Payments & Payouts
This guide covers Business Commerce. For Individual MoR, use the separate guide.
A successful payment means the transaction is confirmed. It does not mean the funds have already reached the bank. Kordiva tracks fulfillment and the public payout conditions separately.
Basic flow
Section titled “Basic flow”- The customer pays.
- Kordiva confirms the actual transaction status.
- The merchant fulfills the order.
- Timing and applicable safety conditions are evaluated.
- Eligible funds are paid to the business bank account.
Macedonian card
Section titled “Macedonian card”For eligible payments using a Macedonian card, there is no additional standard hold once the relevant order condition has been met:
| Order type | Base condition |
|---|---|
| Physical product | Valid shipment |
| Digital product | Successful payment |
| Deposit | Successful payment |
This is not a promise of instant bank settlement. Bank processing and other safety conditions can still affect timing.
Card origin means the issuing country reported by Stripe, not the buyer’s address, seller country or checkout language. Only a confirmed MK card receives the ordinary MK timing override. Unknown card origin follows the foreign-card timing below.
Foreign card
Section titled “Foreign card”Before the store has 25 qualifying clean completed orders:
| Type | Standard period |
|---|---|
| Physical product | 14 days after shipment |
| Digital product | 7 days after payment |
| Deposit | 7 days after payment |
Once the store has at least 25 qualifying clean completed orders at the time of payment:
| Type | Standard period |
|---|---|
| Physical product | 7 days after shipment |
| Digital product | 3 days after payment |
| Deposit | 3 days after payment |
A qualifying clean order must be paid, have the required completion evidence, and have no refund, dispute, reversal, recovery or seller-debt disqualification. Physical orders must be confirmed delivered; payment alone does not qualify them. The ordinary hold is recorded when payment is processed. Reaching 25 later does not automatically shorten older holds. Additional manual or risk holds can extend the period.
When a payout can be delayed
Section titled “When a payout can be delayed”A payout can remain pending because of:
- a refund;
- an active payment dispute;
- an additional safety review;
- insufficient available balance;
- an additional requirement on the payment account.
Do not try to bypass the normal flow with a manual payout outside the process shown by Kordiva.
Read payout status
Section titled “Read payout status”Open the Business store’s Payments page and review the relevant transaction or payout. Eligibility and movement of money are separate:
| Status | What it means |
|---|---|
| Waiting for fulfillment evidence | Required fulfillment evidence is missing |
| On hold | The release date or another eligibility condition is outstanding |
| Blocked / verification required | A required safety check failed or evidence is missing; a passed date does not remove the block |
| Available for payout | Current release checks pass; bank payment has not necessarily started |
| Transferred to connected account | Funds reached the connected account; this is not a bank payout |
| Payout initiated / Payout in transit | Bank payout was started or is processing |
| Paid to bank — Stripe confirmed | Stripe reports the bank payout paid; check the receiving bank for final credit |
| Payout failed — reconciliation required | The payout needs reconciliation before retrying |
Eligibility also depends on the payment-to-order link, settlement, recoveries/debt, reserves, account safety and reconciliation. Do not interpret a balance or release date as permission to bypass these checks.
Minimum amount
Section titled “Minimum amount”For the reviewed North Macedonian Business flow, the minimum eligible MKD payout is 1,500 MKD. This is not a universal minimum for AL, RS, BA or Individual MoR.
If the eligible amount is lower, it remains pending until the total eligible amount reaches the minimum.
Payout currency
Section titled “Payout currency”For the currently supported flow to business bank accounts in North Macedonia, payouts are made in MKD.