Payout Rules

This document defines the rules governing commission payouts, eligibility requirements, processing schedules, and handling of payout-related scenarios.

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Payout Eligibility Requirements

Partners must meet all of the following criteria to request a payout:

Mandatory Requirements

Requirement	Description	Verification
KYC Approved	Identity verification completed	kyc_status = 'APPROVED'
Partner Status	Account in good standing	status = 'ACTIVE'
No Pending Disputes	No unresolved chargebacks or disputes	dispute_count = 0
Minimum Balance	Available balance meets threshold	available_balance >= threshold

Eligibility Check Flow

Payout Request Initiated
        |
        v
Is KYC status APPROVED?
        |
    No -+-> Reject: "KYC verification required"
        |
    Yes v
        |
Is partner status ACTIVE?
        |
    No -+-> Reject: "Account not in good standing"
        |
    Yes v
        |
Are there pending disputes?
        |
    Yes +-> Reject: "Pending disputes must be resolved"
        |
    No  v
        |
Is available_balance >= minimum_threshold?
        |
    No -+-> Reject: "Minimum payout threshold not met"
        |
    Yes v
        |
Does partner have valid payout method?
        |
    No -+-> Reject: "Payout method required"
        |
    Yes v
        |
Is there an existing pending payout?
        |
    Yes +-> Reject: "Pending payout already exists"
        |
    No  v
        |
Proceed with Payout Request

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Minimum Payout Threshold

Currency	Minimum Amount	Notes
RUB	1,000	Standard minimum

Rules:

• Partners cannot request payouts below the minimum threshold
• Partial payouts above minimum are allowed
• Balance below minimum remains in account until threshold is reached

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Maximum Payout Limits

Per-Request Limits

Partner Tenure	Maximum Per Request	Notes
0-3 months	50,000 RUB	New partner limit
3-6 months	150,000 RUB	Established partner
6-12 months	500,000 RUB	Senior partner
12+ months	1,000,000 RUB	Veteran partner

Daily Limits

Limit Type	Amount	Notes
Per Partner	1,000,000 RUB	Maximum daily payout per partner
Platform Total	50,000,000 RUB	Platform-wide daily cap

Monthly Limits

Limit Type	Amount	Notes
Per Partner	5,000,000 RUB	Maximum monthly payout per partner
Platform Total	500,000,000 RUB	Platform-wide monthly cap

When Limits Are Exceeded:

• Request is queued for the next available period
• Partner is notified of the delay
• No partial processing (full amount processed when available)

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Payout Methods

Bank Transfer

Attribute	Details
Method Code	BANK_TRANSFER
Processing Time	1-3 business days
Minimum Amount	1,000 RUB
Maximum Amount	1,000,000 RUB per transaction

Required Information:

• Full legal name (must match KYC)
• Bank name
• BIK (Bank Identifier Code)
• Account number (20 digits)
• Correspondent account

Validation Rules:

• Account holder name must match partner's verified name
• BIK must be valid Russian bank code
• Account number must pass checksum validation

E-Wallet

Attribute	Details
Method Code	EWALLET
Processing Time	1-24 hours
Minimum Amount	1,000 RUB
Maximum Amount	500,000 RUB per transaction

Supported Providers:

Provider	Code	Requirements
YooMoney	YOOMONEY	Wallet ID (15 digits)
QIWI	QIWI	Phone number (Russian)
WebMoney	WEBMONEY	WMID + R-purse

Validation Rules:

• Wallet must be identified (verified) for amounts over 15,000 RUB
• Phone number must match partner's verified phone (QIWI)

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Payout Fees

Fee Structure by Method

Method	Fee Type	Amount	Minimum Fee	Maximum Fee
Bank Transfer	Percentage	0%	0 RUB	0 RUB
YooMoney	Percentage	3%	50 RUB	5,000 RUB
QIWI	Percentage	2%	50 RUB	3,000 RUB
WebMoney	Percentage	0.8%	50 RUB	1,500 RUB

Fee Calculation Examples

Example 1: Bank Transfer (10,000 RUB)

