Earnings and payouts
How each successful verification earns you money, and when and how it reaches your bank account.
You earn a fixed amount, set in your contract, for every successful verification in live mode. Test mode verifications earn nothing.
Earnings statuses
| Status | Meaning |
|---|---|
| Pending | Waiting for the operator's monthly report. |
| Confirmed | The operator confirmed the count, so it can be paid. |
| Paid | Sent to your bank account. |
| Held | Under review, for example repeat sends from one number. |
| Void | Will not be paid. |
You can see each status under Earnings in the Dashboard.
When you get paid
- Earnings for a month are paid by the end of the following month.
- Only operator-confirmed counts are paid. Operators usually report between the 15th and the 25th.
- The minimum payout is 10,000₮. Smaller balances roll over to the next month.
- When an account is closed, unsettled earnings are still settled in the normal cycle. A final balance under 10,000₮ is not paid out and is retained by Hi Commerce LLC.
Tax
- Individuals: 10% personal income tax (ХХОАТ) is withheld, and Hi Commerce LLC pays it to the tax office on your behalf. The withheld tax appears in your payout history and annual statement, for your annual declaration.
- VAT-registered companies: 10% VAT is added. You issue an e-barimt to Hi Commerce LLC (reg. 7180697) for the amount and enter its ДДТД number under Earnings in the Dashboard.
- Other companies: the full amount, with nothing withheld.
For example, on earnings of 50,000₮:
| Recipient | Calculation | Transferred |
|---|---|---|
| Individual | 50,000₮ − 5,000₮ income tax | 45,000₮ |
| VAT-registered company | 50,000₮ + 5,000₮ VAT | 55,000₮ |
| Other company | 50,000₮ | 50,000₮ |
Add a bank account
Add the account
Dashboard → Earnings → Add account.
Enter the details
Enter the recipient type (individual or company), legal name, registration number, bank, IBAN and account holder.
Confirm by SMS
To save, send one SMS from the owner's phone.
Wait for the review
We review the account, usually within 1 business day.
Security
Changing your bank details sends the account back to review.
Acceptable use and reviews
You may not use 2fa.mn for:
- Fraud or money laundering
- Illegal gambling or lotteries
- Phishing or deceiving users
- Charging users without their consent
- Paying or pressuring people to send SMS just to earn
Monitoring. We monitor traffic automatically for unusual patterns. If something looks unusual, the related earnings are held and the account may be paused while we review it. Reviews usually take 1 to 2 business days.
New accounts. New accounts have a daily earning limit until they build a history (or pass a DAN check). The limit rises automatically.
Outcome. If the review finds normal use, everything held is released and paid in the normal cycle. If it finds abuse, those earnings are void and the account can be closed. Numbers involved may be blocked.
Appeals. Contact us at hello@2fa.mn.
Good practice
Pass phone whenever you know the number. Show the price before the SMS button. Never reward users for verifying.
What's next
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