Last updated: 2 October 2026 How each prop firm pays you, and how fast it says it pays. Payout methods, firm-stated processing times and fees for 8 firms, each quoted from the firm’s own help pages. These are the times the firms state, not times we measured.
Rise is the most common payout rail. 5 of the 8 firms we checked pay through Rise (Riseworks): Tradeify, MyFundedFutures, FundedNext, The5ers, Goat Funded Trader. The money lands in a Rise wallet first, and you withdraw from there to a bank or crypto.
US futures firms mostly pay straight to a bank. Apex pays US residents by ACH direct deposit, Take Profit Trader by Plaid, and Topstep by Aeropay or ACH, plus same-day transfers into a Topstep brokerage account.
Stated speeds run from seconds to 10 business days. Take Profit Trader moves money from account to wallet in “5-10 seconds”. FundedNext promises 24 hours and Goat Funded Trader 2 business days, each with $1,000 if late. Topstep allows up to 3 business days for approval, plus 5–10 business days for an international wire.
Fees differ by method. Topstep charges $30 for ACH and wire. The5ers takes 3.5% on Rise, crypto and bank transfer. Take Profit Trader charges $50 on wallet withdrawals of $250 or less. Tradeify says Rise is free to receive on.
Payout speed and method matrix
| Firm | Methods | Speed (as stated) | Fees (as stated) | Firm’s wording | Source |
|---|---|---|---|---|---|
| Topstep Futures | Prop-to-Brokerage (US), Aeropay (US banks), Wise (China, Canada, UK), ACH (US), Wire/SWIFT (international) | Internal approval 1–3 business days; then Aeropay instant, Prop-to-Brokerage same day (if requested by 12 pm CT), Wise or ACH 1–3 business days, wire 5–10 business days | $30 for ACH and wire; no Topstep fee for Aeropay, Wise or Prop-to-Brokerage | “Prop-to-Brokerage Payouts US only Same day* No Fee Aeropay US banks only Instant after approval No Topstep fee** Wise China, Canada, UK 1-3 business days No Topstep fee** ACH US banks only 1-3 business days $30 Wire/SWIFT International 5-10 business days $30” “Internal approval can take 1-3 business days.” | Firm page |
| Apex Trader Funding Futures | ACH direct deposit (US residents); other countries not checked | Not stated on the page we checked | Not stated on the page we checked | “If you live in the United States, your payouts will be sent via ACH direct deposit to your US-based bank account.” | Firm page |
| Tradeify Futures | Rise, then on to bank (ACH), crypto or local currency | Funds reach the Rise wallet 24–48 hours after approval; ACH 1–3 business days; crypto hours to 1 day | Rise “Receive Payments” is free | “Tradeify approves your payout → Within 24-48 hours, funds appear in Rise wallet” “Bank Transfer (ACH) – 1-3 business days” “Crypto Tokens – Hours to 1 day” | Firm page |
| MyFundedFutures Futures | Riseworks, then bank transfer or crypto | Most requests approved instantly; manual review up to 6–12 business hours on weekdays | Not stated on the pages we checked | “Payout processing time: Most payouts are approved instantly. If a manual review is required, processing may take up to 6 to 12 business hours on weekdays.” “After signing, your payout is transferred to your Riseworks account. You can withdraw funds via bank transfer or cryptocurrency.” | Firm page Firm page |
| Take Profit Trader Futures | Plaid (US banks), PayPal, Wise | Account to wallet in 5–10 seconds (Tradovate PRO); US bank via Plaid typically real-time (sometimes 1–2 business days); PayPal or Wise up to 12 business hours | $50 fee on wallet withdrawals of $250 or less | “For eligible accounts, the account-to-wallet withdrawal process will take 5-10 seconds.” “For US bank accounts, payouts are processed through Plaid and are typically real-time, though in some cases it may take 1-2 business days depending on the bank. For international payouts via PayPal or Wise, processing takes up to 12 business hours.” “If you request a withdrawal of $250 or less from your wallet, you will be charged a $50 withdrawal fee.” | Firm page Firm page |
