> ## Documentation Index
> Fetch the complete documentation index at: https://polar.sh/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Payouts

> Withdraw money from your Polar account

You can issue a withdrawal — also called a payout — once your balance meets the minimum threshold for your account currency. Polar transfers the balance, minus Stripe payout fees (see below), to your Stripe account, and Stripe issues the payout from there.

## Payout Delay

Transactions are subject to a **7-day settlement delay** from the date they occur before the corresponding funds become available for payout. This delay applies by default to organizations created on or after May 12, 2026. Organizations created before this date continue to receive instant payouts.

We may also extend this delay or hold specific transactions when it makes sense — most commonly to align your settlement window with your refund policy, and occasionally for risk or compliance reasons.

## Minimum Payout Thresholds

The minimum balance required to issue a payout varies based on the payout currency. Certain currencies have a higher limit due to Stripe requirements, and these limits can change.

| Currency         | Minimum Balance (USD) |
| ---------------- | --------------------- |
| USD              | \$10.00               |
| EUR              | \$13.00               |
| GBP              | \$15.00               |
| CHF              | \$15.00               |
| AOA              | \$30.00               |
| ALL              | \$40.00               |
| AMD              | \$40.00               |
| AZN              | \$40.00               |
| BAM              | \$40.00               |
| BOB              | \$40.00               |
| BTN              | \$40.00               |
| CLP              | \$40.00               |
| GMD              | \$40.00               |
| GYD              | \$40.00               |
| KHR              | \$40.00               |
| KRW              | \$40.00               |
| LAK              | \$40.00               |
| MDL              | \$40.00               |
| MGA              | \$40.00               |
| MKD              | \$40.00               |
| MNT              | \$40.00               |
| MYR              | \$40.00               |
| MZN              | \$40.00               |
| NAD              | \$40.00               |
| PYG              | \$40.00               |
| RSD              | \$40.00               |
| THB              | \$40.00               |
| TWD              | \$40.00               |
| UZS              | \$40.00               |
| COP              | \$50.00               |
| Other currencies | \$10.00 (default)     |

A handful of countries also enforce a higher minimum:

| Country     | Minimum Balance (USD) |
| ----------- | --------------------- |
| Bahamas     | \$30.00               |
| El Salvador | \$30.00               |
| Panama      | \$50.00               |

## Stripe Payout Fees

Each payout to your Stripe account carries a fee:

1. \$2 per month in which you have at least one active payout
2. 0.25% + \$0.25 per payout
3. Cross-border fees (currency conversion): 0.25% within the EU, up to 1% elsewhere

## Manual Withdrawal

Because of those fixed per-payout costs, withdrawals are initiated manually rather than on an automatic schedule. This way you decide when to incur the fees and can batch earnings into fewer, larger payouts instead of paying overhead on every transaction.

## Reverse invoices

Polar invoices your customers directly as the Merchant of Record. For your own accounting, you'll need to invoice Polar in return for each payout. You can generate a **reverse invoice** — detailing the sales we made on your behalf, minus our fees — from the **Payouts** page under **Finance** in your dashboard. Click the ellipsis next to a payout and select **Download invoice**.

A modal will open, allowing you to:

* Set your billing name and address.
* Add information shown below your billing address — a good place for your VAT number or any other details your local tax rules require on an invoice.
* Add notes shown at the bottom of the invoice.
* Customize the invoice number. By default, we generate one like `POLAR-0001`, but you can change it to your own format and sequence.

<Warning>
  Once the reverse invoice is generated, it cannot be changed. Make sure to
  double-check the information before generating it.
</Warning>

### Sample Reverse Invoice

<iframe src="https://polar-public-assets.s3.us-east-2.amazonaws.com/sample-reverse-invoice.pdf" width="100%" height="600px" />

## Tax Forms

### 1099-K Form (US)

Polar will issue 1099-K forms via Stripe to eligible users in the US on an annual basis.

For a given tax year, 1099-K forms are required for users who cross a certain gross volume in USD and a certain number of transactions via Polar.

**Why not a 1099-NEC or 1099-MISC?**

TurboTax has [this great article](https://blog.turbotax.intuit.com/self-employed/1099-misc-or-1099-k-whats-the-difference-29903/) on the difference between 1099-K, 1099-NEC & 1099-MISC.

<Tip>
  If you're self-employed and accept credit, debit, or prepaid cards, you may receive Form 1099-K for transactions processed by a third party. This includes creators, influencers, rideshare drivers, or side-giggers. If you're an online seller selling on platforms like Ebay, AirBnB, Etsy, and VRBO, you may also receive Form 1099-K.
</Tip>

Stripe further clarifies 1099-K requirements for Payment Settlement Entities (PSE) in [this article](https://support.stripe.com/questions/intro-to-1099-k-tax-forms-for-platforms-and-marketplaces).

Effectively, `1099-K` is required for platforms/marketplaces which:

1. Handle payment between someone providing goods/services to purchasers
2. Such payments are made with credit, debit, or prepaid cards
3. Receiver is not a contractor/freelancer to the platform/marketplace

Polar meets all of these criteria and therefore issues 1099-K forms to eligible developers on the platform vs. other forms.

## Frequently Asked Questions

<AccordionGroup>
  <Accordion title="How long do payouts take?">
    Payouts typically take 4-7 business days.
  </Accordion>

  <Accordion title="When are payouts processed after I request them?">
    Payouts are processed in batches 24 hours after initiation.
  </Accordion>

  <Accordion title="Can I use my personal bank account to receive payouts?">
    For individual accounts, yes. For business accounts, you will need a business bank account.
  </Accordion>

  <Accordion title="I'm currently not allowed to withdraw a payout. What should I do?">
    Payouts are temporarily paused while your account is being reviewed. This is part of our standard risk management process — see [Account Reviews](/merchant-of-record/account-reviews) for details on how reviews work and what to expect. You'll be able to withdraw again as soon as the review is resolved.
  </Accordion>
</AccordionGroup>
