Seller orders, payouts, and earnings basics

Where seller earnings appear

On IVOTIA, seller earnings do not go straight from a buyer payment to your bank account or M-PESA line. They first move through the order and escrow flow, and then settle into your IVOTIA wallet when the order is eligible for release.

Your wallet is the main place to track money that is already available, money still clearing from active orders, and the history of credits, withdrawals, and other balance changes.

For product sellers and service providers, order pages also show payout-related progress so you can see whether money is still protected in escrow, pending release, or already released to your wallet.

What the wallet totals mean

Available for withdrawal is the amount already in your wallet and ready to be paid out.

Pending clearance is income from qualifying seller orders that has not been released to your wallet yet. In the current IVOTIA logic, this includes seller payouts tied to protected orders that are still in held or release-pending states.

Total earned reflects released seller payout amounts from completed protected orders. It is not simply the gross order total, because platform deductions and seller payout calculations happen before funds are released.

Total withdrawn shows how much money has already been sent out of your wallet through completed withdrawal requests.

When money is released to your wallet

For escrow-backed orders, a seller payout is released only after the order reaches a valid release point. That usually means the buyer has confirmed delivery or the protected release rules have completed without a dispute blocking the payout.

When IVOTIA releases escrow to the seller, the platform credits the seller wallet and records the wallet transaction history at the same time.

If an order is disputed, cancelled, refunded, or otherwise interrupted before release, the payout does not simply move to your available balance automatically. The final outcome depends on the order and dispute rules.

What you can do from the wallet page

From Account > Wallet, you can refresh your wallet data, review wallet activity, save payout accounts, request withdrawals, and top up your wallet when needed for platform actions that use wallet funds.

The wallet activity table shows a balance-after value for each transaction so you can follow how your wallet changed over time.

If you do not yet have any wallet activity, the page stays usable, but the transaction history remains empty until you top up the wallet or complete orders that produce seller payouts.

How saved payout accounts work

IVOTIA currently supports two payout-account types for withdrawals: M-PESA and bank transfer.

To save an M-PESA payout account, you must provide a phone number.

To save a bank transfer payout account, you must provide a bank name, account number, and account name. The seller-side UI also stores a bank code when available.

Saved payout accounts are managed from the wallet area. New payout accounts can be made the default, and if you delete the current default account, IVOTIA automatically promotes the most recent remaining payout account to default.

How withdrawals work

When you request a withdrawal, IVOTIA deducts the requested amount from your available balance immediately and creates a withdrawal request record.

Right now, IVOTIA allows only one pending withdrawal request at a time per user. If you already have a pending request, the platform blocks a second one until the first is processed.

Withdrawals currently support bank transfer and M-PESA. The amount is handled in cents internally, but the seller-facing wallet flow is presented in normal currency values on the wallet page.

A withdrawal request moves through statuses such as PENDING, PROCESSING, COMPLETED, or REJECTED depending on admin review and payout-gateway outcome.

What happens when a withdrawal is approved or rejected

When a withdrawal is approved, IVOTIA processes the payout against the selected payout method and marks the request as being processed before final completion.

When a withdrawal is completed, IVOTIA records the payout as part of your withdrawal history and updates your total withdrawn value.

If a withdrawal is rejected, IVOTIA refunds the amount back to your wallet and records a wallet transaction for that refund. In other words, a rejected withdrawal should not permanently remove money from your balance.

You should review admin notes or wallet-update messages carefully when a withdrawal fails or is rejected, because they can explain whether payout details were missing or whether the payout gateway had a delivery issue.