ForKobo Policy
This policy is the public source of truth for how ForKobo handles payout processing, wallet withdrawals, virtual card access, compliance reviews, anti-money laundering controls, account holds, and financial-support escalation.
This policy applies to merchant wallets, payout credits, withdrawal requests, verification reviews, virtual card access, payment-method checks, chargeback-related holds, and any other movement of funds through the ForKobo platform.
This policy should be read together with the Terms of Service, Privacy Policy, Refund Policy, and Complaints & Escalation Policy.
ForKobo is a technology platform. We may facilitate access to payment services, payout workflows, wallet balances, or virtual card products through regulated payment partners, processors, banks, networks, or other service providers.
Access to payouts, withdrawals, wallet transfers, or virtual cards may require additional review. A merchant may be required to complete identity and business verification before any of those features become available.
Payout availability depends on store activity, internal review, processor settlement, dispute risk, refunds, chargebacks, reserve requirements, and compliance checks. Public payout timing statements are target processing windows only, not guarantees.
Where ForKobo supports Done-for-You merchant programs, payout review may also depend on storefront-level and portfolio-level factors, including platform account standing, processor reserve posture, chargeback concentration, catalog routing, settlement continuity, and the operational need to migrate or reroute store activity. Elevated chargeback risk on one storefront or payment configuration may result in delayed payouts, additional reserve treatment, or extended review for the affected merchant or related operating configuration.
If Shopify, a payment processor, or another platform partner deactivates payments, pauses settlements, imposes a reserve, restricts a storefront, or otherwise creates operational risk, ForKobo may defer payout availability until ForKobo completes the necessary reconciliation, risk review, migration, or replacement-store setup work.
Wallet balances represent amounts that ForKobo has marked as available within the platform, subject to later corrections where a mistake, fraud event, duplicate credit, refund, processor reversal, or compliance issue is discovered.
ForKobo may place a hold on funds, create a reserve, restrict withdrawals, suspend virtual-card access, or offset future amounts where reasonably necessary to protect merchants, customers, partners, or the platform.
Where appropriate, ForKobo will explain the hold and the next review step, but we may limit detail where disclosure could compromise fraud controls, legal obligations, or partner requirements.
As part of these controls, ForKobo may create, replace, retire, merge, separate, or reroute storefront infrastructure used for a DFY merchant's products or operations. This may include routing activity, merchant identifiers, product identifiers, catalogs, or related operational data to a new or alternate Shopify store or comparable storefront environment where ForKobo determines that doing so is reasonably necessary for risk management, continuity, compliance, settlement support, dispute handling, or platform supportability.
If ForKobo offers virtual cards, they are intended for lawful business use only and remain subject to partner, network, and regional limitations.
If a card partner or network imposes a rule that conflicts with this page, the partner or network rule controls for that transaction or program.
Fees can come from ForKobo, a payment processor, a bank, a card network, an FX provider, or another partner involved in moving funds. Fees and deductions may differ by product, currency, payment method, jurisdiction, or account status.
ForKobo applies anti-money laundering, counter-terrorist financing, sanctions, and fraud-prevention controls to financial activity on the platform.
If ForKobo identifies an operational, accounting, or processor error, we may correct the record and adjust wallet balances, pending payouts, withdrawal status, or transaction history.
ForKobo may maintain and rely on internal books, reconciliation records, routing logs, merchant identifiers, product identifiers, attribution records, and analytics systems when determining payout eligibility, reserve requirements, dispute exposure, and portfolio operations. Those internal records may aggregate, separate, or otherwise organize activity differently from any single storefront view, Shopify report, processor report, merchant-facing dashboard, or third-party analytics output.
Except to the extent required by applicable law, ForKobo does not guarantee that merchant-facing reports, third-party platform records, or internal operational records will correspond on a one-to-one basis or that any particular record view will independently satisfy a merchant's accounting, tax, audit, legal, or regulatory needs. ForKobo may also limit disclosure of internal routing, risk, fraud, attribution, reserve, or reconciliation methodologies where disclosure could compromise security controls, partner obligations, investigations, or legal requirements.
If you believe a payout, hold, withdrawal, card decision, or compliance action was incorrect, contact the ForKobo team through the channels below and include your account email, transaction reference, timeline, and supporting documents.
Further complaint handling and escalation steps are described in the Complaints & Escalation Policy.
Some financial features may be unavailable in certain countries, regions, industries, or use cases. Availability may change without notice where regulation, sanctions, partner support, or operational risk changes.
We may update this policy to reflect legal, operational, product, or partner changes. The version published on the site applies from its stated effective date, except where law requires a different approach.