Payouts
5 articlesGetting paid is one of the best ways to earn XP. This article covers every payout-related way to earn XP and how your Monthly Payout Cap works.
| Action | XP Earned |
|---|---|
| Get your first payout | 2 XP |
| Get a payout of $2,000 or more | 3 XP |
| Get a payout of $10,000 or more | 5 XP |
| Get 3 total payouts | 5 XP |
| Get 3 payouts in the same month | 5 XP |
| Get 10 total payouts | 10 XP |
XP from payouts is added automatically once your payout is processed. No need to contact Support for these.
What is the Monthly Payout Cap?
Your Monthly Payout Cap is the most you're able to withdraw in a single month. It increases automatically as you climb the Loyalty Levels.
| Level | Monthly Payout Cap |
|---|---|
| Level 1 (Beginner) | $25,000 |
| Level 2 (Amateur) | $27,500 |
| Level 3 (Experienced) | $30,000 |
| Level 4 (Expert) | $35,000 |
| Level 5 (Master) | $40,000 |
What Are the Payment Methods for your payouts?
We currently support the following payout method:
Note: A 2% processing fee is charged on all payouts.
Before Requesting a Payout
Before submitting a payout request, make sure your Rise account is already linked to your dashboard.
To link your Rise account:
- Go to Settings in your Dashboard.
- Select Payment.
- Click + Add Method.
- Connect your verified Rise account.
Your Rise account must be linked and verified before submitting a payout request. Otherwise, you'll receive an "Activation Required" prompt directing you to Settings → Payment Methods to activate your Rise account.
Once you add Rise as your payment method, a Rise Works invitation will automatically be sent to your registered email address.
Your Rise Works invitation will look like this:
Steps to Onboard with Rise Works:
- Click the Accept Invite button in the email.
- Enter your personal details.
- Complete the KYC (Know Your Customer) process.
- Create your Rise ID and set a Signing Key.
- Address all action items in the Rise Works dashboard.
After successfully completing the Rise verification process, your linked payment method will appear in the Payment section of your Dashboard similar to the image below.
How the Payout Process Works
When you're eligible for a withdrawal, a Payout Request button will appear in your account dashboard.
Once you submit your payout request, our Accounts Team will be notified to review your request.
All payout requests undergo a detailed risk review and are typically processed within 24–48 business hours. Once approved, the funds will be sent to your linked Rise account.
Your payout certificate will be accessible in the Certificates section of your dashboard.
Challenge Fee Refund Policy (Updated)
Starting February 5, New 1-Step and 2-Step challenge accounts will no longer be eligible for a challenge fee refund on the first payout.
Previously, the challenge fee was refunded once a trader received their first payout. Under the updated policy, no refund will be issued for New 1-Step and 2-Step accounts purchased on or after February 5, even after successfully passing the challenge and receiving a payout.
Important Notes:
- Only 1-Step and 2-Step accounts purchased before February 5, 2026 are eligible for a challenge fee refund.
- Instant Funding and Instant PRIME accounts do not include a challenge fee refund.
- Apart from the refund conditions mentioned above, we have a strict no refund policy.
- The minimum payout requirement is 2% of the initial balance.
At Top One Trader, maintaining a secure and fair trading environment is a top priority. As part of this commitment, we enforce strict policies regarding the use of payment methods on all accounts.
Use of Payment Methods
All payments made on your account must be completed using payment methods that are fully owned and controlled by you, the account holder.
The use of third party payment methods, including credit or debit cards belonging to friends, family members, or any other individual, is strictly prohibited.
Why This Policy Exists
This policy is in place to prevent fraudulent activity, including unauthorized transactions and chargebacks. It ensures that all account activity remains secure, transparent, and compliant with financial regulations.
Verification Process
As part of our standard payout review process, we may conduct additional checks on your account. If our risk assessment identifies:
- The use of multiple cards or payment methods
- Cards issued from different countries
- Any inconsistencies in payment behavior
- Or other indicators of suspicious activity
We reserve the right to request further verification before processing a payout.
What We May Request
In such cases, you may be asked to provide proof of ownership for the payment methods used on your account. This can include:
- A photo of the payment card, with sensitive details masked
- A bank statement showing relevant transactions
- Additional documentation confirming ownership
All information is handled securely and in accordance with our privacy policies.
Important Note
Failure to provide the requested documentation, or evidence that payment methods were not owned by the account holder, may result in:
- Delays or rejection of payout requests
- Account restrictions
- Account termination in severe cases
Final Reminder
To avoid any issues, always ensure that only your own payment methods are used when purchasing or funding accounts.
If you have any questions about this policy, our support team is available to assist you.
On your credit card statement, the charge will appear as "Top One Trader, LLC." We recommend reviewing your statements regularly to ensure accuracy.
If you have any questions or concerns, please don’t hesitate to reach out to us!