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Builder Payouts, Refunds and Disputes

Sales accrue in a ledger. A monthly job transfers the balance to your Stripe account once it reaches $50. Refunds, disputes and cancellations post negative entries to the same ledger. You can refund your own sales yourself until they are paid out (dec-094, accepted).

Not enabled yet
  • Payouts are not enabled. Sales accrue in your Seller Hub balance. The monthly payout job is off until it is proven live. No payout date is promised here.

Connect Stripe​

  1. In the Seller Hub choose Set up payouts. The button reads Finish Stripe onboarding if you started and did not finish.
  2. Stripe hosts the onboarding and identity verification. You return to the Seller Hub when it is done.
  3. The Seller Hub shows Payouts ready once the account can receive transfers.

Your connected account has a full Stripe dashboard. Stripe collects the requirements and bills the account directly for its own fees. SchemaBounce does not pay Connect fees for you and does not deduct them from your balance. See Earnings and fees for the fees that do come out of each sale.

A paid listing can be checked out only after the publisher's account is ready to receive transfers.

How a payout works​

  • Payouts are monthly and automatic, one per publisher per calendar month.
  • A sale's earnings are payable 30 days after the sale. A subscription invoice's earnings are payable 30 days after that invoice. Chargebacks and cancellation credits apply right away.
  • The payable balance must be at least $50. A smaller balance carries forward.
  • The transfer is your whole payable balance at that moment, and a payout is never negative. A sale or dispute that lands during the job waits for the next payout.
  • A failed transfer leaves your balance untouched and retries.
  • Stripe then pays your bank on your account's schedule.

Refunds, disputes and cancellations​

Refunds​

A builder's balance never goes below zero (dec-094, accepted). You can fully refund any of your own sales from the Seller Hub, with no approval from SchemaBounce, as long as that sale's earnings have not been paid out. Open Sales, choose Refund on the sale and confirm. The confirmation shows what the buyer gets back and what leaves your balance.

  • The buyer gets 100% of the payment back through Stripe, and their entitlement ends.
  • Your balance is debited exactly what the sale earned you. SchemaBounce gives up its 15% platform fee and covers the card fees Stripe keeps on a refund.
  • Example on a $100 sale: your share was $81.80. A refund gives the buyer $100.00 and takes $81.80 from your balance, so a refunded sale nets you $0.00, never less.
  • Earnings are paid out 30 days after the sale. A sale you refund inside those 30 days nets to zero and never lowers another payout.
  • A sale that was already paid out cannot be refunded from the Seller Hub. The row shows Paid out. Contact SchemaBounce support, who refund it and take nothing from you.
  • Refunds are full only. A second request for the same sale returns the first refund and debits nothing more.
  • A disputed sale cannot be refunded.
  • On a subscription sale the refund covers the latest charge only and ends the subscription at once. Earlier periods are not refunded. The buyer gets no marketplace account credit on top of the refund, and your balance is debited what that invoice earned you.
  • A full refund made directly in the Stripe dashboard is read back into your ledger once. If the sale was already paid out, it debits you nothing.
  • Buyers cannot trigger a refund themselves. A SchemaBounce administrator can still refund a sale as a support fallback.

Disputes (chargebacks)​

  • When a buyer's bank opens a dispute, your balance is debited the builder share of the disputed amount plus the Stripe dispute fee. If Stripe does not report a fee, $15 is used.
  • The debit never takes more than your current balance. SchemaBounce absorbs any shortfall and records it as a platform loss. You are never left owing money.
  • If you win, the marketplace credits back what Stripe reinstated, including a returned dispute fee, but never more than the dispute debited.
  • Disputes on SchemaBounce's own listings cost no builder anything.

Buyer cancels a subscription​

  • A buyer's cancellation ends the subscription immediately and ends their access at once.
  • The unused days of the paid period become marketplace account credit for the buyer. It is not a card refund.
  • Your balance is debited your share of that credit: the credit less the 15% platform fee and the 0.7% billing fee. The card fee is not returned, because Stripe keeps it. The debit never takes more than your current balance; SchemaBounce absorbs any shortfall.
  • Example: a buyer cancels a $499 subscription halfway through the period. The credit is about $249.50 and about $210.32 is debited from your balance.
  • A retry never debits twice for the same subscription.

Failed payments​

If a subscription charge fails, the buyer keeps access while Stripe retries. Access ends when Stripe cancels the subscription or marks it unpaid.

Where you see it​

The Seller Hub lists your sales with a Refund action and shows customer payments, platform fees, card processing, refund adjustments, your take-home, available balance and paid-out earnings. Negative entries reduce the accrued balance that the next payout transfers.