← Money
When the money actually reaches your bank
How payouts work, why there's a delay, and where to look when something's missing.
Client payments — invoices, print orders, paid downloads — land in your Stripe account, then Stripe pays out to your bank on its own schedule. LumiHQ never holds your money, which is also why we can't speed a payout up.
The usual timing
- Card payment succeeds — the client is charged immediately.
- Stripe holds it briefly, then pays out on your schedule (commonly a couple of business days in Australia).
- Brand new accounts wait longer for their first payout — typically 7–14 days. This is Stripe's fraud control on every new account and it settles down after the first one.
Where to look
| Question | Where to look |
|---|---|
| Did the client pay? | The invoice or order in LumiHQ |
| When is it paid out? | Your Stripe dashboard → Payouts |
| Why is my account restricted? | Stripe dashboard → the requirements banner |
| What did I earn this month? | Money → Revenue |
Careful
If Stripe shows your account as restricted, payouts stop even though payments keep succeeding. It's nearly always an unfinished verification step. See Stripe won't connect.
Note
Stripe's card fee comes out of each payment before payout, so the deposit will be a little under the invoice total. That's a Stripe fee, not a LumiHQ commission — we don't take a cut of your sales.