Requested Amount: 10,000 RUB
Fee: 0%
Amount Received: 10,000 RUB

Example 2: YooMoney (50,000 RUB)

Requested Amount: 50,000 RUB
Calculated Fee: 50,000 * 0.03 = 1,500 RUB
Amount Received: 48,500 RUB

Example 3: QIWI (200,000 RUB)

Requested Amount: 200,000 RUB
Calculated Fee: 200,000 * 0.02 = 4,000 RUB
Maximum Fee Cap: 3,000 RUB
Actual Fee: 3,000 RUB (capped)
Amount Received: 197,000 RUB

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Processing Schedule

Standard Processing Windows

Day	Processing Time	Payout Types
Monday	10:00-18:00 MSK	Bank Transfer, E-Wallet
Tuesday	10:00-18:00 MSK	Bank Transfer, E-Wallet
Wednesday	10:00-18:00 MSK	Bank Transfer, E-Wallet
Thursday	10:00-18:00 MSK	Bank Transfer, E-Wallet
Friday	10:00-16:00 MSK	Bank Transfer, E-Wallet
Saturday	Not Processed	Queued for Monday
Sunday	Not Processed	Queued for Monday

Processing Priority

Priority	Criteria	Processing Time
High	Top Leader rank, amount < 100,000 RUB	Same day
Normal	Active partner, standard request	1-2 business days
Manual Review	Amount > 500,000 RUB or flagged	2-5 business days

Batch Processing

Aspect	Details
Batch Frequency	Every 4 hours during processing windows
Batch Size	Maximum 1,000 payouts per batch
Processing Order	FIFO (First In, First Out) within priority level

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Payout Request Limits

Concurrent Request Limit

Rule	Details
Pending Requests	Maximum 1 pending request at a time
Status Check	Request must be COMPLETED, REJECTED, or CANCELLED before new request

Request Frequency

Period	Maximum Requests
Daily	3 requests
Weekly	10 requests
Monthly	20 requests

Note: Rejected or cancelled requests count toward the limit.

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Tax Withholding Rules

Tax Requirements

Partner Type	Tax Treatment	Rate
Individual (Russian)	Partner responsible for self-reporting	0% withheld
Individual (Non-Russian)	Platform withholds at source	30%
Legal Entity (Russian)	Invoice-based, no withholding	0% withheld

Documentation Requirements

Partner Type	Required Documents
Individual (Russian)	Passport, INN (Tax ID)
Individual (Non-Russian)	Passport, Tax residency certificate
Legal Entity	Registration certificate, Bank details, INN/KPP

Tax Information in Payout

Payout Details = {
  gross_amount: 10,000 RUB,
  withholding_tax: 0 RUB,      // Or calculated based on status
  fees: 0 RUB,
  net_amount: 10,000 RUB
}

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Required Payout Details

For Bank Transfer

Field	Required	Format	Validation
Account Holder Name	Yes	String, 2-100 chars	Must match KYC name
Bank Name	Yes	String	From approved bank list
BIK	Yes	9 digits	Checksum validation
Account Number	Yes	20 digits	Checksum validation
Correspondent Account	Yes	20 digits	Must match BIK
INN	Yes	10 or 12 digits	Checksum validation

For E-Wallet

Field	Required	Format	Validation
Wallet Provider	Yes	Enum	YOOMONEY, QIWI, WEBMONEY
Wallet ID	Yes	Provider-specific	Format validation
Account Holder Name	Yes	String	Must match KYC name

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Failed Payout Handling

Failure Reasons

Code	Reason	Recovery Action
INVALID_ACCOUNT	Bank account invalid or closed	Partner must update payment details
INSUFFICIENT_BANK_FUNDS	Bank processing issue	Automatic retry in 24 hours
NAME_MISMATCH	Account name does not match	Partner must verify payment details
LIMIT_EXCEEDED	Bank/wallet limit exceeded	Split into smaller amounts
PROVIDER_ERROR	Payment provider unavailable	Automatic retry in 4 hours
COMPLIANCE_HOLD	Flagged for compliance review	Manual review required

