Payments and payouts

Advertisers prepay a wallet by bank transfer or cryptocurrency; publishers withdraw a balance by bank transfer. Every movement lands in the same ledger.

Everything is integer cents

There is no floating point anywhere in the money path. Amounts are stored as whole cents in EUR and only formatted for display. Where a share has to be split — the publisher's cut of an offer's revenue — it is rounded down, so the sum of payouts can never exceed the revenue that funded them.

Advertiser top-ups

Two methods, the same three states — initiate → pending → confirmed. Pick one when you ask for the amount; the next screen tells you how to pay.

SEPA bank transfer

1. Request an amount in the dashboard. It tells you the minimum that applies to your account.
2. We create a pending deposit with a unique reference code — TW-7K2M-4QP9.
3. We show the IBAN, BIC and account holder, plus an EPC QR code your banking app can scan to fill the whole transfer in.
4. You send the transfer, quoting the reference.
5. When it lands, staff match the reference and confirm. Your wallet is credited, a ledger row is written, and any offers paused for lack of funds resume automatically.

Timing

SEPA Credit Transfer settles in one business day; SEPA Instant in seconds where both banks support it. We credit within one business day of the money arriving. A deposit that is never paid expires after 14 days and can simply be recreated.

Cryptocurrency

1. Request an amount, priced in EUR like everything else here.
2. We open a hosted payment page and show you the link and a QR code for it.
3. Pick a coin there and send it from any wallet or exchange. The page quotes the coin amount at the rate of the moment and holds it for about an hour.
4. We credit your wallet as soon as the network confirms the payment — usually minutes, no person involved.

A payment page that lapses before you pay is not a lost top-up: reload the deposit in your dashboard and we issue a fresh one. Send the exact amount the page asks for — an underpayment leaves the invoice open rather than crediting part of it, and an overpayment is refundable but not automatic.

Publisher payouts

1. Add your IBAN and account holder under Payouts. The name must match the account or the bank will bounce the transfer.
2. Request a withdrawal once your available balance reaches your minimum — the figure is on your Payouts page.
3. The amount is locked immediately, so it cannot be requested twice while the first request is being processed.
4. Staff review and pay. The ledger records the payout and your balance drops on payment, not on request.

Only approved earnings can be withdrawn. Anything still inside its hold period shows as pending and is excluded from the available figure.

Fees

No fee on a SEPA transfer in either direction — Trovewall absorbs it. Your bank may charge you for a transfer it sends; that is between you and them. Cryptocurrency carries the processing fee shown next to the method when you choose it, taken from the amount credited rather than added to what you send, and network fees are your wallet's business.

The ledger

Every movement is one row carrying its type, its amount and the resulting balance. Nothing is ever edited or deleted, so a balance can always be re-derived by replaying the history — and any disagreement between the replay and the cached figure is surfaced rather than quietly corrected.

Other payment methods

The payment layer is a gateway interface plus a registry: a provider is a single file in .inc/payments/ declaring what it supports and how it initiates and confirms. SEPA came first because it is what a European offer provider actually needs — no card fees, high limits, and advertisers who prepay in the thousands; cryptocurrency came second because it works from everywhere SEPA does not. Both are the same initiate → pending → confirmed shape; the only difference is whether the confirmation is a webhook or a person. Cards would fit it too.