Getting Your Money
You’ve earned commissions. Here’s how you get them in your bank account.Stripe Connect
Payouts processed through Stripe’s trusted system
Weekly Payouts
Request payouts anytime, processed weekly
Setting Up Payouts
Before you can withdraw earnings, you need to connect your Stripe account.1
Go to Payout Settings
Affiliate Hub → Settings → Payout Method
2
Connect Stripe
Click “Connect with Stripe” and follow the prompts.You’ll provide:
- Your legal name
- Address
- Bank account info
- Tax information (SSN or EIN for US)
3
Verification
Stripe may take 1-2 days to verify your identity. You’ll receive an email when approved.
4
Ready to Withdraw
Once verified, you can request payouts from your balance.
Stripe Connect is the same system used by Shopify, Lyft, and thousands of platforms. Your info is secure.
How Payouts Work
Your Balance
Your balance shows:- Available — Ready to withdraw
- Pending — Earned but in 7-day hold period
- Lifetime — Total you’ve ever earned
The 7-Day Hold
New referral commissions have a 7-day hold before becoming available.| Event | Status |
|---|---|
| Day 1: Jane signs up | Commission calculated |
| Day 1-7 | Pending (fraud protection) |
| Day 8+ | Available for withdrawal |
This protects against chargebacks and fraudulent signups. It’s standard practice.
Requesting a Payout
- Go to Affiliate Hub → Payouts
- Check your Available balance
- Click Request Payout
- Confirm the amount
- Submit
Payout Schedule
| Day | What Happens |
|---|---|
| Any day | You request payout |
| Friday | All requested payouts processed |
| 1-3 business days | Funds hit your bank account |
Payouts are processed every Friday. Requests made after Friday are included in the next week’s batch.
Example Timeline
| Date | Event |
|---|---|
| Monday | You request $50 payout |
| Friday | LOAF processes the request |
| Monday/Tuesday | $50 appears in your bank |
Minimum Payout
| Region | Minimum |
|---|---|
| US | $25 |
| International | $50 |
Payout Methods
Stripe supports:| Method | Availability | Speed |
|---|---|---|
| Bank Transfer (ACH) | US | 1-2 business days |
| Debit Card | US | Same day (small fee) |
| International Transfer | Most countries | 3-5 business days |
Setting Your Method
In Stripe Connect, you can add multiple bank accounts and choose your preferred payout destination.Taxes
US Affiliates
- If you earn $600+ in a calendar year, you’ll receive a 1099-NEC form
- You’ll provide a W-9 during Stripe Connect setup
International Affiliates
- Provide appropriate tax documentation during setup
- Consult a local tax professional for your obligations
What LOAF Reports
| Earnings | What Happens |
|---|---|
| Under $600/year | No 1099 issued |
| $600+/year | 1099-NEC sent by January 31 |
Keep your own records. Your dashboard has full earnings history for export.
Payout History
Your Payout History shows:| Column | Info |
|---|---|
| Date Requested | When you submitted |
| Amount | How much |
| Status | Pending / Processing / Complete |
| Date Completed | When funds sent |
| Method | Where funds went |
Common Issues
Why is my payout 'Pending'?
Why is my payout 'Pending'?
Payouts process every Friday. If you requested mid-week, it’s queued for the next batch.
Why did my payout fail?
Why did my payout fail?
Usually a banking issue. Check that your Stripe Connect bank details are correct. Contact support if issues persist.
Can I change my bank account?
Can I change my bank account?
Yes. Go to your Stripe Connect dashboard and update your banking info. New payouts will go to the new account.
Is there a fee for payouts?
Is there a fee for payouts?
Standard payouts are free. Instant payouts (same-day to debit card) have a small fee (~1.5%).
What if I'm outside the US?
What if I'm outside the US?
Stripe supports most countries. Your local currency and banking are handled automatically. International transfers may have slightly higher minimums and longer processing times.
FAQ
When do commissions hit my balance?
When do commissions hit my balance?
Within 24 hours of your referral’s payment processing, then a 7-day hold before it’s available.
Can I donate my earnings?
Can I donate my earnings?
Not directly through LOAF, but once funds are in your bank, you can do what you want with them.
What happens if I close my account?
What happens if I close my account?
Outstanding available balance can still be withdrawn. Pending commissions may be forfeited depending on circumstances.
Are there chargeback risks?
Are there chargeback risks?
The 7-day hold protects against most chargebacks. If a referral disputes their payment after you’ve been paid, LOAF absorbs that risk — not you.
You earned it. Now claim it.