1. Member selects one amount
The member reviews one $5, $10, $15 or $20 direct payment, the named recipient, exact 1.5% fee and any qualified voluntary booster.
PAYMENT
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Stripe controls financial accounts and credentials. NollyWin receives only the limited confirmation needed to operate member activity and turns.
2. Recipient receiving controls availability
Every member completes Stripe recipient onboarding once. An active upgrade automatically opens the scheduled recipient's previously connected account when that member becomes #1. A standard member must open receiving manually. The timer keeps running while payments wait.
3. Stripe hosts manual payment
Stripe Checkout collects and processes payment information. NollyWin never receives the member's complete card number, bank credentials, Stripe password or complete Stripe balance.
4. Optional two-way upgraded account
After the first manual activation payment, a member may purchase the separate $20 monthly upgrade. It authorizes one selected off-session direct contribution per eligible window and automatic opening of the member's previously connected recipient account when the member becomes #1.
5. Recipient turn switches autopay direction
An upgraded member is not charged a contribution while that member is #1. Instead, the upgrade automatically opens receiving on the connected Stripe account. Outgoing contribution autopay resumes in the next eligible window; monthly upgrade billing remains separate.
6. Saved card remains with Stripe
Stripe stores the payment credential and gives NollyWin limited customer, subscription and payment-method reference IDs. NollyWin uses the reference to request an authorized charge and does not store the complete card number.
7. Recipient receives directly; Stripe controls payout timing
Every manual or automatic contribution is processed on the recipient's connected Stripe account for that window. NollyWin does not receive, pool, hold or forward contribution principal. Stripe typically schedules a connected recipient's first live payout within 7–14 days. Later standard payouts commonly reach the bank in about 2–3 business days, although weekends, holidays, bank processing, account country, reserves or reviews can take longer. The expected deposit date appears in the recipient's Stripe Dashboard.
8. One-window safeguards
A unique database record and stable Stripe idempotency key limit each member to one contribution per window. Repeated workers and repeated webhook deliveries process the same job rather than intentionally charging again.
9. Stripe sends a signed event
Stripe sends NollyWin a limited confirmation containing the provider reference, relevant member and recipient identifiers, amount, currency, status, fee and timestamp.
10. NollyWin verifies activity
Only the signed provider event can activate membership or mark a member paid. A browser return, screenshot or manually entered reference does not create credit.
11. Blocked-window protection
If receiving never opens, members cannot be charged. Existing active members keep their standing, the recipient moves to the end at the deadline and the next eligible member becomes #1.
12. Declines and authentication
A declined or authentication-required automatic payment creates no contribution credit. The member should review the Member Circle for the permitted recovery action before the window closes. An upgraded member must not attempt a separate manual payment unless the Member Circle expressly makes a recovery checkout available.
13. Queue record updates
Verification data is used to keep confirmed contributors active, move inactive members behind them, apply eligible booster rules and preserve the protected recipient rotation.
14. Member control
The Member Circle lets an upgraded member change or pause outgoing contribution autopay and open Stripe's billing portal to update the card or cancel the $20 monthly subscription. Automatic receiving remains active while the subscription is active.
15. Automatic rotation
At the end of the displayed window, NollyWin automatically updates the queue and rotation archive. It does not cash out or transfer money because each payment was already handled directly by Stripe.