Payout System

Panels Store processes monthly payouts, transferring your earnings directly to your bank account. You can get paid one of two ways: Stripe or bank transfer. Here's everything you need to know about getting paid.

Payout Methods

You choose how you'd like to receive your earnings:

Method	How it works	Best for
Stripe	Transferred to your connected Stripe account	Creators in the EU, UK, or US who already use Stripe
Bank transfer	Sent straight to your bank account	Creators who prefer a direct deposit, or who are outside the regions Stripe supports

Both methods follow the same schedule, the same minimum-threshold rules, and the same balance rollover. The only real difference is the fee you pay to move the money, which we explain in Payout Fees below.

Choosing a method

You can set your preferred payout method in My Store → Settings → Payout Settings. If you're unsure which to pick, email publish@panels.store and we'll help you choose the cheapest option for your region.

Payout Schedule

Payouts are processed on the 1st of each month for the previous month's sales.

Weekend/Holiday Delays

If the 1st falls on a weekend or bank holiday, payouts may be processed on the next business day. The actual transfer timing is handled by the payment processor.

Example Timeline

📅 March Sales
├─ March 1: Reader buys your comic for $4.99
├─ March 15: Another sale for $4.99
├─ March 28: Final sale for $4.99
│
└─ April 1: Payout of $11.97 sent to your account

Minimum Payout Threshold

To receive a payout, your balance must meet your configured minimum threshold.

How It Works

• Default Minimum: $50 (recommended)
• Configurable Range: Starting at $4
• If Below Threshold: Balance rolls over to next month
• No Expiration: Your balance never expires

Why Set a Higher Threshold?

Higher thresholds mean fewer transfers and lower total fees. This is true for both payout methods—every transfer you skip is a fee you don't pay.

Scenario A: low threshold (monthly payouts)
├─ Month 1: payout → fee
├─ Month 2: payout → fee
├─ Month 3: payout → fee
└─ Total: three transfer fees

Scenario B: higher threshold (quarterly payout)
└─ Month 3: one larger payout → one fee
└─ Total: a single transfer fee

Recommended Strategy

Set your threshold to $50–$100 to balance regular payouts with fee efficiency. Adjust based on your sales volume.

Payout Fees

We don't add a markup to your payouts—we simply pass on the fee charged by the provider that moves your money. The fee depends on the method you've chosen.

Stripe Payouts

Stripe charges a fee for each transfer to your bank account. To cover it, we apply:

• Fee Rate: 0.5% of the payout amount
• Minimum Fee: $4.00 per transfer

Payout Amount	Fee Calculation	Actual Fee	You Receive
$50	0.5% = $0.25	$4.00 (minimum)	$46.00
$100	0.5% = $0.50	$4.00 (minimum)	$96.00
$200	0.5% = $1.00	$4.00 (minimum)	$196.00
$500	0.5% = $2.50	$4.00 (minimum)	$496.00
$800	0.5% = $4.00	$4.00	$796.00
$1,000	0.5% = $5.00	$5.00	$995.00
$2,000	0.5% = $10.00	$10.00	$1,990.00

Minimum Fee Applies

For payouts under $800, you'll always pay the $4 minimum fee. Above $800, you pay the calculated 0.5%.

Bank Transfer Payouts

For bank transfers we use Wise, which consistently offers some of the lowest international transfer fees available. As with Stripe, Panels adds no fee of its own—you only pay what Wise charges to move the money, and that fee is shown to you transparently.

There are two things that make up the cost of a bank transfer:

1. Wise's transfer fee — a small fee Wise charges to send the money. It's typically a low fixed amount plus a small percentage (often well under 1% of the amount).
2. Currency conversion — our balance is held in euros (EUR). If your bank account is in another currency (for example GBP, USD, or any other), Wise converts the money for you. Wise converts at the mid-market exchange rate—the same rate you'd find on Google, with no hidden markup added to the rate itself.

If your bank account is also in euros, no conversion is needed and you only pay the small transfer fee.

Why the fee can't be known exactly in advance

Wise's fee depends on which currencies are involved (we send from EUR; your account may be in another currency), how much is being sent, and the exchange rate at the moment the transfer is made. Because exchange rates move with the market, the precise fee for any given payout can only be known at the time it's sent—not before.

