The **Payouts** page tracks what you owe affiliates. RefCampaign calculates the amounts and keeps the record. It does not move money, so you pay affiliates through your own provider and mark each payout as paid.

## How payouts are grouped

Payouts sort into three buckets:

* **Upcoming** — due in the future.
* **Overdue** — past their due date.
* **Paid** — settled.

Commissions from a closed month are grouped into a monthly cycle, with a due date set by your payment term (NET-15, NET-30, or NET-60). A payout past its due date shows an **Overdue** badge. Each payout carries a status: Pending, Invoice received, Approved, Paid, Rejected, or Cancelled.

## Simulate a refund before acting

In **Conversions**, click **Simulate refund** on a conversion. The panel starts
with its remaining refundable amount. Enter an additional partial refund and
click **Calculate impact** to compare the consequences for each commission.

The simulation uses recorded commissions, including previous refunds. Under
the current rules, even a partial refund rejects unpaid commissions in full.
Paid commissions and payments in flight receive a proportional negative
clawback. Existing clawbacks and already rejected commissions do not count as
new deductions. Clawbacks retain the ledger's current two-decimal rounding,
including for currencies with different display precision.
If a projected adjustment cannot be represented at the currency's precision,
the panel refuses the simulation rather than hiding the difference by rounding.

No refund or payment is executed. Recalculate if the conversion or payout
changes. A fully refunded, pending, rejected or disputed conversion cannot be
simulated. Inconsistent amounts or currencies, and an unpaid commission already
attached to a payout, also make the simulation unavailable. If no commissions
are recorded, the panel says so instead of estimating them from campaign rules.

## Set a payout threshold

Under **Settings → Organization**, set the **minimum payout amount** (default €50). Affiliates can request a payout only once their balance reaches it. Smaller balances carry forward to the next cycle.

## Pay affiliates

<Steps>
  <Step>
    ### Export a payment file

    Select the payouts and click **Export**. Pick a format that matches your provider: PayPal Mass Pay, Wise Batch, or Bank / SEPA. Payouts missing the details a format needs are skipped.
  </Step>

  <Step>
    ### Pay through your provider

    Upload the file to PayPal, Wise, or your bank and run the transfers.
  </Step>

  <Step>
    ### Mark as paid

    Back in RefCampaign, select the payouts and click **Mark as paid**. Enter the payment date and method, plus an optional reference and notes.
  </Step>
</Steps>

<Callout type="info" title="RefCampaign doesn't send the money">
  Exports and "mark as paid" record the payment for your books. The transfer itself happens in your payment provider.
</Callout>