> For the complete documentation index, see [llms.txt](https://guides.paynow.gg/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://guides.paynow.gg/payments-and-payouts/payouts.md).

# Payouts

Where you withdraw what your store has earned. [Billing](/payments-and-payouts/billing.md) is the opposite direction: what PayNow charges you.

*Dashboard → Billing → Payouts. Owner-only: it isn't permission-gated, so no role grants it, not even a fully-privileged Administrator. See* [*Account Payouts vs Store Payouts*](/payments-and-payouts/account-vs-store-payouts.md)*.*

## First time here

A new store shows a warning: *"You are not eligible to receive payouts, please check your payout onboarding status."* Click **Setup Payouts** in the top right and complete onboarding.

Do this early. Payout onboarding has to be approved before your store can go live, so it gates your launch rather than just your first withdrawal, and approval is not instant.

{% hint style="warning" %}
**Get every detail about yourself or your business right first time.** Corrections after submission are slow, and each round trip adds to the wait before you can sell at all.

See [Setting Up Your Payout Account](/getting-started/payout-account.md) and [Tax Forms](/getting-started/tax-forms.md).
{% endhint %}

<figure><img src="/files/0JfAMIrDfjvE60Pu7rg3" alt="The Payouts page before onboarding, showing the eligibility warning and Setup Payouts button."><figcaption></figcaption></figure>

## Withdrawing funds

1. Click **Withdraw Funds** in the top right.
2. Enter the amount.
3. Submit.

The payout appears on the main Payouts page with a **timeline** of the stages it moves through, plus details such as IDs, name and amount. Filter by payout type and time range using the controls in the top right of the payouts section.

<figure><img src="/files/u3FbaddDd8BUq3oyHcLt" alt="The Payouts page showing the available and settling balances, the Withdraw Funds button, and a payout list with one payout Processing and one Completed."><figcaption><p>The step-by-step payout timeline is on the payout's own page — open a row to see it.</p></figcaption></figure>

## Your balance is not your revenue

Three different numbers get confused constantly.

| Number      | Where                                                 | What it is                                   |
| ----------- | ----------------------------------------------------- | -------------------------------------------- |
| **Sales**   | [Dashboard](/analytics/dashboard.md)                  | What customers paid, gross                   |
| **Net**     | [Transactions](/payments-and-payouts/transactions.md) | After tax, gateway fees and platform fees    |
| **Balance** | Here                                                  | Net that has **settled** and is withdrawable |

A sale completed today isn't withdrawable today. It has to settle first, and **Settles In** on [Transactions](/payments-and-payouts/transactions.md) tells you when. If your balance looks low against your sales figure, work down that table before assuming something is wrong. Tax is usually the largest single difference, and it was never your money.

## Practical notes

Start onboarding before you need the money. Approval isn't instant, and the worst time to find a document problem is when you're relying on the payout.

Compare fees before choosing a method. A wire costs around fifteen times an ACH for the same money, and **PayPal is USD stores only**. The full fee table is in [Setting Up Your Payout Account](/getting-started/payout-account.md).

Don't use payouts as currency exchange. Take the payout in your local currency where that option exists. The FX rates are unfavourable and PayNow earns nothing from them.