--- title: Getting paid description: Where the money goes, what it costs, and how refunds and chargebacks work. --- Short version: tips land in your own Stripe or PayPal account, TipPage takes at most 1% + 3p of card tips, and we never hold your funds. ## Fees Viewers pay exactly the amount they enter - nothing is added on top. What reaches you depends on the processor: - **Stripe** - a per-tip fee comes off the amount transferred to your Stripe account. It's two things added together: the transaction fee Stripe charges us to process the card, passed on at cost, plus **TipPage's own fee - 1% + 3p in the UK, and less than that everywhere else**. That's what pays for TipPage. There's no setup fee and nothing else you have to pay; [TipPage+](/tippage-plus) is optional. Your rate is set by the country of your Stripe account and is shown on your **Settings → Payments** page. - **PayPal** - no TipPage fee at all. PayPal deducts its own receiving fee inside your PayPal account, exactly as if someone paid you directly. ### Stripe fee by country | Stripe account country | Stripe's cost, passed on | TipPage | Fee per card tip | | --- | --- | --- | --- | | United Kingdom | 1.75% + £0.20 | 1% + £0.03 | **2.75% + £0.23** | | EU / EEA | 2.5% + €0.25 | 0.25% + €0.02 | **2.75% + €0.27** | | United States | 3.15% + $0.30 | 0.5% + $0.04 | **3.65% + $0.34** | | Canada | 3.15% + C$0.30 | 0.5% + C$0.05 | **3.65% + C$0.35** | | Australia | 3.15% + A$0.30 | 0.5% + A$0.05 | **3.65% + A$0.35** | | New Zealand | 3.15% + NZ$0.30 | 0.5% + NZ$0.05 | **3.65% + NZ$0.35** | | Switzerland | 3.15% + CHF 0.30 | 0.5% + CHF 0.04 | **3.65% + CHF 0.34** | | Everywhere else | 3.15% + roughly £0.20 | 0.5% + roughly £0.03 | **3.65% + roughly £0.23** | Why the difference between countries: card payments run on TipPage's own UK Stripe account, and Stripe charges us by where the *card* was issued - 1.5% for UK cards, 2.5% for EEA cards, 3.15% for everything else. Your account country tells us which of those your tippers mostly use, so it sets your tier. (The UK figure is 1.75% rather than 1.5% because about one tip in eight on a UK page is paid with a card from outside the UK - it's the blended cost we're actually billed, measured from real charges, not a markup.) Because Stripe's own cost to us is higher outside the UK, we take a smaller cut there - 0.25% in the EEA and 0.5% elsewhere, against 1% in the UK. The fixed part is always charged in your tip currency (23p, 27c, 34c, and so on). Like Stripe's own fee, it isn't returned if a tip is later refunded. ### What the fee pays for TipPage's cut is our main income, alongside the optional [TipPage+](/tippage-plus) subscription. There's no setup fee, nothing you have to pay monthly, and no TipPage fee at all on PayPal tips, so it's what funds everything every account gets for free: - **The ban system.** Ban someone and the ban follows them, not just the name they typed: card, email, Twitch or Kick account and device are all matched, and a banned donor's card is never charged in the first place - the hold is released instead. - **Platform-wide fraud screening**, so someone caught abusing one channel is already known on yours. - **The tip filter**, so what your chat shouldn't hear never reaches TTS or your overlay. - Overlays, the chat bot, TTS and media queues, sub rewards, team permissions, reports, and the developer API. It's also, as far as we know, the lowest fee on the market. Checked in September 2026, the nearest comparable service charges 2.8% + £0.24 in the UK, 2.8% + €0.28 in the euro area and 3.8% + C$0.48 in Canada - we come in under all three, on both the percentage and the fixed part. Some tipping platforms take 6% *before* payment processing on top of that. The one exception is the United States, where we're dearer: an American card costs a UK-based platform 3.15% to process no matter what we do, so a US-based competitor processing the same card domestically will always be able to undercut us there. We'd rather say so than pretend otherwise. ## Payouts - **Stripe** - tips settle into your connected Stripe account, and Stripe pays out to your bank on your Stripe payout schedule. You manage that schedule (and see your balance) in your own Stripe dashboard, not in TipPage. - **PayPal** - tips arrive directly in your PayPal balance the moment they're captured. Withdrawals to your bank work like any other PayPal money. ## How a card tip is charged Card tips are authorized first and captured second. When a viewer confirms a tip, their bank places a hold on the money; TipPage then runs its checks - your [ban list](/moderation/bans-and-refunds) included - and only captures the payment once the tip is clean. A banned donor's hold is simply released: they are never actually charged, and nothing reaches your queue. PayPal doesn't support this hold-first flow - a banned donor's PayPal tip is captured and then refunded, which viewers agree to when tipping. That's one of several ways PayPal offers weaker protection than Stripe - the [privacy page](/privacy) has the full comparison. ## Refunds Every tip receipt (sent to viewers who enter an email on your tip page) includes a single-use refund code that's valid for 7 days. A viewer can use it to look up their tip and request a refund - those requests appear on your **Refunds** page in the dashboard, where you can review and process them. Viewers agree when tipping that they can request a refund but aren't entitled to one - it's your call. If you refund a charge from your Stripe dashboard, the matching request is marked processed automatically. :::note No receipt email means no refund code - viewers who skip the email field can't request a refund later. ::: ## Chargebacks Tips are real card payments, so a viewer can dispute one with their bank. Stripe passes the disputed amount plus a dispute fee on to the platform. Disputes on your tips are tracked, and if you're on [TipPage+](/tippage-plus), the dispute fee is covered - it comes out of our pocket, not yours. The authorize-then-capture screening above also keeps chargebacks rare in the first place: the tips most likely to be disputed - banned donors, known bad actors - never get captured at all.