Everything you need to know about cashing out your commissions with LytePay.
No, LytePay is not a loan. LytePay gives you the flexibility to cash out your commissions early for a one-time processing fee per transaction, with no interest charges. Using LytePay does not affect your Total Debt Servicing Ratio (TDSR) or credit score.
Sign up for free using your agency-registered email address and mobile number. Verify your email, mobile, agency, identity (via SingPass) and bank account.
No. Your agency will continue paying you as usual unless you submit a cash out request through LytePay.
For ERA, Huttons, OrangeTee and PropNex agents: Your account will be verified within 1 business day of completing sign-up. Once verified, you can start cashing out if you have sufficient LytePay Balance.
For SRI agents: Account verification takes 1–2 business days. Once verified, you can submit a cash out request if you have an incoming project commission. All requests are subject to SRI's review and approval.
Once your LytePay account is verified, you can submit a cash out request.
Please note that submitted cash out requests cannot be cancelled or reversed.
To learn more, visit our How It Works page.
Cash out limits vary by agency:
Processing fees vary by agency:
Funds will be transferred to your LytePay-registered bank account. You'll receive an email and WhatsApp notification once the transfer is completed.
Your agency automatically repays LytePay from your commissions when they are received. Any remaining commission will be paid to you by your agency as usual.
If a transaction is aborted or your commission amount changes, LytePay may recover any outstanding shortfall directly from you.
Any remaining commission that you did not cash out will be paid to you by your agency as usual.
The repayment process is handled automatically between your agency and LytePay.
Once you've officially changed agencies, your LytePay account will be marked as "Agency Unverified".
Simply log in to your account on web.lytepay.co and select “Menu > Change Agency” to update your agency details. There's no need to create a new account.
Your previous agency will continue repaying any outstanding cash outs from the commissions received. If the commission amount is insufficient, LytePay may recover the shortfall directly from you.
LytePay Pte Ltd is a Major Payment Institution licensed by the Monetary Authority of Singapore (MAS) under the Payment Services Act to provide (i) account issuance service and (ii) domestic money transfer service.
You can find the full terms and conditions at https://lyte.co/policy-centre/
Available for ERA, PropNex, Huttons and OrangeTee agents.
LytePay Balance is the amount of eligible commissions available for you to cash out through LytePay. It is applicable to ERA, Huttons, OrangeTee and PropNex agents.
Your LytePay Balance is calculated automatically from a pool of eligible incoming commissions, based on factors such as transaction statuses and timelines.
Your balance is updated dynamically and may change daily.
Your incoming commissions may not yet be eligible for cash out, your agency may not have provided the latest transaction's data, or you may have already cashed out your available balance.
You'll receive an email and WhatsApp notification when your LytePay Balance increases.
Your LytePay Balance is calculated automatically based on several factors and may differ from your total outstanding commissions. It is updated as new information is received from your agency.
No action is required. You'll be notified via email and WhatsApp when your balance increases.
Your LytePay Balance is updated daily and may decrease if your agency has marked a transaction as paid, or if there are changes to a transaction’s eligibility.
No action is required. You'll be notified via email and WhatsApp when your balance increases.
The types of commissions eligible for cash out vary by agency:
Eligibility is determined automatically based on factors such as transaction statuses and timelines.
Requests to expedite commission eligibility may be reviewed on a case-by-case basis.
To submit a request, email support@lyte.co with one of the following documents:
Other supporting documents, including lawyer's letters, are not accepted.
No. Cash outs are based on your available LytePay Balance rather than a specific transaction. Your agency automatically repays LytePay from incoming commissions on a first-in, first-out basis.
Your agency automatically repays LytePay from your incoming commissions on a first-in, first-out basis. Your cash out is not tied to any specific commission.
If a transaction is aborted or your commission amount changes, LytePay may recover any outstanding shortfall directly from you.
You can view your outstanding amount on the Transactions tab in your LytePay account, accessible via the LytePay Mobile App or Web App.
Cash Out on WhatsApp lets you view your latest LytePay Balance and submit a cash out directly from your LytePay WhatsApp update, without logging in to the Mobile App or Web App.
Cash Out on WhatsApp is currently only available for ERA and OrangeTee agents. For agents from other agencies, cash out is available through the LytePay Mobile App or Web App.
When you receive a LytePay Balance update on WhatsApp, tap “Cash Out Now”, choose how much you want to cash out, review your details and verify with the 6-digit OTP sent to your LytePay-registered email.
Your LytePay Balance updates will be sent from our official WhatsApp number, +65 8825 8498.
Yes. Before your cash out is submitted, you’ll need to verify it with a 6-digit OTP sent to your LytePay-registered email for added security.
No. You can complete your cash out directly within WhatsApp without logging in to the LytePay Mobile App or Web App.
