Stripe Connect Payouts

With Stripe Connect Payouts, you can send payouts directly to your affiliates' bank accounts, with no CSV exports or third-party tools required. You fund payouts from a linked bank account or card, or by sending a bank transfer. Affiliates in 119 countries can receive payouts in their local currency.

Requirements

• An active PromoteKit subscription (paid plan or trial).
• USD as your display currency. Stripe Connect Payouts are sent in USD. If your organization uses another currency, select USD as your display currency under Settings → Affiliate. If you already have commissions recorded, PromoteKit converts your existing commission, payout and fixed campaign amounts to USD at the current exchange rate.
• A way to fund payouts: a bank account, credit card, or debit card.
• An Owner or Admin role to set up funding and send payouts (see Who Can Manage Payouts).

Getting Started

Minimum Payout

Each affiliate must be owed at least $20 to be paid through Stripe Connect. If your campaign's minimum payout is higher, that minimum applies instead. Affiliates below the minimum don't appear on the Generate Payouts page yet. Their commissions keep accumulating until they reach it.

Funding with a Linked Bank Account

You can link a US bank account and have payouts charged from it automatically via ACH:

• Instant verification. You connect your account by logging in to your bank through Stripe. Entering routing and account numbers manually isn't supported.
• Settlement time. ACH payments usually take a few business days to settle.

Funding with a Card

You can fund payouts with a credit or debit card:

• Credit and debit cards only. Prepaid cards aren't accepted, and the card's security code (CVC) must verify.
• Card payout limit. Card-funded payout amounts are limited for new accounts. For larger payouts, use a bank account, or contact support to request a higher card limit.
• You authorize each payout. Before a card is charged you confirm the amount with a one-time code emailed to you and tick an authorization checkbox. The charge appears on your statement as PROMOTEKIT* PAYOUTS.
• Payments are final once affiliates are paid. If you need to cancel a payout, contact us before transfers are sent. Please contact us before disputing a charge with your card issuer (see the Payout Terms).

Funding by Bank Transfer

Instead of charging a linked bank account or card, you can fund a payout by sending a bank transfer yourself. This is separate from linking a bank account: nothing is linked, and you don't need a US bank account. You can send the transfer from any bank by:

• ACH from a US bank account
• Wire (domestic US wire)
• International SWIFT wire from a bank outside the US

While a request is open, the bank details are always available from View Bank Details in the banner on the Generate Payouts page. PromoteKit will never email you bank details, so always copy them from your dashboard.

• Sending too little: the request stays open and shows the amount still due. Send the rest using the same details.
• Sending too much, or after a request was cancelled: the extra funds are kept as a credit and applied automatically to your next bank transfer payout. Contact hello@promotekit.com if you'd like them returned instead.
• One request at a time: you can have one open bank transfer request. To create another, wait for your transfer to arrive or cancel the open request from View Bank Details.
• Expiry: a request expires after 14 days if the full amount hasn't arrived. The selected commissions are reserved until then, and they're released so you can pay them again if the request expires or you cancel it.

Confirming a Payout

Every Stripe Connect payout must be confirmed with a one-time code emailed to the admin sending it. After you review the total and click Confirm and Pay, enter the 6-digit code from your inbox. Codes expire after 10 minutes and can only be used once. This protects your funds even if someone gains access to your PromoteKit session.

Payout Timing

1. Funding. Your funding method is charged when you confirm. Card payments settle immediately. ACH payments usually take a few business days. For bank transfers, the payout is funded when your transfer arrives: ACH usually takes 1–3 business days, and wires usually arrive the same day.
2. Holding period. After your payment settles, payouts can be held for up to 2 business days before being sent to affiliates. Payouts funded by manual ACH bank transfer are held for up to 6 business days after your transfer arrives.
3. Transfers. PromoteKit then transfers each affiliate their commission automatically. Stripe deposits the funds into the affiliate's bank account according to their Stripe Express payout schedule.

Fees

The bank account fee applies both to a linked bank account and to payouts funded by bank transfer. The fee is added on top of the payout total and shown before you confirm. It is never deducted from your affiliates' commissions. Lower processing fees are available for enterprise accounts.

Who Can Manage Payouts

Stripe Connect Payouts move real money, so only organization Owners and Admins can:

• Link or remove funding methods
• Send payouts and retry failed transfers
• Send payout setup reminders to affiliates

Members can't link payout methods or send payouts. You can change a team member's role under Settings → Members.

Emails and Invoices

All Owners and Admins in your organization receive an email when:

• A payout is initiated, with a breakdown of every affiliate being paid and the fee
• Your funding payment succeeds and transfers are scheduled
• Your funding payment fails, with the reason (the commissions are released so you can pay them again)

For payouts funded by bank transfer, Owners and Admins are emailed when part of the amount arrives (with the amount still due) and when the full amount arrives.

Affiliates receive an email when their payout is sent, and if a deposit to their bank fails.

Every settled payout gets an invoice with a unique invoice number. You can download invoice PDFs under Settings → Payouts → Payout Invoices.

Payout Statuses

Each Stripe Connect payout batch moves through these statuses:

Failed Transfers

If a transfer to an affiliate fails (for example, their Stripe Express account became restricted), the batch shows Needs Attention and the affected payout gets a Retry button. The funds stay safely in the payout balance until the transfer succeeds.

If an affiliate's bank deposit fails after the transfer (for example, outdated bank details), Stripe automatically retries once they update their bank account in their Stripe Express dashboard. The affiliate is notified by email.

For Affiliates: Connecting Stripe Express

Affiliates set up payouts from the Settings page of your affiliate portal:

1. Select your country and click Connect with Stripe.
2. Complete Stripe Express onboarding: identity details, the bank account you want to be paid to and, for US affiliates, tax information (SSN or EIN).
3. Once Stripe verifies your account, the card shows that you're ready to receive payouts.

Payouts are sent in USD, and Stripe converts them to your local currency and deposits them in your local bank account. Use Manage Payouts on Stripe to view your payout history, update your bank details and access tax forms. By connecting a payout method, you agree to the Payout Terms.

On the Generate Payouts page, affiliates who haven't connected Stripe Express yet are marked Not connected and can't be selected. You can send them a reminder email from the banner or the row's menu.

Supported Countries

Affiliates can receive Stripe Connect Payouts in the following 119 countries:

Affiliates in other countries can't receive Stripe Connect Payouts. You can still pay them another way (for example with PayPal or Wise) and use Mark as paid in the row's menu on the Generate Payouts page to record the payout.

Tax Forms

Affiliates provide identity and tax details (such as SSN or EIN for US affiliates) during Stripe Express onboarding. PromoteKit files 1099-NEC forms for eligible US affiliates paid through Stripe Connect Payouts after the end of each tax year, and affiliates can access their forms from their Stripe Express dashboard. See Tax Forms (1099) for details.

Terms

Stripe Connect Payouts are governed by the Payout Terms, which supplement the PromoteKit Terms of Service and Affiliate Terms.