1
Enter their email
Add the recipient, amount, memo, and the payment methods you want to make available.
Simple from start to finish
From “approved to pay” to “payment received”—without the back-and-forth.
When the work is done, payment should not become another project. Dream lets you start with an email address, while the recipient securely chooses how to receive the money.
Secure by designU.S. payment railsClear status visibility
Three simple steps
Everything you need to finish the payment—not manage a payment chase.
Add the recipient, amount, memo, and eligible payment methods. Dream handles the secure handoff so your team does not need to collect or re-key banking information.
2
Choose payment options
Offer RTP, ACH, or wire based on the payment and your program configuration.
3
They securely choose
Your recipient enters their own information, selects an available method, and receives the funds.
The account behind the experience
Receive money. Send payouts. See it all in your DreamPay Wallet.
The DreamPay Wallet includes a dedicated payment account held at JPMorgan Chase Bank, N.A., Member FDIC. Subject to program configuration and eligibility, your business can receive incoming ACH, RTP, and wire transfers, then use the available balance to send payouts through Dream.
Money in
Use dedicated account and routing details to receive eligible business transfers.
Money out
Use the available balance to send RTP, ACH, or wire payouts to recipients.
Deposit holding and banking services are provided by JPMorgan Chase Bank, N.A., Member FDIC. Dream Payments administers and services the account on behalf of the bank. Dream Payments is not a bank.
Detailed flow
A clear journey for your team—and the person waiting to be paid.
You initiate the payment. The recipient securely chooses from the methods you enable. Dream provides visibility as the payout moves toward delivery.
1
You create the payout
Send from the Dream dashboard or through an approved platform integration.
2
They receive an invitation
A secure email lets the recipient open their private payout experience.
Dream Payouts
You've been invited to receive a payout
From Acme Home Services
You've been invited to receive a payout
From Acme Home Services
3
They choose how to get paid
The recipient selects from the payment methods you made available.
RTPTypically in seconds
ACH1–2 business days
4
Payout delivered
Both sender and recipient receive clear status updates throughout the journey.
Built for real-world payouts
If real-time is not available, the payment can keep moving.
When RTP is unavailable for the recipient’s bank and fallback is configured, Dream can route the payout through ACH—reducing another round of coordination.
No extra steps
Dream handles eligible fallback logic in the background.
Fewer errors
Recipients enter and validate their own information.
Recipient control
They choose from the payment methods you make available.
Full visibility
Fewer “Where is my payment?” messages.
Important status updates help both sides understand whether the payout has been invited, accepted, routing, or delivered.
Invitation sentRecipient notified
AcceptedMethod selected
RoutingPayment is being routed
DeliveredStatus confirmed
Common questions
The practical questions behind a better payment experience.
No. The recipient receives a secure invitation and enters their payment information directly in the recipient experience.
No. The recipient provides their own payment information securely.
RTP, ACH, and wire may be made available based on your program configuration and recipient eligibility.
Eligible programs can automatically fall back to ACH, with no additional recipient setup.
Ready to make payment the easiest part of the relationship?
Start a payout with an email address and give recipients a clearer way to receive their money.