Yes. You can select from the available amounts shown or enter your own amount, up to your available LytePay Balance and a maximum of S$100,000 per cash out.
Promo codes are currently not supported for cash outs on WhatsApp. To use a promo code, please cash out through the LytePay Mobile App or Web App.
You can submit one cash out request for each LytePay Balance update on WhatsApp. To submit additional cash out requests, use the LytePay Mobile App or Web App.
Once submitted, your cash out will be processed as usual. You will receive your commissions in as fast as 1 business day, and we’ll notify you via email and SMS once it’s paid. If you have the LytePay Mobile App, you’ll also receive a push notification.
LytePay works with ERA to give agents early access to their commissions from projects, resales, tagger fees and incentives.
Eligible commissions from projects, resales, tagger fees and incentives may be included in your LytePay Balance. Eligibility is determined automatically based on factors such as transaction status and timelines.
ERA agents can cash out a minimum of $500 and maximum of $100,000 per request, with a maximum outstanding amount of $200,000.
A one-time flat fee of 4.5% applies per transaction. For example, cashing out $1,000 incurs a $45 processing fee.
Once ERA repays LytePay, it may take up to 3 business days for the repayment to be reflected in your LytePay account.
LytePay works with PropNex to give agents early access to their commissions from projects, resales and rentals.
Eligible project, resale and rental commissions may be included in your LytePay Balance. Eligibility is determined automatically based on factors such as transaction status and timelines.
PropNex agents can cash out a minimum of $500 and maximum of $100,000 per request, with a maximum outstanding amount of $200,000.
A one-time flat fee of 4.5% applies per transaction. For example, cashing out $1,000 incurs a $45 processing fee.
Once PropNex repays LytePay, it may take 1–2 weeks for the repayment to be reflected in your LytePay account.
LytePay works with Huttons to give agents early access to their commissions from projects, resales, rentals, commercial transactions, project tagger fees and incentives.
Eligible commissions from projects, resales, rentals, commercial transactions, project tagger fees and incentives may be included in your LytePay Balance. Eligibility is determined automatically based on factors such as transaction status and timelines.
Huttons agents can cash out a minimum of $500 and maximum of $100,000 per request, with a maximum outstanding amount of $200,000.
A one-time flat fee of 4.5% applies per transaction. For example, cashing out $1,000 incurs a $45 processing fee.
Once Huttons repays LytePay, it may take up to 1-2 weeks for the repayment to be reflected in your LytePay account.
LytePay works with OrangeTee to give agents early access to their commissions from projects and resale transactions.
Eligible project and resale transactions may be included in your LytePay Balance. Eligibility is determined automatically based on factors such as transaction status and timelines.
OrangeTee agents can cash out a minimum of $500 and maximum of $50,000 per request, with a maximum outstanding amount of $50,000.
A one-time flat fee of 4.5% applies per transaction. For example, cashing out $1,000 incurs a $45 processing fee.
Once OrangeTee repays LytePay, it may take 1-2 weeks for the repayment to be reflected in your LytePay account.
LytePay works with SRI to give agents early access to their commissions from project transactions. Cash out requests are reviewed and approved by SRI. Once approved, you must accept the payment before LytePay transfers the funds to your registered bank account.
Account verification takes 1–2 business days. Once verified, you can submit a cash out request if you have an incoming project commission.
SRI reviews requests within 3–5 business days. Once approved and accepted, funds are transferred within 1–2 business days.
Please note that submitted cash out requests cannot be cancelled or reversed.
You can request an instant payment for project transactions only.
Email support@lyte.co with the project details. LytePay will assist in adding the project to the list and notify you via email or WhatsApp once it's available.
Once your account is verified, log in to the LytePay Web App and select Request Instant Payment. Enter your project, unit and Option to Purchase (OTP) details to submit your request.
SRI will review your request within 3-5 business days, and you'll need to accept the approved payment before the funds are transferred within 1-2 business days.
Please note that submitted requests cannot be cancelled or reversed.
SRI agents can cash out a minimum of $1,500 and maximum of $100,000 per request.
A dynamically calculated one-time processing fee ranging from 4%–12% applies, based on factors such as the requested amount, transaction status and timelines.
The fee will be displayed before you submit your request.
SRI reviews cash out requests within 3–5 business days. Once approved, you can choose to accept or decline the payment. Funds will be transferred within 1–2 business days after acceptance.
SRI automatically deducts the cashed out amount (including fees) from the commission of the specific transaction you cashed out from and repays LytePay. Any remaining commission will be paid to you by SRI as usual.
If the transaction is aborted or your commission amount is reduced, LytePay may recover any outstanding shortfall directly from you.
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Reach out to us via WhatsApp or email support@lyte.co.