Payout Settings

Payout settings control how and when Lumio transfers your revenue share to you. You must complete developer verification before adding a payout method.

Payout methods

You can configure up to three payout methods. Lumio attempts the primary method first; if it fails, it falls back to the secondary method.

Stripe Connect

Stripe Connect is the fastest payout method. It connects your existing Stripe account (or creates one) and enables automatic payouts within 2 business days of each transaction.

To connect Stripe:

1. Go to Account → Payout Settings → Add Method → Stripe Connect
2. You are redirected to Stripe's onboarding flow
3. Complete Stripe's identity verification (separate from Lumio's verification)
4. Return to the dashboard - your account is now linked

Stripe Connect payouts:

• Minimum payout: €1.00
• Frequency: Automatic, 2 business days after each transaction settles
• Currencies: EUR, USD, GBP (based on your Stripe account country)
• Fees: Stripe's standard processing fee (~1.4% + €0.25 for EU cards) is deducted from your share

PayPal

PayPal payouts are batched monthly and require a verified PayPal account with the same email address as your Lumio developer account.

To connect PayPal:

1. Go to Account → Payout Settings → Add Method → PayPal
2. Enter your PayPal email address
3. Lumio sends a €0.01 verification payment - confirm receipt in your PayPal account

PayPal payouts:

• Minimum payout: €25.00 - balances below this roll over to the next month
• Frequency: Monthly batch, paid on the 5th of each month for the previous month's earnings
• Currencies: EUR
• Fees: PayPal's receiving fee is deducted from your payout

SEPA Bank Transfer

SEPA transfers are available for developers with a bank account in the SEPA zone (EU + EEA + Switzerland + UK).

To configure SEPA:

1. Go to Account → Payout Settings → Add Method → SEPA
2. Enter your IBAN (up to 34 characters; spaces are allowed and not counted) and BIC/SWIFT code (up to 11 characters)
3. Enter the account holder name exactly as it appears on the bank account
4. Lumio performs a micro-deposit verification (€0.01) - confirm the amount shown in your bank statement

SEPA payouts:

• Minimum payout: €50.00 - balances below this roll over to the next month
• Frequency: Monthly batch, paid on the 5th of each month for the previous month's earnings
• Currencies: EUR
• Fees: No additional fees from Lumio; your bank may charge a receiving fee

Closing payout when you delete your profile

When you schedule the deletion of your Lumio profile with a waiting period of 7 or 30 days, your remaining balance is paid out with that request, also below the minimum payout amount. Revenue that arrives while the deletion is scheduled can be paid out the same way with a closing payout (requestPayout(closing: true)). Without a scheduled deletion, a closing payout is refused (CLOSING_PAYOUT_REQUIRES_DELETION). You still need a payout method, a verified developer identity and complete tax details (see Credit notes and tax details). A payout in progress blocks the deletion until it is finished.

Credit notes and tax details

Lumio documents every payout, the closing payout included, with a self-billed credit note (Gutschrift): Lumio issues the invoice for your revenue share on your behalf. You get it by e-mail with the PDF attached, in German and English, and can download it under Developer settings → Payouts. If a payout fails, the note is cancelled by a cancellation note and the amount goes back to your balance.

For the note, enter your tax details in the developer verification form:

You are	Enter	On the note
In Germany, small business (§ 19 UStG)	Steuernummer or USt-IdNr., small business: yes	No VAT
In Germany, charging VAT	Steuernummer or USt-IdNr., small business: no	19 % VAT on top of your share; the payout is your share plus VAT
In another EU country	USt-IdNr.	No VAT, reverse charge
Outside the EU	nothing extra	No VAT, reverse charge

While the details are incomplete, a payout request is refused (TAX_DETAILS_REQUIRED) and nothing is booked. If a note is wrong, tell us at hey@lumio.vision; we cancel it and issue a corrected one.

Revenue share

Lumio retains 30% of each transaction as a platform fee. Developers receive 70%, calculated on the gross transaction amount before payment processor fees.

Pricing	Gross	Lumio (30%)	Your share (70%)
€4.99 one-time	€4.99	€1.50	€3.49
€9.99 one-time	€9.99	€3.00	€6.99
€2.99/month	€2.99	€0.90	€2.09/month

Payment processor fees (Stripe, PayPal) are deducted from your 70% share and depend on the buyer's payment method and country.

Payout schedule

Once per calendar month (Europe/Berlin) Lumio pays out your whole balance automatically when it reaches the minimum of your payout method, unless you already had a payout that month. You can also request a payout at any time (see Requesting a payout).

Method	When it is sent
Stripe Connect	Within about 15 minutes of the payout; the transfer to your Stripe account is complete at once
PayPal	Within about 15 minutes of the payout; it is complete when PayPal confirms it
SEPA	Transferred by the Lumio team; complete once the transfer is recorded

If a payout fails, the amount goes back to your balance and its credit note is cancelled; you can request again. You have at most one open payout at a time.

Viewing earnings

Your earnings dashboard is at Account → Payout Settings → Earnings. It shows:

• Gross revenue - total paid by users
• Platform fee - Lumio's 30%
• Processor fees - payment provider fees
• Net revenue - your actual payout amount
• Pending balance - amount not yet paid out
• Paid out - total paid to date

Earnings are broken down by extension and by month.

Requesting a payout

The Payouts page in the dashboard (/dashboard/extensions/payouts) shows your current balance, the pending amount and your total earnings. Under Request payout, Request payout asks you to confirm the amount and then pays out your whole current balance with your saved payout method; the amount moves to Pending until it is paid. The button stays disabled while the balance is zero or no payout method is saved.

Payouts require a verified developer identity. Without it the request is refused (403 DEVELOPER_VERIFICATION_REQUIRED) and the page links to the verification (/dashboard/extensions/verification) instead.

While you have a developer balance or a payout in progress, your Lumio profile cannot be deleted right away (409 DEVELOPER_FUNDS_OUTSTANDING). A deletion with a waiting period pays the balance out first, also below the minimum (see Closing payout). If the balance cannot be paid out because no payout method is saved or your identity is not verified, write to hey@lumio.vision.

Changing your payout method

You can add or remove payout methods at any time. Changes take effect for the next payout cycle. In-flight transactions that settled before the change are paid out using the method active at settlement time.

Tax documents

Lumio generates annual earnings summaries available under Account → Payout Settings → Tax Documents. These are for informational purposes - consult a tax professional for your local reporting obligations. US developers receive a 1099-K if applicable; EU developers receive a summary of taxable revenue net of VAT.