# Access Your Earnings Sooner

{% hint style="info" %}
**Note**: This feature is currently only available to partners with US accounts who are paid in USD. Reach out to [support](https://app.impact.com/support/portal.ihtml?createTicket=true&) if you'd like to know more about Lightning Pay.
{% endhint %}

#### What is Lightning Pay?

Lightning Pay helps provide financial predictability and gratification by allowing you to receive payment in advance for actions that are locked but not yet paid.

If you have a payment due from a brand and would like to receive it ahead of the due date, you can use the Lightning Pay option. A banner will appear at the top of your dashboard to inform you that you qualify for Lightning Pay. On the banner, you’ll find the option to **Show me more** (accept) or **Hide** (dismiss) the Lightning Pay offer.

<div data-with-frame="true"><figure><img src="https://347878556-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fb2rE79d9UhOKZQLgzSqx%2Fuploads%2Fgit-blob-77c65d7c5a5fd401bd2c26eabd3f9cc518129631%2F37a50471e9bed267bdd0892c4ac327abca0bf1826df3992cb9d75aec65772034.png?alt=media" alt=""><figcaption></figcaption></figure></div>

#### Set up Lightning Pay

1. After selecting **Show me more** on the banner, a feature card will appear.

   <div data-with-frame="true"><figure><img src="https://347878556-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fb2rE79d9UhOKZQLgzSqx%2Fuploads%2Fgit-blob-0e965ffd8dfe65fecf60ad2c648e22383595580f%2F53250c0097117458479b720aa88b3c52296bc80571300deda07547b8a9991633.png?alt=media" alt="" width="563"><figcaption></figcaption></figure></div>
2. Select **Discover More**.
3. On the **Choose an offering** feature card, select **Discover More** under your preferred offering.

   <div data-with-frame="true"><figure><img src="https://347878556-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fb2rE79d9UhOKZQLgzSqx%2Fuploads%2Fgit-blob-58463aa4b94dc4665b050061134c6200eedb6009%2Fe2a6014dd52cca48084023b136650d99cdea117699eeade2b349afb25c3b4907.png?alt=media" alt="" width="563"><figcaption></figcaption></figure></div>

   * The **Advance once** option is a 1-time advance. After accepting the terms and the advance, it may take up to an hour for the advance to appear in your balance. When the advance has been added to your balance, the withdrawal will follow your [autopay settings](https://help.impact.com/partner/what-would-you-like-to-learn-about/platform-features/finance/payments-withdrawals-and-balance/select-how-often-you-get-paid-as-a-partner) (typically on the 1st or 15th of every month or when a limit is reached).

     <div data-with-frame="true"><figure><img src="https://347878556-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fb2rE79d9UhOKZQLgzSqx%2Fuploads%2Fgit-blob-79633074e74d972baee1e01c4440d806a5c80061%2F0cb0d5eb0473756c24d3c0676e299aa1b10cc3b807203f69644004c71ae9bed6.png?alt=media" alt="" width="563"><figcaption></figcaption></figure></div>
   * The **Always advance** option automatically sends recurring advance funds to your account whenever you qualify, so you don’t need to log in and accept each offer manually. Follow the steps below to set up recurring advances.

#### Set up recurring advances

After accepting a 1-time offer, the confirmation page will give you the option of whether or not you want future payments to be advanced too. Subscribing to Lightning Pay ensures that payments are received as soon as possible, and removes the need to log in and manually accept every advance.

