Rewards & Payment Policy

Last updated: August 2026 — Version: 1.0

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 default threshold is $5; the exact current 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. Withdrawals and Processing Time

• Withdrawal requests are processed within 24 hours. Most complete much faster; the 24-hour window covers manual review of flagged requests.
• Rewards are delivered as digital gift cards to your account email via our issuance partner.
• A first withdrawal, or a withdrawal after unusual account activity, may require additional verification. We will tell you exactly what we need and why.
• If your redeemed total 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. Gift Card Denominations and Limits

Gift cards are issued by third-party merchants, and each merchant sets its own rules. Practical consequences:

• Some brands only exist in fixed denominations (for example $10, $25, $50). You can only redeem those exact amounts for that brand.
• Most brands have a minimum (often $5) and a maximum per card; the catalog shows the available amounts for each brand before you confirm.
• If your balance does not match a brand's available denominations, the remainder simply stays in your balance for a future redemption — it is never lost or rounded away.
• Brand availability can change without notice; the catalog reflects what our issuance partner can deliver today.

7. Issued Cards Are Final

Once a gift card has been issued, the redemption cannot be reversed, exchanged, or refunded. A delivered card is live money in the merchant's system and we have been charged for it. Please double-check the brand and amount before confirming. If a card arrives and its code does not work, contact support within 30 days with the redemption reference — we will investigate with the issuer and replace cards that were genuinely defective on delivery. We cannot replace cards whose codes were used after delivery to your email; protecting your mailbox protects your rewards.

8. 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.

9. Changes to This Policy

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

10. Questions

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