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How does Clickbank pay you?

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As a ClickBank affiliate or vendor, you’ll receive regular payments for your business. But do you know how Clickbank pay its affiliates and vendors?


Okay, this post will tell you about the methods and schedules used by Clickbank for these payments.

To do so, we will use the following sub titles:

  • Methods of Payment
  • Amounts Paid
  • Schedule of Payment
  • Customer Distribution Requirement
  • Viewing Your Payments
  • Submitting Tax Forms
  • FMI (Frequently Met Issues)

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Methods of Payment

Clickbank uses the following methods to pay you:

  • Check
  • Direct Deposit
  • Wire Transfer
  • Payoneer

While you can choose only one of them, you’re free to switch between the payment methods. But when you do so, it may take up to a week for the new payment method to take effect.

Also, when you change your email address and/or password, for security reasons you cannot change your payment method for seven days.

N.B.: – Payments are effected only to the payee name you have listed in your account.

Now, let’s look at the payment methods in some detail:

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This is the default payment option whereby Clickbank mail a paper check to the address listed in your account. 

When paper U.S. checks are over $5,000, Clickbank send them to you at their own expense by U.S. Priority Mail wherever possible. However they send paper U.S. checks over $10,000 overnight via FedEx wherever possible.

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Direct Deposit

For affiliates located in the US and select countries, Clickbank lets you supply your bank account information for direct transfer. 

Should such a transfer be returned to Clickbank due to invalid banking information, the payments will be re-sent to you via paper check. Your account payment method will then be switched to paper check until you provide your accurate banking information.

Should you need to contact ClickBank Accounting about the details of your returned direct deposits, just send your request through their Account Questions form with the period ending date, the amount, and your nickname.

US Direct Deposit: Direct deposits of your ClickBank account payment to U.S. bank accounts are made free of extra charge. They may take 1-2 business days to reach your account, but many are received on the same day.

International Direct Deposit (XACH): ClickBank use this for direct deposit of your ClickBank account payments into some international bank accounts, free of any extra charge. It is both fast and reliable as a method for direct deposit of your account payments in your local currency.

Want to know if your country is currently supported for this payment method? Then click Accounting Policy page.

Didn’t find your country on the list? Then you may be eligible to receive payments by wire payments for select accounts. Kindly contact ClickBank Accounting in this wise.

For Clickbank affiliates and vendors living in Hong Kong, India, Mexico, Singapore, and Switzerland, conversion to your local currency is done at the published retail rate of Clickbank’s bank, Wells Fargo. You can find current daily rate quotes on Wells Fargo’s website here 

For countries belonging to the Single Euro Payment Area (SEPA), Australia, Canada, New Zealand, and the United Kingdom, ClickBank has negotiated currency conversion rates superior to what most any bank offers, near the base currency market exchange rate on the day at or near your payment date.

Generally XACH payments reach your account in a few days, a period which depends on the country your account is based in and the currency you receive payment in:

  • Canada : 1-2 days
  • Australia, Mexico, New Zealandand the countries belonging to the Single Euro Payment Area (SEPA): 2 – 3 days
  • Switzerland, Hong Kong, Singapore and the United Kingdom: 3 – 4 days
  • India : 4 – 5 days

How to Enable Direct Deposit

  1. Log in to your ClickBank account.
  2. Click theSettings 
  3. Find the Payment Information section and click Edit.
  4. Select the Direct Deposit payment method radio button.
  5. Accept the Terms & Conditions.
  6. Enter the Direct Deposit information which follows:
    • Bank Country
    • Bank Name
    • Account Number
    • Routing Code
    • Account Type
  7. Check the box to acknowledge that you have read and agree to the terms and conditions.
  8. ClickSave Changes and the system will display a notification in your account and also send an email to your Account Email Address with instructions for completing the process.
  9. Follow the link in the email to confirm the change and the system will display a confirmation of the change, and also send an email confirming the change.

Now your future payments will use this direct deposit information.

