The time it takes for your balance to be ready for payout can differ by country, usually ranging from 2 to 7 business days. In countries where it’s supported, the standard payout schedule is set to automatic daily payments, meaning your balance will be transferred daily once it’s eligible for payout. Additionally, you have the option to choose weekly or monthly payouts instead.

Whether you’ll be charged tax depends on the nature of the transaction, your location, and applicable laws and regulations. Taxes, such as sales tax, VAT (Value-Added Tax), or GST (Goods and Services Tax), may be applied based on the product or service being purchased and the jurisdiction in which you reside or where the transaction occurs. It’s important to consult local tax laws or a tax professional to understand your specific tax obligations.

Your business might be considered high risk based on factors like industry type—especially if it’s prone to chargebacks or regulatory scrutiny (such as adult entertainment, gambling, or travel), financial stability, and whether you have a high chargeback rate. Operations that involve subscription models, make international sales, or sell in heavily regulated sectors (like tobacco or CBD) also contribute to this classification. Additionally, businesses with high transaction values, as well as new or unestablished companies without a proven financial track record, are often seen as high risk. Evaluating these aspects can help you understand your risk level, which is crucial for securing appropriate payment processing options and preparing for financial or regulatory challenges.

A business falls into the medium-risk category when it doesn’t fully meet the criteria for being classified as high risk yet exhibits characteristics that are more complex or uncertain than those typical of low-risk businesses. This classification can arise from a mix of factors, such as operating in an industry with moderate chargeback rates, engaging in international transactions with a moderate level of risk, or dealing in products or services that face some level of regulatory attention but not to the extent of high-risk industries. Businesses with a relatively stable financial history that might have occasional fluctuations in revenue or chargebacks could also be considered medium risk. Moreover, companies that have a mix of domestic and international customers, offer subscription services with moderate chargeback rates, or have average transaction values that are neither too low nor excessively high may fall into this category. Essentially, if your business exhibits a balance of risk factors without veering too strongly toward the high-risk or low-risk ends of the spectrum, it’s likely to be classified as medium risk.

A business is typically considered low risk if it operates within an industry with low chargeback rates, has a stable financial history, engages in transactions primarily with customers in the same country, and sells products or services that aren’t subject to intense regulatory scrutiny. Additionally, if your business has a consistent track record of transactions without significant issues, such as fraud or late payments, and maintains a low average transaction value, it’s more likely to be classified as low risk. These businesses often enjoy benefits like lower processing fees and more favorable contract terms with payment processors. Identifying as low risk hinges on a combination of having a clear operational history, engaging in straightforward, domestic transactions, and operating in a stable and uncontroversial market sector.