Stripe: What You Need to Know

Makenot.work uses Stripe as its payment processor. This page collects the Stripe-specific details that affect your costs, payouts, and operations as a creator.

Processing Fees

Stripe charges a per-transaction fee on every fan payment. The exact rate depends on your country:

Region	Rate
United States	2.9% + $0.30
Canada	2.9% + C$0.30
United Kingdom	1.5% + 20p (domestic), 3.25% + 20p (EU)
EU (most countries)	1.5% + €0.25 (domestic), 3.25% + €0.25 (cross-border)
Australia	1.75% + A$0.30 (domestic), 3.5% + A$0.30 (international)
Japan	3.6%

These rates change. Check stripe.com/pricing for your country’s current rates.

The Flat Fee Matters on Small Transactions

The per-transaction flat fee ($0.30 in the US) has a bigger impact on small sales:

Sale price	Stripe fee (US)	Effective rate	You keep
$1	$0.33	33%	$0.67
$5	$0.45	9%	$4.55
$10	$0.59	5.9%	$9.41
$25	$1.03	4.1%	$23.98
$50	$1.75	3.5%	$48.25

Bundling items (albums, packs) reduces the per-item impact of the flat fee.

Payout Timing

You choose your payout schedule in your Stripe dashboard:

Schedule	When funds arrive
Standard	2-3 business days
Daily	Next business day
Weekly	Your chosen day of the week
Monthly	First of the month
Instant	Immediately (Stripe fee, regional; see Instant Payouts below)

First Payout

New Stripe accounts typically have a 7-14 day hold on first payouts while Stripe verifies your account. After the initial hold clears, your chosen schedule applies.

Minimum Payout

Stripe requires a minimum balance before initiating a payout. In most regions this is $1 (or equivalent). You can set a higher threshold in your Stripe dashboard if you prefer larger, less frequent payouts.

Currency Conversion

If your fans pay in a different currency than your Stripe account’s settlement currency, Stripe converts automatically. Conversion fees are typically 1-2% on top of the transaction fee. The exact rate depends on the currency pair.

You can see conversion details on individual transactions in your Stripe dashboard.

Multi-Currency Pricing

Stripe supports 135+ currencies for payment. Fans are charged in their local currency when available.

Stripe Tax

Stripe offers automatic tax calculation and collection. When enabled, Stripe determines the correct sales tax, VAT, or GST rate based on the buyer’s location and adds it at checkout.

Enabling Stripe Tax

Toggle Stripe Tax from your payment settings on Makenot.work. Once enabled, it applies to all your checkout sessions (purchases, memberships, tips).

What Stripe Tax Handles

Rate calculation based on buyer location (50+ countries, all US states)
Collection at checkout
Tax reporting through your Stripe Tax dashboard

What You Still Handle

Registration: You must register for tax collection in each jurisdiction where you have obligations. Stripe Tax tells you where you owe, but you register yourself.
Remittance: You file and pay collected taxes to the relevant authorities.
Thresholds: Monitor your sales volume by jurisdiction. Stripe Tax reports help with this.

See You’re the Merchant of Record for guidance on when to pay attention to cross-border tax obligations.

Chargeback Protection

Stripe offers its own Chargeback Protection product at 0.4% of transaction volume. It covers fraud-related chargebacks (stolen cards, unauthorized use). It does not cover “product not as described” or “unrecognized” disputes.

You can enable it from your Stripe dashboard under Radar settings. This is a Stripe product, not a Makenot.work feature.

Stripe Account Ownership

Your Stripe connected account belongs to you. It is not controlled by Makenot.work.

If you leave Makenot.work, your Stripe account stays with you
Your transaction history, payout records, and tax documents remain in your Stripe dashboard
You can use the same Stripe account with other platforms or your own website

Country Availability

Stripe supports creators in 46+ countries. If your country is not supported, you cannot receive payouts through Makenot.work. We do not currently offer an alternative payment processor.

If Stripe availability affects you, contact us at info@makenot.work.

Instant Payouts

Available in supported countries. Stripe charges 1% in CA, EU, UK, SG, NO, HK, MY; 1.5% in US, AU, NZ, AE (minimum $0.50). Funds arrive in your bank account within minutes.

Availability depends on your bank and region. Check your Stripe dashboard to see if instant payouts are available for your account.

Useful Stripe Links

Stripe Dashboard: Manage payouts, view transactions, configure settings
Stripe Pricing: Current fees for your country
Stripe Tax: Tax collection settings and reports
Stripe Payouts: Payout schedules, timing, instant payouts
Stripe Global: Supported countries
Stripe Support: Account issues, verification, disputes