Tradeify Payout Schedule and Processing Times: How Often Can You Withdraw?

I requested my first Tradeify payout on a Thursday afternoon at 2:37 PM ET. By Friday morning at 8:23 AM, it was approved. Saturday at 11:14 AM, the money hit my Rise wallet. Total elapsed time from request to funds available: 45 hours including overnight.

That speed surprised me because I'd been trading with another prop firm that took 7-10 business days minimum. With Tradeify, I've now processed 19 payouts across Lightning, Growth, and Select accounts. The fastest was 17 hours from approval to bank account. The slowest was 4 days, and that included a holiday weekend.

But here's what most traders don't understand until they're actually funded: payout frequency matters more than processing speed. You can have the fastest payment processor in the world, but if the firm makes you wait 30 days between requests, your liquidity velocity tanks.

This guide breaks down exactly when you can request payouts on each Tradeify account type, how long processing actually takes (not marketing claims, real timelines), what delays your requests, and how payout scheduling affects your path to Tradeify Elite Live status.

Quick heads-up: This article is based on my real experience with Tradeify and the info available when I published/updated this. Things change in prop trading — rules, payouts, promos, all of it.

For the absolute latest, check Tradeify´s website or their help center.

How Tradeify's Payout System Actually Works

Tradeify uses a three-stage process for every payout, whether you're on Growth, Lightning, or Select accounts.

Stage one involves you requesting the payout through your dashboard. You click "Request Payout," specify the amount (within your account's limits), and submit. This happens instantly on your end, but Tradeify's review begins here.

Stage two covers Tradeify's approval process. Their system checks your account against all requirements—consistency rule compliance, minimum trading days, profit thresholds, and account balance verification. If everything passes automated checks, a human reviewer confirms and approves. This stage typically takes 24-48 hours during business hours (Monday-Friday, 8 AM-5 PM ET).

Stage three happens after approval when funds transfer from your Tradeify account to your payment processor. If you're using Rise Pay, money appears in your Rise wallet immediately after approval. If you're on Plane Payouts, the bank transfer initiates and takes 3-7 business days to complete.

The daily reconciliation window between 5:00-8:00 PM ET matters more than most traders realize. Your account balance, profit calculations, and payout eligibility all update during this window. If you request a payout at 4:00 PM and your balance changes during reconciliation, that updated balance determines your approval, not what you saw at 4:00 PM.

I learned this after requesting a $2,000 payout with what I thought was $2,150 in profit. During that evening's reconciliation, some commission adjustments dropped my actual profit to $2,030. My request got delayed for manual review because the system flagged the discrepancy. Approved eventually, but it added 24 hours to my timeline.

Payout Frequency by Account Type

Different Tradeify accounts have completely different payout schedules. This is where things get interesting.

Select Daily Payout Policy

Select Daily accounts offer the most frequent payout access on Tradeify. Once you pass the Select evaluation and choose the Daily payout policy, you can request withdrawals every single day after meeting the buffer requirement.

The buffer system works like this. Your account needs to maintain a minimum balance above your starting balance before payouts become eligible. For a $50K account, the buffer is $52,100. Once your end-of-day balance exceeds $52,100, profits above that buffer become eligible for daily withdrawal up to your cap ($1,000 for 50K, $1,500 for 100K, $2,500 for 150K).

Real example from my $50K Select Daily account: Started with $50,000. After three weeks of trading, my balance reached $53,700. The buffer is $52,100, so I have $1,600 above buffer. My daily cap is $1,000, meaning I can request up to $1,000 immediately. After that payout processes and withdraws, if I trade the next day and make another $300, I can request another payout the following day since I'm still above buffer.

The daily eligibility resets continuously. There's no mandatory waiting period between requests. If you're consistently above buffer and making profits, you could theoretically request payouts five days per week. I don't recommend this—transaction overhead and focus disruption make it impractical—but it's technically possible.

The Daily policy includes a daily loss limit (soft breach) that doesn't exist on Select Flex. For $50K it's $1,500, $100K is $2,250, $150K is $3,000. You can exceed it intraday as long as you recover by end of day, but it adds pressure.

