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Individual money & fees

Navigation: select the Individual store, then Payments. The Individual money view separates buyer tax, sale fees, actual costs, reserves, debt, Express custody and bank payouts. Unknown amounts are not zero.

  1. Confirm the environment and currency before reading totals.
  2. Find Individual transactions and click the order/reference link to open Transaction details. Compare buyer paid, merchandise, tax, percentage fee, fixed fee, actual costs, reserve and status.
  3. Read unresolved evidence/hold reasons before interpreting availability. ACTUAL_COSTS_REQUIRED, TAX_RECONCILIATION_REQUIRED, FX_EVIDENCE_REQUIRED and RECONCILIATION_REQUIRED mean more evidence is needed.
  4. Review Payout history separately. A sale, custody transfer and bank payout represent different events.
Actual isolated TEST success with signed webhook confirmation and illustrative Creator fee
Existing verified TEST result. English interface retained in both guides. The $94.61 example is before provider costs, tax, holds and payout costs; it is not a bank payout.

In TEST, Payments shows the isolated TEST money interface. Labels such as Stripe fee (TEST estimate) or TEST actual + estimate are estimates or mixed evidence, not actual LIVE costs or bank entitlement. Awaiting Stripe means evidence is pending.

A $100 tax-exclusive sale

Section titled “A $100 tax-exclusive sale”

Individual money stages from charge to confirmed bank arrival

Process diagram, not a product screenshot. Each stage requires its own evidence.

These are arithmetic examples in USD, not executed transactions or guaranteed bank payouts. Buyer tax, if applicable, is separate from the $100 merchandise basis. Assume a hypothetical evidenced seller-borne provider cost of $3.20 solely to show the calculation; this is not a Stripe price quote.

ItemCreatorPro
Merchandise, excluding buyer tax$100.00$100.00
Percentage sale fee$4.90$4.50
Fixed sale fee$0.49$0.39
After commercial sale fee, before provider costs$94.61$95.11
Hypothetical actual provider cost$3.20$3.20
Eligible seller payable before reserve/batch fee$91.41$91.91
New-seller reserve, 10% of payable$9.14$9.19
Remainder before payout costs and other eligibility checks$82.27$82.72

The 0.5% payout fee applies to the eligible payout batch, not another 0.5% of gross sales. If, purely for illustration, a fully eligible batch were $82.27 or $82.72, its fee would round to $0.41, leaving $81.86 or $82.31 before any separately evidenced applicable bank/FX costs. The held reserve remains separate. Pro’s $29 monthly subscription is not deducted as a per-sale fee in this example.

Actual provider costs, currency conversion, debt, maturity, holds and bank fees can change availability. Unknown future costs remain pending; never use the example as a promised bank amount.

Costs and recovery

Section titled “Costs and recovery”

Provider processing, international/cross-border card and applicable FX/payout costs need actual evidence and approved allocation. Kordiva bears its Stripe Tax and dispute infrastructure/representment costs under the current policy; an unclassified aggregate provider fee must not be charged twice or silently treated as zero.

Section titled “Related guides”

Pricing · Reserves · Payout stages · Debt