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

# Payouts & Withdrawals

> How to withdraw your referral earnings via PayPal, Wise, crypto, bank transfer, or wire

## Payout Methods

Migma supports multiple payout methods so you can withdraw your referral earnings however you prefer.

<CardGroup cols={3}>
  <Card title="PayPal" icon="paypal">
    Fast payouts to your PayPal account. Available worldwide.
  </Card>

  <Card title="Wise" icon="globe">
    Low-fee international transfers via Wise (formerly TransferWise). Ideal for non-US referrers.
  </Card>

  <Card title="Crypto" icon="bitcoin">
    Withdraw in cryptocurrency (USDC, USDT, or BTC).
  </Card>

  <Card title="Local Bank Transfer" icon="building-columns">
    Direct deposit to your local bank account via ACH (US) or local rails.
  </Card>

  <Card title="Wire / SWIFT" icon="money-bill-transfer">
    International wire transfer via SWIFT. Best for larger payouts.
  </Card>
</CardGroup>

***

## Setting Up Your Payout Method

<Steps>
  <Step title="Go to your partner portal">
    When you become a referrer on Migma, you'll receive access to your **partner portal** — a dedicated dashboard where you manage your referral earnings. You can access it from [migma.ai/referral](https://migma.ai/referral).
  </Step>

  <Step title="Navigate to payout settings">
    In your partner portal, go to **Settings** → **Payout method** and select your preferred withdrawal method.
  </Step>

  <Step title="Enter your details">
    Provide the required information for your chosen payout method:

    * **PayPal**: Your PayPal email address
    * **Wise**: Your Wise email or account details
    * **Crypto**: Your wallet address and preferred currency (USDC, USDT, or BTC)
    * **Local bank**: Your bank account number, routing number, and bank name
    * **Wire/SWIFT**: Your IBAN or account number, SWIFT/BIC code, and bank details
  </Step>

  <Step title="Verify and save">
    Double-check your details and save. Payouts will be sent to this method going forward.
  </Step>
</Steps>

***

## Payout Schedule

| Detail                  | Info                                                           |
| ----------------------- | -------------------------------------------------------------- |
| **Frequency**           | Monthly                                                        |
| **Payout date**         | Within the first 15 days of each month                         |
| **Minimum threshold**   | \$50 (commissions accumulate until threshold is met)           |
| **Commission approval** | Auto-approved when generated                                   |
| **Currency**            | USD (converted to your local currency by your payout provider) |

<Info>
  Commissions are tracked in real-time. You can see pending and approved commissions on your referral dashboard at [migma.ai/referral](https://migma.ai/referral).
</Info>

***

## Commission Lifecycle

Here's what happens from referral to payout:

<Steps>
  <Step title="Referral signs up">
    Someone clicks your referral link, creates an account, and starts a paid subscription. A commission is generated.
  </Step>

  <Step title="Commission auto-approved">
    The commission is automatically approved when generated — no waiting period.
  </Step>

  <Step title="Recurring payments">
    Every time your referral renews their subscription (monthly or annually), a new 30% commission is generated and auto-approved.
  </Step>

  <Step title="Monthly payout">
    At the end of each month, all approved commissions above the minimum threshold are paid out via your chosen payout method.
  </Step>
</Steps>

***

## Taxes & Reporting

<Warning>
  You are responsible for reporting referral income in your tax jurisdiction. Migma does not withhold taxes on commission payouts.
</Warning>

* Commissions are paid in **USD**
* If you earn more than **\$600/year** (US) or equivalent, you may be required to provide a W-9 (US) or W-8BEN (non-US) form
* Keep records of your payouts for tax reporting purposes

***

## Need Help?

If you have questions about payouts or need to update your payout method, contact us at [support@migma.ai](mailto:support@migma.ai) or use the live chat on [migma.ai](https://migma.ai).