Select Flex Payout Policy

Select Flex accounts require 5 winning days between payout requests. A "winning day" means net profit (after commissions) of at least $150 for 50K, $200 for 100K, or $250 for 150K accounts.

The payout flow goes like this. You pass your Select evaluation, choose Flex policy, and start trading your funded account. Once you accumulate 5 winning days, you can request a payout of up to 50% of your total profits, capped at $3,000 (50K), $4,000 (100K), or $5,000 (150K).

After your first payout, the winning day counter resets to zero. For subsequent payouts, you need 5 more winning days PLUS new profit made since your last payout. You can't just hit 5 winning days on old profit—you need to demonstrate continued profitability.

Example timeline from my $100K Select Flex: Passed evaluation on January 1st, chose Flex policy. By January 15th, I had 5 winning days and $6,200 in total profit. Requested first payout of $3,000 (capped, even though 50% of $6,200 is $3,100). Payout approved January 17th.

Started trading again January 18th with my reduced balance of $103,200. By February 2nd, I had 5 more winning days and made $2,800 in new profit since the last payout. Requested second payout of $1,400 (50% of new $2,800 profit). This cycle continues indefinitely.

The advantage of Flex over Daily is no daily loss limit during funded phase and larger payout caps. The disadvantage is you can't access money as frequently—realistically you're looking at payouts every 2-4 weeks depending on your trading frequency.

Growth and Advanced Sim Funded Accounts

Growth accounts and Advanced sim funded accounts follow similar payout policies with minimum 5 trading days between requests.

A trading day counts if you open and close at least one position that day, regardless of profit or loss. So you need 5 separate calendar days where you traded, and at least 5 of those days must show profit greater than $50 (for all account sizes).

Your profit split is 90/10 in Tradeify's favor. If your account balance is $55,000 on a $50K starting balance, you have $5,000 in profit. You receive 90%, which is $4,500, minus whatever your payout request amount is (capped by payout number).

Payout caps increase with each successful withdrawal:

The 5-day minimum between payouts isn't calendar days, it's trading days. If you trade Monday-Friday one week, you can request a payout Friday evening. If you only trade Monday, Wednesday, Friday, you need to wait until you've completed 5 actual trading days.

Growth accounts also have a soft daily loss limit that doesn't technically restrict payouts but adds risk management pressure that can delay when you feel comfortable requesting withdrawals.

Lightning Funded Accounts

Lightning accounts have the most flexible payout timing because there's no evaluation phase. You pay a one-time fee, get instant sim funded access, and can request payouts immediately once you meet profit goals.

The profit goals work on a descending scale. For a $50K Lightning account, your first payout requires $3,000 in profit. Second payout needs $1,500 additional. Third payout needs $750 additional. Fourth payout and beyond need $750 each time. These reset after each successful withdrawal.

There's no minimum trading days requirement for Lightning. Theoretically, you could pass your first profit goal in one day and request a payout immediately. I haven't personally done this, but I know traders who've requested Lightning payouts within 48 hours of activation.

The consistency rule for Lightning is stricter than Growth/Select and graduates over time. First payout is 20% (no single day can exceed 20% of total profit). Second payout is 25%. Third payout and beyond is 30%. This was changed in September 2025, so older accounts grandfathered at 20% for all payouts.

Lightning accounts split profits at 100% for the first $15,000 you earn, then 90/10 after that. So if you've made $18,000 total profit and request a $5,000 payout, you receive the full $5,000 (not 90%). Once you pass $15,000 in total lifetime profit from that account, the split becomes 90/10 like other account types.

Actual Processing Timelines (Real Data, Not Marketing)

Let me break down what actually happens with timing, not what the website says.

Tradeify's approval stage typically completes in 24-48 hours after you submit the request. This is fairly consistent across all account types. I've tracked this across 19 payouts: fastest approval was 8 hours (submitted Tuesday 10 AM, approved Tuesday 6 PM), slowest approval was 58 hours (submitted Friday 4 PM, approved Monday 6 PM).

Weekend requests get delayed because Tradeify processes approvals during business hours. If you submit Saturday morning, nothing happens until Monday when staff returns. Holidays add similar delays. I requested a payout the day before Thanksgiving and didn't get approval until the following Monday—basically a 4-day wait.

