§VEYRA Bank & Payout Hub
Your money, from balance to bank, with no surprises.
Add several verified bank accounts, choose how often you are paid, and see exactly when each payout will arrive. Every payout is reconciled against the ledger automatically, and every change to where money goes is protected.
Working in sandbox with test IBANs. Live payouts after partner integration.
Total balance
€7,086.70
- Pending
- €1,284.50
- Captured, not yet settled by the provider
- Available
- €3,912.20
- Settled and ready for the next payout
- Reserved
- €250.00
- Held against refunds and disputes
- In transit
- €1,640.00
- Sent to your bank, not yet confirmed
- Bank accounts
- Several, one default per currency
- Schedules
- Daily · weekly · monthly · manual
- Reconciliation
- Automatic, entry by entry
- Status
- Working in sandbox
01From balance to bank
What happens to a payment after it succeeds.
- 01
Pending
The payment is captured but the provider has not settled it yet.
- 02
Available
Funds are settled and ready for your next payout, minus any reserve.
- 03
In transit
A payout has been sent to your bank and is travelling through the banking network.
- 04
Paid — confirmed by bank
The receiving bank confirmed the transfer, and the ledger marks it reconciled.
02Several verified accounts
One business, more than one bank.
Keep a euro account in Italy and a lei account in Romania. Each currency has a default destination, and every account is verified before it can receive a single cent.
- IBAN format and checksum validation on entry
- Account holder name check, using Verification of Payee where the receiving bank supports it
- Results in plain words: verified, needs review, or failed — with the reason
- One default account per currency, changeable with step-up authentication
- Atelier Lumen SRLIT60 X054 •••• 3456 · EURVerified · default
- Atelier Lumen SRLRO49 AAAA •••• 1000 · RONVerified
- Atelier LumenDE89 3704 •••• 3000 · EURName check — review
03Payout schedule
You choose the rhythm.
Only schedules our partners can actually honour are offered — we will not promise a speed the banking network cannot deliver.
Daily
Every business day, the available balance is sent automatically.
Weekly
Once a week, on the day you choose.
Monthly
Once a month, on a date you choose between the 1st and the 28th.
Manual
Nothing moves until you press “Pay out”. Useful while you are getting started.
- Mon 09:14Payment captured€120.00 from order #1042 is recorded as pending.
- Tue 06:00Settled by providerFunds become available in your balance.
- Tue 10:00Payout createdYour daily schedule sends the available balance.
- Tue 10:02On its way to your bankSEPA Credit Transfer to IT60 •••• 3456.
- Wed 09:30Paid — confirmed by bankReconciled automatically against the ledger.
04Payout timeline
“When will I get my money?” — answered on every payout.
Every payout shows its expected arrival date, calculated from the settlement calendar, bank holidays and the payment rail. When something changes, the timeline tells you why.
05Fees per payout
Fees you can see before you press the button.
The fee for each payout is shown before it is sent and written to the ledger as its own entry. Sample figures below are illustrative.
| Payout type | Illustrative fee | Typical arrival |
|---|---|---|
| SEPA payout (EUR) | €0.25 | 1 business day |
| Instant SEPA payout, where available | 1.00% of the payout | Seconds to minutes |
| Payout requiring currency conversion | €0.25 + 1.00% conversion | 1–2 business days |
06Automatic reconciliation
Every payout explains itself.
Open any payout and see the payments, refunds, fees and reserves it contains, line by line. The total always matches the amount your bank received, and the export matches your accounting software’s import format.
- Payout composition, entry by entry
- Status: unreconciled, matched, or needs attention
- CSV export per payout or per period
07Security controls on bank changes
Changing where money goes is the most sensitive action. We treat it that way.
Step-up authentication
Adding or changing a bank account asks for a fresh second factor, even if you are already signed in.
Security hold
Payouts to a newly added account are held for 24 hours, so an unexpected change can be stopped in time.
Everyone is told
All owners of the account receive a notification for every change of destination.
Two-person approval
Teams can require a second person to approve any new bank account — the maker-checker principle.
Full audit trail
Who changed what, when and from where, kept as an immutable entry.
?FAQ
Questions, answered
Why is my first payout held?
A new bank account receives payouts after a 24-hour security hold. It protects you if someone gains access to your account and tries to redirect your money.
What happens if a payout is returned?
The amount comes back to your available balance, the payout is marked returned with the bank’s reason, and you are asked to check the account details.
Can I be paid in lei and euro?
Yes, by adding a verified account in each currency. Converting between currencies is optional and its fee is shown before you confirm.
How do I test this?
Use test IBANs: an account number ending in 0000 fails, 1111 gives a name mismatch, 2222 needs review, 3333 is paid and then returned, and anything else succeeds.
Watch a test payout land.
Add the test IBAN DE89 3704 0044 0532 0130 00 and follow it from available to paid.