<div data-with-frame="true"><figure><img src="https://347878556-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fb2rE79d9UhOKZQLgzSqx%2Fuploads%2Fgit-blob-cbbd878cf1cf28cbc27d8eb049524b3f6ce95a57%2Fb56a9e7c50c77ce5242e9f1e80975e5ea4a8889badf5f82b265a2c4011618600.png?alt=media" alt="" width="375"><figcaption></figcaption></figure></div>

1. Select **Go to recurring advances** to go to the subscription management page.
2. Select ![](https://347878556-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fb2rE79d9UhOKZQLgzSqx%2Fuploads%2Fgit-blob-d2954616dc486c3e12c9211e20ff376bda0ab1af%2F7586e04e82e7c7203e5c82320dd417f8ac564cae5035024fdf0eb2ed017e6376.svg?alt=media) **I accept the Terms and Conditions of the Lightning Pay agreement**.
3. Then select **Start recurring advances** to subscribe.

   <div data-with-frame="true"><figure><img src="https://347878556-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fb2rE79d9UhOKZQLgzSqx%2Fuploads%2Fgit-blob-a244acf6d2ae6cc896cf104b17d93fee3d8f9aa0%2Fcbbe0368632f171c5a731827cd40c91f8343b8b9e498d0ac565f69b8ce4c8ba9.png?alt=media" alt="" width="563"><figcaption></figcaption></figure></div>

#### Stop recurring advances

When subscribed to recurring advances, you should see a banner at the top of your dashboard that links to your subscription management page.

1. Select **Manage advances** on the banner to go to the subscription management page.
2. Select **Stop recurring advances** to unsubscribe. This disables the recurring subscription.

   <div data-with-frame="true"><figure><img src="https://347878556-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2Fb2rE79d9UhOKZQLgzSqx%2Fuploads%2Fgit-blob-2e7d41e270d35220fa8bcd2cf79220f51d800cea%2Fccaf17b5f4fbd7444bb9792d0e54ed6f46ca1a38f19ffc885e82e36b51d3226c.png?alt=media" alt="" width="563"><figcaption></figcaption></figure></div>

#### Advance payment processing fees

It is important to note that each advance payment incurs a service fee. The service fee will be deducted from each advance taken.

For example, an advance of $100 could incur a service fee of $3. This means that your impact.com earnings account will be credited as follows: $100 (requested advance amount) - $3 (service fees) = $97 (total payout amount). The advance should appear on your [impact.com balance screen](https://help.impact.com/partner/what-would-you-like-to-learn-about/platform-features/finance/payments-withdrawals-and-balance/balance-screen-overview-for-partners).

#### How is the advance amount recovered?

The advance is recovered from your balance once brands have paid you. When your balance is greater than 0, impact.com will automatically recover any advance amount due until the amount is fully recovered. Payments you received before issuing the advance will not be used for recovery. These advance amounts are recovered regardless of where the balance amount came from.

{% hint style="info" %}
**Example**: If you took out an advance payment because you are waiting on Brand A to payout, impact.com will provide the advance and then recover the advance amount from your balance even if the balance amount came from brands B and C and not A.
{% endhint %}

#### You had an offer but now it’s gone

There are several reasons an offer may be retracted or no longer visible:

* You have chosen to hide or dismiss the banner.
  * It will stay hidden for 60 days.
  * If you use a different device or browser it will be visible again.
* The [due date for all your locked earnings](https://help.impact.com/partner/what-would-you-like-to-learn-about/platform-features/action-management/where-can-i-see-my-pending-actions-as-a-partner) is less than 7 days into the future.
* Your payments are [overdue](https://help.impact.com/partner/what-would-you-like-to-learn-about/platform-features/finance/payments-withdrawals-and-balance/view-your-overdue-payouts).
* Your brands have failed to pay partners.
* There is an active Payment requirement [violation](https://help.impact.com/partner/what-would-you-like-to-learn-about/platform-features/finance/payments-withdrawals-and-balance/why-havent-i-received-my-payouts-yet).
* You’ve already accepted the offer.
* You are subscribed to recurring advances and any offers that appear after will be accepted automatically.

#### You opted in but can't see your locked earnings advanced

Cross-currency transactions are not eligible for an advance. For example, if a brand pays in EUR and your account is set to USD, this transaction is considered cross-currency and is not eligible for an advance.