> ## Documentation Index
> Fetch the complete documentation index at: https://docs.shorpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Your Shor Account & Withdrawals

> Money lands in your Shor account within minutes. You withdraw to your linked payout method when you need it.

When your employer pays you, the money lands in **your Shor account** within a few minutes. From there, you withdraw to your linked payout method whenever you want.

<Note>
  If you're on an employment contract in a country that uses bank-direct pay, your salary is deposited straight to your linked bank account instead. In that case you don't have a Shor balance to withdraw from, and this page's withdrawal flow doesn't apply to you. Your contract details show which model applies.
</Note>

## Two Separate Flows

<CardGroup cols={2}>
  <Card title="Getting Paid" icon="bolt">
    Your employer approves a payment → it's credited to your Shor balance within a couple of minutes. No waiting for bank rails to clear.
  </Card>

  <Card title="Withdrawing to Your Account" icon="building-columns">
    Separately, you link a payout method and withdraw from your Shor balance on your own schedule. The withdrawal uses the rail for your chosen method.
  </Card>
</CardGroup>

## Your Shor Account

Your account lives in **Finance → Accounts** and shows a balance per currency. If your employer pays in USD and you also do work for a company paying in EUR, you'll see separate USD and EUR balances.

You can:

* **Hold the balance** as long as you want; nothing forces a withdrawal
* **Withdraw part or all** to your linked payout method at any time
* **See every credit and withdrawal** in Finance → Transactions

## Linking a Payout Method

<Steps>
  <Step title="Go to Finance → Connections">
    From your professional dashboard, open the Finance tab and click **Connections**.
  </Step>

  <Step title="Click Link account">
    A dialog opens. First select the country of your payout account, then choose the payment method available for that country (bank transfer, mobile money, SWIFT, ACH, local payout ID such as Pix or UPI, and others depending on your country). Finally, fill in the details for the chosen method.
  </Step>

  <Step title="Verify">
    Depending on your country and method, Shor may ask you to confirm ownership (for example, a small test deposit or a screenshot).
  </Step>
</Steps>

## Making a Withdrawal

Once a payout method is linked, go to **Finance → Accounts**, pick the balance you want to withdraw from, and click **Withdraw**. Choose the destination account, enter an amount, and confirm. Timing depends on the method and rail:

* Instant rails (UPI, FPS, PIX, SEPA Instant): seconds to minutes
* Standard local transfers: same day to 1–2 business days
* ACH in the US: 1–3 business days

Shor shows the estimated arrival date before you confirm each withdrawal.

## Details You'll Need

What the form asks for depends on your country and the payment method you choose:

* **Bank transfer (United States)**: routing number and account number
* **Bank transfer (Europe)**: IBAN and BIC/SWIFT
* **Bank transfer (United Kingdom)**: sort code and account number, or IBAN
* **Bank transfer (India)**: IFSC code and account number
* **Mobile money**: phone number and mobile money provider
* **Local payout ID (Pix, UPI, etc.)**: the relevant ID or phone number for that rail
* **Other methods and countries**: Shor's form shows exactly which fields are required once you select your country and method

## Multiple Payout Methods

You can link more than one payout method. Pick which one to withdraw to when you initiate each withdrawal. Useful if you prefer different methods for different currencies or use cases.

## Fees and FX

* **Incoming payments to your Shor account**: no fee to you as the worker. The employer covers the pricing on their side.
* **You're paid in the contract currency**: each payment credits your Shor account in whatever currency your contract specifies (USD, EUR, INR, etc.). That's the only currency involved at credit time.
* **Multi-currency balances**: if you have multiple contracts in different currencies, you'll see a separate balance per currency in **Finance → Accounts**. Nothing is force-converted.
* **FX only when you actually convert**: FX is charged only when a conversion actually happens. Withdrawing from a currency balance into a bank in the same currency = no FX. Withdrawing into a bank in a different currency = FX at a disclosed rate, shown before you confirm. No hidden spread.
* **Withdrawal fees**: Shor uses the cheapest local rail available. A small flat fee may apply depending on the destination rail and currency, always disclosed before you confirm, no surprises.

## What This Gives You

* **Fast visibility of earnings**: typically within minutes of your employer approving the payment, useful for cash-flow planning
* **Withdraw on your own schedule**: batch a few pay cycles, or pull daily
* **Multi-currency balances**: hold in USD, EUR, etc. without forced conversion

## Next Steps

<CardGroup cols={2}>
  <Card title="Getting Paid" icon="money-bill-wave" href="/professional/payments">
    What happens from the moment your employer approves a payment.
  </Card>

  <Card title="Transactions" icon="list-ol" href="/professional/transactions">
    Every credit, withdrawal, and FX conversion in one place.
  </Card>
</CardGroup>