max / makenotwork

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1	# Stripe: What You Need to Know
2
3	Makenot.work uses [Stripe](https://stripe.com) as its payment processor. This page collects the Stripe-specific details that affect your costs, payouts, and operations as a creator.
4
5	---
6
7	## Processing Fees
8
9	Stripe charges a per-transaction fee on every fan payment. The exact rate depends on your country:
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11	\| Region \| Rate \|
12	\|--------\|------\|
13	\| United States \| {{ stripe.percent \| percent }} + {{ stripe.fixed \| money }} \|
14	\| Canada \| 2.9% + C$0.30 \|
15	\| United Kingdom \| 1.5% + 20p (domestic), 3.25% + 20p (EU) \|
16	\| EU (most countries) \| 1.5% + €0.25 (domestic), 3.25% + €0.25 (cross-border) \|
17	\| Australia \| 1.75% + A$0.30 (domestic), 3.5% + A$0.30 (international) \|
18	\| Japan \| 3.6% \|
19
20	These rates change. Check [stripe.com/pricing](https://stripe.com/pricing) for your country's current rates.
21
22	### The Flat Fee Matters on Small Transactions
23
24	The per-transaction flat fee ({{ stripe.fixed \| money }} in the US) has a bigger impact on small sales:
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26	\| Sale price \| Stripe fee (US) \| Effective rate \| You keep \|
27	\|---:\|---:\|---:\|---:\|
28	\| $1 \| {{ derived.stripe_fee_on_1 \| money }} \| 33% \| {{ derived.stripe_keep_on_1 \| money }} \|
29	\| $5 \| {{ derived.stripe_fee_on_5 \| money }} \| 9% \| {{ derived.stripe_keep_on_5 \| money }} \|
30	\| $10 \| {{ derived.stripe_fee_on_10 \| money }} \| 5.9% \| {{ derived.stripe_keep_on_10 \| money }} \|
31	\| $25 \| {{ derived.stripe_fee_on_25 \| money }} \| 4.1% \| {{ derived.stripe_keep_on_25 \| money }} \|
32	\| $50 \| {{ derived.stripe_fee_on_50 \| money }} \| 3.5% \| {{ derived.stripe_keep_on_50 \| money }} \|
33
34	Bundling items (albums, packs) reduces the per-item impact of the flat fee.
35
36	---
37
38	## Payout Timing
39
40	You choose your payout schedule in your [Stripe dashboard](https://dashboard.stripe.com/settings/payouts):
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42	\| Schedule \| When funds arrive \|
43	\|----------\|-------------------\|
44	\| Standard \| 2-3 business days \|
45	\| Daily \| Next business day \|
46	\| Weekly \| Your chosen day of the week \|
47	\| Monthly \| First of the month \|
48	\| Instant \| Immediately (Stripe fee, regional; see Instant Payouts below) \|
49
50	Timing and fees here are Stripe's and change without us knowing. Your Stripe dashboard is authoritative.
51
52	### First Payout
53
54	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.
55
56	### Minimum Payout
57
58	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.
59
60	---
61
62	## Currency
63
64	Makenot.work is USD-only. Every price you set, every checkout session, and every subscription is created in US dollars, wherever you or your fan are. We do not support pricing in any other currency, and there is no setting to change this.
65
66	### What Your Fans See
67
68	A USD charge. Their card issuer converts to their local currency at its own rate and may add a foreign transaction fee. That happens on their side of the transaction and does not appear in your Stripe dashboard.
69
70	### What You Receive
71
72	If your Stripe account settles in USD, no conversion happens. If it settles in another currency, Stripe converts at payout. Conversion fees are typically 1-2% on top of the transaction fee, and the exact rate depends on the currency pair. You can see conversion detail on individual payouts in your Stripe dashboard.
73
74	### Minimum Charge
75
76	Stripe rejects charges under $0.50 USD, so we block them before they reach Stripe. This applies to single items and to cart totals. Free items (price $0) are unaffected.
77
78	---
79
80	## Stripe Tax
81
82	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.
83
84	### Enabling Stripe Tax
85
86	Toggle Stripe Tax from your payment settings on Makenot.work. Once enabled, it applies to all your checkout sessions (purchases, memberships, tips).
87
88	### What Stripe Tax Handles
89
90	- Rate calculation based on buyer location (see [Stripe Tax](https://stripe.com/tax) for covered jurisdictions)
91	- Collection at checkout
92	- Tax reporting through your [Stripe Tax dashboard](https://dashboard.stripe.com/tax)
93
94	### What You Still Handle
95
96	- 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.
97	- Remittance: You file and pay collected taxes to the relevant authorities.
98	- Thresholds: Monitor your sales volume by jurisdiction. Stripe Tax reports help with this.
99
100	See [You're the Merchant of Record](../about/merchant-of-record.md#tax-tools-available-to-you) for guidance on when to pay attention to cross-border tax obligations.
101
102	---
103
104	## Chargeback Protection
105
106	Stripe offers its own [Chargeback Protection](https://stripe.com/radar/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.
107
108	You can enable it from your Stripe dashboard under Radar settings. This is a Stripe product, not a Makenot.work feature.
109
110	---
111
112	## Stripe Account Ownership
113
114	Your Stripe connected account belongs to you. It is not controlled by Makenot.work.
115
116	- If you leave Makenot.work, your Stripe account stays with you
117	- Your transaction history, payout records, and tax documents remain in your Stripe dashboard
118	- You can use the same Stripe account with other platforms or your own website
119
120	---
121
122	## Country Availability
123
124	Two conditions, both required:
125
126	- Stripe Connect supports your country. See [Stripe Global](https://stripe.com/global) for the current list. If it does not, you cannot receive payouts through Makenot.work, and we offer no alternative payment processor.
127	- Your Stripe account can charge in USD. Because we are USD-only (see [Currency](#currency)), an account restricted by Stripe to its domestic currency cannot take payments here even when Connect supports the country. Stripe applies this restriction in some markets. Check with Stripe for your own country before you build a catalog.
128
129	The second condition is the one creators miss. Country support and currency support are separate questions at Stripe, and we depend on both.
130
131	If either affects you, contact us at info@makenot.work.
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133	---
134
135	## Instant Payouts
136
137	Available in [supported countries](https://docs.stripe.com/payouts/instant-payouts). 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.
138
139	Availability depends on your bank and region. Check your Stripe dashboard to see if instant payouts are available for your account.
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141	---
142
143	## Useful Stripe Links
144
145	- [Stripe Dashboard](https://dashboard.stripe.com): Manage payouts, view transactions, configure settings
146	- [Stripe Pricing](https://stripe.com/pricing): Current fees for your country
147	- [Stripe Tax](https://dashboard.stripe.com/tax): Tax collection settings and reports
148	- [Stripe Payouts](https://docs.stripe.com/payouts): Payout schedules, timing, instant payouts
149	- [Stripe Global](https://stripe.com/global): Supported countries
150	- [Stripe Support](https://support.stripe.com): Account issues, verification, disputes
151
152	---
153
154	## See Also
155
156	- [You're the Merchant of Record](../about/merchant-of-record.md): What being the seller means for you
157	- [Receiving Payouts](./payouts.md): Full payout guide including tax information
158	- [Payments & Refunds](../legal/payments.md): Payment flow, chargebacks, refund handling
159	- [Pricing Tiers](./tiers.md): What each tier costs and includes
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