As a rule of thumb, payouts to a euro account are usually free (no conversion needed), while payouts that require conversion carry Wise's small transfer fee plus the market exchange rate.

Estimating your fee beforehand

While we can't quote an exact figure ahead of time, you can get a very close estimate using Wise's own calculator. Enter an amount in EUR as the source currency and your bank account's currency as the destination:

👉 Wise send-money calculator

It shows Wise's current fee and the mid-market exchange rate, which gives you a realistic picture of what to expect.

Seeing your exact fee after payment

The exact fee and the final amount you received are shown on the invoice for each completed payout, in your Panels dashboard (My Store → Payouts). Every invoice includes:

• Gross amount — your total earnings for the period (in EUR)
• Wise fee — the exact fee charged for the transfer
• Exchange rate — the rate used to convert to your currency (if conversion applied)
• You received — the final amount that landed in your bank account, in your own currency

So you always have a complete record of exactly what was charged and why.

A higher threshold saves the most here

Because Wise's fee includes a small fixed component per transfer, fewer, larger payouts mean you keep more of your earnings. If you're getting paid by bank transfer, raising your minimum threshold is the easiest way to reduce total fees over time.

Balance Rollover

If your balance doesn't meet the minimum threshold, it automatically rolls over:

January: $30 earned
└─ Below $50 threshold → Rolls over

February: $25 earned
├─ Total balance: $55
└─ Meets $50 threshold → Payout sent (minus the transfer fee)

Track Your Balance

Monitor your current balance in your Panels Store dashboard (My Store → Sales) to see when you'll receive your next payout.

Supported Regions

Method	Where it works
Stripe	🇪🇺 European Union · 🇬🇧 United Kingdom · 🇺🇸 United States
Bank transfer (Wise)	Most countries and currencies Wise supports

Outside the EU/UK/US?

If Stripe isn't available in your region, a bank transfer is often the way to go. Email publish@panels.store and we'll confirm whether we can pay out to your country and currency.

Configuring Your Payout Settings

Choosing or Changing Your Payout Method

1. Go to My Store → Settings
2. Find Payout Settings
3. Select Stripe or Bank transfer
4. Enter or confirm your account details
5. Save changes

Changes take effect for the next payout cycle.

Changing Your Minimum Threshold

1. Go to My Store → Settings
2. Find Payout Settings
3. Adjust Minimum Payout Threshold
4. Save changes

Updating Your Bank Details

If you use Stripe, your bank account is managed through Stripe:

1. Visit your Stripe Dashboard (accessible from your Panels Store settings)
2. Go to Settings → Bank Accounts
3. Update or add a new account
4. Verify the account as required

If you use bank transfer, update your account details directly in My Store → Settings → Payout Settings.

Verification Required

Bank account changes may require verification before the next payout. Update well before month-end to avoid delays.

Payout Notifications

You'll be notified when a payout is sent. For Stripe payouts, Stripe also emails you when funds reach your connected account—make sure your email address is current in your Stripe account settings.

Troubleshooting Payouts

Why Didn't I Receive a Payout?

Common reasons:

• Balance below minimum threshold
• Bank account details incomplete or unverified
• Stripe account issue or under review (Stripe payouts)
• First month of sales (wait until next month)

Payout Failed or Bounced

If a payout fails:

1. Check that your account details are correct and up to date
2. Verify your account is active and can receive transfers
3. For Stripe payouts, check whether your account is under review
4. Email publish@panels.store if you need assistance

The funds remain in your balance and will be included in the next successful payout.

Viewing Payout History

Track all your payouts:

• Panels Dashboard: My Store → Payouts (includes a full fee breakdown and invoice for each payout)
• Stripe Dashboard: Complete transaction and payout history (Stripe payouts)

Tax Considerations

Tax Responsibility

You are responsible for reporting and paying taxes on your earnings. Panels Store does not automatically withhold taxes.

Consult with a tax professional about:

• Self-employment income reporting
• Sales tax obligations (varies by region)
• International tax treaties (if applicable)
• Record-keeping requirements

Depending on your region and earnings, you may receive tax documents (such as 1099 forms in the US) from Stripe.

Related Topics

• Platform Fees - Understand deductions before payouts
• Stripe Onboarding - Set up your Stripe payment account
• Contact Support - Get help with payout issues