Payouts
Understand how payments reach your bank account directly from your payment providers.
How Payments Work
Direct Payments
Pixlpay uses direct payments - customer payments go straight to YOUR payment provider account (Stripe, PayPal, etc.). Pixlpay never holds or processes your customer payments.
Payment Flow
Customer Payment
│
▼
┌──────────────────────┐
│ Your Stripe/PayPal │ ← Customer pays YOUR account directly
│ Account │
└──────────┬───────────┘
│
▼
Payment Provider
deducts their fees
(2.9% + $0.30)
│
▼
┌──────────────────────┐
│ Your Bank │ ← Payout from YOUR provider account
│ Account │
└──────────────────────┘Key Points
- 100% of payments go directly to your payment provider account
- Pixlpay never touches customer funds
- Payment processor fees are deducted by Stripe/PayPal (not Pixlpay)
- Payouts are managed entirely in your payment provider dashboard
- Pixlpay charges a separate monthly subscription for the platform
Managing Payouts
Since payments go directly to your provider accounts, you manage payouts in their dashboards:
Stripe Payouts
Access your Stripe Dashboard to:
- View payout schedule
- See pending/completed payouts
- Update bank account details
- Download payout reports
Access: Go to Settings > Payments > Manage in Stripe
Payout Schedule Options
| Schedule | Description |
|---|---|
| Daily | Automatic daily payouts (default) |
| Weekly | Payout once per week |
| Monthly | Payout once per month |
| Manual | Trigger payouts yourself |
Your schedule depends on:
- Account country
- Account verification status
- Account history
PayPal Payouts
PayPal payments are:
- Immediately available in your PayPal balance
- Transfer to your bank manually or set up auto-withdraw
- Managed entirely in PayPal.com
Other Payment Providers
Each provider handles payouts differently:
| Provider | Payout Method |
|---|---|
| Razorpay | Automatic to linked bank account |
| Iyzico | Weekly/monthly to Turkish bank |
| Mollie | Configurable schedule |
| Paystack | Next-day settlement |
| Xendit | Same-day or next-day |
| Paymob | Weekly settlement |
| CoinPayments | Manual crypto withdrawal |
| Mercado Pago | Configurable schedule |
| PayTR | Weekly to Turkish bank |
Viewing Revenue in Pixlpay
While payouts happen in your provider dashboards, Pixlpay shows you:
Revenue Dashboard
Go to Finance > Transactions to see:
- Total revenue (what customers paid)
- Estimated fees (payment provider fees)
- Net revenue (your earnings)
- Revenue by product/category
Why "Estimated" Fees?
Pixlpay shows estimated fees because:
- Actual fees are calculated by your payment provider
- Fees vary by card type, country, and payment method
- Currency conversion may add additional fees
For exact fee amounts, check your payment provider dashboard.
Payout Timeline
Typical Timeline (Stripe)
- Day 0: Customer pays
- Day 2: Funds available in Stripe balance
- Day 3-5: Automatic payout to your bank
- Day 5-7: Funds appear in bank account
New Accounts
New payment provider accounts may have:
- Longer holding periods (7-14 days)
- Lower initial limits
- Additional verification requirements
This improves over time as your account builds history.
Reserves and Holds
Your payment provider may hold a reserve for:
- Potential refunds
- Dispute protection
- Risk mitigation
This is managed by Stripe/PayPal, not Pixlpay.
Bank Account Setup
Updating Bank Details
Bank account changes are made in your payment provider:
- Click Manage in Stripe (or PayPal, etc.)
- Go to Settings > Bank Accounts
- Add or update your bank details
- Verify if required
WARNING
Bank changes may delay payouts while verification completes.
Reconciliation
To match sales with bank deposits:
- In Pixlpay: View revenue by date range
- In Stripe/PayPal: View payout details
- Match: Payout amount = Net revenue for that period
Discrepancies
If amounts don't match, check:
- Currency conversion rates
- Refunds processed after payout calculated
- Payment provider fees on your statement
- Multiple payout batches
Tax Reporting
From Your Payment Provider
Your payment provider issues tax documents:
- Stripe: 1099-K (US), VAT invoices (EU)
- PayPal: 1099-K (US), Activity reports
- Regional: Each provider has local requirements
From Pixlpay
Pixlpay provides:
- Revenue reports for your records
- Transaction exports for accounting
- No tax forms (we don't process your payments)
What You're Responsible For
As the seller, you handle:
- Sales tax/VAT on your products
- Income tax on your earnings
- Any local tax obligations
TIP
Consult a tax professional for advice specific to your situation and jurisdiction.
Pixlpay Subscription vs. Customer Payments
It's important to understand the two separate money flows:
Customer Payments (Your Revenue)
Customer → Your Stripe Account → Your Bank- 100% goes to you (minus processor fees)
- Pixlpay never touches this money
- You receive payouts from your payment provider
Pixlpay Subscription (Platform Fee)
You → Pixlpay's Stripe Account → Pixlpay- Monthly subscription for using the platform
- Charged separately to your payment method
- Billed by Pixlpay directly
See Billing & Subscription for details on plan pricing.
Troubleshooting
Payout Delayed
- Check your payment provider dashboard for holds
- Verify bank details are correct
- Complete any pending verification
- Contact your payment provider support
Payout Failed
Common reasons:
- Incorrect bank details
- Bank rejected the transfer
- Verification required
- Account restrictions
Resolution: Update details in your payment provider dashboard.
Missing Revenue
If a sale doesn't appear:
- Check payment provider dashboard first
- Payment may still be processing
- Customer payment may have failed
- Look for disputes or refunds
Best Practices
Account Setup
- Complete verification early
- Use a dedicated business bank account
- Keep contact info up to date
- Enable two-factor authentication
Cash Flow
- Understand your payout schedule
- Plan for holding periods
- Maintain reserves for refunds
Record Keeping
- Export transaction data monthly
- Reconcile with bank statements
- Keep records for 7+ years