What Is Advance Payment
Advance payment (antecipação) is an option for sellers who want to receive the funds from credit-card sales earlier than the standard payout schedule. Instead of waiting the usual period, you can request anticipation so the money becomes available faster.
Standard vs. Advance Payment for Credit-card Sales
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Normally, sales made via credit card are released for withdrawal after 14 days.
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With advance payment, under certain conditions, you can receive those funds in just 2 days from the sale.
Requirements to Request Advance Payment
To be eligible for advance payment, you must meet all the following criteria:
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Have at least 60 days of continuous sales activity on the platform.
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Have at least R$ 100,000 in commissions on Kirvano or on other platforms.
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Not be selling products that mislead buyers (for example: apps that promise unrealistic earnings, or products with impossible guarantees).
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Maintain a low history of refunds/returns: less than 5% in returns and less than 3.2% in chargebacks.
If any of these criteria are not met, you will not be able to request advance payment and must wait the standard payout schedule.
Advance Payment Fees and Payout Structure
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The fee charged for using advance payment is 9.49% of the sale amount + R$ 2.00.
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When you request advance payment:
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60% of the sale amount becomes available on Day 2.
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The remaining 40% (residual balance) becomes available on Day 30 (according to the regular schedule).
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It is not possible to anticipate the residual amount — only the 60% upfront is released early.
Key Considerations
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Advance payment speeds up cash flow — useful if you need liquidity quickly.
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Because you pay a higher fee, the net amount you receive is lower than waiting the standard schedule.
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If your sale or account fails to meet the advance-payment eligibility criteria, the sale will follow the standard payout schedule.
If you have any questions or need assistance, please contact our Support team.