Payouts
Get your money. ClapPay automatically sends your earnings to your bank account on a schedule you choose.
How Payouts Work
When customers pay you, the money goes to your ClapPay balance. Then, on your payout schedule, we send it to your bank account.
- Customer pays - Money enters your ClapPay balance
- Funds settle - Usually takes 2-3 days for card payments
- Payout created - Based on your schedule (daily, weekly, monthly)
- Money arrives - Shows up in your bank account
Payout Schedule
Choose how often you want to receive payouts:
| Schedule | When Money Arrives | Best For |
|---|---|---|
| Daily | Every business day | Most businesses |
| Weekly | Once a week (you pick the day) | Easier bookkeeping |
| Monthly | Once a month (you pick the date) | Matching payroll cycles |
Change your schedule in Dashboard → Settings → Payouts.
When Funds Are Available
Different payment methods take different times to settle:
| Payment Method | Settlement Time |
|---|---|
| Card payments | 2-3 business days |
| Mobile money (M-Pesa) | 1 business day |
| Bank transfers | 1-3 business days |
| Digital wallets | 1-2 business days |
After funds settle, they're included in your next scheduled payout. Then it takes 1-3 more days to reach your bank.
Add Your Bank Account
You need to add a bank account before you can receive payouts:
- Go to Dashboard → Settings → Bank Accounts
- Click Add Bank Account
- Enter your bank details (account number, routing number)
- Verify the account (we may deposit small amounts to verify)
Important: The bank account must be in the same name as your ClapPay account. We can't pay to someone else's account.
Payout Status
| Status | What It Means |
|---|---|
| pending | Payout scheduled, hasn't started yet |
| in_transit | Money is on the way to your bank |
| paid | Money arrived at your bank |
| failed | Something went wrong (check bank details) |
Understanding Your Balance
Your ClapPay balance has different parts:
- Pending - Money from recent payments that's still settling
- Available - Ready to be paid out to your bank
- Reserved - Held for potential refunds or disputes
View your balance breakdown in Dashboard → Balance.
Instant Payouts
Need money faster? Instant Payouts send funds to your debit card within minutes.
- Available 24/7, including weekends
- Arrives in 30 minutes or less
- Small fee per payout
To use Instant Payouts:
- Add a debit card (not credit card) in Settings
- Go to Balance and click "Instant Payout"
- Choose the amount and confirm
Note: Instant Payouts are available in select countries. Check your Dashboard to see if you're eligible.
How Refunds Affect Payouts
When you issue a refund, it's taken from your balance:
- If you have enough balance, refund comes from there
- If not, ClapPay will debit your bank account
- Or reduce your next payout to cover it
Same thing happens with disputes (chargebacks) - the disputed amount is held until the dispute is resolved.
Common Payout Issues
Payout failed
- • Check your bank account details are correct
- • Make sure the account is still active
- • Verify the account name matches your ClapPay account
- • Contact your bank to ensure they accept electronic transfers
Payouts paused
- • You may need to complete business verification
- • There might be a security review on your account
- • Check your email for any action items
Money not showing in bank
- • Check the payout status in Dashboard - is it still "in transit"?
- • Some banks take longer to process incoming transfers
- • Weekend and holiday transfers take longer