Royalty & Withdrawal Policy

Last Updated: July 2026

AFRIKDP is designed to get your money into your hands as quickly and transparently as possible. This policy outlines how revenue is split, how wallets are funded, and the rules governing withdrawals. AFRIKDP runs two separate revenue structures depending on where you're selling — read the section that matches what you publish.

1. Author Royalty — Books (85/15)

Governed by the Author Agreement, signed when you publish your first book. For every paid book sale:

• Author Share (85%): You keep eighty-five percent of the final sale price.
• Platform Fee (15%): AFRIKDP retains fifteen percent. This covers all payment processing fees (Paystack), secure cloud storage, server costs, and platform maintenance. There are no hidden fees.

2. Marketplace Royalty — Courses, Templates, Design, Audio & Freelance Services (70/30)

Governed by the Merchant Agreement, signed separately before your first Marketplace listing or freelance gig goes live. Marketplace covers everything outside of books — video courses, templates & software, images & graphics, audio & music, and freelance/escrow services. For every paid Marketplace transaction:

• Creator Share (70%): You keep seventy percent of the final sale price.
• Platform Fee (30%): AFRIKDP retains thirty percent. Marketplace listings carry a higher fee than books to cover payment processing, escrow protection on freelance gigs, dispute handling, and hosting for larger file formats (video, audio, software).

Signing the Author Agreement does not automatically enroll you in the Marketplace, and signing the Merchant Agreement does not change your existing book royalty. Each is verified and activated independently — you can hold both at once on one account.

3. Wallet Funding

When a reader successfully purchases your book, your 85% share is instantly credited to your internal AFRIKDP Wallet as an "Available Balance." You can track these earnings in real-time via your Creator Dashboard.

4. Identity Verification (KYC)

To comply with the Central Bank of Nigeria (CBN) and Anti-Money Laundering (AML) regulations, all creators must verify their identity before withdrawing funds.

• You must provide a valid Bank Verification Number (BVN) or National Identity Number (NIN).
• The name on your AFRIKDP profile and bank account must match your verified identity.
• Failure to verify your identity will result in a hold on your withdrawal capabilities.

5. Withdrawals & Payouts

Once your wallet has available funds and your KYC is verified, you may initiate a withdrawal to your linked local bank account.

• Minimum Withdrawal: You must have a minimum balance of ₦100 to request a payout.
• Processing Time: Withdrawals are typically processed instantly via Paystack Transfers, though bank network delays may occasionally take up to 24 hours.
• Withdrawal Fees: AFRIKDP covers standard local transfer fees. You will not be charged to withdraw your money.

6. Chargebacks & Fraud

If a buyer disputes a charge with their bank (a chargeback) or a transaction is flagged as fraudulent, AFRIKDP reserves the right to deduct the disputed amount from your wallet balance. If your balance is zero, it may result in a negative balance that will be offset by future sales.