Creator & Developer Payout Policy

Funds displayed on your creator or developer dashboard reflect estimated gross contributions until fully reconciled. Only settled and verified earnings are eligible for payout requests.

• Minimum Domestic Withdrawal (BDT): ৳300.00
• Minimum International Withdrawal (USD): $10.00
• Maximum Single Transaction Limits: Subject to upstream Mobile Financial Services (bKash/Nagad) wallet limits (typically ৳25,000 per transaction for personal wallets) and bank routing limits.
• Single In-Flight Request: To prevent double-allocation and ensure accurate ledger tracking, accounts are limited to one active pending/processing withdrawal request at a time.

Superchat BD dispatches payouts strictly through authorized payment channels:

Standard platform service fees (10% for domestic tips, 20% for USD tips, 5.00% for developer checkouts) are deducted at the point of customer payment. Any third-party bank routing charges or MFS cash-out fees are borne by the recipient.

In accordance with Bangladesh Bank banking guidelines and our partner institution hours (Eastern Bank PLC, Islami Bank Bangladesh, bKash Corporate):

• Banking Days: Sunday through Thursday, 9:00 AM to 5:00 PM Asia/Dhaka time.
• Off-Days & Public Holidays: Payout operations are closed on Fridays, Saturdays, and official government or bank holidays in Bangladesh.
• MFS Dispatch SLA: Within 24–48 banking hours from submission during operating days.
• Bank Transfer SLA: Within 72–96 banking hours via NPSB during operating days.

Superchat BD applies automated and human risk controls to protect the platform and users against illegal financial activities. A withdrawal may be placed in the under_review state if:

• Self-Tipping / Cycling: Earnings originate primarily or exclusively from the creator's own accounts with immediate withdrawal requests.
• Account Mismatch: The name or phone number on the destination wallet does not match the registered user identity.
• Gateway Discrepancy: Upstream payment partner (EPS) has not completed server-to-server settlement confirmation.
• Dispute or Chargeback Notice: An upstream bank or customer has filed an unauthorized payment claim regarding associated funds.

Core Principle: Superchat BD does not confiscate funds based on automated signals. Any review hold requires a documented internal reason.

Creators placed on review hold will be notified of the general grounds and given the opportunity to provide documentation (such as proof of broadcast, social media links, or payment instrument ownership). If verified, the hold is released immediately. If an unauthorized payment or fraud is substantiated, the funds are returned to the genuine payment instrument or held up to 180 days to satisfy lawful chargeback demands.