> ## Documentation Index
> Fetch the complete documentation index at: https://docs.macropay.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Setup a Payout Account

> Register the bank account Macropay pays you into — ACH, SEPA, or SWIFT — and clear KYC once to unlock payouts.

Macropay is your [Merchant of Record](/merchant-of-record/introduction): we sell to your customers, collect the money, and remit sales tax and VAT on your behalf. What's left is **your money** — and a payout account is how it reaches you. Register one bank account, verify your identity once, and every future payout (subscription revenue, one-time sales, usage and agent billing alike) settles automatically.

<img className="block dark:hidden" src="https://mintcdn.com/macrodeepinc/S4T0jM7ZWV5HVLft/assets/features/finance/accounts/onboarding.light.jpeg?fit=max&auto=format&n=S4T0jM7ZWV5HVLft&q=85&s=106fdb967a5265fb550250571f89cb50" width="1764" height="122" data-path="assets/features/finance/accounts/onboarding.light.jpeg" />

<img className="hidden dark:block" src="https://mintcdn.com/macrodeepinc/S4T0jM7ZWV5HVLft/assets/features/finance/accounts/onboarding.dark.jpeg?fit=max&auto=format&n=S4T0jM7ZWV5HVLft&q=85&s=d1dface365a6782b1a5652264c6781c0" width="1764" height="124" data-path="assets/features/finance/accounts/onboarding.dark.jpeg" />

<Tip>
  Set this up *before* your first sale. KYC review can take time, and a verified account means your earnings are never held waiting on paperwork.
</Tip>

## Add your bank account

<Steps>
  <Step title="Open Finance">
    Head to the **Finance** page in your [dashboard](https://app.macropay.ai).
  </Step>

  <Step title="Start setup">
    In the **Payout Account** card, click **Setup**.
  </Step>

  <Step title="Enter your details">
    Choose your country and fill in your bank details. The form selects the correct payout rail automatically based on where you bank.
  </Step>
</Steps>

You only do this once. After the account is saved and verified, payouts flow on your configured schedule with no further action.

## Pick the right rail

Macropay settles to three payout networks. You never choose manually — the country you select drives which fields appear.

| Rail      | Where it's used | What you'll enter                               |
| --------- | --------------- | ----------------------------------------------- |
| **ACH**   | United States   | 9-digit routing number, account number          |
| **SEPA**  | Eurozone & UK   | IBAN, account holder name                       |
| **SWIFT** | Everywhere else | IBAN or account number, SWIFT/BIC, bank address |

<Note>
  ACH and SEPA payouts are **free**. SWIFT is passed through at cost — there's no Macropay markup on the wire fee.
</Note>

### How your details are protected

* Bank credentials are **encrypted at rest**.
* Payouts originate from **Macropay's own bank account** via MoR bank wire — as the seller of record, we move the funds to you directly.
* Your banking details are **never shared with the card networks or our payment processors**. Card data, separately, is handled in a **PCI DSS Level 1 compliant** tokenized vault.

## Verify your identity (KYC)

Once your bank account is on file, you'll complete a two-stage Know Your Customer check. This is a compliance requirement for any MoR platform that holds and disburses funds on your behalf.

<Steps>
  <Step title="Automated check">
    A quick ID-plus-selfie verification handled by our identity-verification provider. Most accounts clear in **under a minute**.
  </Step>

  <Step title="Document review">
    Upload supporting documents — government ID, business registration, proof of address, and tax certificate. Our compliance team reviews these manually.
  </Step>
</Steps>

<Warning>
  Both stages must pass before your **first payout is released**. Completing KYC early avoids any delay between earning revenue and receiving it.
</Warning>

For the full timeline, document requirements, and what triggers a manual review, see [Account reviews](/merchant-of-record/account-reviews).

## What happens next

With a verified payout account in place:

* Your share of every order is collected by Macropay, with tax and VAT already remitted on your behalf.
* The remaining balance accrues to your account — track it on the [Payouts](/features/finance/payouts) page.
* Funds settle to your bank on your payout schedule, over ACH, SEPA, or SWIFT.

<Check>
  One account, one KYC review — and revenue from products, subscriptions, metered usage, and agent billing all pays out the same way.
</Check>