Account Withdrawal Guide

The withdrawal feature enables merchants to transfer funds from their SmilePayz account to external bank accounts or digital wallets. This guide provides comprehensive instructions for secure and efficient withdrawal operations.

🚀 Overview

Account withdrawals allow merchants to:

• Transfer funds to external bank accounts
• Withdraw to USDT digital wallets
• Access real-time balance management
• Maintain proper fund flow control

📋 Prerequisites

Before initiating withdrawals, ensure you have:

• ✅ Active merchant account with sufficient balance
• ✅ Verified bank account or USDT wallet
• ✅ Access to Finance section
• ✅ Proper account permissions
• ✅ Completed KYC verification (if required)

🔄 Withdrawal Process

Step 1: Access Withdrawal Section

1. Navigate to Dashboard

   • Log in to your merchant dashboard
   • Locate the "Finance" section
   • Click on "Balance" submenu
   • Select "Payin" tab

2. Initiate Withdrawal

   • Click the "Withdraw" button
   • You will be redirected to the withdrawal interface

Step 2: Select Withdrawal Method

Available Withdrawal Methods:

Bank Account Withdrawal

• Account Type: Traditional bank transfer
• Required Information:
  • Bank account details
  • Account holder name
  • Bank routing information
  • Withdrawal amount

USDT Account Withdrawal

• Account Type: Digital currency wallet
• Required Information:
  • USDT wallet address
  • Network type (ERC-20, TRC-20, etc.)
  • Withdrawal amount

Important Steps:

1. Select your preferred withdrawal method
2. Fill in the required account information
3. Specify the withdrawal amount
4. Click "Next" to proceed to confirmation
5. Review all details carefully
6. Click "Create" to submit the withdrawal order

USDT Rate Notice

If you select "USDT Account" and encounter the error: "Current rate is not real-time. Please ask the administrator to update the rate", contact our customer service team to update the real-time exchange rate.

Step 3: Confirmation and Processing

Order Processing:

1. Submit your withdrawal order
2. Wait for financial staff confirmation
3. Monitor order status
4. Verify receipt in your external account

Processing Time:

• Bank Transfers: 1-3 business days
• USDT Transfers: 1-24 hours (depending on network)
• Weekend/Holidays: Extended processing times

⚠️ Important Considerations

Withdrawal Limits

• Minimum Amount: Varies by currency and method
• Maximum Amount: Subject to account balance and platform limits
• Daily Limits: May apply based on account tier

Security Features

• Multi-factor Authentication: Required for large withdrawals
• Account Verification: All withdrawal accounts must be verified
• Audit Trail: All withdrawals are logged and monitored
• Fraud Prevention: Advanced security measures in place

Rate Considerations

• Bank Transfers: Standard exchange rates apply
• USDT Withdrawals: Real-time rates required
• Rate Updates: Contact support for rate modifications

🔍 Troubleshooting

Common Issues

Issue	Solution
Insufficient balance	Ensure adequate funds in account
Invalid account details	Verify account information
Rate not real-time	Contact customer service for rate update
Withdrawal not processed	Check order status and contact support
Account not verified	Complete account verification process

Error Messages

{
  "code": "INSUFFICIENT_BALANCE",
  "message": "Insufficient balance for withdrawal",
  "data": null
}

{
  "code": "RATE_OUTDATED",
  "message": "Current rate is not real-time. Please contact support.",
  "data": null
}

📊 Best Practices

Before Withdrawal

• Verify account balance
• Check withdrawal limits
• Ensure account information is current
• Review exchange rates (for USDT)

During Withdrawal

• Double-check all account details
• Verify withdrawal amounts
• Keep withdrawal records
• Monitor order status

After Withdrawal

• Wait for confirmation
• Verify receipt in external account
• Keep transaction records
• Contact support if needed

Security

• Never share account credentials
• Use verified accounts only
• Monitor withdrawal activities
• Report suspicious transactions

💰 Supported Methods

Bank Account Withdrawals

• Processing Time: 1-3 business days
• Fees: Standard bank transfer fees
• Currencies: Local currencies supported
• Requirements: Verified bank account

USDT Withdrawals

• Processing Time: 1-24 hours
• Fees: Network transaction fees
• Networks: ERC-20, TRC-20, BEP-20
• Requirements: Valid USDT wallet address

📞 Support Information

For assistance with withdrawal operations:

• Customer Service: Available 24/7
• Financial Team: For order confirmations
• Technical Support: For platform-related issues
• Rate Updates: For USDT rate modifications

🔒 Security Compliance

Verification Requirements

• Account Verification: All withdrawal accounts must be verified
• KYC Compliance: May require additional verification
• Transaction Monitoring: All withdrawals are monitored
• Fraud Prevention: Advanced security protocols

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Note: Withdrawal functionality is essential for accessing your funds. Always verify account details and maintain proper records for accounting and security purposes.