Payout Processing Delays (Creatorflow Withdrawals)

What to Expect When Withdrawing on YouPay

We know receiving your gifts is one of the most important parts of using YouPay. Our goal is to make sure your funds are safe, accessible, and delivered as quickly as possible.

Occasionally, withdrawals may take longer than expected due to bank holidays, payout provider maintenance, or unexpected spikes in payout activity. In all cases, your funds will either be successfully delivered to your selected payout method or returned to your YouPay balance if a banking error occurs.

Importantly, once you submit a withdrawal request, we immediately initiate the transfer to your chosen payout method.

When should I expect the funds to arrive?

Instant transfers

• Usually settle within minutes

• Depending on your bank, processing can take up to 4 hours

• On average, most instant transfers complete within 15 minutes

Same-day (24-hour) and standard transfers

• Processed only during business trading hours

• Transfers will not move on weekends or bank holidays

Please note that we work with both Australian and U.S. banking systems, so processing times and bank holidays are determined by Australian and U.S. banking hours.

My transfer is still processing, why?

If your payout appears to be processing longer than expected, it’s typically due to one of the following reasons:

1. Payout provider or banking maintenance

The most common cause is maintenance on the side of our payout provider or the payment networks (such as Visa or Mastercard) that handle instant transfers.

• Maintenance can last up to 8 hours

• Most issues are resolved much sooner

2. Increased payout activity

Like all platforms, there are limits to the amount of funds available for payouts at any given time. While funds are captured from the payer at checkout, they are not immediately added to the payout balance we use to pay creators.

To manage this, we:

• Maintain a buffer of 20–30% additional funds

• Account for weekends and bank holidays when banks are offline

However, if there’s a sudden increase in payout requests at the same time, this can temporarily impact the available payout capacity while we wait for banks and partners to settle the incoming funds.

• Most delays resolve within 12 hours

• In rare cases, processing may take up to 24 hours

How are we working to reduce these delays?

Good news! Our payout providers have shared plans to support stablecoin payouts in the near future.

Bank payouts: Our banking partner has already provided a preview of their stablecoin integration and expects it to be ready within the coming months.

Gift card payouts: Our gift card partners have confirmed they’re actively working toward stablecoin support. While a specific timeline isn’t available yet, we expect this option to launch later this year.

Still need help?

If your payout hasn't arrived as expected or you need further assistance, please contact our support team at youpay.co/ticket.