Cashout.

Only earned credits

Monthly, purchased, and promo credits cannot be withdrawn. They are operating fuel — spendable on advice, copy, branding, features, and infrastructure, but not exchangeable for cash. Earned credits come from your business's real revenue, after fees and reserves, and they can become cash. The bright line between operating credits and earned credits is the foundation of the whole economy.

Settlement window

New revenue starts as pending earned credits and converts to available earned after the settlement window closes (typically the end of the calendar month, plus a short clearing buffer). Pending earned credits cannot be withdrawn.

Reserve holdback

A portion of available earned credits is held against potential refunds and disputes, then released after the hold period (typically 30 days). The exact percentage scales with your business's chargeback history and category risk.

Identity onboarding (KYC)

Stripe Connect KYC is required before the first withdrawal. We don't store identity documents; Stripe does. The flow is short and only runs once per operator account.

Minimum withdrawal

• Starter and Business tiers: $25 minimum per withdrawal.
• Portfolio tier: lower minimums apply.

Account in good standing

Withdrawals require:

• No unpaid infrastructure costs or scale-pack overages.
• No negative business balance.
• No open disputes above an internal threshold.
• An active Operator Plan subscription.

Refunds and chargebacks

Refunds and chargebacks are recovered in this order: pending earned, then reserved earned, then available earned, then future revenue, then your account balance. We don't claw back purchased or monthly credits to cover refunds.

No transfers, no resale, no secondary market

Credits can't be transferred between operator accounts, can't be resold, and aren't traded on a secondary market. This is why credits are a ledger, not a currency.

Worked example

1. Customer revenue this month: $1,000.
2. Payment processing + tax pass-through: −$80 → net receipts $920.
3. Platform fee (30% at Starter): −$276.
4. Infrastructure COGS / scale packs: −$50.
5. Operator earned balance: $594 → 5,940 earned credits.
6. After settlement and 10% reserve hold: 5,346 withdrawable · 594 reserved.

Reserved earned credits release after the hold period and become withdrawable then.

This page describes intent, not a legally binding contract. Specific terms are governed by the Operator Agreement (linked in the footer) and Stripe Connect's own terms of service. Cashout availability may vary by jurisdiction.