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Wire Transfer

This is for affiliates and vendors living in countries not served by International Direct Deposit (XACH). ClickBank therefore offer you direct wire payment to your bank account for accounts having sufficient volume. There is an additional cost for this type of payment which is $35 per wire sent. Fortunately a single wire can include an unlimited number of ClickBank accounts.

Wire payments are made only in USD. Want to know the availability of wire payment for your specific ClickBank account(s)? Then go to Clickbank’s Account Questions form and select “Payment Inquiries” as the subject line.


When you supply your Payoneer account information, Clickbank will pay you using this international money transfer service.

You don’t have a Payoneer account?

No problem. Click this link to sign up for a Payoneer account. On approval, they will send you an e-mail confirmation with your US Payment Service details. This will be your US collection account.

How to Enable Payoneer Direct Deposit

To set up your ClickBank account to receive funds in your new Payoneer account via xACH, kindly use the steps below: 

  1. Log in to your ClickBank account.
  2. Click theSettings 
  3. Find your Payment Information near the bottom of the page and clickEdit.
  4. In the Payment Information Editor, chooseDirect Deposit and the Direct Deposit Information entry screen will be displayed.
  5. Select “United States” as your Bank Country.
  6. For the Bank Name, Account Number, and Routing Number fields, just copy the information provided to you by Payoneer.
  7. Select “Checking” as your Account Type.
  8. ClickSave Changes and ClickBank will send you an email confirmation of your changes.

Amounts paid

The amount you receive as payment depends on the payment threshold you’ve chosen as well as your account activity. Before your part of sales as an affiliate or as a vendor are credited to your account, refunds, chargebacks, and chargeback fees are deducted.

As a general rule, if the amount in your account exceeds your payment threshold, you are paid the full amount, minus:

  • A $2.50 processing charge.
  • Your return allowance which is typically 10% of the total balance. Clickbank retain this until the next payment. Why? To manage quality issues that come up between payments. The percentage could be higher than the normal in view of an account’s refund and chargeback rates or other issues. However no return allowance is held on payments that are equal to or less than $25.

N.B.: – Your first payment depends on the Customer Distribution Requirement.

Payment Threshold

This is the minimum amount of money you determine for your account and which must be reached before Clickbank may make a payment to you. Although this goes from $10 to $1,000,000, the default setting is $100.

You can change your payment threshold amount at any time. To do so:

  1. Log in to your ClickBank account.
  2. Click theSettings 
  3. Find the Payment Information section and clickEdit.
  4. From the dropdown menu select a new payment threshold.
  5. ClickSave Changes.

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Although Clickbank send you your payment when the funds in your account have reached your payment threshold, what you receive may not be exactly that amount because of the following deductions:

Debit Backdating – For accounting purposes returns and revokes are backdated 7 days. For instance, should a return be processed on a Thursday after pay period end, the debit is applied to the previous pay period.

Return Allowance – ClickBank retains a portion from each payment that is credited back to your account after 12 weeks (about 84 days). Such funds serve to manage quality issues that may come up with Products you publish or promote, including delayed refunds or revoked sales. Though the standard return allowance is 10%, ClickBank reserves the right to adjust your return allowance at any moment.

It can happen that your account makes no earnings over an extended period of time. It is then considered dormant.

Such accounts attract the following charges:

  • $1 per pay period after 90 days of no earnings
  • $5 per pay period after 180 days of no earnings
  • $50 per pay period after 365 days of no earnings

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Now, let’s see the most frequent debits that can reduce your payment amount.


To lend credence to their commitment to quality customer service and satisfaction and in accordance with their Return and Cancellation Policy, ClickBank can approve a return.

When a sale is returned, Clickbank makes a 100% refund to the customer. So payouts from that sale are also debited back out of the corresponding Vendor and Affiliate accounts.

Should the return concern a recurring billing product, the return policy is that the most recent payment be returned. Such a refund automatically cancels the recurring payments.

