Pending Balance — The 10-Day Hold

Every FanBuck you earn sits in your pending balance for 10 days before moving to your available balance where it can be withdrawn.

Why the hold exists

Three reasons:

1. Chargeback window. Most card disputes hit within the first 7 days. The 10-day hold gives us time to identify chargebacks before paying out the underlying FanBucks.
2. Fraud detection. Suspicious activity often shows itself within a few days. The hold gives our fraud detection time to run.
3. Refund requests. Fans have 30 days to dispute a transaction through the wallet. Most disputes hit within the first 10 days. The hold absorbs them without clawing back from your available balance.

Without the 10-day hold, every chargeback would create a negative-balance situation that we'd have to claw back from your future earnings.

How it shows up in the wallet

Your wallet displays:

• Pending balance — earnings from the last 10 days. Visible but not withdrawable.
• Available balance — earnings older than 10 days. Withdrawable subject to the $50 minimum.

When new earnings hit, they go to pending. After 10 days, they automatically move to available.

How the 10 days are counted

The 10 days are calendar days, counted from the moment the earning was credited:

• Earning from a tip on April 1 at 8:00 PM moves to available on April 11 at 8:00 PM.
• Earning from a subscription renewal on April 5 at 12:00 AM moves to available on April 15 at 12:00 AM.

There's no cliff at the end of the day — earnings move to available on a rolling basis.

When the hold is extended

In rare cases, we may extend the pending period beyond 10 days for specific transactions or accounts:

• Suspected fraud — a transaction or account flagged for fraud review.
• Abnormal chargeback rate — if your overall chargeback rate exceeds risk thresholds.
• Account under restriction — accounts in caution or restriction tiers may have extended holds.
• First-time withdrawals from a new account — sometimes held for additional verification.

You'll see the extended hold in the wallet with a reason given.

What happens to the pending balance during a chargeback

When a fan files a chargeback:

1. We deduct the disputed FanBucks first from your pending balance.
2. If pending isn't enough, we deduct from your available balance.
3. If both aren't enough, your account goes into negative balance until future earnings cover the deficit.

This is why we hold pending in the first place — to catch most chargebacks without touching your available balance.

Why not 7 days? Or 14?

10 days hits the sweet spot:

• Long enough to capture ~80% of chargebacks before payout.
• Short enough to keep your cash flow healthy.

Some platforms hold 30+ days. Some hold 7. We picked 10 based on internal data on dispute timing.

Pending balance and account closure

If you close your account voluntarily:

• Your pending balance continues to mature on the normal 10-day schedule.
• After all pending matures and any disputes are resolved, your available balance is paid out at the next scheduled cycle.
• This usually means the final payout takes 2–4 weeks after account closure.

If we close your account for cause (fraud, zero-tolerance violation), your pending balance may be held for up to 180 days to absorb any delayed chargebacks. After 180 days, any remaining net positive balance is paid out, less any forfeited amounts. See Creator Terms § 6.