Merchant Payouts
Learn how payouts work for Card, Bank Transfer, and Crypto payments.
Tapaya aggregates funds from various payment channels and settles them directly to the merchant's bank account. The payout schedule and mechanism depend on the specific payment method used. The documentation below provides detailed information on configuration and settlement expectations.
Payments are processed through our network of processing partners. Payouts are automatically deposited into your bank account according to your schedule.
Configuration
All configurations must be completed via the Platform or API.
Platform Settings
In the Settings section of the Platform, you can modify various options that affect transaction behavior, UI customization, and transaction pricing.
Financial Workflow
Balances
The merchant account maintains two distinct balances to ensure transparency and manage risk:
- Pending: Funds from recent transactions that are currently being processed and are not yet eligible for payout. This status reflects the time required for funds to move from the cardholder's bank through the card networks to our acquiring partners.
- Available: Funds that have cleared the necessary holding period and are ready for deposit. Once funds move to this state, they are queued for the next automatic payout cycle.
Payout Schedule
Payout schedules vary by payment method. Each method operates on a specific cycle, and payouts may be paused if a merchant account is suspended.
| Payment Method | First Payout | Cycle |
|---|---|---|
| Card Payments | 5-14 days | T+3 days |
| Bank Transfers | Instant or T+1 | Instant or T+1 |
| Cryptocurrency | Instant | Instant |
Payouts are initiated automatically once the Available balance exceeds the 30 Kč threshold per currency and payment method. If the balance is below this threshold, funds are rolled over to the next settlement cycle. They will continue to accumulate until the threshold is met.
Note
The first payout may take up to 14 days due to the KYB (Know Your Business) verification process, which is a standard anti-money laundering (AML) requirement of our payment processors.
Invoicing
To comply with financial regulations in Czechia and facilitate accurate bookkeeping, merchants receive comprehensive monthly invoices. These documents detail the total transaction volume, the revenue share collected by Tapaya and your platform, and the final net payout. Invoices are generated automatically at the start of each month and are sent via email. They also remain permanently accessible in the Documents section of the platform for future reference and tax reconciliation.
By default, invoices are generated using your branding. You can configure these options in the Settings section of the Platform.
Responsibilities
Tapaya handles all payouts to your customers on your behalf.
| Requirement | Tapaya | You | Merchant |
|---|---|---|---|
| Education | |||
| Engagement | |||
| Collecting payments | |||
| Settlement | |||
| Invoicing | |||
| Resolving Disputes |