Creator payout process
Understand how creator payouts work, when you get paid, and what requirements must be met before you can receive payments for successful listings.
In this article
Important
Payouts only happen when a listing is completely fulfilled: closed, awarded to a winner, and the product has been received by the winner. All compliance requirements must be met before any payments are processed.
When payouts happen
Creator payouts are triggered only when a listing completes its full lifecycle successfully. Here's the exact sequence:
Payout trigger sequence
Listing closes
The listing period ends and no more entries are accepted
Winner is selected
A winner is randomly drawn from eligible participants
Product is shipped
The product is sent to the winner with tracking information
Winner confirms receipt
Winner confirms they received the product in good condition
Payout is triggered
Your earnings are calculated and payment is initiated
No partial payouts
Payouts do not happen when listings simply close or when winners are selected. The complete fulfillment cycle must be finished before any payments are processed.
Payout requirements
Before you can receive any payouts, you must meet all of the following requirements:
Tax information
Complete tax forms and provide required tax identification
Tax forms required:
- • W-9 form (US individuals and businesses)
- • EIN documentation (businesses only)
- • Valid US Social Security Number or ITIN
Bank account linked
Securely connected bank account via Plaid for direct deposit payments
- • Plaid-verified bank connection
- • Instant account verification
- • Bank-level security
Platform compliance
Account must be in good standing with platform rules
- • No policy violations
- • Identity verified
- • No payment disputes
Missing requirements block payouts
If any requirement is incomplete, your payouts will be held until all requirements are satisfied. We'll notify you via email about any missing items.
Payment timeline
Once all requirements are met and a listing is fully completed, here's the payment processing timeline:
Fulfillment confirmed
Winner confirms product receipt
Payment processing
Earnings calculated and payment initiated
Payment sent
Direct deposit to your bank account
Processing time factors
- • Bank processing times
- • Payment verification checks
- • Weekend/holiday delays
- • International transfers (longer)
Expedited scenarios
- • Verified premium creators
- • High-volume creators
- • Same-bank transfers
- • ACH network efficiency
Setting up payouts
Follow these steps to configure your payout settings and meet all requirements:
Step 1: Complete tax information
- Go to Creator Dashboard → Settings → Tax Information
- Select your tax status (Individual or Business)
- Fill out the W-9 tax form
- Upload supporting documentation if required
- Submit for verification (1-3 business days)
Note: All creators must be US residents or entities to participate in the Zwee marketplace.
Step 2: Link your bank account with Plaid
- Navigate to Creator Dashboard → Settings → Payouts & Bank Accounts
- Click "Add Bank Account" to open the secure Plaid connection
- Search for and select your bank from the list
- Securely log in to your bank account through Plaid
- Choose the account you want to use for payouts
- Confirm the account details and set as primary
Powered by PlaidYour bank connection is secured by Plaid's bank-level encryption. Account verification is instant, and we never store your banking credentials.
Step 3: Verify identity & compliance
- Complete identity verification in Account Settings
- Upload government-issued photo ID
- Verify your address with utility bill or bank statement
- Review and accept creator terms of service
- Ensure account has no policy violations
Compliance verification
Your account must maintain good standing to receive payouts. Here's what we monitor:
✅ Compliance checklist
Content guidelines
All content follows platform rules
No disputes
No unresolved payment or content disputes
Identity verified
Government ID and address confirmed
Tax compliant
Valid tax information on file
🚫 Compliance issues
Policy violations
Suspends payouts until resolved
Incomplete verification
Missing identity or tax documents
Payment disputes
Unresolved chargebacks or claims
Account restrictions
Temporary or permanent limitations
Maintaining compliance
- • Regularly review your account status in the dashboard
- • Respond promptly to any compliance notifications
- • Keep your tax and banking information up to date
- • Follow all platform guidelines and terms of service
Tracking your earnings
Monitor your earnings and payout status through your creator dashboard:
Earnings overview
- • Total earnings: All-time payout total
- • Pending earnings: Awaiting fulfillment
- • This month: Current month earnings
- • Available for payout: Ready to process
Payment history
- • Payment date: When payment was sent
- • Amount: Gross and net amounts
- • Method: Bank transfer details
- • Status: Processing, completed, failed
Understanding earnings calculations
Troubleshooting payouts
Why haven't I received my payout?
Check these common issues:
- Winner hasn't confirmed product receipt
- Tax information incomplete or expired
- Bank account connection incomplete
- Account compliance issues
- Payment is still processing (3-5 business days)
Bank account connection issues
If your Plaid bank connection failed:
- Ensure you're using the correct bank login credentials
- Check if your bank is supported by Plaid
- Try connecting from a different browser or device
- Verify your account is in your name and active
- Contact support if your bank requires additional verification
Note: Some credit unions and smaller banks may require manual verification. Contact our support team for assistance.
Compliance holds
If your account has compliance issues:
- Check your dashboard for specific violation notices
- Upload any requested documentation
- Respond to support team requests promptly
- Review platform guidelines for clarity
Payment delays
Factors that can delay payments:
- Bank holidays and weekends
- Large payment amounts requiring verification
- First-time payout additional security checks
Still need help?
If you're still experiencing issues with payouts, our creator support team is here to help.
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