Campaign pay is quoted in US dollars, but that’s not always the currency that reaches your bank. This page explains what you actually receive, what it would take to be paid in USD, and what you can download at tax time.

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What currency you’re paid in

Your earnings are credited in USD. When you withdraw, Stripe converts them to the local currency of your payout country: the country you selected when you set up your payout account, and sends that to your bank. So if you earn $100.00 and your payout country is in the eurozone, what lands in your bank is the euro equivalent at the time of the payout, not $100.00. The gap is Stripe’s currency conversion. It isn’t a NewWave fee and we don’t take a cut of it.
A card payout account’s country is fixed for the life of the account, so your payout country isn’t something you can edit yourself. Message support and we’ll put you on the right setup. See Changing your payout country.

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Can I be paid in USD instead?

Yes, on the Wise or PayPal rails. Those pay you in USD directly, wherever you live, because the money never lands in a card payout account that would convert it on arrival. You choose the rail yourself under Manage payouts, and you identify the account with your Wisetag or the email on your Wise or PayPal account. That is the whole reason those rails exist, so if the conversion is what bothers you, this is the fix. On the card payout rail it works differently: there the currency follows the country of the payout account, so USD means a United States payout account, and those are verified as belonging to a US person:
  • A US taxpayer identification number: an SSN, or an ITIN if you’re a non-resident who has one
  • A US address
  • Your date of birth, for identity verification
A US card payout account can start out working, payouts enabled and money arriving, and be asked for the SSN later once it has some history behind it. Payouts pause until you provide it. If you don’t have an SSN or ITIN, a US account will eventually stop paying you. Don’t open one hoping to be paid in USD: take the Wise or PayPal rail above, which pays USD without claiming you’re a US person.
Attaching a Wise or Revolut account that has US routing details to a US card payout account does not work. Those give you US bank details, and they’ll be accepted as a destination, but they don’t make you a US person for verification, and the identity check is the one that eventually blocks payouts. Using Wise as its own rail is a different thing entirely, and that does work.
Withdrawing in larger, less frequent amounts won’t reduce what conversion costs you. It’s charged as a share of the amount converted, so batching changes nothing. Switching to the Wise or PayPal rail removes the conversion entirely.

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Changing your payout country

Message support with the country you’re in and we’ll set this up for you. It isn’t self-serve, and that’s deliberate: a card payout account’s country is fixed for life, so changing it used to mean destroying your account and rebuilding it, re-running identity verification and re-adding your bank. That’s usually not necessary any more. If you’re somewhere our card payout partner doesn’t cover, you don’t need a card payout account in your country at all: we can pay you in USD on the Wise or PayPal rail instead. Support will put you on whichever one actually fits, which is why a person handles this rather than a button.
Your balance isn’t affected. Anything you’ve already earned pays out as it would today. Only later earnings follow the new setup, and you don’t need to withdraw down to zero first.
When writing in, tell us the country you’re actually in. If you’d rather be paid in USD than in your local currency, say so, because that changes which rail we put you on.

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Records for your tax filing

You’re paid as an independent creator, not an employee. In most countries that means you invoice us, rather than waiting for an invoice from us: check with your local tax advisor about what your own filing requires. What we can provide: A payment statement shows each payment: the date, the brand, the campaign, the amount credited in USD, and the amount that reached your bank in your local currency. That currency pair matters: your advisor will usually want both figures, since we credit you in USD but your bank received something else.
If you’ve changed payout country, your Stripe Express dashboard only shows the history of your current account. Anything you earned before the switch lives on the old one. A payment statement covers your full history either way, so use that instead.
US creators: tax forms such as a 1099 are handled separately from payment statements. If you need one, ask support rather than assuming it will arrive: we’ll tell you where you stand.
Nothing here is tax advice. Rules differ by country and by your own situation: your tax advisor is the right person to tell you what you owe and what to file.

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Common questions

Two things cause this. Currency conversion, if you’re on the card payout rail outside the US: your USD earnings are converted to local currency at payout. And the roughly 2% Instant fee, if you chose Instant instead of Standard. Standard withdrawals to your bank are free, and the Wise and PayPal rails pay USD with no conversion.
Your NewWave balance is always held in USD. The conversion happens on the way out, and only on the card payout rail outside the US. On Wise or PayPal it stays USD the whole way.
Wise as its own payout rail works, and pays you in USD. What doesn’t work is attaching US routing details from Wise or Revolut to a US card payout account: the bank details are accepted, but the identity check behind that account still wants a US person, and that’s what eventually blocks payouts.
No. You have one active payout destination at a time. Changing it replaces the one you have.

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Next steps

Withdrawing your money

Standard vs. Instant, the Activity feed, and what each status means.

Set up payouts

Complete Stripe onboarding so withdrawals unlock.

How earnings work

How earnings accrue, freeze, and settle into your balance.

Contact support

Change your payout country, pick a different payout rail, or ask for anything a statement doesn’t cover.