How You Get Paid on FursAI: Fees, Payouts & Timelines (2026)
FursAI is the merchant of record: buyers pay by Mada, Apple Pay, or card in SAR, and creators are paid out monthly by bank transfer. The exact fees and math.
Selling on FursAI has one money rule behind everything: FursAI is the merchant of record. Your buyer pays FursAI's Saudi checkout — Mada, Apple Pay, or card, in SAR — the receipt reads "Sold by FursAI · product by you," and FursAI then pays you your earnings by bank transfer to your IBAN, monthly, from a SAR 100 minimum. This guide is the exact math and the exact timeline: what is deducted, when your money becomes available, and what to set up so payouts never wait on you.
The two rails: checkout sales and transfer sales
Money reaches you one of two ways, and they behave differently:
- Checkout (gateway) sales — every plan, including Free. The buyer pays on FursAI's checkout and gets instant delivery. FursAI collects the money as merchant of record, and your net earnings enter the payout cycle described below.
- Direct bank-transfer sales — paid plans (Starter and up). The buyer transfers straight to your IBAN and you confirm receipt to release the product. FursAI is not in the money flow at all: no processing fee, no payout cycle, the money is simply in your account. The trade-off is manual confirmation and no instant delivery — the full comparison is in how to accept Mada payments.
What is deducted from a checkout sale?
Two possible lines, both visible per sale in your earnings dashboard:
| Deduction | Free plan | Paid plans (from SAR 10/mo) |
|---|---|---|
| FursAI commission | 10% of the sale (VAT-exclusive base) | 0% |
| Card processing (at cost) | 2.9% + SAR 1 | 2.9% + SAR 1 |
Worked example — a SAR 100 product sold through checkout:
| Free plan | Paid plan | |
|---|---|---|
| Buyer pays | SAR 100.00 | SAR 100.00 |
| Commission | − SAR 10.00 | − SAR 0.00 |
| Card processing (2.9% + SAR 1) | − SAR 3.90 | − SAR 3.90 |
| Your net earning | SAR 86.10 | SAR 96.10 |
Three things worth noticing. The 10% Free-plan commission is what funds a real Mada checkout at SAR 0/month — the moment SAR 10/month is cheaper than 10% of your sales (that is, from about SAR 100/month in sales), Starter pays for itself. Processing is a pass-through, not a margin: FursAI charges you what the payment rails cost. And where VAT applies to a sale, it is accounted for on the buyer's receipt and excluded before the commission is calculated — the commission never inflates on tax.
The payout timeline, step by step
Every checkout sale's net amount moves through three states, all visible in your dashboard:
- Pending (clearing hold, ~14 days). The window in which a payment could fail, be disputed, or be refunded. Every serious platform holds new funds this way — it is why a refund never becomes your debt.
- Available. After the hold, the amount joins your available balance and is eligible for the next run.
- Paid out. In the monthly payout run, FursAI transfers every available balance of SAR 100 or more to the IBAN in your payment settings, marked with a transfer reference you can match on your bank statement.
If your available balance is under SAR 100, it simply rolls over — it stays yours and goes out the first month it crosses the line. (For context: Patreon holds Saudi creators to wallet payouts in foreign currency, and TikTok's LIVE minimum is ~SAR 375 with a 15–21 day pipe. A SAR 100 minimum with domestic transfers — which typically cost nearly nothing and arrive same-day inside the Kingdom — is deliberately the boring, predictable version.)
Refunds: if an order is refunded before its amount was paid out, the pending payout is cancelled automatically. Money already transferred to your bank stays yours; later disputes go through FursAI support, because refunding buyers is FursAI's job as the merchant of record — not yours.
What you need to set up (once, five minutes)
- Your IBAN — in your payment settings. Payouts go only to a Saudi bank account in your name; no IBAN on file is the #1 reason a payout waits.
- Your legal footing — for Saudi citizens, the free freelance certificate is the standard answer to "what is this income?" when your bank asks. It takes minutes and costs nothing (full context in the tax guide).
- Your prices — set in SAR, remembering the math above: on Free, price so that 86% of the number still feels right; from Starter up, 96% of it is yours.
Where the records live
Your earnings dashboard shows every sale with its deductions, and every payout with its transfer reference — pending, available, and paid-out, per sale. Keep those statements: they are your income record for the bank and, if you grow past the VAT thresholds, for registration day (what actually applies to Saudi creators — usually less than feared). Because FursAI is the merchant of record, the buyer-side paperwork — receipts, refunds, and the tax side of the sale — is carried by FursAI on store sales; your side is simply your payout history.
The short version: sell on any plan with a checkout your Saudi audience recognizes; watch each sale clear its two-week hold; get a bank transfer every month your balance is SAR 100+. No gateway applications, no USD wallets, no chasing. Questions this page didn't answer live in the FAQ.
Quick answers
When does FursAI pay me for my sales?
Monthly. Each sale's net amount clears a roughly two-week hold, then joins your available balance. In the monthly payout run, available balances of SAR 100 or more are transferred to the Saudi IBAN in your payment settings. A balance under SAR 100 simply rolls over to the next month — it is never lost.
What fees does FursAI take from a sale?
Two possible lines, both shown per sale in your dashboard. Commission: 10% on the Free plan, 0% on every paid plan (from SAR 10/month). Card processing: 2.9% + SAR 1 on checkout (gateway) sales, deducted at cost on all plans. Direct bank-transfer sales carry no processing fee and don't enter the payout cycle at all — the buyer pays your IBAN directly.
Why is there a hold before my money becomes available?
The clearing hold (about two weeks) covers the window in which a card payment can fail, be disputed, or be refunded. It is the same reason Stripe, Gumroad, and app stores hold funds. After the hold, the sale's net amount moves to your available balance and goes out in the next monthly run.
What happens to my payout if an order is refunded?
If a sale is refunded before it has been paid out to you, its pending payout is cancelled — you never receive money that later has to be clawed back. Once an amount has actually been transferred to your bank, it is yours; refunds after that point are handled by FursAI support case by case.
Do I need my own payment gateway or commercial registration to get paid?
No. FursAI is the merchant of record — it charges the buyer on its own Saudi payment account and pays you your net earnings by bank transfer. You need a Saudi bank account (IBAN) in your payment settings, and the free freelance certificate is the standard footing for creator income. You never open a gateway account or handle buyer-side tax paperwork for store sales.
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