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Payments & Payouts

Understanding how you get paid for your sales

How Payments Work

406 Makers uses Stripe Connect to process payments and pay sellers. Here's the flow:

1

Customer Pays

Customer completes checkout and payment is processed via Stripe.

2

Funds Held

Payment is held until the order is marked as shipped.

3

Funds Released

Once shipped, funds move to your pending balance (minus fees).

4

Payout

Pending balance is paid out to your bank on your payout schedule.

Fees & Commissions

We keep our fees simple and transparent. No hidden charges.

Fee TypeAmount
Marketplace Commission
Per transaction
10%
Payment Processing
Stripe fee
2.9% + $0.30
Listing Fee
Per product
FREE
Monthly Fee
Subscription
FREE

Example Calculation

Item Sale Price$50.00
Marketplace Commission (10%)-$5.00
Payment Processing (2.9% + $0.30)-$1.75
Your Earnings$43.25

Shipping fees paid by customers are passed through to you minus the payment processing fee. We don't take commission on shipping.

Payout Schedule

Payouts are sent to your connected bank account on a regular schedule.

Default Schedule

  • New sellers: Weekly payouts (every Monday)
  • Established sellers: Option for daily payouts after 90 days
  • Minimum payout: $1.00

Payout Timeline

Mon

Payout initiated

From your available balance

Wed

Funds arrive

1-2 business days (bank dependent)

Viewing Payouts

Track your payouts at Seller Dashboard → Payments. You'll see:

  • Pending balance (funds awaiting payout)
  • Available balance (ready for payout)
  • Payout history with dates and amounts
  • Individual transaction details

Taxes & Reporting

1099-K Reporting

If you meet IRS reporting thresholds, you'll receive a 1099-K form for your taxes:

  • Federal threshold: $600 in gross sales
  • Form delivery: By January 31st for the prior year
  • Access: Download from Seller Dashboard → Payments → Tax Documents

Sales Tax

406 Makers does not currently add marketplace-collected sales tax to checkout totals. Montana has no statewide sales tax, and Canadian orders ship DAP (Delivered at Place).

  • Order totals reflect the amount collected by 406 Makers at checkout only
  • International orders may be subject to duties, taxes, or customs fees imposed by the destination country
  • Those charges are the responsibility of the buyer and are not included in the purchase price
  • Sellers remain responsible for understanding any filing or registration obligations that apply to their business
  • We will update seller guidance before changing how checkout tax collection works

We recommend consulting a tax professional for your specific situation. You're responsible for reporting your income accurately.

Payment Issues

Delayed Payouts

Payouts may be delayed if:

  • Bank account verification is pending
  • Additional identity verification required
  • Account under review (rare)
  • Bank holidays or weekends

Failed Payouts

If a payout fails:

  • Check your bank account details in Settings → Payments
  • Ensure your account can receive ACH deposits
  • Funds will return to your available balance
  • We'll automatically retry on the next payout cycle

Refunds & Chargebacks

When you issue a refund:

  • The refund amount is deducted from your available balance
  • If balance is insufficient, it will be deducted from future earnings
  • Original payment processing fees are not refunded by Stripe

For chargebacks (customer disputes with their bank):

  • We'll notify you immediately
  • Provide evidence (tracking, communication, etc.) to help fight it
  • A $15 chargeback fee may apply if you lose the dispute

Questions about payments?

Contact Seller Support
406 MT Makers - Montana Made Marketplace