| FundedNext CFDs and futures | USDT (ERC20, TRC20), USDC (ERC20), RiseWorks, bank transfer, direct deposit to FNmarkets; card also listed for CFDs | Processed within 24 hours; futures adds $1,000 if late, with exceptions | Traders cover transfer gateway fees (CFDs) | “Withdrawal methods include USDT (ERC20, TRC20) , USDC (ERC20), RiseWorks, Bank Transfer, Card and direct deposit to FNmarkets .” “Requests are usually processed within 24 hours , and traders must cover any transfer gateway fees.” “FundedNext Futures offers multiple Performance Reward withdrawal methods — USDT (ERC20, TRC20) , USDC (ERC20) , RiseWorks , Bank Transfer , and direct deposit to FNmarkets” “If processing exceeds 24 hours, $1,000 is added to the Performance Reward , except in cases involving incorrect Reward details or external payment processing” | Firm page Firm page Firm page |
| The5ers CFDs | Rise, crypto (USDT, USDC, ETH, LTC), bank transfer, or Hub Credits (for buying new accounts only) | Typically up to 3 business days after approval | 3.5% on Rise, crypto and bank transfer (plus any receiving-bank fees); none on Hub Credits; crypto capped at $1,500 per withdrawal | “All approved withdrawal requests are typically processed in up to 3 business days.” “Funds are transferred to your Rise Works account: www.riseworks.io Your Rise email must match your The5ers account email. Commission: 3.5% per withdrawal” “Limit: $1,500 per withdrawal Commission: 3.5% per withdrawal” “Commission: 3.5% per withdrawal + any fees charged by the receiving bank” | Firm page |
| Goat Funded Trader CFDs and futures | Rise, crypto, Skrill; bank transfer in 8 African countries only | Homepage promise: within 2 business days (24 hours on-demand) or an extra $1,000 | Not stated on the pages we checked | “Withdrawals are processed through Rise, Crypto, Skrill and Bank transfer (Bank transfer available in Kenya, South Africa, Egypt, Nigeria, Côte d'Ivoire, Tanzania, Cameroon and Ghana only).” “Get Paid within 2 business days or we pay an extra $1000” | Firm page Firm page |
FTMO and FundingPips aren’t included: FTMO’s withdrawal answer loads by script, and FundingPips blocks our fetches, so we couldn’t quote either today. “Not stated” means the page we checked didn’t say. It doesn’t mean the firm has no policy. When payouts are allowed (buffers, minimums, consistency) is covered in the Payout Friction Index.
Methodology
We saved each firm’s payout help pages on 2 October 2026. Apex and Tradeify block automated fetches, so we read their pages through a web reader the same day. Every quote was checked word for word against the saved copy or our notes. “Speed” is what the firm states, which may be approval time, processing time or delivery time, and the quotes show which. Third-party times, such as a bank’s or Rise’s own processing, can add more. We didn’t test any payouts, and this isn’t a ranking. Related: Rules Glossary and State of Prop Firms: October 2026.
How to cite this
Prop Data Lab, “Prop Firm Payout Speed & Methods”, updated 2 October 2026, https://propdatalab.com/prop-firm-payout-speed-methods/
The table and the CSV are free to reuse under CC BY 4.0: copy, chart or republish them, commercial use included, as long as you link back to this page.
Common questions
Which prop firms pay out through Rise?
Of the 8 firms we checked on 2 October 2026: Tradeify, MyFundedFutures, FundedNext, The5ers, Goat Funded Trader. Funds go to a Rise wallet and are then withdrawn to a bank account or crypto wallet.
How fast does Topstep pay out?
Topstep says internal approval can take 1-3 business days. After that, Aeropay is instant, Prop-to-Brokerage is same day if requested by 12 pm CT, Wise and ACH take 1-3 business days, and Wire/SWIFT takes 5-10 business days. ACH and wire cost $30.
Which prop firm pays fastest?
On the firms' own statements, Take Profit Trader's account-to-wallet step takes 5-10 seconds, and US bank payouts via Plaid are typically real-time. FundedNext and Goat Funded Trader promise $1,000 if they miss their stated 24-hour and 2-business-day windows. These are firm claims, not measured times.