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Payout Management & Banking Setup User Manual

Module: Payout Management (M6)

Product: ebosAi AMP
Classification: Public / End-User Documentation
Version: 2.0

1. How Payouts Work

Once your commissions reach the Approved status, they become eligible for disbursement. Merchants process payouts in periodic settlement batches (e.g., monthly or bi-weekly).

graph LR
    A[Approved Commissions] --> B{Total ≥ Minimum Threshold?}
    B -->|Yes| C[Included in Next Payout Batch]
    B -->|No| D[Rolled Over to Next Month]
    C --> E[Merchant Reviews & Issues Bank Wire / PayPal]
    E --> F[Status Changes to Posted]
    F --> G[Funds Cleared in Partner Account]

2. Key Payout Requirements

To receive payout disbursements: 1. Minimum Payout Threshold: Your total approved commissions must meet the merchant's minimum payout threshold (default is $50.00). If your balance is below this amount, your approved commissions roll over to the subsequent month. 2. Valid Bank Coordinates on File: You must register your bank account details or payment coordinates in your profile before a payout batch is finalized.

3. Registering Your Bank Account

  1. Log into your partner portal and navigate to Profile (/partners/profile).
  2. Scroll to the Banking Coordinates & Payout Settings card.
  3. Provide the following details:
  4. Account Holder Name: Exactly as it appears on your bank statements.
  5. Bank Name & Country: Financial institution name and country code.
  6. Account Number / IBAN: Full international bank account number.
  7. Routing Number / SWIFT BIC: National routing transit code or international SWIFT code.
  8. Disbursement Currency: Selected currency (e.g. USD, EUR, GBP).
  9. Click Save Account Details.

[!IMPORTANT] Enterprise Data Encryption: Your bank account and routing numbers are encrypted at rest using AES-256-GCM encryption. For security, the portal masks these values, showing only the final four digits (e.g. ****5678).

4. Tracking Payout Settlements

Navigate to Payouts (/partners/payouts) to view your historical settlement ledger:

Status Meaning What to Expect
Pending / Draft Payout batch created by merchant. Calculation finalized; awaiting bank release.
Processing Wire transfer initiated. Funds are in transit (typically 1–3 business days).
Completed Payment verified and reconciled. Payment reference number displayed; funds available in your bank.
Failed Payment returned or rejected by bank. Check with program manager; verify your IBAN/SWIFT details.