> For the complete documentation index, see [llms.txt](https://adly-news.gitbook.io/adly.news-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://adly-news.gitbook.io/adly.news-docs/02-newsletter-owners/09-payments-and-payouts.md).

# Payments & Payouts

This guide explains how earnings work on [adly.news](https://adly.news), how to set up payouts, and how to withdraw your money to your bank account.

## Understanding Your Earnings

### How You Earn

You earn money when businesses book your ad slots:

1. **Business books and pays** — Payment is collected
2. **Platform fee deducted** — 13% goes to the platform
3. **Your earnings** — 87% goes to your balance

### Balance Types

You have two types of balances:

| Balance Type          | Description                                        |
| --------------------- | -------------------------------------------------- |
| **Pending Balance**   | Earnings from confirmed bookings not yet completed |
| **Available Balance** | Funds ready to withdraw to your bank               |

### How Earnings Move

```
Booking Confirmed → Pending Balance
         ↓
Booking Completed (ad published)
         ↓
Pending Balance → Available Balance
         ↓
You request withdrawal
         ↓
Funds arrive in your bank (2-5 business days)
```

### CPL Earnings

For CPL (Cost Per Lead) bookings, earnings work differently:

* The business's max payout is escrowed when the booking is created
* After you publish the ad, leads are collected for **4 days**
* Your earnings are calculated as `leads × cost per lead`, capped at the max payout
* The standard 13% platform fee is applied to your calculated earnings
* The remaining amount moves to your available balance

> **Example:** A CPL booking has $10/lead with a $500 max payout. You generate 35 leads. Your calculated earnings are $350. After the 13% fee ($45.50), you receive $304.50 in your available balance.

## Accessing the Payments Page

### Navigate to Payments

1. Click **Payments** in the sidebar
2. You'll see your balance summary and payout options

### What You'll See

The Payments page shows:

| Section                   | Description                          |
| ------------------------- | ------------------------------------ |
| **Pending Balance**       | Earnings awaiting booking completion |
| **Available Balance**     | Funds ready to withdraw              |
| **Total Earned**          | Lifetime earnings on the platform    |
| **Stripe Connect Status** | Whether your bank is connected       |
| **Payout History**        | Record of all withdrawals            |

## Setting Up Payouts with Stripe Connect

To receive payouts, you need to connect your bank account through Stripe.

### Step 1: Start the Connection

1. Navigate to **Payments**
2. Click **Connect with Stripe**
3. You'll be redirected to Stripe's onboarding

### Step 2: Complete Stripe Onboarding

Stripe will ask for:

| Information                | Why It's Needed            |
| -------------------------- | -------------------------- |
| **Personal/Business Info** | Identity verification      |
| **Bank Account**           | Where to send your payouts |
| **Tax Information**        | Legal compliance           |

### Step 3: Verify Your Identity

Stripe may require:

* Government-issued ID
* Address verification
* Business documentation (if applicable)

### Step 4: Complete Setup

1. Follow all Stripe prompts
2. Submit required information
3. Return to adly.news when complete
4. Your status will show as connected

### Stripe Account Statuses

| Status            | Meaning                                   |
| ----------------- | ----------------------------------------- |
| **Not Connected** | You haven't started Stripe setup          |
| **Pending**       | Setup in progress, additional info needed |
| **Active**        | Fully connected, can receive payouts      |

If your status is "Pending," click to complete the remaining setup steps.

## Withdrawing Funds

### When You Can Withdraw

You can withdraw when:

* Your Stripe account is **active**
* Your available balance is at least **$1.00**

### How to Withdraw

1. Navigate to **Payments**
2. Click **Withdraw**
3. Confirm the withdrawal amount
4. Click **Confirm Withdrawal**

### What Happens Next

1. Payout is initiated with Stripe
2. Funds leave your adly.news balance
3. Funds arrive in your bank in **2-5 business days**
4. You receive a confirmation notification

### Payout Timing

| Factor                | Details                      |
| --------------------- | ---------------------------- |
| **Processing**        | Payout initiated immediately |
| **Bank Transfer**     | 2-5 business days            |
| **Weekends/Holidays** | May add 1-2 days             |

## Viewing Earnings by Newsletter

If you have multiple newsletters:

### Earnings Breakdown

The Payments page shows:

* Total earnings across all newsletters
* Breakdown by individual newsletter
* Pending bookings per newsletter

### Why Breakdown Matters

* See which newsletters earn most
* Identify opportunities for improvement
* Understand your overall business

