Royalty & Withdrawal Policy

Last Updated: 20 October 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 Central Bank of Nigeria (CBN) and Anti-Money Laundering (AML) rules, every creator must verify their identity before adding a payout account, selling a paid item or withdrawing funds. Full details are in the KYC & Identity Verification Policy.

• You choose your country and verify with an ID that works there (Nigeria: NIN, BVN or passport plus a live selfie; other countries: national ID, passport or a document photo).
• Checks are run by our verification partner against official records. Your full ID number, selfie and document photos are not stored by Afri KDP.
• The person on the record must be the person operating the account. A mismatch is never approved automatically.
• Afri KDP may cancel a verification at any time; payouts are paused until you verify again.

5. Reading Earnings (AfriKDP Reads)

When a reading-plan subscriber reads your book in the online reader, you earn a fixed amount per unique page read, at the rate published on the plans page at the time (initially $0.006 per page). The naira value is fixed at the moment each page is read. Earnings appear on your dashboard immediately as pending, and are settled into your available wallet balance seven days after each page is read, after which they are withdrawn in the same way as book sales. Earnings from reading that we determine to be self-dealing, automated or otherwise abusive, or that were funded by a payment later refunded or reversed, are held for review or cancelled.

5A. Partner Distribution Earnings

Creators who sign the optional Partnership Agreement can also have their books and Marketplace products sold through approved distribution partners. The partner keeps its own share; of what AFRIKDP actually receives from the partner, authors receive 85% on books and Marketplace sellers 70%. Pages read in a partner's subscription plan are paid at the AfriKDP Reads rate or a rate published for that partner in advance. Partner earnings show on your dashboard when the partner reports them and become withdrawable once AFRIKDP has been paid by the partner, usually monthly. You can leave Partner Distribution, or exclude any item, at any time.

6. Withdrawals & Payouts

Once your wallet has available funds, your identity is verified and your payout account is confirmed, you may withdraw to your linked account.

Nigeria: after your identity and bank account are verified, Afri KDP creates a settlement account for you with Paystack. Paystack reviews it before your first payout; withdrawals open once that review is complete. Your 85% share of each book sale is then sent by Paystack directly to your bank. This is not instant: Paystack pays subaccounts in batches on its settlement schedule, normally the next working day after the sale, and bank or public-holiday delays can add a day. Your wallet shows the record of every sale either way.

Other countries: you are paid by bank transfer, mobile money (MoMo) or another available method for your country, exactly as before. No Paystack settlement account is needed.

• Minimum Withdrawal: You must have a minimum balance of ₦100 to request a payout.
• Processing Time: Wallet withdrawals are sent by transfer and usually land within minutes, though bank network delays can take up to 24 hours. Sales paid through your Paystack settlement account arrive on Paystack's settlement schedule, normally the next working day, not at the moment of sale.
• Withdrawal Fees: AFRIKDP covers standard local transfer fees. You will not be charged to withdraw your money.

7. 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.