> ## 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. # Payouts > Move your earnings from Macropay to your bank on your schedule — no payout fee, free ACH and SEPA. As your Merchant of Record, Macropay collects from customers, remits the sales tax and VAT worldwide, and settles the net into your Macropay balance. A **payout** is how that balance lands in your bank: we wire it from our account straight to yours. There's no payout fee — you keep what's in the balance, minus only the pass-through cost of the rail. We route each payout over the cheapest rail your account supports: * **ACH** for US bank accounts — free * **SEPA** for Eurozone accounts — free * **SWIFT** for everywhere else — bank cost passed through at cost For the full list of supported rails and how to connect an account, see [Payout Accounts](/features/finance/accounts). ## You decide when to withdraw Payouts are merchant-initiated, not automatic. That's deliberate: * **Cleaner books.** Batching a month of sales into one transfer beats reconciling dozens of trickle payments. * **Cost control.** International wires carry a fixed cost, so you choose when it's worth pulling funds versus letting the balance build. You can issue a withdrawal any time your balance clears the minimum threshold for its currency. ## Minimum payout thresholds Each currency has a floor. Low-cost currencies sit near the default; others are higher so a cross-border wire fee doesn't swallow the payout. These limits can change over time. | Currency | Minimum balance (USD) | | ---------------- | --------------------- | | USD | \$10.00 | | EUR | \$13.00 | | GBP | \$15.00 | | CHF | \$15.00 | | AOA | \$30.00 | | ALL | \$40.00 | | AMD | \$40.00 | | AZN | \$40.00 | | BAM | \$40.00 | | BOB | \$40.00 | | BTN | \$40.00 | | CLP | \$40.00 | | GMD | \$40.00 | | GYD | \$40.00 | | KHR | \$40.00 | | KRW | \$40.00 | | LAK | \$40.00 | | MDL | \$40.00 | | MGA | \$40.00 | | MKD | \$40.00 | | MNT | \$40.00 | | MYR | \$40.00 | | MZN | \$40.00 | | NAD | \$40.00 | | PYG | \$40.00 | | RSD | \$40.00 | | THB | \$40.00 | | TWD | \$40.00 | | UZS | \$40.00 | | COP | \$50.00 | | Other currencies | \$10.00 (default) | ## What it costs Macropay never adds a payout fee. The only charge you'll ever see is the bank's own cost, passed straight through: | Rail | Pass-through cost | | -------------------------- | ---------------------------------------------------- | | ACH (US) | Free | | SEPA (Eurozone) | Free at most banks; a few charge a small flat fee | | SWIFT / international wire | $5–$25, depending on corridor and intermediary banks | | Currency conversion | Prevailing bank FX rate, typically a 0.25–1% spread | When a wire deducts a fee, you'll see the exact amount on the payout summary, so the number that leaves Macropay always reconciles with the number that hits your bank. ## Reverse invoices for your accounting Because Macropay is the Merchant of Record, your customers receive an invoice from **Macropay**, not from you — that's what lets us shoulder the tax and compliance. For your own books, the flip side is that you invoice Macropay for what we paid out to you. To keep that effortless, we generate the **reverse invoice** automatically: a document that lists the sales we made on your behalf, less our fees, ready for your records. Open the **Payouts** page under **Finance** in your dashboard, click the ellipsis next to the payout, and choose **Download invoice**. A modal opens where you can: * Set your billing name and address. * Add a line of detail beneath the billing address. * Add notes for the bottom of the invoice. * Customize the invoice number. We default to a sequence like `MACROPAY-0001`, but you can swap in your own format and numbering. A reverse invoice is final once generated — it can't be edited afterward. Double-check every field before you create it. ### Sample reverse invoice