Payments, Fees & Payouts

Last Updated: August 16, 2026

This page explains exactly how money moves on Lopperly — what a buyer pays, what Lopperly keeps, what Stripe charges, and when a seller actually receives their money. We link here from anywhere in the product that touches your money, so you never have to guess.

Lopperly currently operates in the United States and settles in US dollars only.

1. Who Holds the Money

Lopperly does not hold your money. Payments are processed by Stripe, and every seller has their own Stripe Express account, created when they set up payments in the seller dashboard.

When a buyer pays for a listing, we use what Stripe calls a direct charge. In practice that means:

The payment goes to the seller's own Stripe account, not to a Lopperly account.
The seller is the merchant of record for the sale.
Lopperly's commission is taken out of that payment automatically as an application fee.
Stripe's processing fee is deducted from the seller's balance.

Lopperly never has custody of seller funds, and we cannot move money out of a seller's Stripe account other than by triggering a payout to their own bank account.

2. What the Buyer Pays

The buyer pays:

Listing price × quantity + sales tax

That's it. There is no buyer-side service fee, booking fee, or platform surcharge.

Listing price is the price the seller set. Nothing is added on top of it by Lopperly.
Sales tax is calculated at checkout by Stripe Tax based on the transaction, and is added to the total. Where tax applies and at what rate is determined by the applicable jurisdiction, not by Lopperly.

Lopperly's commission does not increase the buyer's price. The commission comes out of the seller's side of the transaction. A $20 listing costs the buyer $20 plus any applicable tax, whether our commission is 5% or 0%.

3. What Lopperly Charges the Seller

Lopperly charges a commission of 5% of the listing subtotal (the listing price × quantity, before tax).

On a listing subtotal of $100.00, Lopperly's commission is $5.00.

The commission is calculated on the subtotal only. We do not take a commission on sales tax.

There are no other Lopperly fees. Specifically, there is no listing fee, no monthly or subscription fee, no payout fee, and no fee for creating or maintaining a seller account. Free and give-away listings carry no commission at all — the commission only applies to paid sales.

If we ever change the commission rate, the rate in effect at the time an order is placed is the rate that applies to that order. As set out in our Terms of Service, we give at least 14 days' notice on the platform before a change to the standard fee rate or fee structure takes effect.

Promotional and waived commission

We may reduce the commission or waive it entirely — for example during a launch or introductory period. When the commission on an order is $0.00, your order breakdown shows it as Waived.

A promotion runs on the terms we publish when we announce it: either for a stated period, or until we give notice that it is ending. If we did not state an end date, we give at least 30 days' notice before the standard rate resumes. We may extend or continue a promotion at any time — that is not a fee change, and it needs no notice.

A reduced or waived commission never changes what the buyer pays. It only changes how much of the sale reaches the seller.

4. What Stripe Charges

Stripe's processing fee is set by Stripe, not by Lopperly, and Lopperly receives no share of it. Because sales are direct charges on the seller's own Stripe account, Stripe deducts its processing fee from the seller's balance.

Stripe's fee depends on the payment method, the card, and the buyer's country. Stripe publishes its current rates at stripe.com/pricing — that page, not this one, is the authoritative source. As a rough guide, standard US online card payments are priced at a percentage of the transaction plus a small fixed amount per successful charge, with surcharges for international cards and currency conversion.

Because the fixed per-transaction component does not scale with order size, Stripe's fee takes a much larger proportional bite out of small orders. This is why paid listings have a minimum price of $3.00 — below that, processing costs consume too much of the sale to be worth anyone's time.

Every fee Stripe charges is itemised in your Stripe Express dashboard, reachable from Seller dashboard → Payment account → View Stripe dashboard. Lopperly also shows a per-order breakdown — listing subtotal, Lopperly fee, Stripe processing fee, and your earnings — on each paid order in your seller dashboard.

5. Worked Example

A buyer purchases a $100 listing in a jurisdiction where $8.00 of sales tax applies. Stripe's processing fee in this example is $3.20 — the exact figure depends on Stripe's current published rates and the card used.

The buyer is charged $108.00, made up of:

Listing subtotal — $100.00
Sales tax — $8.00

From that, the following come out of the seller's side:

Lopperly commission, 5% of the $100.00 subtotal — −$5.00
Stripe processing fee — −$3.20
Sales tax collected for remittance — −$8.00

The seller's net proceeds are approximately $91.80.

The tax line is not seller income. Tax is calculated and collected at checkout by Stripe Tax, but determining, reporting, and paying the tax you owe remains your responsibility as the seller — Lopperly does not withhold or file returns on your behalf, except to the extent our payment processor does so automatically as part of its own tax features. If you are unsure of your obligations, talk to a tax professional. See §5.4 of our Terms of Service.

6. Payouts — When Sellers Get Paid

This is the part most people have questions about, so it is worth being precise.

Funds settle into your Stripe balance first

After a sale, the money sits in your Stripe account balance. It moves through two states:

Pending — the payment has been captured but Stripe has not yet made it available. New accounts typically see a longer initial hold while Stripe establishes a processing history.
Available — the funds have cleared and are eligible to be paid out to your bank account.

Both figures are shown on your seller dashboard.

Stripe does not schedule your payouts — Lopperly does

Lopperly sets your Stripe account to manual payouts. Stripe does not automatically sweep your balance to your bank on its own daily or weekly cycle. Instead, we initiate payouts for you on the schedule described below.

This is why your dashboard shows "No scheduled payout" — that is the normal, expected state, not an error and not a sign that anything is wrong with your account. It simply means no payout is currently in flight. Your money is safe in your Stripe balance and is displayed under Available and Pending.

The daily payout check

Once a day, at 10:00 AM Pacific time, we check every seller's available balance. If your available balance is $30.00 or more, we initiate a payout of the full available amount to your bank account.

If your available balance is below $30.00, no payout is initiated that day. The balance stays safely in your Stripe account and keeps accumulating from later sales until it crosses the threshold, at which point the next daily check picks it up.

Once a payout is initiated, Stripe transfers the funds to the bank account you connected during onboarding. Arrival typically takes a couple of business days, and the expected arrival date is shown on your dashboard under Next payout while the payout is in flight.

Because a payout is usually initiated and completed between daily checks, "No scheduled payout" is what you will see most of the time.

Payouts require a completed Stripe account

Stripe will not pay out until your account has cleared its identity and bank verification. If onboarding is incomplete or Stripe has asked for additional information, payouts are held until you resolve it. Your seller dashboard flags this, and the outstanding requirements are listed in your Stripe Express dashboard.

7. Refunds and Cancellations

When an order is refunded:

The buyer is refunded through Stripe, back to the original payment method.
Lopperly's commission is refunded too — we do not keep our commission on a refunded sale.
Stripe's processing fee on the original charge is generally not returned by Stripe. That is Stripe's policy, not ours, and it means a refunded sale can leave the seller slightly out of pocket on the processing fee.

Refunds can take several business days to appear on the buyer's statement, depending on their bank.

8. Disputes and Chargebacks

If a buyer disputes a charge with their bank, the dispute is raised against the seller's Stripe account, because the seller is the merchant of record. The disputed amount and any dispute fee charged by Stripe are debited from the seller's Stripe balance while the case is open.

Sellers respond to disputes through their Stripe Express dashboard. Keeping clear listing descriptions, honest photographs, and a record of the handover is the most effective protection.

9. Questions

If something on your dashboard does not match what this page describes, contact us — we would rather hear about it than have you wonder.

This page describes how the platform operates and is provided for transparency. It is not tax, accounting, or legal advice, and it does not replace our Terms of Service, which govern your use of Lopperly.