Moment 1
Connect once. Fulfill anything.
Connect to one API or upload a file, then fulfill prepaid cards, gift cards, PayPal, Venmo, ACH, or check.
ChoiceDirect
The direct route to paid.
One payout API. Every method — fulfilled, validated, and reconciled. Choose a single method for each program — ChoiceCard, PayPal, Venmo, gift cards, ACH, check, and more.
Replace your payout vendor stack with one disbursement API for every payment type.
ChoiceDirect is for when you’ve already decided how to pay. Pick a single method for each program, connect once, and we fulfill every payment: issuing it, screening it, and reconciling it.
One integration. Every payout type. Reconciled to the penny.
What makes ChoiceDirect different: it’s the fulfillment layer beneath the Choice Platform. You decide the method, and we handle issuing, compliance, and reconciliation behind the scenes.
Recipient experience
Disbursement fulfillment without building a payments stack.
ChoiceDirect replaces a fragmented vendor stack with one integration across payout types.
Single API 
Multiple Options Moment 2
Checks here, cards there - one relationship.
Run different payout types across programs through the same contract and reconciliation.
Direct or Choice Moment 3
Set the method, or pass through choice.
Partner platforms can select a method, build their own payment-selection experience, or use ChoiceDirect purely as the fulfillment layer
Obligation Met Moment 4
Screened and reconciled, every payment.
Identity and sanctions screening, retries, re-routing, and ledger reconciliation happen across every method.
Built for
One API. Incentives and disbursements both.
Pick a method per program and we fulfill it across incentives and disbursements.
Incentives
One method, fulfilled and reconciled.
Reward programs where you or your platform set the payout type.
- Sales commissions & SPIFFs Pay reps by card, PayPal, or ACH.
- Channel & partner rewards One method across your channel.
- Employee recognition Bonuses and spot rewards by your chosen method.
- Research payments Fast, consistent payouts to participants.
Disbursements
Different methods, different programs, one API.
Checks for one program, cards for another, ACH for a third - all through the same integration.
- Vendor & supplier payments B2B payments at scale.
- Insurance claim payments A consistent payout method per program.
- Refunds at scale Mass returns, settlements, remediation.
- Marketplace & gig payouts Embed payouts inside your platform.
Configuration
Every program is a combination. Yours is configured in minutes.
Define your ChoiceDirect program. Pick the combination that fits, and Choice Digital handles the delivery, compliance, tracking, and support end-to-end.
- IntegrationHow payouts are triggered
- Payout typeProgram-selected method
- ComplianceControls applied
- ReconciliationOperational output
Choice Platform
One modern API. Regulated-grade compliance under every payout.
ChoiceDirect runs on the Choice Platform - the identity, fraud, treasury, and audit layer behind every Choice Digital product.
REST API and no-code upload options
- KYC / AML
- OFAC screening
- Audit trail
- Real-time reconciliation
Fulfill every payout from one API.
Let's TalkCustomer story
Our customers each pay their people differently - some by card, some by PayPal, some by check. We connect to one Choice Digital API and let each one choose; Choice fulfills every payout. We added payments to our platform without becoming a payments company.
- 1xIntegration for every method
- 0Payment rails we had to build
- DaysTo launch a new payout type
Payouts are a promise.
ChoiceDirect provides a single disbursement API for all payout types, with OFAC screening, KYC/AML compliance, and tax reporting applied where needed.
Choice Digital is the fulfillment layer behind your programs and platforms, so you get the reach of the Choice Platform from a single vendor and a single API.
One API. Every payout type. Issued, validated, and reconciled end-to-end.
