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Substack Payment Schedule: How Long Does it Take to Get Paid for Substack Newsletter Earnings?

Substack has become a popular platform for writers and creators to monetize their content by charging a subscription fee for their newsletter. However, one of the most important considerations for writers is how long it takes to get paid for their earnings.

According to Substack’s support page, payments usually arrive in a writer’s bank account within 48 hours of each transaction. This means that writers can expect to receive their earnings in a timely manner, making it easier for them to manage their finances. It’s important to note that writers will need to set up a Stripe account to receive payments, which can take a few days to process.

Overall, Substack’s payment schedule is designed to be fast and efficient, allowing writers to focus on creating quality content for their readers. With payments typically arriving within 48 hours of each transaction, writers can rest assured that they will receive their earnings in a timely manner.

Understanding Substack

What is Substack?

Substack is a platform that allows writers to create and monetize newsletters. It was founded in 2017 by Chris Best, Jairaj Sethi, and Hamish McKenzie. The platform has gained popularity in recent years due to its ease of use and the ability for writers to earn money from their writing.

Substack offers a variety of features for writers, including the ability to create a custom newsletter template, track subscriber analytics, and manage subscriptions. Additionally, Substack provides writers with a built-in audience through its discovery feature, which recommends newsletters to readers based on their interests.

How Does Substack Work?

To use Substack, writers can sign up for a free account and start creating their newsletter. Once they have built their audience, writers can choose to monetize their newsletter by offering paid subscriptions. Substack takes a 10% cut of all subscription revenue, with the remaining 90% going directly to the writer.

Payments on Substack are processed through Stripe, a third-party payment processor. According to Substack, payments usually arrive in the writer’s bank account within 48 hours of each transaction.

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Substack Payment Process

Substack is a platform where writers can create and distribute newsletters. The platform has a payment system where writers can earn money from their newsletters. In this section, we will discuss the Substack payment process, including subscription fees and revenue share.

Subscription Fees

Substack allows writers to set their own subscription fees. Writers can choose to offer free newsletters or paid newsletters. If a writer chooses to offer paid newsletters, they can set the subscription fee at any price they want. Substack charges a 10% fee on all subscription fees. This means that if a writer charges $10 per month for their newsletter, Substack will take $1 as a fee.

Revenue Share

Substack has a revenue share model where writers keep 90% of their earnings, and Substack takes 10%. This means that if a writer earns $100 from their newsletter, they will get to keep $90, and Substack will take $10. Substack pays out earnings on a rolling basis, which means that writers get paid for their earnings every week.

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Payment Schedule on Substack

Payment Frequency

Substack pays its writers once a week, every Friday. This means that writers can expect to receive their earnings for the week on the following Friday. According to Substack’s support page, payments usually arrive in the writer’s bank account within 48 hours of each transaction. However, the exact timing of the payment may vary depending on the writer’s bank and payment processor.

Payment Delay

There may be instances where writers experience payment delays due to unforeseen circumstances. For example, if there is an issue with the payment processor, it may take longer for the payment to be processed and deposited into the writer’s bank account. In such cases, it is recommended that writers reach out to Substack’s support team for assistance.

It is important to note that Substack does not charge any additional fees for payments. However, writers may be subject to fees charged by their bank or payment processor. Therefore, it is advisable to check with the bank or payment processor to understand any fees that may be applicable.

In summary, Substack pays its writers once a week, every Friday, and payments usually arrive in the writer’s bank account within 48 hours of each transaction. However, payment delays may occur due to unforeseen circumstances, and writers should reach out to Substack’s support team for assistance if needed.

Factors Affecting Payment Speed

Subscriber Count

The number of subscribers a Substack newsletter has can affect the payment speed. When a newsletter has a large number of subscribers, it may take longer for payments to be processed. This is because there are more transactions that need to be processed, and the payment processor may take longer to complete them. On the other hand, newsletters with a smaller subscriber count may receive payments faster since there are fewer transactions to process.

Payment Method

The payment method selected by the newsletter owner can also affect the payment speed. Substack supports payments through credit cards, Apple Pay, and Google Pay. Credit card payments are usually processed faster than payments made through Apple Pay or Google Pay. This is because the latter two payment methods require additional verification steps, which can slow down the payment process.

Banking Details

The accuracy of the banking details provided by the newsletter owner can also affect the payment speed. If the banking details are incorrect or incomplete, payments may be delayed or even rejected. It is important to ensure that the correct banking details are provided to avoid any payment delays. Additionally, some banks may take longer to process payments, which can also affect the payment speed.

In summary, the payment speed for Substack newsletter earnings can be affected by several factors, including the number of subscribers, payment method, and accuracy of banking details. Newsletter owners should ensure that they provide accurate banking details and choose the payment method that suits them best to receive payments in a timely manner.

Troubleshooting Payment Delays

If a Substack writer is experiencing payment delays, there are a few things they can do to troubleshoot the issue.

Contacting Substack Support

The first step is to contact Substack support. They can help identify the cause of the delay and offer a solution. Writers can contact Substack support by emailing them at They can also submit a request through the Help Center on Substack’s website.

Checking Bank Details

Another common reason for payment delays is incorrect bank details. Writers should double-check that they have entered the correct bank account and routing numbers in their Substack account settings. If they have recently changed banks or account numbers, they should update their information in their Substack account as soon as possible.

It’s also important to note that payments may take longer to process if the writer is located outside of the United States. In this case, it may take up to 7-10 business days for payments to arrive in their bank account.

By following these steps, writers can troubleshoot payment delays and ensure that they receive their earnings on time.

Tips to Maximize Substack Earnings

If you want to make the most out of your Substack newsletter, there are a few things you can do to increase your earnings. Here are some tips to help you maximize your Substack earnings:

Quality Content

The most important thing you can do to maximize your Substack earnings is to create high-quality content that your subscribers will love. This means writing engaging, informative, and entertaining articles that are relevant to your niche. By providing value to your subscribers, you can increase your chances of retaining them and attracting new ones.

Consistent Posting

Another key factor in maximizing your Substack earnings is to post consistently. This means sticking to a regular publishing schedule that your subscribers can rely on. By doing so, you can establish trust and credibility with your audience, which can help you retain them and attract new subscribers.

Engaging with Subscribers

Finally, engaging with your subscribers is crucial if you want to maximize your Substack earnings. This means responding to comments, answering questions, and soliciting feedback from your audience. By doing so, you can build a sense of community around your newsletter, which can help you retain subscribers and attract new ones.

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