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Wallet and payouts

Fund the prepaid wallet that pays your creators, read available and reserved balance, withdraw unused money, and see when and how creators get paid.

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Your wallet is a prepaid creator budget. You top it up, and each time a creator brings you a verified purchase, InfluTo reserves the commission and the 10% platform fee from it. On the 1st of each month the reserved commission is paid out to creators through Stripe. Money you haven't used stays yours and can be withdrawn.

Add funds

Open Billing → Add Funds

In the sidebar, click Billing. The page is titled Billing & Wallet.

Enter the amount

Enter the Amount (USD). The minimum deposit is $50.

Pay with Stripe

Click Continue to Payment and pay on Stripe's checkout page. The balance updates as soon as Stripe confirms the payment, and the deposit appears on the Deposits tab with its receipt.

Deposits are in US dollars. There is no automatic top-up.

Available and reserved balance

Figure Meaning
Available Balance Money you've deposited that isn't committed to creators yet.
Reserved Balance Commission and platform fee for verified purchases, held until the next monthly payout. Already taken out of your available balance.
Lifetime Deposited Everything you've added.
Lifetime Spent Everything that has left the wallet: commissions paid to creators and InfluTo's fee.

Wallet Health at the top of the page estimates how many days your balance lasts at your recent spending rate, and Usage Predictions shows the daily burn rate and a 30-day projection.

What needs a funded wallet

Action Requirement
Activate a campaign At least $50 that isn't reserved for pending commissions
Send email invitations The same $50
Invite creators from the marketplace One open invitation per $20 that isn't reserved
Each verified purchase by a referred user Commission + 10% fee reserved — see Commissions and fees
Milestone bonuses Taken from the wallet at the payout run

When an action needs more money, the dashboard asks you to add funds; the API answers HTTP 402.

When the balance runs low

  • If your wallet can no longer cover pending commissions, InfluTo pauses your active campaigns. As with a manual pause, purchases by referred users still earn commission for 72 hours, and referral links keep working.
  • After you top up, resume each campaign yourself with Resume Campaign on its page. Campaigns don't restart on their own.
  • There's no low-balance warning email. Watch Wallet Health on the Billing page.
  • If a verified purchase arrives that the wallet can't cover, the creator's commission is still recorded, and your organization's owners and admins get an email about it (at most one a day). If the money still isn't there at payout time, the payout is retried daily for up to 30 days, so topping up lets it through.

Withdraw unused funds

Click Withdraw Funds, enter an amount and confirm. The money is refunded to the payment method you deposited with — newest deposit first — so no bank connection is needed. Card refunds can take several business days to show up on your statement.

You can withdraw only when:

  • no campaign is active (pause them first),
  • nothing is reserved for pending commissions (reserved money clears at the monthly payout),
  • there are no commissions in flight from recent referral clicks,
  • no milestone bonuses are waiting for review or payout.

Only money that came in through Stripe can be refunded this way. For anything else, email hello@influ.to.

Automatic refund of an unused wallet

If you fund the wallet and never use it — nothing spent, nothing reserved and no active campaign — InfluTo emails you a reminder 23 days after your most recent deposit and refunds every deposit to its original payment method on day 30. Once any money has been spent or a campaign is active, this no longer applies; withdraw manually instead.

Receipts and exports

  • Deposits tab — every deposit with a Receipt link to Stripe's receipt.
  • Billing details — your company or legal name, VAT or tax ID and address, used on your billing documents.
  • Export CSV — the last 12 months of wallet transactions: date (UTC), type, description, amount, balance after and currency.

How creators get paid
When On the 1st of each month at 01:00 UTC, InfluTo creates payouts for the previous calendar month.
Minimum $20. Smaller balances roll over to the next month.
How Stripe Connect transfers in USD. Creators complete Stripe's identity checks once.
Where Creators in 33 countries: the United States, Canada, the United Kingdom, Switzerland, Norway, Liechtenstein and the 27 EU countries.
What's included Commission for the month, approved milestone bonuses, minus clawbacks for refunds of commissions already paid.
  • A creator who hasn't finished Stripe onboarding isn't paid yet; their earnings carry over to a later run.
  • Failed transfers are retried automatically: when your wallet is short, once a day for up to 30 days; for temporary Stripe errors, with increasing gaps.
  • The Payouts page lists every payout with the creator, period, conversions, commission, platform fee and total cost, plus Failed and Processing tabs.

For AI agents

Agents can see the wallet but never move money. influto_get_wallet returns the balance, the reserved amount, safe_available (available minus reserved), whether you can activate campaigns, and your remaining invitation capacity. When an activation or invitation returns 402, influto_get_wallet_topup_link gives you a link to the Billing page, where you finish the payment yourself while signed in. See Agent tools.

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