Whistle Payments API - Whistle


A complete payment stack, built for developers, designed for your business

With Whistle Payments APIs, you can easily add rewards and incentives to your application.  Its a simple yet powerful way to increase engagement and success of people using your app.

Whistle Payments

Add our payments API to your tech stack in 5 minutes

Our payment API is remarkably simple to use. Send a payment instantly, to anyone, anywhere, using one straightforward API call. Adding event driven payments to your app has never been this easy.

The only thing easier than sending Whistle Payments, is receiving them.

  • Your recipients will receive a “magic link” that takes them directly to their wallet. No need to create an account or remember a password!

  • From there they can see their available funds, recent transactions, and can access their personal Visa card.

  • The funds are always available immediately, so they can use their card instantly online, or add it to their phone’s mobile wallet

Join hundreds of companies already using Whistle


How are companies like yours using Whistle Payments?

Payment Integrations

Whistle Payments integrates with existing communication platforms like Slack and Teams so you can send a payment directly where your employees hang out. Learn more.

Reward Processing

Easily distribute reward payments to thousands of recipients with simple bulk uploading tools with Whistle Payments.

Incentivize Training

Create micro payments as your team demonstrates new knowledge, skills and behaviors.  Give your people and company the ability and motivation to succeed!

Why are companies like yours using Whistle Payments?

No hidden fees with Whistle Payments

No Hidden Fees

Whistle Payments is free to use and process payments.  There are no hidden handling fees, load fees or processing fees that drain money away from your people and reduce the impact of your program.  Finally a fair payment system is here!

Whistle Payments is real time

Real Time

Time is the most important factor when using a reward or incentive to influence a behavior.  For every day delay, the impact of a reward is reduced by 4.5%!  Whistle Payments processes in seconds to make sure reward value is maximized.

No breakage with Whistle Payments

No Breakage

Each year millions of dollars of value is taken from people as unused balances expire on gift cards or other incentive programs.  Whistle payments ends breakage and creates a system that is more fair for everyone.


Complete Transparency

See where your funds are going and how they are being used in real-time.  Whistle Payments gives people and companies transparency into how their funds are spent, giving everyone a little more peace of mind.

Easy to administer

Easy to Manage

Whistle payments simplifies the process to distribute funds so managers can spend more time creating value and less times with administrative process.  Set up budgets, create rules and automate payments with ease.

Secure payments


Advanced encryption ensures that your payment information and data is safe and secure.  Two factor authentication, budget approvals and a menu of additional security controls reduces risk of fraud and bad actors.

How does Whistle Payments Work?

Whistle Payments Setup

1. Create a Whistle Payments account for your company.  Its free to sign up and takes less than a minute.

Whistle Payments Options

2. Fund a budget.  Use ACH, credit card of wire transfer to load funds for your program.

Whistle Payments App

3. Send payments.  Whistle payments can process one or one million payments with our API and bulk processing tools.

Whistle Payments Dashboard

4. Track progress.  In real time see transaction progress and payment use through Whistle Payment dashboards.

The Whistle card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Whistle card is powered by Marqeta.