TakeProfitTrader Payout Rules: Complete, No-BS Guide

This guide breaks down exactly how payouts work at TakeProfitTrader (TPT): eligibility by account type, how to request and get paid, realistic timelines, minimums and buffers, and practical tactics to avoid denials. I’ve traded these accounts myself and pulled payouts—so this is not theory.

Quick Snapshot — Payouts at a Glance

• Eligible from Day 1 (funded): Once you pass into PRO or PRO+, you can request a payout immediately (no “first-payout window” games).
• Typical processing: Requests submitted via the dashboard; in my tests, funds landed within ~1 business day (method-dependent).
• Profit split: PRO = 80/20, PRO+ = 90/10 in your favor. Edge case: if an account is closed in drawdown <60 days, remaining profits may pay at 50%, then back to 80% ≥60 days.
• Minimum payout: $250.
• Buffer rule: You can only withdraw what’s above the drawdown buffer (e.g., on a $50K account with a $2,000 buffer, $52,500 balance ⇒ $500 max withdraw).
• Methods most traders use: Plaid (US banks), Wise, PayPal, or internal wallet (handy for resets/rebuys).

Account Types & What Changes for Payouts

1) Test (Evaluation) — No Payouts

You’re proving skill here (EOD trailing drawdown, 5 min. trading days, 50% consistency cap during the test). Pass it and you move to funded. No payouts at this stage.

2) PRO — Funded (Sim) with Day-One Payouts

• Split: 80/20 to the trader.
• Drawdown: Intraday trailing—the buffer moves with unrealized equity; that’s why the “above-buffer” part matters on payout day.
• Eligibility: No fixed day count once funded—just be above buffer + minimum. Min withdrawal $250.
• Reality check: Intraday trailing means if you spike PnL and then give it back before flattening, your trailing line already advanced—stay disciplined on submission days.

3) PRO+ — Funded (Live feed) with Day-One Payouts

• Split: 90/10 to the trader.
• No Daily Loss Limit (still respect overall drawdown). This is the “breathe easier but still be precise” tier.
• Eligibility & minimum: Same idea as PRO—above buffer and ≥$250 request.

Payout Methods & Typical Timing

• Plaid (US), Wise, PayPal, or internal wallet right from your TPT dashboard. In my tests, approvals were quick and funds hit within ~1 business day. You can request as often as daily as long as your balance stays above buffer.

Pro tip: pick the method you’ll stick with and keep details current; mismatches or stale info slow things down.

Step-by-Step: How to Request a Payout

1. Check eligibility
   • Funded account (PRO/PRO+) and account balance is > buffer.
   • Request is ≥$250.
2. Open your TPT dashboard → Payout Request
   • Enter amount (don’t exceed balance – buffer).
   • Choose method: Plaid, PayPal, Wise, or internal wallet.
3. Submit—then stop trading until it’s processed
   • A losing trade after submission can drop you into the buffer and void eligibility. (Happens more than you’d think with intraday trailing.)
4. Funding
   • In my experience: approval fast; funds in ~1 business day depending on method/bank.

Smart Tactics to Avoid Delays (or Denials)

• Freeze activity after submitting. Intraday trailing can move your buffer line on unrealized swings—don’t self-sabotage.
• Request slightly less than max. Leave a small cushion above buffer to absorb tick noise/slippage while it processes.
• Mind news & session rules. Don’t trade 1–2 minutes around major news in funded phases; flatten before 5:00 PM ET—they enforce this.
• Document everything. Screenshot dashboard totals and the request confirmation.
• Keep method details fresh. Old PayPal/Wise emails or bank links cause manual checks.
• Plan weekends/holidays. Banks don’t settle on non-business days; request earlier if you need funds Monday. (Processing speed in my tests was excellent, but banking rails are still banking rails.)

Worked Examples (Buffer Math)

• $50K PRO: Buffer ≈ $2,000. Balance $52,500 ⇒ $500 withdrawable. Try to pull $700 and you’ll clip the buffer.

FAQ

Is there a first-payout lockup?
No. In PRO and PRO+, you can withdraw from Day 1 if you’re above buffer and ≥$250.

How fast is “fast”?
In practice, ~1 business day to reach your method after quick approval. Daily requests are fine if your balance supports it.

What about splits and edge cases?
PRO = 80/20, PRO+ = 90/10. If the account was closed <60 days while inside drawdown but still showing profits, remaining profits may pay at 50%; ≥60 days reverts to 80%.

Do resets affect payouts?
You get 3 free resets on PRO. Resets don’t “lock” your payouts later—they just restart the account if you need a clean slate.

Platform choices or asset mix change payout timing?
No. Platform/market access (NinjaTrader, Tradovate, TradingView, etc.; CME/COMEX/NYMEX/CBOT) doesn’t change payout rules—just trade quality.

Editor’s Notes & Policy Watch (2025)

• Intraday vs EOD drawdown is the #1 place people get tripped up at TPT. Understand how your line moves, especially before payout submission.
• No daily loss limit on PRO+ is a perk—not permission to be reckless. Your overall drawdown still rules your eligibility.
• Payout operations have been consistently fast in my testing, but banking rails and holidays still apply—build that into your cash-flow plan.

Related Guides

• TakeProfitTrader — Full Review (rules, platforms, payouts, my results)
• Intraday vs End-of-Day Drawdown — Why it matters (deep-dive)
• Do Prop Firms Really Pay? (how to spot red flags)

Bottom Line

TPT keeps payouts simple: eligible from day one, clean splits, fast processing, and a buffer-based cap that’s easy to calculate if you respect intraday trailing. If you want a futures prop where you don’t wait 10–15 days to touch your money, TPT delivers—just manage the buffer like a professional.