Earnings & Payouts

Effective date: 1 January 2026

How creator earnings work, payout rates, and how to withdraw your money.

1. Revenue Streams

SwitCity provides creators with multiple ways to earn directly from their fans:

Subscriptions

Fans pay a recurring monthly fee to unlock your full profile and exclusive content. Subscription prices are set by the creator. This provides predictable, recurring income.

Payout rate: 85%

Pay-Per-View (PPV)

Lock individual posts or videos behind a one-time price. Fans pay once for permanent access to that piece of content, whether or not they hold an active subscription.

Payout rate: 85%

Tips & Gifts

Fans can send direct tips at any time - from a ₦100 appreciation to a ₦10,000 super tip on a live reel. Tips are a direct expression of fan support and require no exclusive content unlock.

Payout rate: 90%

2. Platform Fee

SwitCity retains 10–15% of each transaction as a platform fee, depending on the revenue stream. This fee covers platform infrastructure, payment processing costs, content storage, moderation, customer support, and platform development. There are no hidden fees beyond this percentage.

3. KYC Requirement

Before a creator can initiate any payout, they must complete KYC (Know Your Customer) verification. This involves:

  • Uploading a government-issued photo ID (National ID, passport, or driver's licence)
  • Providing valid bank account details for payment
  • Confirming age eligibility (18+)

KYC verification is typically completed within 1–3 business days. Earnings accumulate in your balance during this period and are released once verification is approved.

4. Payout Process

Once KYC is approved, creators can withdraw earnings from the Earnings & Payouts section of the Creator Dashboard:

  • On-demand withdrawals: Request a payout at any time your balance meets the minimum threshold.
  • Minimum payout threshold: ₦5,000 (subject to change - the current threshold is always displayed in your dashboard).
  • Processing time: Payouts are processed via Bani and typically arrive in your bank account within 1–3 business days.

5. Taxes

SwitCity does not deduct income tax on behalf of creators. You are solely responsible for declaring and paying any taxes owed on your earnings in accordance with the laws of your jurisdiction. We recommend consulting a tax professional. SwitCity may issue earnings summaries upon request to assist with tax filing.

6. Earnings Visibility

Your Creator Dashboard provides a real-time view of your earnings breakdown, including income by revenue stream (subscriptions, PPV, tips), payout history, pending balances, and fan analytics. All figures are displayed in Nigerian Naira (₦).

7. Account Suspension & Earnings

In cases of account suspension or termination due to policy violations, outstanding earnings may be withheld pending investigation. Accounts permanently banned for zero-tolerance offences (CSAM, NCII, etc.) forfeit all pending earnings, which are redistributed or retained per our compliance obligations.

8. Questions

For earnings disputes, payout delays, or questions about your balance, contact us at hello@switcity.com with the subject line "Payout Enquiry: [Your Username]".