Choose the access path that fits your business, from direct self-serve access to embedded platform programs. We confirm eligibility, included services, and pricing before you launch.
For businesses getting started with payouts.
For organizations with recurring or higher-volume payout needs.
For software platforms and enterprise programs.
Applicable commercial terms, enabled services, and payment-method pricing are confirmed during onboarding before production use.
Your onboarding confirmation identifies the approved workflow, enabled payment methods, support scope, and applicable pricing.
| Capability | Starter | Growth | Platform |
|---|---|---|---|
| Sender experience | Portal | Portal + controls | Embedded / API |
| Recipient experience | Dream-hosted | Configurable | Branded / embedded |
| Dream Wallet payment account | Included | Included | Program configured |
| Payment methods | RTP, ACH, wire* | RTP, ACH, wire* | Program configured* |
| Automatic ACH fallback | Automatic | Automatic | Program configured |
| Scheduling | Available | Available | Integration dependent |
| Payee self-onboarding | Available | Available | Embedded |
| Roles and approvals | Basic | Advanced | Program configured |
| Team member access | Available | Available | Program configured |
| API access | Not included | Not included | Full API |
| Status updates | Email and portal | Enhanced reporting | API / program reporting |
| Reporting and exports | Standard | Enhanced | Custom |
| Reconciliation tools | Standard | Enhanced | Custom |
| Funding source | Dream Wallet balance | Dream Wallet balance | Program configured |
| Onboarding path | Self-serve | Guided | Implementation managed |
| Security and compliance | SOC 2 Type II | SOC 2 Type II | SOC 2 Type II |
| Dedicated account manager | Not included | Included | Included |
| Support | Standard | Dedicated onboarding | Program support |
*Payment methods and delivery timing are subject to program configuration, recipient eligibility, bank availability, and applicable limits.
Choose the direct, growing-team, or embedded path that fits your business.
Confirm payment methods, funding approach, support, reporting, and applicable pricing.
Complete verification and configuration, then launch knowing your pricing was confirmed upfront.
Standard direct access has no setup fee, no subscription, and no minimums. ACH is free, RTP is a flat $5 per payout, and wire is $20 per payout. Higher-volume programs receive a commercial structure matched to their payment mix. Software platforms bring embedded payouts to their product at no cost, and earn revenue on every payout through a rev share model.
Starter fits businesses getting started with payouts. Growth fits organizations with recurring or higher-volume needs. Platform fits software platforms and enterprise programs that want to bring embedded payouts to their product — at no cost, through a revenue share model.
Applicable commercial terms, enabled services, and payment-method pricing are confirmed during onboarding, before production use.
Yes. As your payout volume or requirements grow, Dream can move your account to a tier that better fits your business, with any pricing changes confirmed in writing beforehand.
No. The applicable pricing model, enabled payment methods, and any minimums or commitments are confirmed in writing before your first live payout.
Talk to our team to find the right pricing tier and confirm your commercial terms before you launch.
