Withdrawals — when and how you get paid

Key takeaway: You earn commission per paying month, you withdraw at £50+, payouts settle in 3 working days. Set up Stripe Connect on day one — it's the difference between getting paid this week and getting paid in a month.

How earnings accrue

The moment a referred customer becomes a paying subscriber, your commission row is created with the first month's commission (20% of their plan price).

Every subsequent month they pay, your commission row updates with another month's commission added on.

Cancellations / refunds before 30 days = clawback. After 30 days = stays yours.

What "withdrawable" means

On your dashboard, the right-most card shows Withdrawable. This is what you can actually cash out right now:

Withdrawable = Total earned − Total paid out − Pending payouts

Examples:

• Earned £200, never paid out → Withdrawable: £200.
• Earned £200, withdrew £150 last month → Withdrawable: £50.
• Earned £200, requested a £100 payout that's still pending → Withdrawable: £100.

How to request a payout

1. Hit £50 withdrawable.
2. The pink "Request payout" banner appears on your dashboard.
3. Click it. A pending payout row is created in affiliate_payouts.
4. Founder approves within 1 working day.
5. Stripe Connect (or your manual payout method) settles within 3 working days from approval.

The "Pending" sub-line on the Withdrawable card shows the requested amount that's still in flight.

Stripe Connect setup (do this NOW)

If you haven't already, on your dashboard click Set up Stripe Connect. It takes 5 minutes:

• Name + address
• Date of birth
• Bank details (sort code + account number)
• ID verification (passport / driver's licence)

Stripe runs identity checks. Once approved, future payouts are automatic — no invoicing, no chasing.

Manual payouts (alternative)

If you'd rather not set up Stripe (some affiliates prefer not to give us bank details), email affiliates@foan.me with:

• Preferred payout method (PayPal, bank transfer, Wise)
• The relevant payment details

We'll process manually. Slightly slower but works.

Tax — your responsibility

We don't withhold tax. Your commission is paid gross. You're responsible for:

• UK affiliates: declare it as self-employment income. We send a year-end summary in April.
• EU affiliates: depends on country — your accountant will know.
• US affiliates: we'll need a W-9; we'll issue a 1099 if you cross the threshold.

If you're unsure, talk to your accountant. Foan can't give tax advice.

Frequency

• Most affiliates withdraw monthly.
• Some prefer to let it accumulate and withdraw quarterly.
• Either's fine. There's no penalty for waiting, and no benefit beyond simpler bookkeeping.

When something looks wrong

If your withdrawable doesn't match what you expected:

1. Check the pending payouts list — money you've already requested won't show as withdrawable.
2. Check the referrals list — has anyone churned? Their commission would have been removed.
3. Email affiliates@foan.me with the specifics. We have full audit logs and will reconcile within 24 hours.

The compounding play

Sign up one customer = £29.80/month forever (Growth plan). Sign up ten = £298/month. Sign up fifty = £1,490/month — and the customer base keeps growing as long as they keep paying.

You're not selling discrete deals. You're building a recurring income that grows with your customer base. Every signup compounds.