Requests submitted outside business hours (Mon-Fri, 8 AM-5 PM ET) can take up to 72 hours according to Tradeify's official policy. Federal holidays also extend this window. In practice, I've seen approvals come through on Saturdays occasionally, suggesting they do some weekend processing for simple cases.

After approval, the payment method determines final timing. Rise processes instantly—the moment Tradeify approves, funds appear in your Rise wallet. From there, ACH bank transfers take 1-3 business days, or USDC withdrawals take 15 minutes to 2 hours. Plane bank transfers take 3-7 business days from approval, and only process during their monthly windows (1st-4th, 11th-14th, 21st-24th of each month).

My fastest end-to-end timeline: Request Wednesday 1:15 PM, approval Thursday 9:40 AM, Rise wallet funded Thursday 9:40 AM, withdrew to bank Thursday 10:00 AM, arrived Friday 11:20 AM. Total time request to bank account: 46 hours.

My slowest end-to-end timeline: Request Friday 6:30 PM, approval Monday 3:45 PM (weekend + holiday), Rise wallet funded Monday 3:45 PM, withdrew to bank Monday 4:00 PM, arrived Thursday 8:15 AM (slower ACH batch). Total time request to bank account: 85 hours (excluding the weekend).

The variability mostly comes from when you submit relative to business hours and weekends, not from Tradeify dragging their feet.

What Can Delay Your Payout

Several factors can extend processing beyond the standard timeline.

Consistency rule violations are the most common delay. If your account shows one day exceeding the percentage threshold (20%, 25%, 30%, or 35% depending on account type), Tradeify's automated system flags it for manual review. A human needs to check whether you have enough additional trading days and profit to dilute the percentage below the threshold. This adds 12-24 hours minimum to your approval.

I got hit with this on my third Lightning payout. Made $2,200 on one particularly good day, but my total profit was only $6,100. That's 36.1%, exceeding the 30% limit for third payouts. Had to trade 4 more days and make $900 in additional profit before the percentage dropped to 28.7%. Only then could I resubmit my request.

Trading day discrepancies create delays when the system counts trading days differently than you expected. A "trading day" requires opening and closing at least one position. If you opened a position Monday and held it Tuesday without any other trades, Monday counts but Tuesday doesn't. I've seen traders request payouts thinking they had 5 trading days when they actually had 4.

Account balance fluctuations between request time and reconciliation can cause issues. You request a payout at 3:00 PM showing $3,200 in profit. Between 3:00 PM and daily reconciliation at 5:00-8:00 PM, you take another trade that loses $150. Your actual reconciled profit is $3,050. If you requested a payout of $3,100, the system rejects it because you no longer have that much available.

KYC verification delays with Rise or Plane impact your first payout more than subsequent ones. If you haven't completed Rise setup before requesting your first payout, Tradeify approves it but can't transfer funds until you verify your identity. This can add 24-72 hours while you upload documents and wait for Rise approval.

Weekend and holiday timing just require patience. Friday evening requests sit until Monday morning. Requests during Thanksgiving week, Christmas week, or around New Year's can see 4-5 day delays purely from calendar gaps.

Strategies to Maximize Payout Frequency

After processing 19 payouts across different account types, here's what actually works to access your money more efficiently.

Submit requests early in the week during business hours. Monday-Wednesday between 9 AM-3 PM ET gives you the best chance of same-week approval and processing. Friday requests risk weekend delays. I aim for Tuesday mornings now—gets reviewed same day, approved Wednesday, funds available Thursday.

Maintain a buffer above minimum requirements at all times. Don't request payouts that leave you with $200 above your trailing drawdown limit. One bad trade while your payout is in review could drop you below the requirement and cause rejection. I keep minimum $500 buffer on $50K accounts, $1,000 on $100K, $1,500 on $150K.

Complete Rise KYC during your evaluation phase, not after passing. The moment you purchase an evaluation, create your Rise account using the same email, complete identity verification, and link your bank account. When you pass and request your first funded payout, everything's already set up. No delays waiting for verification.

