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Instant Cash Out is only available for bank-issued debit cards. As a first troubleshooting step, we recommend updating your payment method on file to a debit card eligible for Instant Cash Out or using Standard Cash Out.
You can find instructions on updating your payment method here: https://playoctopus.com/help/update-payment-information/
You can find a list of debit cards that are eligible for Instant Cash Out here: https://docs.stripe.com/payouts/instant-payouts-banks#debit-cards