Funds from a paid transfer land in your ZeFile balance the moment the buyer's payment confirms — typically within seconds for card and Mobile Money. Once they're in your balance, you decide when to withdraw.
## Balance vs withdrawal
The platform fee is deducted automatically when the sale lands. So a 10,000 XOF sale on Free shows up as 9,300 XOF in your balance immediately — that's yours.
## Withdrawing
Withdraw any amount above the minimum (varies by method) any day, any time. Mobile Money: 5 min to 1 hour. Bank: 1 to 3 business days.
## Holds and exceptions
First-time large transactions sometimes get a brief review — usually under an hour. Card chargebacks (rare) can hold the corresponding amount for the dispute period. We'll always tell you if anything is on hold and why.