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Influencer payments

How agencies pay influencers and talent, by bank and in USDT

An agency with forty creators on the roster has one payout day a month and one person who owns it. This is how that day runs in Orla: one batch per rail, one rule over all of them, and a month the accountant opens as a file.

The roster

The roster is an address book with rails

Every creator is a contact

The contact keeps how they get paid. A bank rail is picked by scheme, SEPA and IBAN, UK sort code, US ACH or SWIFT, and filled in as fields; an IBAN or a US routing number with two digits swapped is refused as it is typed. A wallet address is saved per network, with one default, and a PayPal email is a rail too.

Beside the rails sit the tax id, tags such as creator or manager, and the documents you keep on this person: the agreement, a W-9 or a W-8BEN.

A roster arrives as a file

A CSV or XLSX with a name column and whatever else it has, up to 500 rows, with a preview that says which rows are new and which are already in the book before anything is created.

Only an owner or admin can mark a contact trusted, and editing a trusted contact's rails drops the trust until it is confirmed again, because trust belongs to the exact details that were checked.

Payout day

One batch per rail, one rule over all of them

A batch draws from one account and pays in one asset, so the bank creators and the USDT creators are two batches on the same day.

The batch

Up to 200 rows: a payee, an amount, an optional note and category, typed or imported from a CSV with a preview of what matched. Each row shows where it pays, the contact's default address for the paying account's network, and is flagged when that contact has no address for it.

A row repeating a payment to the same contact for the same amount within three days is flagged before you submit.

A roster paid every month

A template: the saved row list plus a schedule, monthly on a day or weekly. On the day Orla prepares the draft and tells its author it is ready; sending is always a person's press, because who is on the roster changes from month to month.

By bank

On a plain bank account Orla records the transfers and the transfers are made in the bank. On a connected Revolut Business or Airwallex account Orla prepares the whole run as one draft inside the bank, so forty payments are approved once there, and only the lines the bank actually paid are recorded as spent.

From a connected Mercury account each payment is requested into your Mercury approval queue, in US dollars. From Slash a person presses Send via Slash.

By PayPal

With a PayPal Payouts credential connected, the creator's PayPal email is a rail and the batch is paid from the PayPal balance. A per-payout ceiling set when you connect refuses a single payout above it even with a full quorum, and Pay via PayPal is a press.

A payout PayPal returns unclaimed is noticed, and Orla books the refund itself so the books net out.

In USDT or USDC

From your own wallet on TRON, Solana, Ethereum, Base, Arbitrum or Polygon. The run sends every approved payment of one wallet in one sitting with the wallet unlocked once, screens addresses never screened before, and shows what the network will cost next to the balance.

A run that is 60% funded pays 60% of the people, and the rest stay approved for after the top-up with no second round of signatures.

Who signs

Who signs, and from where

The rule

Payments above a threshold need a number of signatures, and a batch is checked on its total, so a payout split into small rows needs the same signatures the whole amount would. Whoever proposes a payment cannot sign it.

A rule can name who may sign, and address-book only forces signatures for any destination that is not a trusted contact.

Where the signer is

The notification names the contact, the amount and the rail: the network and a shortened address for a wallet, the last digits of the account for a bank payee. A whole batch can be signed or rejected from Telegram or Slack with one button. Building the batch and sending the run stay at a desk on purpose.

Nobody gets stuck

The owner can always reject a payment and a proposer can withdraw one, so nothing waits on somebody who is away. On Scale a rule can also give a named person a monthly allowance they may send without a signature.

Who owes whom

The brand side, the creator side, and the margin

The brand side

Each campaign is invoiced, and a signed agreement can be read into a billing schedule so the invoices go out on their dates. What should arrive this week and who pays slowest answer from the invoices themselves, and a reminder with the pay link goes out on its stage without anyone writing it.

The creator side

A creator who invoices you forwards the invoice to the space's own address, and it becomes a draft bill for a person to accept; where to pay comes from the contact card, never from the email.

A creator who never sends a document can be covered by a self-billed invoice written on their behalf, where that is switched on for the space, with a plain warning that a tax office may refuse one without a self-billing agreement.

The margin

Costs and income carry a project, and profit and loss by project reads the margin per campaign from the same rows. Ad spend runs on virtual cards funded from one prepaid balance, each card with its own ceiling.

Arithmetic, not a customer

One campaign, twelve creators, one batch

The numbers are an example worked through, the way the project report reads them.

Campaign project, one month
The brandInvoice · one campaign, invoiced+24,000
Twelve creatorsBatch · one payout batch, one rule19,200
Margin on the campaign20% of the invoice, read from the same rows4,800

The specifics

What this is not

The part a sceptic reads first.

Not an employer
Not an employer of record and not a marketplace: no classification, no withholding, no 1099 filing, no creator discovery.
Not a place for the roster's money
Bank payouts leave from your bank, PayPal payouts from your PayPal balance, on-chain payouts from your wallet with keys encrypted in your browser. Orla holds money in two places only, both funded by you on purpose: the card balance and an agent's wallet.
Connections
PayPal Payouts needs your own PayPal credential with the Payouts permission. Revolut Business opens its API only on its Grow, Scale and Enterprise plans, and Mercury pays US dollars only.
Plans
A payout batch of up to 200 rows is on every plan, and the breakdown of who was paid starts on Pro; one approval rule with a threshold, a signature count and the address-book switch is on every plan.

Questions

The questions agencies ask about payout day

Can I pay some creators by bank and others in USDT on the same day?

Yes, as two batches: one from the bank account, one from the wallet. A batch draws from one account and pays in one asset, and both batches pass the same approval rule on their totals.

Does a creator need an Orla account to be paid?

No. A creator is a contact with rails, not a seat. The money reaches their bank, their PayPal or their wallet like any transfer.

What happens on payout day when the founder is travelling?

The batch is proposed by whoever prepares it and signed by the people the rule names, from Telegram or Slack. The proposer cannot sign their own batch, and if the rule asks for more signatures than there are eligible signers, the Payments page says so with the numbers before anyone waits on it.

What does the accountant see?

The month as files: the journal, a statement per account in the Xero and QuickBooks Online presets, the invoices as PDFs, and the payments with who proposed and who signed. The accountant's seat reads and exports but never pays.

Can creators be paid in their own currency?

By bank, from a currency pocket you hold: each pocket of a connected Revolut Business or Airwallex account is its own account in Orla, so a EUR batch is a EUR batch. In stablecoins, in USDT or USDC on the network the creator uses.

See it on your own books

Thirty minutes: we connect an account, drop a real bill in, and close a month together.