> For the complete documentation index, see [llms.txt](https://whitepaper.dfans.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://whitepaper.dfans.xyz/faq/creator-questions/earnings-and-payouts/oct-payments.md).

# OCT Payments

Original Credit Transaction (OCT) is a payment method that enables direct transfers of funds to credit card users (only available to Creators outside the US). 

 

If you encounter the following error message:

"We have been unable to process your payout due to the following reason: Please use another card or try to withdraw in 12 hours. Choose a different payout method if the problem persists."

* Try adding another payment card as it is possible that your current card does not support Direct Transfer (OCT) payments. 
* Try requesting again after 12 hours.

If these solutions do not work, please try alternative payout solutions available for your account.


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