What we’ve shipped.

Multi-currency settlement reports

Settlement reports can now be downloaded with FX-rate snapshots and side-by-side native + reporting currency for every line. Useful for finance teams that close in USD but settle in EURC, XLM, or GBPC.

• CSV and JSON exports gain `reporting_currency` and `fx_rate_at_settlement` fields.
• New dashboard filter: native vs. reporting view.
• Backfill available on request for settlements since Jan 2026.

Webhook signing v2 (HMAC-SHA256)

Webhook signatures move to HMAC-SHA256 with timestamp inclusion. The previous v1 signature header is deprecated and will be removed on August 1, 2026.

• New header: `Useroutr-Signature: t=<ts>,v2=<sig>`.
• Updated verification examples in Node, Python, and Go.
• Old `Useroutr-Signature-v1` still sent in parallel until cutover.

Pay-by-Link templates

Save common payment-link configurations as templates — perfect for recurring invoices, deposit collection, or product purchases that share the same currency mix and expiry.

Visa Direct payouts now GA

Push payouts to any Visa or Mastercard debit card in 80 countries. Funds typically arrive in under 30 minutes. Available in the dashboard and via the `/v1/payouts` endpoint.

Faster cold-start on hosted checkout

Hosted checkout pages now ship a smaller JS bundle and resolve the merchant&rsquo;s preferred payment methods server-side. First Contentful Paint is down ~38% on slow connections.

Idempotency keys are now required for write operations

POST/PUT/DELETE requests must include an `Idempotency-Key` header. Requests without one will be rejected with a 400. This change makes retries safe by default and prevents the duplicate-payment class of bugs we keep seeing in customer integrations.

• Grace period until June 1, 2026 — requests without keys return 200 with a deprecation header.
• All official SDKs (v1.13+) generate keys automatically.
• Recommended: persist your key on the request side until you see a terminal status.

EURC support on Stellar

Accept and settle in EURC across Stellar. Add to the `accept` array on any payment, or set as the default settlement currency in your dashboard.

Fix: webhook retry storm after partner outage

A bug in our webhook retry scheduler caused a brief storm of duplicate deliveries for ~6 minutes during a partner outage on Feb 12. Root cause and full postmortem published on the status page.