Products are returned because a customer is dissatisfied with its quality or for lack of support. ClickBank’s concern is for Vendors to identify and fix any problems to decrease the occurrence of returned sales. So Vendor accounts that display a refund rate in excess of 15% will have its processing margin retained by Clickbank. And Vendor accounts with a refund rate far higher than this amount may be subject to additional fees.

For more information about reducing refunds, check the Refunds & Chargebacks article.


A chargeback concerns a purchase whose charge a customer disputes through their bank or credit card provider on the basis that the purchase was unfunded, unauthorized or fraudulent. This may also happen if a customer feels they’ve not succeeded in getting a refund directly from the retailer. 

Chargebacks of course cost ClickBank money and also harm its hard-earned reputation as a reliable Internet retailer. Should a chargeback concern a Vendor, they are assessed a fee based on the chargeback rate of their account. The chargeback fee assessed to the Vendor is:

  • $22 if the account’s chargeback rate is less than 1.0%
  • $29 + ClickBank’s margin if the account’s chargeback rate is between 1.0%-1.49%
  • $49 + ClickBank’s margin if the account’s chargeback rate is greater than 1.5%

However, sales processed by ClickBank do not have a chargeback rate higher than 1%, which is quite low for an internet retailer.

For more information about reducing chargeback, check the Refunds & Chargebacks article.

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Example of How a Payment is Calculated

Let’s take an account with Previous Balance = $30; Credits = $60; Debits = $15; and Allowance release = $25.

The math is as follows:

$30 (previous balance)

+ $60 (credits)

– $15 (debits)

+ $25 (allowance release)


$100 (preliminary total)

Allowance = $100 x 10% = $10

$100 (preliminary total)

– 10 (return allowance)


$90 (payment amount)

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Schedule of Payment

Affiliates and Vendors are always sent payments on the Wednesday two weeks after period-end.

While accounts set up for direct deposit (US or International) could receive payment once per week or once per two week payments, all other accounts are paid once every two weeks (each a “Payment Frequency”). Pay period end times and payment send dates depend on your selected Payment Frequency. For accounts on weekly payments, pay periods end at 12:00:00 a.m. Pacific time every Wednesday. For accounts set up for payments once every two weeks, pay periods end at 12:00:00 a.m. Pacific time every other Wednesday. When you make changes to your selected Payment Frequency, it will come into force according to the Payment Change Deadline.

If you change your Payment Frequency from once per week to once every two weeks (or vice-versa), this may create overlap between pay periods and the amount settled. The overlap could make your first pay period on your new schedule longer or shorter than standard. Should there be overlap, ClickBank always settles your open sales since your last pay period ended.

If you want to make any changes to payment details, including address or payee changes, and changes between payment methods, this must be done before the applicable deadline for each pay period. To be precise, changes must be complete before settlement is run, which occurs at 5 p.m. (U.S. Mountain Time Zone) Tuesday, one week after a pay period ends.


Here are calendars showing an example month, with notations for which Sale/Pay Period Start and End Date, refunds that are calculated through Debit Backdating, and Payment Change Deadlines.

Bi-Weekly Example


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Weekly Example


Calendar with colored portions to show weekly payments
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Customer Distribution Requirement

Until an account shows a minimum of 5 sales, ClickBank will retain payment of any balance using a minimum of two of the following payment methods:

  • American Express
  • Carte Bleue
  • Diners Club
  • Discover
  • ELV (European Direct Debit)
  • JCB
  • Maestro
  • MasterCard
  • PayPal
  • Visa

This is to help prevent Affiliates from abusing the ClickBank Affiliate program by using their accounts solely for fraudulently collecting rebates and/or discounts on their own purchases.

Once you have satisfied the Customer Distribution Requirement, your account will start issuing payments normally, in conformity with Clickbank’s Accounting Policy, starting on the next payment issuing date.

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Viewing Your Payments

All your past payments are available for viewing. The UI shows a running total, with the credits, debits, and payment for each pay period, displaying the most recent pay period at the top.

