Payouts, refunds and disputes
How money moves, and what happens when it moves back.
The path
- The buyer's card is charged once, on the WIN platform account.
- Once the payment confirms, your share is transferred to your own connected account.
- Your bank payout runs on your account's schedule, which you can see on your finance page.
The reserve on new sellers
A new seller carries a temporary rolling reserve: a percentage of each transfer is held for a set number of days, then released automatically. It exists because a brand new account has no history behind it, and it shrinks as yours builds. The amount held and the release dates are shown in full on your finance page.
The ladder, in full
Three things are held back from an account with no history, and all three relax together. Nothing here is discretionary: the rung is computed from your own age and settled volume, and a dispute rate above our threshold puts an account back on the first one.
- New
- From your first sale. Payout 14 days after the charge, 20% of each transfer held for 90 days, and at most $2,000 of orders accepted in any rolling 30 days.
- Building
- From 30 days and $2,000 settled. Payout 7 days after the charge, 10% held for 60 days, ceiling $10,000.
- Established
- From 90 days and $25,000 settled. Payout 3 days after the charge. No reserve, no ceiling.
- Trusted
- From 180 days and $100,000 settled. Payout 2 days after the charge. No reserve, no ceiling.
Payouts themselves run weekly. The delay above is counted from the charge, so the first payout of a new account lands later than the ones that follow it.
Refunds
A refund returns the money to the buyer and reverses the matching transfer for the same share, so the money goes back the way it came. The card network keeps its processing fee on a refunded order; that cost is charged to the seller, because otherwise a refund would cost the platform money on an order it earned nothing from.
Disputes
A dispute is led by the seller: you provide the evidence, because you have it. If the dispute is won the funds are returned to you and the dispute fee is credited back. If it is lost, the funds and the fee stay with the buyer's bank. WIN steps in only when the fault is the platform's: a failed webhook, a double charge, a checkout bug.
Fraud warnings
When the card network flags an order as likely fraudulent before a dispute exists, the order is marked and shipping is blocked on it. Nothing is refunded automatically. Shipping is the irreversible step: before it, a chargeback costs the money; after it, the money and the goods.