## Payout History

### Viewing Past Payouts

Scroll down on the Payments page to see:

| Information        | Description                            |
| ------------------ | -------------------------------------- |
| **Date**           | When the payout was requested          |
| **Amount**         | How much was withdrawn                 |
| **Status**         | Pending, Processing, Completed, Failed |
| **Completed Date** | When funds arrived                     |

### Payout Statuses

| Status         | Meaning                                     |
| -------------- | ------------------------------------------- |
| **Pending**    | Payout requested, processing hasn't started |
| **Processing** | Being transferred to your bank              |
| **Completed**  | Successfully deposited                      |
| **Failed**     | Transfer failed (see reason)                |
| **Cancelled**  | Payout was cancelled                        |

## Pending Bookings

### Understanding Pending Balance

Pending balance comes from confirmed bookings that haven't been completed yet:

* The business has paid
* The ad hasn't been published yet
* Funds will become available after the scheduled date passes

### Viewing Pending Bookings

The Payments page shows pending bookings with:

* Newsletter name
* Business name
* Scheduled date
* Your earnings (after platform fee)

### Moving Funds to Available

Funds automatically move to your available balance:

1. Publish the ad on the scheduled date
2. The booking is automatically marked as **Complete** after the scheduled date
3. Funds move to your available balance

No manual action is required — just publish the ad as scheduled.

## Platform Fees

### Fee Structure

| Component         | Percentage |
| ----------------- | ---------- |
| **Your Earnings** | 87%        |
| **Platform Fee**  | 13%        |

### Example

If a booking is $100:

* Platform fee: $18
* Your earnings: $82

### When Fees Are Applied

Fees are deducted when the booking is confirmed. The amounts shown in your balances are already net of platform fees.

## Troubleshooting

### Stripe Connection Issues

If you can't complete Stripe setup:

1. Ensure you're providing accurate information
2. Check that your bank account details are correct
3. Verify your identity documents are clear
4. Try again or contact Stripe support

### Payout Failed

If a payout fails:

1. Check the failure reason in payout history
2. Verify your bank account is still valid
3. Update Stripe account if needed
4. Request a new payout

### Missing Earnings

If expected earnings aren't showing:

1. Verify the booking status is **Confirmed**
2. Check that payment was completed
3. Allow time for processing
4. Contact support if issues persist

### Balance Discrepancy

If your balance seems incorrect:

1. Check pending vs. available balance
2. Review recent bookings and their statuses
3. Check payout history for recent withdrawals
4. Contact support with specific concerns

## Tax Considerations

### Your Responsibility

* You're responsible for reporting income
* Keep records of all payouts
* Consult a tax professional for advice
* Stripe may issue tax documents (1099 in the US)

### Record Keeping

The Payments page serves as your earnings record:

* Payout history shows all withdrawals
* Booking history shows all earnings
* Download or screenshot for your records

## Best Practices

### Complete Stripe Setup Early

Don't wait until you have earnings:

1. Set up Stripe when you create your account
2. Complete all verification steps
3. Be ready to withdraw when you earn

### Publish Ads on Schedule

To ensure smooth fund processing:

1. Publish ads on their scheduled dates
2. Bookings are automatically marked complete
3. Funds become available after the scheduled date

### Withdraw Regularly

Consider regular withdrawals:

* Don't let large balances accumulate
* Ensures steady cash flow
* Reduces risk of any issues

### Keep Bank Information Updated

If you change banks:

1. Update your Stripe account
2. Verify the new account
3. Ensure payouts continue smoothly

## Common Questions

### When will my earnings be available?

Earnings move to available balance automatically after the scheduled publication date. Withdraw to your bank in 2-5 business days.

### Can I get paid instantly?

Standard payouts take 2-5 business days. Stripe may offer instant payouts for additional fees in some regions.

### What currency do I receive?

Payments are in USD. Your bank may convert if you're in another country.

### Can I change my bank account?

Yes, update your bank account in Stripe. New payouts will go to the updated account.

### Is there a minimum payout?

Yes, the minimum withdrawal is $1.00.

## Next Steps

* Ensure your [Newsletter](/adly.news-docs/02-newsletter-owners/01-connecting-newsletters.md) and [Ad Slots](/adly.news-docs/02-newsletter-owners/02-creating-ad-slots.md) are set up
* Complete [Bookings](/adly.news-docs/02-newsletter-owners/04-managing-bookings.md) promptly to access earnings
* Configure notification preferences in [Settings](/adly.news-docs/02-newsletter-owners/10-settings.md)


---

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