  1. Login to your ClickBank account.
  2. Click theReporting tab and the Paychecks section will be displayed by default. This lists every pay period that has been paid out, with details such as:
    • Payment Frequency –which means how often the account is paid [weekly (W) or bi-weekly (BW)].
    • Period Ending –which is the date on which the pay period ended. To see the exact range, you just hover over the date.
    • Balance Forward –This is the unpaid balance carried forward from the previous pay period.
    • Credits –This is the account’s total revenue during the pay period. It includes your portion of sales of your products, affiliate commissions, and reissued payments from prior pay periods.
    • Debits –This is the total debits from the account during the pay period. It includes refunds, chargebacks, and any fees.
    • Release –This is the amount of prior return allowances released in this pay period.
    • Allowance –This is the return allowance withheld during this pay period.
    • Payment Net Balance –This is the amount paid to you, if the amount meets your payment threshold, or the amount that was carried forward to the next pay period if it did not meet your payment threshold.
    • Status –This is the status of the balance at the end of the pay period. The possible statuses are listed below.
    • Date Sent –This is the date on which the payment was sent or will be sent. A dash means that a payment was not effected for the pay period.
    • Payment Method –This is the method by which a payment was sent for the pay period.
    • CSV –If you want pay periods with account activity, simply click the CSV icon to download a report showing each line item during the pay period.

Here below are the possible statuses for the account balance:

  • PAID –This indicates the net balance at end of period was paid. Paid balance delivery begins on the Date Sent date.
  • THRESHOLD –This shows that the account balance did not exceed the Payment Threshold at period end. The balance is carried forward to the next pay period.
  • CDR –This means that the account has not yet met the Customer Distribution Requirement. So the balance is carried forward to the next pay period.
  • SUSPEND –Means that the account is temporarily suspended from payment. Should this be your case, you can contact ClickBank for more information. The balance is carried forward to the next pay period.

Here below are the line item codes used in the Paycheck Detail table of the CSV report:

  • ach-0001 –  Payout deduction for an ACH bounce. This fee is $20.00.
  • bncd-0001 –Payout deduction for revoked sale paid via online check
  • bncd-0002 –Payout deduction for insufficient funds via ELV payment
  • rtck-0001 – Payout deduction for returned sale paid via online check
  • cgbk-0001 –Payout deduction for charged back credit card sale paid via Visa
  • cgbk-0002 –Payout deduction for charged back credit card sale paid via Mastercard
  • cgbk-0003 –Payout deduction for charged back credit card sale paid via American Express
  • cgbk-0004 – Payout deduction for charged back credit card sale paid via Discover Card
  • cgbk-0005 – Payout deduction for charged back credit card sale paid via Diners Club
  • cgbk-0006 – Payout deduction for charged back credit card sale paid via JCBC
  • cgbk-0007 – Payout deduction for revoked sale paid via Paypal
  • cgbk-0008 – Payout deduction for revoked sale paid via ELV
  • cgbk-0010 – Payout deduction for excessive chargeback rate
  • cgbk-0011 – Payout deduction for excessive chargeback rate
  • cgbk-0012 – Payout deduction for excessive chargeback rate
  • cgbk-0013 – Payout deduction for excessive chargeback rate
  • cgbk-0014 – Payout deduction for excessive chargeback rate
  • bons-0001 – Referral program bonus on account activation
  • bons-0002 – Referral program bonus on sale
  • chrg-0001 – Pay period processing charge
  • chrg-0002 – Dormant account charge – 90 days
  • chrg-0003 – Dormant account charge – 365 days
  • chrg-0004 – Charge for advertisement on
  • chrg-0006 – Dormant account charge – 180 days dormant
  • rlse-0001 –   Previously held return allowance returned to your account
  • wthd-0001 – Return allowance withheld
  • frft-0001 –   Forfeiture of account balance
  • rfee-0001 –  Charge for re-issuing a prior payment
  • rssu-0001 – Reissue of a check payment
  • rssu-0002 – Reissue of a direct deposit
  • rssu-0003 – Reissue of a wire transfer
  • wfee-0001 –Charge for sending a wire payment
  • rfnd-0001 –Payout deduction for excessive refund rate
  • rfnd-0002 –Payout deduction for excessive refund rate
  • rfnd-0003 –Payout deduction for excessive refund rate

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Submitting Tax Forms

Clickbank send 1099 forms to their affiliates based in the US who generate more than $600 in commissions. However sometimes they don’t do so.

