⏱️ The short version
Account | Approval | Arrival |
Standard | Up to 4 business days, often much sooner | 1 to 2 business days after approval |
Premium, in a supported country | Priority | Every gift is a Lightning payout automatically |
🔄 How a payout moves
A gift is purchased and lands in your balance as Pending
It becomes Available once it clears
You request a withdrawal and it is scheduled
We approve and send it
Your bank posts it
Approval is dynamic. Four business days is the outer limit, not the target, and most standard payouts clear well before that.
Lightning payout gifts skip the line: Wishgain sends them with priority, ahead of standard payouts. Supporters can add Lightning payout at checkout, and every gift to a Premium member is a Lightning payout automatically, even if the supporter did not select it.
With Wishgain Pay in the United States, a Lightning payout is sent to your bank right away when reserve funds are available. With Stripe Connect or a MassPay e-wallet, the transfer to your Stripe account or e-wallet is sent right away, and the time Stripe or MassPay then need to move it on to you can vary. See Lightning Payout.
💰 Fees
Payout route | Transfer fee | Paid by |
Wishgain Pay to your bank | Free | Wishgain |
Stripe to your bank | Free | Wishgain |
MassPay e-wallet | Deducted from the transfer | You |
E-wallets carry a higher fraud risk than bank transfers, so for security reasons we do not cover their fees. Cash out to your bank to avoid them.
🕐 New bank accounts
A newly added bank account has a 24-hour hold before it can be withdrawn to. This is a security measure that protects you if someone ever gains access to your account.