How much could instant pay earn you this year?

Turn fast payouts into a revenue line. Adjust the inputs below to see your potential return from offering instant pay to your payees.

Your Payout Profile

Active payees

Contractors, sellers, affiliates, gig workers

5,000
10050,000
Payouts per payee / month

Average payout frequency

2×
1×8×
Instant pay opt-in rate

Industry avg: 25–40%

30%
5%65%
Fee markup per instant payout

Assumes instant-pay fees are charged to payees rather than absorbed by your platform.

$1.50
$1.00$100.00

Revenue Potential

Estimated annual incremental revenue

$54,000

See full analysis

Instant payouts / mo

3,000

Payees opting in

1,500

Your Opt-in Rate Benchmark

Average

Typically live in 4–6 weeks — unlock your full analysis to see what you'd capture in the first 90 days.

Payee Opt-in Split

Standard ACH
3,500
Instant pay
1,500

Your full analysis

Estimated annual incremental revenue

$54,000

Monthly revenue

$4,500

Revenue per payee / yr

$11

3-year revenue projection

$54K
$73K
$91K

Year 1

Year 2

Year 3

Assumes 35% payee growth yr 2, 25% yr 3.

3-year revenue projection

$218K

Total instant pay revenue

+$9K

Opt-in upside (+5 percentage points)

Additional annual rev with better UX placement

Your path to revenue — starting today

  1. Day 1

    Now

    Kick off with Routable

  2. Wk 4–6

    Go-live

    First instant payouts processed

  3. 90 days

    $14K

    Captured post go-live

  4. Year 1

    $54K

    Total instant pay revenue

Fee positioning

Optimal

$1.50

In the optimal range. Platforms at your opt-in rate typically charge $1.25–$2.00.

Payee retention lift

Avg. outcome

~15%

Estimated reduction in payment-related churn when instant pay is available.

Benchmark tier

Average

Average

At the industry average. Small UX improvements typically lift opt-in by 5–10 percentage points.

Ready to start capturing this revenue?

Most customers go live in 4–6 weeks. Talk to a Routable expert and get a launch plan built around your numbers.