# Payouts

Learn how you get paid from the payments you've processed.

As you process payments, Finix buckets the funds from Transfers into `Settlements`. After Finix reviews and approves your settlement, you will receive a Funding Transfer with your payout.

Finix pays out to [`Payment Instrument` associated with the `Merchant#identity`](/guides/getting-started/developer-quickstart#step-2-tokenize-payment-details) you used in the transaction. Specifically, this is the bank account you associated with your `Identity` while creating your `Merchant`.

## Payout Schedule

How often you receive payouts depends on your payout schedule. Finix offers two different schedules to manage payouts:

| Type | Description |
|  --- | --- |
| Daily | Finix approves `Settlements` every business day. By default, `Settlements` are approved on a **Daily** basis. |
| Monthly | Finix approves `Settlements` on a monthly basis. |


## Payout Type

Finix offers two ways to configure payouts:

| Type | Description |
|  --- | --- |
| Net | Fees get deducted from your payouts. In other words, deposits and fees are combined into one payout. By default, payouts are calculated on a net basis. |
| Gross | Deposits and fees get distributed into two separate payouts. |


### Net

![Net Payouts](/assets/payouts-net.c006088dd5b52ddad2cc8fc8976402d698d0f294d643fca5c82f1cb75dae5d1c.28b10c14.png)

If you had $1000 in Payment and $30 in Fees, you'd receive a payout of $970 to your payout bank account.

### Gross

![Gross Payouts](/assets/payouts-gross.b8b99ff4dd6949c2b8c4ead0b379412a41226127f4e4421b55d77cfb3d24f316.28b10c14.png)

If you had a $1000 Payment and $30 in Fees, you would receive two payouts. The first would be a $1000 credit to your payout bank account. The second would be a debit of $30 to your other bank account.

Using Finix, you can manage what bank accounts get used for your payouts. This includes which bank accounts you use for payouts and fees.

## Changing Payouts

To change your payouts schedule, or type, contact the [Finix Support team](mailto:support@finix.com).

## Negative Payouts

In some cases, you can have a negative balance.

For example, if you receive $200 but refunds $300, your account balance would be -$100.

If don't receive further payments or process transactions to balance out the negative amount, Finix creates a Funding Transfer that debits your payout bank account.

## Payout Delays

As a risk mitigation measure, Finix has the right to temporarily withhold the first payout while conducting a standard risk review. This review is a required step in our risk mitigation process and helps us verify the legitimacy of payments activity. During this time, Finix may request supporting documentation (such as invoices or service agreements) to validate transactions.

In addition to the first large payout, Finix may also delay or hold subsequent payouts if we detect unusual activity. This may include significant increases in settlement volume, high dispute rates, or elevated ACH return rates. These reviews are essential for fraud prevention and compliance with regulatory obligations.