1
Enter their email
Add the recipient, amount, memo, and optional future send date. You do not need their banking information to begin.
Recipient emailjordan@starkcontracting.com
Amount$2,750.00 USD
MemoRepair milestone payment
Send dateSend now
Built for businesses
Dream Payouts
The bill pay platform and supplier payment network for small businesses and software platforms.
Pay bills, pay suppliers, and send customer refunds with just an email address. Money moves instantly via Real Time Payments, bank transfers, and wires, with no account numbers to chase, store, or re-key.
No monthly fee·RTP, ACH & wire·Live today
Sender
Receiver
$2,750.00✓
Send now⌄
DreamPay Wallet •••• 9876
INV-4821
Allowable payment methodRecipient sees eligible options
Ready to send
You’ve been invited to receive a payout
From Acme Home Services
$2,750.00
◉ Secure · Private · Recipient-led
Meet your bill pay & supplier payout Dream Team.
Your bill pay and supplier payout platform that lets you pay anyone, anywhere, with just an email address.
One place to hold your operating balance, invite the people you owe, approve what goes out, and watch every payment land — whether it settles in seconds over RTP or overnight on ACH.
Simple from start to finish
How Dream Payouts works
The sender controls the payout. The recipient controls their own payment information. Dream connects the two through one secure workflow.
2
Choose your payment options
Enable RTP, ACH, wire, or a combination of eligible methods. You remain in control of what is offered.
RTPReal-timeACHBank transferWireEligible
Dream WalletAvailable
FallbackRTP → ACH when configured
3
They choose and get paid
The recipient follows a secure invitation, enters their own information, and selects from the methods you enabled.
✓ Payout received
$2,750.00
from Acme Home Services
Secure. Private. Professional. Recipients provide payment information through the Dream-hosted flow — not ordinary email.
From sign-up to paid, one screen at a time.
From signing up to getting paid, and then to controlling who can send — the whole product, in the order you meet it.
Sign up
Live the same day you sign up.
Create an account with your business email, verify your business, and you are ready to send. There is no sales call to book, no implementation project and no setup fee — business verification runs in the background while you add your first suppliers.
- Available now to eligible U.S. businesses
- No setup fee, no monthly minimum
- Verification typically completes same day
Dashboard
Every payment, and where it is right now.
The dashboard is the record. Balance at the top, payouts beneath, each one carrying a live status from initiation through settlement. Filter by supplier, method, date or status, and export the whole ledger when it is time to reconcile.
- Live status on every payout
- Filter by supplier, rail, date or status
- Export for reconciliation
Dream Wallet
One account to receive, hold and send.
A payments account provided through J.P. Morgan, subject to eligibility and account-opening requirements, that gives a company one place to receive funds, maintain an operating balance and make payments. The balance you see is the balance available to send.
- Receive funds and maintain an operating balance
- Send from the same balance
- Provided through J.P. Morgan
Send a payout
Enter an email address. Send the money.
A business enters a recipient's email address and sends the payment. Eligible payments can arrive through the RTP network in under 30 seconds, including on nights, weekends and holidays, with ACH and wire available when real-time delivery is unavailable or not selected.
- One field: their email address
- Choose which rails to make available
- Schedule ahead, attach a reference or invoice number
Payee portal
Your supplier does not need a Dream account.
Suppliers onboard through the Dream Payee Portal, enter and maintain their own banking details and choose how they want to be paid. Once enrolled, they remain ready to receive future payments through the network — you never collect, store or re-key a bank detail.
- No Dream account required
- They enter and maintain their own details
- Identity verified with multi-factor authentication
Controls
Decide who can send what, before anyone sends it.
Roles, limits and approval workflows separate the people who request payments from the people who release them, with every transaction tracked from initiation through settlement. Payment mistakes are rarely technical — they are usually somebody sending the wrong amount because nobody else looked.
- Approval rules by amount, role or department
- Separate who requests from who releases
- A full audit trail on every payout
Built for real business relationships
The payment moments your business cannot afford to mishandle.
Whether someone completed a job, supplied your business, needs a refund, or is waiting on a claim, Dream helps you deliver the payment with clarity and care.
Pay suppliers without the paperwork
Keep important supplier relationships moving without chasing forms or banking instructions.
Finish the job with a better contractor experience
Send the payment promptly and give the contractor a secure way to choose how it arrives.
Turn a difficult refund into a recovery moment
Resolve the issue with a payment experience that feels fast, clear, and professional.
Help claimants move forward
Give recipients clear choices and visibility at a moment when the payment matters personally.
No bank details to collect
Recipient chooses from available methods
Automatic ACH fallback when configured
Flexible rails, reliable payments
Give recipients the speed and flexibility they prefer.
The sender chooses which eligible methods to make available. The recipient selects the method that works for them.
Review payment FAQs →RTPReal-time payment
Typically delivered in seconds when the recipient and their financial institution are eligible.
- Real-time availability when eligible
- Useful for urgent payouts
- Recipient financial institution must participate
ACHBank transfer
Reliable U.S. bank delivery suited to standard business payouts.
- Broad bank-account coverage
- Suited to routine business payouts
- Can support configured RTP fallback
WireWire transfer
A method suited to eligible high-value or time-sensitive delivery.
- Eligible urgent payments
- Eligible high-value payments
- Availability and timing may vary
Configured fallbackRTP unavailable? Keep the payout moving.
When configured and eligible, Dream can continue an undeliverable RTP payout through ACH—with no new action required from the recipient.
1RTP attemptedThe recipient bank is not available for RTP.
2ACH selectedDream continues through the configured fallback rail.
3Payout deliveredStatus remains visible to the sender and recipient.
Payment should be a finish line
Replace payment coordination with payment confidence.
Dream removes the awkward, error-prone work between “approved to pay” and “payment delivered”—so your team and your recipient can both move on.
The old payment experience
- 1Request banking instructions
- 2Receive sensitive details by email
- 3Re-key account information
- 4Correct mistakes and missing fields
- 5Manually explain payment status
The Dream experience
- ✓Start with an email address
- ✓Recipient enters their own information
- ✓Offer eligible payment methods
- ✓Receive important status updates
- ✓Keep a clear payout record
For software platforms
Offer modern payouts inside your software.
Embed the same recipient-led payout experience into accounting, insurance, property-management, wealth, marketplace, or vertical SaaS products—without building the underlying payout infrastructure yourself.
- API and embedded payout workflows
- Recipient-led information collection
- RTP, ACH, and wire in one integration
- Status events and operational visibility
Payouts
Recipient-led business payments
RecipientAmountMethodStatus
Stark Contracting$2,750RTPCompleted
Northline Logistics$4,400ACHCompleted
Customer refund$350RTPEmail Sent
Easy for your business. Reassuring for every person you pay.
A simple experience should still provide secure data entry, operational visibility, and the discipline required for important business payments.
SOC 2 Type II
Independently assessed controls relevant to security and availability.
Secure recipient flow
Payment information is entered through a Dream-hosted experience.
Eligible U.S. methods
RTP, ACH, and wire brought into one payout workflow.
Status visibility
A clearer operational trail from initiation through transfer.
Operational support
Support through onboarding and ongoing payout operations.
"Dream Payouts is designed to make payments as immediate and intuitive as the business decisions that trigger them."Long Van · President of SMB Payments and Chief AI & Technology Officer, Dream Payments
The largest enterprises in America have moved money in real time for years. Today, small businesses can too.
Dream Payouts is available now to eligible businesses in the United States. Software platforms can request partner access.