> ## Documentation Index
> Fetch the complete documentation index at: https://docs.morapay.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Payout timing & limits

> Processing windows, platform minimums, and delivery estimates.

Constraints for disbursements, withdrawals, and checkout minimums. Values come from platform settings and payout worker scheduling.

## Platform minimums

| Product                          | Minimum | Setting key            |
| -------------------------------- | ------- | ---------------------- |
| Payment links                    | \$1     | minPaymentLinkUsd      |
| Subscriptions                    | \$1     | minSubscriptionUsd     |
| Disbursement / recurring batches | \$5     | minRecurringUsd        |
| Withdrawals                      | \$5     | minWithdrawalUsd       |
| Payouts                          | \$5     | minPayoutUsd           |
| Platform transfers               | \$0.5   | minPlatformTransferUsd |

Regional MoMo floors may exceed USD equivalents, for example **1.00 GHS** in Ghana. Below-minimum amounts return `links.amount.below_minimum`.

## Disbursement batch scheduling

| Phase                    | Behavior                                                                          |
| ------------------------ | --------------------------------------------------------------------------------- |
| **Batch creation**       | You set `processingAt` ISO datetime. Batch stays `SCHEDULED` until that time.     |
| **Dispatch**             | Worker picks up batches when `processingAt <= now`. Status moves to `PROCESSING`. |
| **On-chain settlement**  | Stablecoin is sent from treasury pool to settlement infrastructure.               |
| **MoMo / bank delivery** | Local payout rails execute per recipient after on-chain leg completes.            |

### Estimated recipient delivery after dispatch starts

On-chain chunk execution is estimated at **\~2 minutes per multicall chunk**, capped between **2** and **120** minutes:

```
estimatedMinutes = max(2, min(120, chunkCount × 2))
```

Merchants receive email copy like: *recipients should receive funds within \~N minutes after dispatch begins*.

<Warning>
  Carrier downtime, invalid recipient details, or insufficient treasury balance can delay or fail individual recipients. Listen for `payout.status_updated` webhooks and retry with a new idempotency key when appropriate.
</Warning>

## Rail-specific timing typical

| Rail                | Typical settlement                                       |
| ------------------- | -------------------------------------------------------- |
| **Ghana MoMo**      | Minutes after batch dispatch completes on-chain          |
| **Ghana bank**      | Same business day to 1 business day                      |
| **Nigeria bank**    | Same business day to 2 business days                     |
| **Card checkout**   | Instant authorization; settlement per processor schedule |
| **Crypto checkout** | Block confirmation time for the payer chain              |

Exact timing depends on the payer bank, mobile money operator, and chain congestion. Include `requestId` when contacting support.

## Idempotency

Deposits and withdrawals on the disbursement account require an `idempotencyKey` 8–200 chars. See [Idempotency](/developer-tools/idempotency).

## Related

* [Disbursement tokens](/reference/disbursement-tokens)
* [Banks & MoMo withdrawal](/reference/banks-and-momo)