Payment rules.

The Advertiser selects the total maximum amount they are comfortable paying, and Stripe charges exactly that selected total.

Before payment, Vyralizer shows the payment method, estimated processing fee, estimated Available budget, and estimated approved shares.

After settlement, Stripe's actual processing fee and exact net replace the estimates. The exact net becomes the Share Request's Available budget.

Available budget stays tied to the Share Request and payment record. It is not a bank account, escrow account, general-purpose wallet, or freely transferable stored value.

Funding may use debit or credit card or ACH Direct Debit. Card is faster. ACH is recommended for larger amounts, can take multiple business days, is non-guaranteed, may require verification and mandate acceptance, and may fail or be returned.

A completed ACH Checkout does not make money spendable. The Share Request shows Bank payment processing until a signed Stripe event and Vyralizer checks confirm the funding.

Failed, returned, or disputed funding does not leave spendable Available budget. Related money may be held, reversed, or reconciled.

For every $1.00 of approved Promoter Pay, $1.50 is deducted from exact Available budget: $1.00 for the Promoter and $0.50 for Vyralizer.

Vyralizer earns only after approved Promoter Pay. Rejected proof creates no Promoter Pay and no Vyralizer amount. Proof that needs changes keeps related money held.

Using Vyralizer's current observed test schedule, an illustrative $100 card payment has an estimated $3.20 processing fee, an estimated $96.80 Available budget, and up to 64 estimated approved shares at $1 Promoter Pay.

The $3.20 card amount is an estimate, not a guaranteed permanent Stripe rate. The actual Stripe fee and exact Available budget replace it after settlement.

Estimated approved shares use estimated or exact Available budget, not the gross amount charged. People choose what they share, so the estimate is not a promise of shares, clicks, views, reach, or sales.

Eligible unused Available budget may be reviewed for refund. Original processing costs and additional Stripe costs may be non-refundable.

Funding processing costs reduce Available budget, not the Promoter Pay shown on the Share Request. If a Share Request says a Promoter earns $1 for an approved share, the Promoter earns $1 when the share is approved and clears review.

Before a withdrawal, Vyralizer shows Available earnings, the requested amount, estimated Stripe/Connect costs deducted from that request, and the estimated bank deposit. Actual costs and the exact bank deposit appear after processing.

Amounts above the safe server-controlled Checkout threshold need Vyralizer review. Bank Transfer or invoice funding remains unavailable until the live provider capability is granted.

Live payment behavior applies only after Stripe/payment setup, webhooks, withdrawal review, production environment variables, and final launch approval are complete.

This plain-English policy is subject to attorney, accounting, and payment review before live public payments or final legal reliance.