Payout Policy

To receive automated payouts, Whisperers™ must satisfy the following criteria: (a) A verified email address and registered profile; (b) Maintain a TrustScore™ of 80 or above; (c) Maintain a customer satisfaction rate of at least 75%; (d) Account age of at least 30 active platform days; (e) Location within a supported payout territory. Verification procedures ensure platform stability and protect businesses against simulated referral traffic.

Earned commissions are held in a pending escrow state for 14 days following referral conversion confirmation. This window accounts for merchant refund cycles, chargebacks, and anti-fraud auditing. Upon clearance of the 14-day hold, funds transition to verified balance. Standard payouts are processed within 48 hours; Whisperer Pro members benefit from accelerated 24-hour transfers.

Payout methods vary dynamically depending on the Whisperer’s jurisdiction and are configured via the Earnings dashboard once identity verification is complete. Supported disbursement methods include: (a) Local bank ACH/SEPA wire transfers; (b) Mobile Money networks (Orange Money, MTN, M-Pesa, Wave); and (c) Supported digital stable rails. New rails are continually onboarded. If your territory lacks an active local rail, earnings safely accumulate in your escrow balance without expiration.

A minimum threshold applies prior to initiating automated transfer requests. Threshold values depend on network fees of the selected payout channel (e.g., $20 USD for digital rails, $50 USD for cross-border bank wire) and are displayed inside the Whisperer Earnings portal. Balances below threshold roll forward indefinitely until satisfied.

In compliance with international FinCEN, AML (Anti-Money Laundering), and OFAC sanctions standards, identity verification (KYC) is required prior to processing your first payout. Whispertise™ maintains strict verification standards. Whisperers may initiate an eligibility review at any time by contacting our compliance desk at payouts@whispertise.com.

Whisperers are independent contractors and retain exclusive responsibility for reporting and remitting applicable local and national taxes on referral income. For US-based Whisperers exceeding federal reporting thresholds, Whispertise™ issues Form 1099-NEC. Please consult a qualified tax professional regarding your individual reporting requirements.

Commissions are subject to automatic reversal if: (a) The underlying merchant transaction is cancelled, returned, or disputed by the customer within the 14-day verification window; (b) Prohibited self-referral is detected; or (c) Fraudulent interaction is confirmed. Reversed balances are deducted from pending earnings. If pending funds are insufficient, the deficit offsets against future earned referral conversions.

Accounts that remain inactive with unclaimed balances for twenty-four (24) consecutive months are classified as dormant. Whispertise™ provides notice via registered email prior to initiating any statutory unclaimed-property procedures as dictated by Arizona and applicable state escheatment regulations.

Whispertise™ reserves the right to revise payout methods, processing frequencies, and threshold configurations to reflect evolving banking partnerships and regulatory developments. Key adjustments are announced via email notices and updated in real-time on this page.

For inquiries regarding pending payout clearance, rail configuration, or verification status, reach our dedicated payouts department directly at payouts@whispertise.com.