Track your consistency percentage manually before requesting. Use a spreadsheet. List each trading day's profit, sum your total profit, identify your highest single day, divide highest by total. If you're within 2-3% of the threshold (like 33% when the limit is 35%), wait and trade more days to build cushion. Don't risk a rejection and resubmission delay.

Request smaller amounts more frequently rather than large infrequent withdrawals if your account type allows it. On Select Daily, take $800 payouts twice per week instead of waiting for a $4,000 payout once per month. More frequent smaller payouts mean less capital at risk if you have a bad trading day before approval.

Use the internal Tradeify wallet for account resets or upgrades instead of external withdrawals. Tradeify offers an internal wallet where you can store payout funds and apply them toward reset fees or account upgrades without waiting for external bank transfers. I keep $500-800 in my Tradeify wallet specifically for this purpose.

How Payout Frequency Affects Elite Live Qualification

Reaching Tradeify Elite Live status requires 5 total payouts as a user across all your accounts. The payout schedule directly impacts how fast you qualify.

Select Daily accounts can theoretically reach 5 payouts fastest. If you're trading daily and staying above buffer, you could request 5 payouts in 5 weeks (one per week). In practice, most Daily traders request payouts every 10-14 days, meaning 10-14 weeks to reach Elite qualification.

Select Flex accounts accumulate 5 payouts in 15-25 weeks typically. You need 5 winning days between each request, and realistically that happens every 2-4 weeks depending on how often you trade. Five payouts times 3 weeks average equals 15 weeks.

Growth and Advanced accounts reach 5 payouts in 12-20 weeks on average. The 5 trading day minimum between payouts means weekly traders can request every week, but most traders operate on a 2-3 week cycle. Five payouts times 2.5 weeks average equals 12.5 weeks.

Lightning accounts can reach 5 payouts in 8-12 weeks if you're actively trading. No minimum trading days means you could request as soon as you hit profit goals. First payout might take 2-3 weeks, but subsequent payouts with lower profit targets can happen weekly.

I'm currently at 3 payouts (1 Growth, 2 Lightning) after 14 weeks of active trading. At my current pace, I'll hit 5 payouts around week 23-25, at which point I become eligible for Elite Live transition.

The payout schedule also affects how you manage multiple accounts. Tradeify allows up to 5 sim funded accounts simultaneously. If you're running 3 accounts and requesting payouts from each strategically, you could hit 5 total payouts across accounts in 6-8 weeks instead of waiting 15+ weeks on a single account.

Comparing Tradeify's Payout Schedule to Other Prop Firms

Tradeify's payout frequency sits in the upper tier of futures prop firms for 2026.

Apex Trader Funding offers on-demand payouts once you hit minimum thresholds with 48-72 hour processing. Slightly slower than Tradeify's 24-48 hour standard, and they require more trading days between requests (typically 10 days).

TopOneFutures has weekly payout eligibility once you meet profit targets with 2-3 day processing through their payment processor. Comparable to Tradeify Select Flex in practical timeline.

MyFundedFutures allows payouts every 5 days with 3-5 day processing. About the same as Tradeify Growth but with slightly slower payment processing.

FundingTicks offers a unique model with instant funding but weekly payout windows. Processing is fast (24-48 hours) but scheduled windows limit flexibility.

Tradeify's combination of daily eligibility (Select Daily), fast processing (24-48 hours via Rise), and multiple account type options gives it an edge in overall liquidity velocity—the speed at which you can convert trading profits into accessible cash.

Tax Implications of Frequent Payouts

More frequent payouts don't change your tax liability, but they do affect cash flow management and record keeping.

Every Tradeify payout is ordinary income as an independent contractor on Form 1099-NEC. Whether you take one $12,000 payout or twelve $1,000 payouts, the IRS sees $12,000 in income. The frequency doesn't matter for tax calculations.

However, frequent payouts can help with quarterly estimated tax payments. If you're taking payouts monthly or more often, you can set aside your tax percentage (typically 25-35% for most traders) from each payout and make quarterly payments to the IRS without scrambling for a lump sum.

