Payment Protection & Smart Credit System
Your comprehensive guide to understanding how your earnings are protected and when they become available for withdrawal
Why Payment Protection?
The escrow system protects all parties: Students are assured their money won't be released until they receive their work, and you as a tutor are guaranteed the money exists and will be released to you after completing the work.
When the student pays, money is held on the platform and doesn't go to any party
You work knowing the money exists and is waiting for you
After the safety period, earnings are automatically released to your wallet
Your Wallet Structure as an Tutor
Your wallet consists of several balance types, each with a different status:
Frozen Balance
Earnings from completed orders still in the review period. Cannot be withdrawn yet.
Available Balance
Earnings that have passed the review period and are ready for withdrawal to your bank account.
Released Earnings
Amounts that have been actually withdrawn to your bank account or chosen payment method.
Refunded Earnings
Amounts returned to the student due to disputes or cancellations. Deducted from your earnings.
Your Earnings Journey from Order to Withdrawal
Student Creates an Order
Student specifies requirements and expected budget.
You Submit a Proposal & Get Accepted
You send your proposal with price and duration. If accepted, student is asked to pay.
Student Pays - Funds Are Held
Amount is held in escrow system. You see it in your dashboard but cannot withdraw.
You Complete & Deliver the Work
You upload deliverables and submit the order. Student reviews the work.
Student Accepts or Review Period Ends
If student accepts the work, or review period ends without dispute, the freeze period begins.
Freeze Period Ends
After the safety period ends (30 days for large services, less for small), earnings are automatically released.
Freeze Periods (Safety Period)
The freeze period protects both parties: gives the student time to discover any issues, and protects you from frivolous disputes after a long time.
| Service Type | Freeze Period | Examples |
|---|---|---|
| Small Services (Questions) | 72 hours (3 days) | Solving a question, explaining a concept, quick review |
| Medium Services | 7-14 days | Short reports, small projects, summaries |
| Large Services (Projects) | 30-100 days | Graduation projects, research, complex programming |
⚠️ Important Note
If the student opens a dispute during the freeze period, earnings remain frozen until the dispute is resolved. Therefore, always ensure:
- Deliver high-quality work that matches requirements
- Communicate clearly with the student
- Document everything (requirements, changes, approvals)
Platform Fees & Deductions
Platform fee per transaction
What Does the 10% Fee Cover?
- Escrow System: Protecting your money and student's money
- Dispute System: Dedicated team for resolving conflicts
- Infrastructure: Servers, security, encryption
- Technical Support: Helping you around the clock
- Marketing: Bringing new students to the platform
Calculation Example:
Student Pays: 100 SAR
Platform Fee (10%): -10 SAR
Your Net Earnings: 90 SAR
* Intermediary commission may be added if order is through an intermediary
What Happens in Case of a Dispute?
Student Opens a Dispute
Explains the problem and attaches evidence (chats, files, etc.)
You Have 48 Hours to Respond
Submit your defense and evidence. If you don't respond, it escalates to admin automatically.
Admin Review
Our team reviews evidence from both parties and makes a fair decision.
Final Decision
Earnings released to your wallet
Part for you and part for student
Money returned to student
💡 Tips to Avoid Disputes
- Read order requirements carefully before applying
- Ask about any unclear points before starting
- Deliver work before the deadline
- Communicate continuously with the student
- Document approvals for any scope changes
Smart Credit System (For Advanced Tutors)
The Smart Credit system allows you as an advanced tutor to offer students the ability to pay later. This feature is only available to tutors with high reputation and excellent track record on the platform.
How Does Smart Credit Work?
Eligibility Assessment
The system calculates a credit score for students based on:
- Previous payment history
- Profile completeness
- Membership duration
- Identity verification
Credit Limit Determination
Each eligible student gets a credit limit (e.g., 500 SAR). They can use this limit to pay later.
Example: A student with 500 SAR limit can order a 200 SAR service and pay later.
Repayment
Student repays the amount within the grace period (usually 30 days) either:
- Full single payment
- Comfortable installments
Tracking Granted Credit
In your dashboard, you can monitor:
⚠️ Credit Risks
Granting credit carries risks:
- Late Payment: Student may be late on payment
- Non-Payment: In rare cases, student may not pay
Your Protection: The platform monitors overdue payments and takes action against defaulting students (account suspension, negative report).
How to Qualify for Granting Credit?
- ✅ Complete 50+ orders successfully
- ✅ 4.5+ star rating
- ✅ Dispute rate less than 5%
- ✅ Membership for more than 6 months
- ✅ Fully verified account
Withdrawing Your Earnings
Available Withdrawal Methods
Bank Transfer
Direct to your bank account (1-3 business days)
Digital Wallets
STC Pay, Apple Pay (instant - 24 hours)
Withdrawal Requirements
- Minimum Amount: Check your wallet settings for approved minimum
- First Waiting Period: 30 days from first earning
- Verification: Verified account with correct bank details
Frequently Asked Questions
When do my earnings change from frozen to available?
After order completion and the freeze period ends (usually 30 days for large projects, less for questions). If there are no disputes, earnings are automatically transferred to your available balance.
What if the student doesn't accept the work and doesn't open a dispute?
Earnings are automatically released after the maximum review period ends (100 days maximum for large projects).
Can the student get a refund without my approval?
No. Refund requires either your approval of the dispute, or an admin decision after reviewing evidence from both parties.
What if the earnings transfer to my account fails?
The amount is returned to your available balance and you can retry. Verify your bank account details are correct.
How do I know the status of my earnings from each order?
From Dashboard > Earnings, you'll find a table showing each earning and its status (frozen, available, released, refunded) with expected release date.
Is the platform fee deducted from every order?
Yes, 10% fee is automatically deducted from each transaction. The amount you see as earnings is the net after deduction.
Have Questions?
Our support team is available to help you with any questions about your earnings or wallet.
