How Payouts Work

Understanding how money flows through CoinDuffle is important for managing your cash flow and financial planning. This guide explains the complete payment lifecycle from the moment a buyer completes checkout to when funds arrive in your bank account.

The Payment Flow

Every card-based transaction on CoinDuffle follows this flow:

1. Buyer Pays at Checkout

When a buyer completes their purchase, their payment is processed by Stripe. The full order amount (product price + shipping + any applicable taxes) is charged to the buyer's payment method.

2. Stripe Holds the Funds

The funds are held in CoinDuffle's Stripe platform account. This holding period exists to:

• Allow time for order fulfillment
• Protect against fraud and chargebacks
• Ensure the buyer receives their order

3. You Fulfill the Order

You process the order, package the product, purchase a shipping label, and ship the package. This is tracked through order status updates.

4. Payout Is Initiated

After the applicable holding period (based on order fulfillment and delivery status), CoinDuffle initiates a payout to your connected Stripe account.

5. Stripe Transfers to Your Bank

Stripe transfers the funds from your Stripe balance to your connected bank account. Standard bank transfer timing applies (typically 1–2 business days).

What Gets Deducted

CoinDuffle does not charge any platform fees or commissions — you keep 100% of your sale price. The only deduction is from Stripe for payment processing:

Payment Processing Fee

Stripe's standard payment processing fee is deducted from each card transaction:

• 2.9% + $0.30 per successful card transaction
• Covers credit/debit card processing, fraud protection, PCI compliance, and transaction security
• This is Stripe's fee, not CoinDuffle's — it's the industry-standard cost of accepting cards online

See Fees & Pricing for full details.

Example Breakdown

Here's how a typical $100 sale breaks down:

Shipping Costs

Shipping costs paid by the buyer are passed through to you. If you purchase shipping labels through CoinDuffle, the label cost is deducted at the time of purchase, not from the payout.

Payout Calculation

Your payout for each order is calculated as:

Payout = Order Subtotal - Stripe Processing Fee

Where:

• Order Subtotal = Product price × quantity (after any discounts)
• Processing Fee = (Order total × 2.9%) + $0.30

CoinDuffle does not deduct any additional fees. Shipping collected from the buyer and any applicable taxes are handled separately.

ACH / Wire Payment Differences

For orders paid via ACH or wire transfer, the flow is different:

1. The buyer sends payment directly to your bank account
2. You manually confirm payment receipt in CoinDuffle
3. There is no Stripe processing fee (since the payment doesn't go through Stripe)
4. There is no CoinDuffle fee — you keep 100% of the payment

See ACH/Wire Settings for more details.

Viewing Your Earnings

In CoinDuffle

Navigate to Seller Dashboard → Payouts to see:

• Pending balance — Earnings that haven't been paid out yet
• Available balance — Earnings ready for payout
• Total paid out — Cumulative payouts to date
• Recent payouts — Individual payout records with amounts and dates

In Stripe

Log in to your Stripe Dashboard for detailed financial data:

• Transaction-level details
• Payout history
• Balance and available funds
• Fee breakdowns

Payout Holds

In certain situations, payouts may be temporarily held:

New Account Hold

New seller accounts may have an initial hold period (typically 7–14 days) while Stripe verifies your account and builds trust.

Dispute Hold

If a buyer files a dispute (chargeback), the disputed amount is held until the dispute is resolved.

Compliance Hold

Stripe may place a hold if additional verification or compliance documentation is needed.

How to Resolve Holds

• New account holds — These lift automatically after the initial period
• Dispute holds — Provide evidence to resolve the dispute (see Cancellations and Refunds)
• Compliance holds — Check your Stripe dashboard for required actions and provide the requested documentation

Tracking Your Revenue

Per-Order Revenue

Each order in your dashboard shows:

• Gross sale amount
• Stripe processing fee deducted
• Net revenue to you

Monthly Summary

The payouts dashboard provides monthly summaries:

• Total gross revenue
• Total processing fees paid
• Total net revenue
• Number of orders

Exporting Financial Data

For detailed accounting, export your order data to CSV. The export includes fee breakdowns for each transaction.

Tips for Managing Cash Flow

• Understand processing costs — Factor Stripe's processing fee into your pricing strategy so you maintain healthy margins
• Monitor your Stripe balance — Check regularly to ensure payouts are processing normally
• Plan for holds — As a new seller, don't count on immediate access to funds from your first sales
• Reconcile regularly — Compare your CoinDuffle order data with your Stripe payouts and bank deposits
• Set aside tax money — CoinDuffle payouts are taxable income. Set aside an appropriate percentage for tax obligations.
• Keep records — Download and save your payout records monthly for tax preparation