Payout Timing
Understanding when and how quickly you'll receive your funds helps you plan your finances. This page covers PayBru's payout timeline and the factors that can affect timing.
The 7-Day Hold Period
All transactions on PayBru are subject to a 7-day hold period. This means earnings from a transaction only become available for payout once the transaction is at least 7 days old. The hold protects against chargebacks and payment reversals.
| Day | What happens |
|---|---|
| Day 0 | Member makes a payment. Transaction appears as "Pending" in your dashboard. |
| Day 7 | Transaction clears the hold period. Net earnings move to your "Available" balance. |
The 7-day hold is calculated per transaction. If you receive payments on different days, each one has its own 7-day countdown.
Requesting a Payout
Once you have any positive available balance, you can request a payout at any time. There is no minimum payout threshold on PayBru.
When you submit a payout request:
- Payout enters "Pending" status - Your request is recorded and a support ticket is automatically created for the operations team.
- Operations team review - The PayBru operations team reviews and approves the payout. The support ticket must be resolved before the transfer proceeds.
- Background processing - A background worker checks for approved payouts every 5 minutes and initiates the bank transfer via Paystack.
- Bank transfer - Paystack sends the funds to your linked South African bank account.
- Funds arrive - The payout lands in your bank account within 1-3 business days after the transfer is initiated.
Processing Timeline Summary
| Stage | Duration |
|---|---|
| Hold period (per transaction) | 7 days |
| Operations team approval | Varies (typically same or next business day) |
| Background worker pickup | Up to 5 minutes after approval |
| Bank transfer delivery | 1-3 business days |
To receive your funds as quickly as possible, make sure your KYC is approved and your bank details are correct before requesting a payout.
Payout Statuses
Each payout moves through these statuses:
| Status | Meaning |
|---|---|
| Pending | Payout has been requested and is awaiting operations team approval. |
| Processing | Payout has been approved and the bank transfer is being processed via Paystack. |
| Success | Funds have been successfully transferred to your bank account. |
| Failed | The transfer did not go through (e.g., incorrect bank details). An admin can retry the payout. |
| Canceled | The payout was canceled before processing. |
Factors That Affect Timing
Several things can delay your payout:
- KYC not approved: Your community must have "Approved" KYC status before you can request any payout.
- Existing pending payout: Only one pending payout per community is allowed at a time. Wait for your current payout to complete first.
- Bank account issues: Incorrect or outdated bank details will cause the payout to fail.
- Public holidays: South African bank holidays can add 1-2 days to bank transfer processing times.
- Operations team availability: The approval step depends on the operations team resolving your support ticket.
If your payout fails due to incorrect bank details, the funds will be returned to your PayBru balance. Update your bank details and contact support to have the payout retried by an admin.
Notifications
You will be notified of payout status changes through:
- In-app notifications
- Discord