How does the payment schedule and advance payout for credit card sales work?

At Hotmart, you have the flexibility to choose when you get paid for credit card sales. You can opt for the standard payment schedule or accelerate your earnings through our advance payout option. Even for installment purchases, you can decide to receive the payout more quickly to suit your business needs, without having to wait for each installment.

The payouts you receive in advance can be used for a variety of purposes, such as reinvesting in your business, boosting your marketing campaigns, covering daily expenses, or hiring additional staff to support new launches. This allows you to maintain a healthy cash flow and drive your business growth.

In this article, we'll provide detailed information on the available payment schedules for your sales, explaining how they work and how to view your payment history. To help you navigate the article easily, we've created a clickable index that takes you directly to the section you're interested in:

• How do payment schedules work?
• Learn about the different payment schedules
• How to check which payment schedule is available in my account?
• How do advance payouts work?

Important! There are specific requirements to access different payment schedules. Please review each one below:

1. Eligibility: To access this feature, your account undergoes a preliminary analysis using internal algorithms.
2. Currency and location: This feature is available only to users selling in Brazilian Reais (BRL) and who are registered in Brazil.
3. Minimum sales: You must have completed at least two credit card sales in Brazilian Reais (BRL).

Please note that the flexibility to choose your preferred payment schedule applies only to credit card sales. For information on when sales payouts from Pix, boleto, and Hotmart balance will be available for withdrawal, please refer to this article.

How do payment schedules work?

Currently, Hotmart offers three payment schedule options for Brazilian users: 2 days, 14 days, and 30 days (standard).

By selecting the 2-day or 14-day payment schedule, you can receive 90% of your total credit card sales within your chosen timeframe. The remaining 10% is held in your balance to cover potential adjustments such as refunds and chargebacks. This 10% will be available for withdrawal within 30 days.

❯ What are the advance payout options? 

Understanding the benefits of faster payouts for your digital business, below you'll find the available options:

2-day or 14-day payment schedule with fee

You can automatically configure your credit card sales to be deposited into your account every 2 or 14 days. 

By setting this automatic payment schedule, 90% of the total amount from credit card sales will be available for withdrawal within the timeframe you choose. The fee for this advance payout is 3.21% for a 2-day payout or 1.79% for a 14-day payout.

To set this up, simply follow these steps:

1. Log in to the platform at https://app.hotmart.com/.
2. Access My account by clicking on your profile picture in the upper-right corner.
3. On the next screen, click on Financial information.
4. Select your desired payment schedule.

Click here to view frequently asked questions about the 2-day and 14-day payment schedules with fee.

1. Can I change the payment schedule I’ve selected?
Yes. If you change your payment schedule, you'll need to wait 30 days before making another change. Please note that whenever you select a shorter payment schedule than your current one, all future sales will be subject to the newly selected payment schedule.

2. I’ve selected a new payment schedule, but my statement doesn't show the payout transactions. Why is this happening?
This can occur because the system calculates the amount available for advance payout by considering the user's entire transaction history, summing up all card sales and deducting any previously advanced amounts, as well as taking into account other transactions such as refunds and chargebacks. This calculation is performed automatically by the system to identify which sales can be advanced. In cases where no advancements are available, new card sales must be made, and the system must be allowed time to perform new evaluations before additional automatic advancements can be released. Another possible reason is that payments are processed at the end of the day. So, if the report or statement is accessed before the payment is finalized, it will not yet be shown.

3. What about sales that have already been made and are nearing their original payment schedule?
In this case, the payouts will also be advanced, but the fees will be proportional to the number of days advanced for each individual sale.

4. Will my subscription sales and sales recovery be included in the payouts?
Yes, as long as they are made via credit card.

5. I’ve selected my payment schedule, but I need to make a withdrawal with the Flexible Advance. Is this possible?
Yes, as long as you have selected the automatic payout options of 14 or 30 days (standard).

6. Why can't I see the 14-day payment schedule?
If you are unable to locate the 14-day payment schedule option, it may indicate that you are currently viewing the 2-day payment schedule with fee charged to the buyer, an option that is available to only certain users.

2-day payment schedule with fee charged to the buyer

Another option is to activate the 2-day payment schedule with a fee charged to the buyer. This option allows you to include the advance payment fee within the installment fee of your product. In other words, the advance payout fee will not be charged separately as it is already incorporated into the installment fee, which will increase from 2.89% to 3.89%. 

This means that if, when pricing your product, you choose the option to pass on the installment fee to the customer, you will not pay directly for this advance payout.

Click here to view frequently asked questions about the 2-day payment schedule with a fee charged to the buyer.

1. What is the minimum commitment period for the 2-day payment schedule with a fee charged to the buyer?
If you wish to change your payment schedule, you will need to wait 30 days before making another change.

2. Do I need to make any changes to my product when I choose the 2-day payment schedule with a fee charged to the buyer?
As the fees are included in this option, the monthly installment value of your product will be adjusted. You should pay attention to your promotional materials, considering the new installment values.
Use our installment calculator [available only in Portuguese] to find out what the new value will be, considering the installment fee of 3.89%.

3. Is this payment schedule available to all Hotmart customers?
Currently, this payment schedule is available only to certain users.

Important: Affiliates and cocreators will always receive their sales payouts within the timeframe selected by the product creator. For example, if the creator has selected the 2-day payment schedule with a fee in their account, affiliates and cocreators will receive their sales within this timeframe.

❯ How to check which payment schedule is available in my account?

If the 2-day payment schedule with fee is available for your account, you will see three automatic payment schedule options following the steps above (My account > Financial information). These options may be 30 days (standard), 14 days, and 2 days (without the advance payout fee included in the installment fee).

If the 2-day payment schedule with a fee charged to the buyer is available for your account, you will only see the 30-day (standard) and 2-day (with the advance payout fee included in the installment fee) options.

If you wish to change the available options for your account, please contact our support team by clicking the blue Contact us button at the end of this article.

How do advance payouts work?

The Flexible Advance Payout is Hotmart's option for those who want complete freedom to choose when to receive their credit card sales payouts. The fee for this payout option is 3.99%.

Flexible Advance Payouts will only be available if you have selected the 14-day or 30-day (standard) payment schedule. This means that users with a 2-day payment schedule for sales payouts will not be able to use Flexible Advance Payout.

To receive your payouts using the Flexible Advance Payout, simply follow the instructions below:

1. Log in to Hotmart through the link https://app.hotmart.com/.
2. In the left-hand menu, click on Sales.
3. Click on Balance and then Request advance payout.
4. On the new screen, you will be able to see the Total amount available for withdrawal and the Total amount available for advance. Select the second option.
5. Fill in the field with the amount you want to withdraw and check the total amount you will receive, after deductions and fees.
6. After verifying all information, click on Request advance payout.
7. You can check the advance payouts requested in the History of advance payouts.