Retry Policy

Retry Attempt	Delay	Action
1st Retry	4 hours	Automatic
2nd Retry	24 hours	Automatic
3rd Retry	72 hours	Automatic
After 3 Failures	N/A	Payout cancelled, balance restored

Balance Restoration

When a payout fails permanently:

Failed Payout Process:
1. Payout status set to FAILED
2. Full amount restored to available_balance
3. Partner notified via email
4. Partner can request new payout immediately
5. Original failure logged for audit

Restoration Formula:

Restored Amount = Original Request Amount
Note: Fees are not deducted for failed payouts

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Payout Hold Conditions

Automatic Hold Triggers

Condition	Hold Duration	Resolution
First payout ever	24 hours	Manual review
Amount > 500,000 RUB	Until approved	Senior admin approval
3+ payouts in 24 hours	48 hours	Automatic release
Account recently suspended	7 days	Compliance review
Multiple failed payouts	Until verified	Payment method verification

Suspicious Activity Flags

Flag	Trigger	Action
Velocity	5+ requests in 1 hour	Hold + review
Amount Spike	Request > 10x average	Hold + review
Method Change	New method + large amount	Hold + verification
Geographic	Login from new country	Hold + verification

Hold Status Flow

Payout Request
      |
      v
Suspicious Activity Detected?
      |
  Yes +-> Status: HELD
      |       |
      |       v
      |   Compliance Review
      |       |
      |   +---+---+
      |   |       |
      |   v       v
      | APPROVED  REJECTED
      |   |       |
      |   v       v
      | Process   Cancel + Notify
      |
  No  v
      |
Normal Processing

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Payout Status Flow

Status Definitions

Status	Description	Next Actions
PENDING	Request submitted, awaiting review	Approve, Reject, Hold
APPROVED	Approved, queued for processing	Process, Cancel
PROCESSING	Being sent to payment provider	Complete, Fail
COMPLETED	Successfully processed	None (final)
REJECTED	Rejected by admin	None (final)
CANCELLED	Cancelled by partner or admin	None (final)
FAILED	Payment provider failure	Retry, Cancel
HELD	Under review	Release, Reject

Status Transition Diagram

                    +--------+
                    | PENDING|
                    +---+----+
                        |
         +--------------+--------------+
         |              |              |
         v              v              v
    +----+----+    +----+----+   +-----+-----+
    |APPROVED |    |REJECTED |   |   HELD    |
    +----+----+    +---------+   +-----+-----+
         |                             |
         v                       +-----+-----+
    +----+-----+                 |           |
    |PROCESSING|                 v           v
    +----+-----+            APPROVED    REJECTED
         |
    +----+----+
    |         |
    v         v
+---+----+ +--+---+
|COMPLETED| |FAILED|
+---------+ +--+---+
               |
               v
         Retry or Cancel

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Decision Tree: Payout Processing

Admin Reviews Payout Request
        |
        v
Is amount within partner's limit?
        |
    No -+-> Flag for senior review
        |
    Yes v
        |
Is payment method verified?
        |
    No -+-> Request verification
        |
    Yes v
        |
Any suspicious activity flags?
        |
    Yes +-> Place on HOLD for review
        |
    No  v
        |
Is amount > 500,000 RUB?
        |
    Yes +-> Require senior admin approval
        |
    No  v
        |
Is partner rank >= Manager?
        |
    Yes +-> Fast-track processing
        |
    No  v
        |
Standard processing queue

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Audit Requirements

Logged Information

Every payout action must log:

Field	Description
timestamp	Exact time of action
action_type	Request, Approve, Reject, Process, etc.
actor_id	User or system that performed action
partner_id	Partner receiving payout
amount	Payout amount
balance_before	Balance before action
balance_after	Balance after action
ip_address	IP address of request
reason	Reason for action (if applicable)

Retention Policy

Data Type	Retention Period
Payout records	7 years
Audit logs	10 years
Payment provider responses	5 years

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Related Documents

• Commission Rules
• Rank System Rules
• Financial Operations Guide
• MLM Database Schema