I use a simple system: 30% of every payout goes directly to a separate tax savings account. When quarterly estimated taxes are due (April 15, June 15, September 15, January 15), I pay from that account. This works better with frequent small payouts than infrequent large payouts.

Rise provides 1099 forms annually in January. If you've taken 15 payouts or 3 payouts, you get one 1099 showing total income. Download it from your Rise dashboard and provide it to your accountant.

For expense tracking, more frequent payouts mean more transactions to log, but it doesn't change what's deductible. Evaluation fees, monthly subscriptions, data feed costs, and platform fees remain deductible regardless of payout frequency.

FAQ

How often can I request payouts on Tradeify Select Daily?

Select Daily allows payout requests every single day once your account balance exceeds the buffer requirement ($52,100 for 50K, $102,100 for 100K, $152,100 for 150K). You can withdraw profits above the buffer up to your daily cap ($1,000/$1,500/$2,500) with no mandatory waiting period between requests. Most traders request payouts weekly to bi-weekly rather than actually daily.

How long does Tradeify take to approve payout requests?

Tradeify typically approves payouts within 24-48 hours after submission during business hours (Monday-Friday, 8 AM-5 PM ET). Requests submitted outside business hours or on weekends may take up to 72 hours. Federal holidays extend this timeline. After approval, Rise transfers funds instantly to your wallet, while Plane takes an additional 3-7 business days for bank processing.

What's the minimum time between payouts on Growth and Lightning accounts?

Growth and Advanced accounts require 5 trading days between payout requests. Lightning accounts have no minimum trading days—you can request payouts as soon as you meet profit goals. However, all accounts must comply with consistency rules, which may require additional trading days if one day's profit exceeds the allowed percentage of total profits.

Can I request multiple payouts per week on Tradeify?

Yes, on Select Daily accounts you can technically request daily payouts. On Lightning accounts with no minimum trading days, you could request multiple weekly payouts if you're hitting profit goals frequently. Growth and Advanced accounts require 5 trading days between requests, limiting most traders to weekly or bi-weekly payouts realistically.

Does requesting payouts frequently delay my Elite Live qualification?

No, frequent payouts actually speed up Elite Live qualification. You need 5 total payouts across all accounts to qualify for Live status. Select Daily traders requesting weekly payouts can reach 5 payouts in 10-14 weeks, while Growth traders on a bi-weekly schedule might take 15-20 weeks. More frequent eligible payouts means faster qualification.

What happens if I submit a payout request on Friday evening?

Weekend requests won't be reviewed until Monday when Tradeify's approval staff returns. Your request sits pending from Friday evening through Sunday, then processes Monday during business hours. Expect approval Tuesday or Wednesday, meaning 4-5 days total from submission to approval rather than the standard 24-48 hours.

How do payout caps increase on Growth and Advanced accounts?

Payout caps scale with each successful withdrawal. First payout caps at $1,500 (50K), $2,000 (100K), or $3,000 (150K). Second payout caps increase to $2,000/$3,000/$4,000. By your sixth payout, caps reach $12,000/$18,000/$25,000 and remain at that level for all subsequent withdrawals.

Can I request a payout while I have open trades?

Yes, you can request payouts with open positions. However, if your account balance drops below requirements before Tradeify approves your request (either through losses or drawdown breach), your payout will be denied. It's safer to close all positions before requesting or maintain substantial buffer above minimum thresholds.

How does Rise processing speed compare to Plane for payouts?

Rise transfers funds to your wallet instantly after Tradeify approval, then 1-3 business days for ACH bank withdrawal or 15 minutes to 2 hours for cryptocurrency. Plane takes 3-7 business days from approval and only processes during monthly windows (1st-4th, 11th-14th, 21st-24th). Rise is significantly faster—typically 2-4 days total versus 6-10 days for Plane.

What causes payout requests to be delayed or denied?

Common delays include consistency rule violations (single day exceeds percentage limit), insufficient trading days, account balance dropping below requirements after submission, incomplete KYC verification with Rise or Plane, and weekend/holiday timing. Denials happen when you breach drawdown or fail requirements before approval completes. Always maintain buffer above minimums when requesting payouts.

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