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Rewards & Payment Policy

Last updated: September 2026 — Version: 1.2

This policy explains, in plain language, how money moves through Jokaya: when credits appear, when they can disappear, when you can withdraw, and what happens when something goes wrong. It forms part of our Terms of Service. We would rather tell you the uncomfortable details up front than surprise you later.

1. How You Earn Credits

When you complete an offer and the advertiser network reports the conversion to us, we credit your account with the amount shown on the offer page at the time you clicked it. Credits are denominated in US dollars. Every credit appears in your account history with the offer name, date, and status, and every later change to it (validation, reversal) appears as its own dated entry. Your history is the authoritative record.

2. Withdrawal Threshold

You can request a withdrawal once your mature balance (see Section 3) reaches the minimum threshold. The current threshold is $10.00; the value is always displayed on the withdrawal page of the site, and the value shown there prevails over this page if they ever differ. We keep the threshold low on purpose: a threshold you can realistically reach is part of being a trustworthy rewards site.

3. The Holding Period (Why Your Credit Says "Pending")

New credits go through a maturity ("holding") period before they become withdrawable. The current duration is shown next to each pending credit in your account.

Why it exists: advertisers do not pay us the instant a conversion is reported. They audit conversions — sometimes for days or weeks — and they validate some and cancel others (fraud, returned purchases, unmet conditions, duplicates). The holding period aligns what you can withdraw with what advertisers have actually had a reasonable chance to validate. Without it, we would either have to pay out money that later gets clawed back (and then chase users for it), or inflate margins to absorb the losses, which would mean lower payouts for everyone. The holding period is the honest middle ground.

Some low-risk offers mature faster; some high-payout offer categories (like financial sign-ups) mature slower because their networks audit longer. The offer page shows the expected timeline before you start.

4. Reversals — The Frank Version

This is the part of the industry that most sites explain badly, so here it is plainly:

  • An advertiser network can invalidate a conversion after approving it. Common reasons: the advertiser's fraud team flagged the traffic, a purchase was refunded, a trial was cancelled before the qualifying period, the same person completed the offer twice, or the offer conditions were not actually met.
  • When that happens, we remove the corresponding credit from your balance — even if it was already displayed, and even if it had matured. We do not keep money the network took back, and we cannot pay out money we never received.
  • Your balance can go negative. If a reversal lands after you already withdrew the funds, your balance will show a negative amount. Future earnings are applied to the negative balance first. We will not demand repayment outside the platform for ordinary reversals; a negative balance simply has to be earned back before your next withdrawal. (Deliberate fraud is a different matter, handled under the Prohibited Conduct policy.)
  • Every reversal is visible. Your history shows the reversed credit, the date, and the network's stated reason where the network provides one. We pass through only genuine network reversals — we never use "reversal" as a cover for confiscating legitimately earned balances.

5. How Withdrawals Are Paid (PayPal)

  • Withdrawals are currently paid by PayPal, in US dollars, to the PayPal account identified by the email address you enter on the withdrawal page. You need a PayPal account in your own name that can receive payments.
  • A verified email address is required before you can request a withdrawal. You can start earning without it; verify the address of your Jokaya account from your dashboard or the withdrawal page whenever you like, and in any case before your first withdrawal.
  • The minimum withdrawal is $10.00 of mature balance. The amount you request is deducted from your balance as soon as you submit the request, and the withdrawal appears in your history with its status.
  • PayPal payments are sent manually by our team, not by an automated system. Approved withdrawals are paid within a maximum of 7 US business days, excluding holiday closures announced on the site in advance.
  • Anti-fraud review. A first withdrawal, a larger withdrawal, or a withdrawal following unusual account activity may be held for review before approval. We may ask you for additional verification and will tell you exactly what we need and why. A review can extend the timeline above; we aim to complete it within 14 days.
  • When the payment is sent, we email you and your withdrawal history shows the PayPal transaction reference.
  • If a withdrawal is refused — for example because the PayPal account cannot receive the payment — the full amount is returned to your balance as a visible, dated entry. Credits forfeited under the Prohibited Conduct policy are not returned.
  • If the total paid out to you reaches the US tax reporting threshold ($600 in a calendar year), we may need to collect tax information before releasing further withdrawals — see the tax guide.

6. Fees

Jokaya does not charge any withdrawal fee: the amount you request is the amount we send, and any fee PayPal charges us for sending it is ours to bear. PayPal may, however, apply its own fees or conversion rates on your side — for example if your PayPal account holds a currency other than US dollars, or when you move money from PayPal to a bank. Those fees are set by PayPal under your own agreement with it and are outside our control. If we ever introduce a fee for a payout method, it will be displayed on the withdrawal page before you confirm, and never applied retroactively.

7. Your PayPal Address and Final Payments

  • You are responsible for the PayPal email address you enter. Please double-check it before confirming: it must be the address of a PayPal account that belongs to you. Paying someone else's account, or using the same PayPal account for several Jokaya accounts, is not allowed (see the Prohibited Conduct policy).
  • A payment sent to the address you entered is final. If that address belongs to someone else's PayPal account, the money is delivered to that account and we cannot recover it; we are not liable for, and will not resend, a payment made to an incorrect address you provided.
  • If the address is not linked to any PayPal account, PayPal usually returns the unclaimed payment to us after about 30 days. Once it is back with us, we credit it to your balance or resend it to a corrected address — contact support.
  • Need to correct the address? Contact support before the payment is sent; we can cancel the request and return the amount to your balance. Once a payment has been sent, it cannot be changed.

8. Other Payout Methods

We may offer additional payout methods in the future, such as digital gift cards from US brands through an issuance partner. When a method is available, the withdrawal page shows it together with its specific rules (for example denominations, delivery, and whether an issued reward can be refunded), and we will update this policy before or when it launches.

9. An Offer Did Not Credit — What to Do

Tracking between advertiser sites and networks fails sometimes; it is the most common support topic in this industry. Here is the procedure that actually gets results:

  1. Wait the crediting delay shown on the offer page. Many offers credit within minutes, but some legitimately take hours or days — the offer page states the expected delay. A missing credit inside that window is normal, not a problem.
  2. Then open a support ticket from your account, selecting the offer concerned, and attach evidence: confirmation emails from the advertiser, screenshots showing completion (with visible dates and account identifiers), receipts for purchase-based offers.
  3. Do this within 30 days of completing the offer. Networks refuse claims older than their own audit windows, so we cannot pursue claims filed more than 30 days after completion.
  4. We file the claim with the network and tell you the outcome. Honest disclosure: the network's decision is usually final — we can advocate, but we cannot force an advertiser to pay for a conversion its systems never recorded. We win a meaningful share of well-documented claims, which is why the evidence matters.

Ways to keep tracking from failing in the first place: complete the offer in the same browser session you clicked from, disable VPNs and aggressive ad blockers during the offer, and do not switch devices mid-offer.

10. Changes to This Policy

We may adjust thresholds, timelines, and payout methods as networks and payment providers change their own terms. The values displayed in the product (withdrawal page, offer pages) are always the operative ones. Material changes to this policy are announced in advance under the process described in the Terms of Service.

11. Questions

Anything unclear about a credit, a reversal, or a withdrawal: open a ticket from your account or email [email protected]. Showing you exactly what happened to your money is the point of this site.