Payments · Info Products6 min readUpdated November 2, 2026

Payout Timing for Info Product Businesses

When course and coaching sales reach your bank: Kajabi, Teachable, Stripe and PayPal payout timing, reserves, and why info products get held longer.

Nick Bonnassies, CMO at Tagada · checked against 9 sources

Article summary

TL;DR

A new course business is usually paid 1 to 4 weeks after its first sale. Stripe typically pays a new account 7 to 14 days after its first payment; Kajabi Payments starts monthly with a 7-day delay; Teachable can hold 100% of a new school's earnings for 14 days, then 10% for 45 days. High-ticket launches get held longer.

Stripe "typically schedules your initial payout to complete within 7–14 days", depending on industry, country and risk (read November 2, 2026).
Kajabi Payments sets new accounts to "Monthly with a T+7 transaction delay"; other schedules may open 1 to 2 business days after the first sale (October 2026).
Teachable's standard reserve is "10%, with earnings unlocked 45 days after purchase"; new schools "may face a 100% reserve rate with a 14-day unlock period".
A Visa "not received" dispute can come 120 days after the last expected service date, up to 540 days after the sale: long coaching programs stay at risk longer.
PayPal can hold funds "for up to 180 days" when it judges it needs to (User Agreement, September 2026).

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On this page

This guide is part of our hub on info product payment processing. The general guide, for any business: merchant account payouts.

Payout timing by platform

Each platform has three settings that decide when you get paid: the first payout, the regular rhythm and the reserve.

Platform	First payout	Regular rhythm	Reserve or hold
Stripe (your own account)	7 to 14 days after the first live payment1	Daily by default, or weekly, monthly, manual1	Possible; "a reserve may be required indefinitely"6
Kajabi Payments	Monthly, with a T+7 delay at onboarding2	Daily, weekly or monthly may open after the first sale2	7-day hold on all payouts after a bank account change2
Teachable Pay	New schools: up to 100% held, unlocked after 14 days3	Daily (2-business-day rolling), weekly (Thursday), monthly (first business day); Free plan monthly only3	Standard 10%, unlocked after 45 days3
PayPal	Depends on account review	Transfer to bank on request or automatic	Up to 180 days if "reasonably needed"4

US card funds settle in "2 business days" on Stripe before the payout schedule applies1.

Example

A new Teachable school sells a $997 course on March 1. Under the new-school terms, the full amount can be held until March 153. Once the school moves to standard terms, $99.70 of each sale stays held for 45 days and the rest follows the payout rhythm3.

Fig. 1One $997 sale on March 1, and when its money can arrive

March 1$997 course sold
2 business daysStripe US card funds settle
Day 7 to 14First Stripe payout on a new account
March 15Teachable new school: full amount unlocked
Day 45Teachable standard: the $99.70 held share unlocks

The same sale can wait two weeks, then keep a tenth held for 45 days.

Illustrative example. Terms: Stripe Docs, Payouts; Teachable Knowledge Base, Teachable Pay.

Why course money is held longer

Processors hold funds against what can still come back: refunds and disputes. For info products, that window is long.

Service dates move the dispute clock.
Visa allows a "not received" dispute up to 120 days after "the last date that the Cardholder expected to receive the merchandise or services", capped at 540 days after the transaction7. A 12-month coaching program paid upfront stays exposed for over a year.
High tickets.
One $3,000 dispute wipes out the margin of dozens of small sales.
Promise-driven disputes.
Buyers who expected an income file "misrepresentation" disputes, which processors watch on this vertical.
Launches.
A spike of sales on a new account looks like risk, even when it's a planned cart opening.

