Woothomes Legal

Host Payout Terms & Policies

These Payout Terms govern how Hosts receive funds earned through bookings made on Woothomes. They apply in addition to, and should be read together with, our general Terms & Conditions and Privacy Policy.

Last updated: July 26, 2026Pending final figures from Legal & Finance

By listing a property, offering a service, or otherwise becoming eligible to receive payouts on Woothomes (each, a "Host"), you agree to these Payout Terms in addition to our general Terms & Conditions.

1. Definitions

Payout

A transfer of Host earnings from Woothomes to a Host's chosen Payout Method, net of any applicable Platform Fees, taxes, and deductions.

Payout Method

A bank account, mobile money wallet, or other disbursement channel supported by Woothomes and added by a Host to receive Payouts.

Payout Cycle

The recurring schedule on which eligible earnings are released for Payout, as described in Section 4.

Reserve / Hold

A temporary retention of some or all of a Host's earnings, applied under Section 7, before those funds become eligible for Payout.

2. Eligibility & Identity Verification

  • Hosts must complete Woothomes' identity verification ("KYC") process before their first Payout is released. This may include providing a valid government-issued ID, proof of address, and bank or mobile money account details matching the Host's registered name.
  • Woothomes may request additional documentation at any time to comply with "Know Your Customer" (KYC), anti-money-laundering (AML), and counter-terrorist-financing (CFT) obligations under applicable Nigerian law, including guidance issued by the Central Bank of Nigeria (CBN) and the Nigerian Financial Intelligence Unit (NFIU).
  • Payouts will not be released to a Host whose identity has not been verified, or whose Payout Method details do not match their verified identity.
  • Woothomes may decline to onboard, or may suspend, any Host who appears on a sanctions or watch list, or whose verification cannot be completed.

3. Payout Methods

Hosts may add one or more supported Payout Methods from their Payout Settings page. The specific methods offered (for example, bank transfer or mobile money) may vary over time and are shown to each Host in their account. Woothomes reserves the right to add, remove, or temporarily disable a Payout Method at its discretion, including where a method cannot be supported for regulatory, banking-partner, or fraud-prevention reasons.

  • Hosts are responsible for ensuring that the account details on file are accurate and up to date. Woothomes is not liable for funds sent to an incorrect account due to Host error.
  • Only one default Payout Method may be active at a time unless otherwise stated in the product.

4. Payout Schedule & Processing Times

Payout Cycle [TBD]

Eligible earnings become available for withdrawal [TBD — e.g. X days after guest check-in / on a weekly cycle]. Once a withdrawal is requested, funds are typically received within [TBD] business days, depending on the Payout Method and the receiving bank or mobile money provider.

  • Public holidays and weekends may delay processing at the receiving bank or mobile money provider; such delays are outside Woothomes' control.
  • A minimum withdrawal threshold of [TBD — e.g. ₦X,000] may apply.

5. Fees & Deductions

Woothomes deducts a Platform Fee from Host earnings before Payout. The current fee structure is shown to Hosts before a booking is confirmed and in the Host earnings dashboard.

  • Platform Fee: [TBD — e.g. X% of the booking subtotal].
  • Payment-processing or transfer fees charged by banks, card networks, or mobile money providers may be passed through to the Host and will be itemized where possible.
  • Any applicable withholding tax (see Section 6) is deducted at source before Payout, where Woothomes is legally required to do so.

6. Taxes & Regulatory Compliance

  • Hosts are solely responsible for determining and meeting their own tax obligations, including personal income tax, value-added tax (VAT) where applicable, and any filings required by the Federal Inland Revenue Service (FIRS) or relevant State Internal Revenue Service.
  • Where required by law, Woothomes may withhold tax at source, issue tax documentation, or report Host earnings to the applicable tax authority.
  • Woothomes processes Host payout and verification data in accordance with the Nigeria Data Protection Act 2023 and our Privacy Policy.
  • Hosts must not use the Platform to facilitate money laundering, terrorist financing, or any other financial crime. Suspicious transactions may be reported to the NFIU as required under the Money Laundering (Prevention and Prohibition) Act.

7. Refunds, Cancellations & Payout Reversals

Where a booking is cancelled, refunded, or successfully disputed by a Guest after a Payout has already been made to a Host, Woothomes may:

  • Deduct the refunded amount from the Host's future earnings or Payouts;
  • Request that the Host return the funds directly, where a deduction from future earnings is not possible; or
  • Place a temporary Reserve on the Host's account pending resolution of the refund, cancellation, or dispute (see Section 8).

Refund eligibility, security-deposit handling, and property-damage claims between Guests and Hosts are further addressed in our general Terms & Conditions.

8. Reserves, Holds & Suspension of Payouts

Woothomes may place a Reserve on, delay, or suspend a Host's Payouts where reasonably necessary to investigate a fraud report, chargeback, guest complaint, security-deposit or property-damage claim, suspected policy violation, or a legal or regulatory requirement. Where possible, Woothomes will notify the Host of the reason for the hold and next steps.

  • Reserves will be released once the underlying issue is resolved, subject to any deductions owed under these Payout Terms.
  • Repeated chargebacks, confirmed fraud, or a pattern of guest disputes may result in an extended Reserve period or permanent suspension of payout access.

9. Errors, Overpayments & Recovery

If Woothomes pays a Host in error, or in an amount greater than what was actually owed, Woothomes may recover the overpaid amount by deducting it from future earnings, requesting direct repayment, or offsetting it against any other amounts owed to the Host.

10. Liability

Woothomes is not liable for delays or failures in Payout processing caused by a Host's bank, mobile money provider, incorrect account details, or circumstances outside Woothomes' reasonable control (including banking-network outages or regulatory action).

11. Termination of Payout Access

Woothomes may suspend or terminate a Host's access to Payouts if the Host violates these Payout Terms, our general Terms & Conditions, or applicable law. Where a Host's account is closed in good standing, any remaining verified balance will be paid out to a verified Payout Method, less any outstanding fees, Reserves, or deductions owed.

12. Changes to These Payout Terms

We may update these Payout Terms from time to time, including to reflect changes in fees, payout schedules, or applicable law. Material changes will be communicated to Hosts before they take effect where reasonably possible. Continued use of Payout features after a change takes effect means the Host accepts the updated terms.

13. Contact

Questions about your payouts?

Contact our Host support team at:

hosts@woothomes.com

Read the full picture

These Payout Terms work together with our general Terms & Conditions and Privacy Policy.