Clickbank send the 1099 forms in January.

Clickbank affiliates based in the U.S. who make more than $600 a year are required to provide a Taxpayer ID. This can be your social security number, or a government-issued Employer Identification Number (EIN). You can go to the IRS website to obtain a free EIN.

Your taxpayer ID number must match the payee name on your account. But if you are using a business payee name and reporting under an individual social security number, you must fax a completed IRS W-9 form to Clickbank at 559-210-0502. Include a cover sheet that bears your account nickname.

If you are using a U.S. address but are a beneficial resident of another country, you will rather have to fax a completed IRS W-8ben form to Clickbank at 559-210-0502. Include a cover sheet as well that displays your account nickname.

Click the accounting policy for more information.

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FMI (Frequently Met Issues)

Why Haven’t You Been Paid?

This can happen to you for your first payment for two common reasons:

But should it not be your first payment, you can have your check reissued if you are receiving payments by check, or contact ClickBank for more information.

If your payments are made by direct deposit and a payment is returned to Clickbank because of a problem with your banking information, your account is reverted to receiving payments by check, and a check is therefore sent to you.

What Do You Do If Your Check Has Been Stolen?

Mail suspected to contain valuable material is often stolen in some countries. Should this happen to your check which is then fraudulently endorsed, deposited and cashed, you will have to open a fraud case with Clickbank’s bank. If the bank determines that fraud occurred they will reimburse Clickbank the funds. Clickbank will then issue you a replacement check. Note that ClickBank cannot reissue a check prior to the funds being returned to them or prior to the completion of the investigation by their bank. For information about how to open a fraud case with Clickbank’s bank just use the Account Questions form.

How Can You Get a Check You Didn’t Cash In 90 Days Reissued?

ClickBank checks are VOID after 90 days from the date of issue. Therefore if you present a check after this period your bank may refuse it.

Clickbank can issue you a new check but only if the stale check is in their possession. To return such a check, write “VOID” across the check and send it to:

Click Sales, Inc.Attn: Paychecks Department917 S. Lusk Street, Suite 200Boise, ID 83706

On receipt, funds will be re-credited to your ClickBank account and payment sent on your next payment date via your ClickBank account’s selected payment preferences. Please login to your ClickBank account and make any necessary changes to your payee name and address.

How Can You Get Your Check Delayed In The Mail Reissued?

If your check delays unduly, you may request that Clickbank send you a new check. To issue a new check Clickbank have to pay a service fee to the bank network to recall (void) the first check. A US $20 cancellation charge applies and is deducted from the amount of the old check. This means that your newly reissued check would should an amount $20 less.

New checks will only be issued on days when regular checks are sent. Your request must therefore reach ClickBank by the pay period end date in order for the reissue check to be processed at the same time as the payment for that pay period. No exceptions to these deadlines are tolerated. To request that a check be reissued, just use the Account Questions form.

Why Is Your Balance Decreasing?

Accounts displaying a positive balance but making no earnings for an extended period of time are considered dormant. Such dormant accounts are subject to a charge, hence the decreasing balance.

What Do You Do If You Listed A Business Name In Your Account But Can’t Cash A Check Under That Name?

Simply return the check to:

Click Sales, Inc.Attn: Paychecks Department917 S. Lusk Street, Suite 200Boise, ID 83706

Add a note requesting a change to the payee name and Clickbank will reissue the check.

In addition you will have to permanently change the payee name in your account.

How Can You Contact ClickBank With An Issue?

For any payment issue you are having, just file a support ticket or contact your customer service representative.

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