Reserves and holds

Type	How it works	Example
Rolling reserve	A share of each sale held for a set period	Teachable: 10% for 45 days3
Upfront hold on new accounts	All of the first sales held for a short period	Teachable new schools: 100% for 14 days3
Delayed first payout	The first payout waits after the first payment	Stripe: 7 to 14 days1; Kajabi: monthly with T+72
Risk hold	Payouts paused after a risk decision	Stripe: "typically" 120 days from the first email5; PayPal: up to 180 days4

10%

Teachable's standard reserve, unlocked 45 days after purchase

100%

Share a new Teachable school can see held, for 14 days

120 days

Typical Stripe risk hold, from the first email

180 days

Longest PayPal hold when it judges it reasonably needed

Visa and Mastercard flag US merchants at 1.5% disputes in 20268. Long before that line, a rising dispute rate is the most common reason a processor raises a reserve. Prevention: chargebacks for info product businesses.

Launches and cash flow

A launch concentrates months of revenue in a few days, and that's what processors notice.

Tell your processor before cart opens: expected volume, dates, ticket size.
Budget ad spend without launch revenue: assume the first weeks of sales arrive late.
Answer refund requests during the launch within a day; refunds cost less than disputes.
Keep delivery records from day one: logins, lessons opened, calls attended.
Don't change your bank account mid-launch: Kajabi applies a 7-day hold on all payouts after a bank update2.

Five moves before a launch, so payouts keep up with sales.

Payment plans and memberships

Recurring revenue reaches you charge by charge, so the timing question changes.

Payment plans. Each installment is a separate charge and follows the normal payout rhythm. A plan sold at launch keeps paying out months later, which smooths cash but leaves you exposed to failed payments.
Memberships. Monthly charges arrive every cycle; annual plans bring a large payment that may sit under a reserve.
Failed charges delay the money they represent. Recovery flows: failed payment recovery for info product businesses.

Tagada follows Visa and Mastercard rules and the laws that apply to payments.

How Tagada helps

Daily payouts, on more than one processor

"Automated onboarding, every industry welcome, and a vault you actually own." TagadaPay lists "Info products", "Coaching" and "Online courses" among its industries9. "If you sell something real, we will get you paid." "Most merchants are live under 24 hours."9

Payouts and currencies: "Daily payouts, 135+ currencies", "180+ Countries supported"9.
Routing: "Route to the processor most likely to approve it, retry on decline. No engineering required." TagadaPay reports a "+18% approval uplift"9.
A vault you own: "Your PCI-tokenized cards, your customer profiles, your subscription data, all portable."9
Pricing: "From 2.9% + $0.29", "No setup fees, no monthly minimums"; "High-risk verticals and edge cases are priced case by case."9
People: "24/7 human support on Slack Connect"9.

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Daily payouts, on more than one processor

Updated on November 2, 2026

Nick Bonnassies

CMO at Tagada

CMO at Tagada. Before Tagada, Nick built direct-to-consumer brands that generated over $115M in sales, raised over $25M in crowdfunding and sold two of them. He also works as a fractional CMO on marketing operations and AI systems.

Frequently asked questions

How long does Kajabi take to pay out?

New Kajabi Payments accounts start on a monthly schedule with a 7-day transaction delay, for "regulatory and compliance purposes". Daily, weekly or monthly options may become available 1 to 2 business days after the first sale. Changing your bank account adds a 7-day hold on all payouts.

Why is Teachable holding my earnings?

Teachable holds a reserve against refunds and chargebacks. Its standard reserve is 10%, unlocked 45 days after purchase, and new schools may have 100% held for 14 days. Refunds and chargebacks also reduce the payout amount.

How long does Stripe take for the first payout on a new account?

Stripe typically completes the first payout 7 to 14 days after the first live payment, depending on industry, country and risk level. After that, payouts follow your schedule: daily by default where supported, or weekly, monthly or manual.

Why was my payout put on hold after a launch?

A sudden spike in sales on a new or small account looks like risk. Processors may add a reserve or review the account. Stripe, when it finds an unacceptable risk, typically pauses payouts for 120 days. Warning your processor before a launch reduces the chance.

Can I get paid daily as a course creator?

Often, once the account is past its first weeks. Stripe defaults to daily payouts where supported, Teachable offers daily payouts on paid plans, and Kajabi may open daily schedules after the first sale. Reserves still apply on top.

Sources

Checked November 2, 2026

TagadaPay

Plan launch cash around payout holds

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