Cash out your balance

Withdrawing moves earned PAC from Panoply to your bank account at 1 PAC = 1 USD. The minimum is $10, and you can withdraw whenever you like — there's no payout schedule to wait for.

Only earnings can be withdrawn

PAC you were paid for selling is withdrawable. PAC you added yourself is spend-only and can never be cashed out — see Pay with PAC.

Your dashboard shows the two apart. The Withdraw button works from the earnings figure, which is why it can offer you less than your total balance.

What "available" means

Available is your earnings, minus two things:

• Earnings still inside the buyer's 14-day refund window. A sale can be refunded for that long, so its earnings are held until the window closes. The dashboard shows how much is held and when the oldest part is released. See Get paid.
• Anything an open withdrawal has already claimed. Requesting a withdrawal reserves the amount immediately, so the same money can't be requested twice while a transfer is in flight.

Before your first withdrawal

You'll need the bank account the money should land in, and the details your bank requires to accept an international transfer. In every case that includes:

• The legal account holder name, matching the account. It has to be a full name — a single word is rejected.
• The account's IBAN and its country.

Panoply checks these when you enter them rather than at transfer time, so a missing detail is caught up front instead of days later when the transfer fails.

Choosing a currency

You choose whether to be paid in EUR or USD. Both settle by IBAN. Your PAC is denominated in US dollars either way; if you choose EUR, the conversion happens when the transfer is sent.

Not every country is supported yet. If yours isn't, the form tells you rather than accepting a request that would fail later.

What happens next

1. The withdrawal is recorded and the amount is reserved against your earnings.
2. The transfer is sent to your bank.
3. The withdrawal is marked complete when the transfer settles, and the PAC is burned at that point.

Your available balance drops when you request, not when the money lands. That's deliberate — it stops the same money being spent twice while a transfer is in flight.

One withdrawal at a time

You can only have one withdrawal in progress. Request another once the current one settles. This keeps your balance and the money actually in flight from drifting apart.

Timing

Bank transfers take days, not minutes, and how long depends on your bank and country. Panoply sends promptly; the time after that is your bank's.

If a withdrawal fails

A transfer can be rejected by the receiving bank — usually a name mismatch or an incomplete account detail. The amount returns to your available balance and you'll be told what to correct. Fix the details and request again. If it fails twice for a reason you can't identify, see Get help.

A failed or rejected withdrawal appears in your withdrawal history and nowhere else. If a payout seems to have vanished, that's where to look — the PAC came back to your balance, so nothing else flags it.