Powered by Stripe Connect Standard
Last Updated: December 1, 2025
Governing Law: State of Georgia
Venue: Fulton County, Georgia
This Seller Payout Policy explains how vendors (“Sellers”) receive payments for orders placed through the Shwcse platform. Shwcse uses Stripe Connect Standard to process all payments and distribute funds directly to Sellers.
By selling on Shwcse, you agree to this policy and to Stripe’s Terms of Service:
https://stripe.com/legal
1. Connecting Your Stripe Account
To receive payouts, Sellers must:
Create or connect a Stripe Standard Account
Complete all identity and banking verification steps required by Stripe
Maintain accurate and up-to-date account information at all times
If verification is incomplete or fails, payouts will not be issued.
Shwcse cannot override Stripe verification or manually release funds.
2. Role of Stripe vs. Shwcse
Stripe Handles:
Customer payment processing
Fund storage and transfers
Payout timing and delivery
Identity verification
Fraud and risk assessment
Chargebacks and payment disputes
Shwcse Handles:
Marketplace operations and order facilitation
Platform fees (commissions and approved adjustments)
Vendor compliance reviews
Customer-facing policies and platform support
Shwcse never receives, holds, or manages Seller funds.
All payouts move directly from Stripe to the Seller.
3. How Funds Flow
When a customer completes an order:
Stripe processes the customer payment on behalf of the Seller.
Stripe deducts:
Stripe processing fees
Shwcse platform application fees (commissions and approved adjustments)
Remaining funds are deposited into the Seller’s Stripe balance.
Stripe sends payouts to the Seller according to Stripe’s payout schedule.
Shwcse does not control payout timing.
4. Stripe Processing Fees
Stripe typically charges:
2.9% + $0.30 per successful charge
(International, high-risk, or specialty payments may vary.)
These fees are deducted automatically by Stripe and are not refunded, even if a customer receives a refund.
5. Payout Schedule (Set by Stripe)
Stripe controls payout timing, which may vary based on:
Seller location
Industry category
Account verification status
Risk and dispute history
Typical U.S. payout timing:
2–7 business days after the transaction
Instant Payouts may be available for an additional Stripe fee
Shwcse cannot accelerate or release delayed payouts.
6. Payout Holds & Reserves (Stripe-Controlled)
Stripe may place holds or reserves when:
Identity verification is incomplete
Risk or fraud signals are detected
Refund or chargeback rates are high
Required banking or tax information is missing
Additional compliance review is required
Holds may include:
Temporary payout delays
Rolling reserves
Account balance requirements
Full payout suspension
Shwcse cannot access or override held funds.
7. Chargebacks
If a customer files a chargeback through their bank:
Stripe withdraws the disputed amount from the Seller’s Stripe account
Stripe may apply a chargeback fee
Sellers must submit evidence through Stripe’s dashboard
Stripe or the card issuer determines the final outcome
If the dispute is lost, the Seller is financially responsible.
Multiple chargebacks may result in:
Payout delays
Increased reserves
Stripe account restrictions or termination
Shwcse does not manage chargeback investigations.
8. Refunds & Adjustments
When Shwcse approves a customer refund:
Stripe reverses the payment from the Seller’s Stripe account
Stripe does not reimburse processing fees
If the Seller’s balance is insufficient, Stripe may:
Debit the Seller’s bank account, or
Create a negative Stripe balance
Shwcse may apply additional platform adjustments when the Seller is at fault, including for misrepresentation, defects, or incorrect items.
9. Negative Balances
A Seller’s Stripe account may show a negative balance due to:
Refunds
Chargebacks
Return-related adjustments
Stripe fees
Dispute losses
Stripe may automatically:
Deduct from future payouts
Debit the Seller’s connected bank account
Shwcse may also restrict listings, pause account activity, or suspend vendor access until the balance is resolved.
10. Account Termination & Final Payout
If a Seller’s Shwcse account is suspended or terminated:
Stripe may hold funds for up to 90 days to cover disputes
Once all disputes and holds are cleared, Stripe releases eligible funds
If Stripe closes the Seller’s Stripe account, payouts stop until a compliant account is established
Shwcse cannot issue manual payouts under any circumstances.
11. Taxes
Sellers are responsible for:
Reporting all income received through Stripe
Submitting required tax documents to Stripe
Complying with federal, state, and local tax obligations
Stripe may issue required forms (such as 1099-K) when legally required.
12. Customer Fees Are Separate
This policy applies only to Sellers.
Customer-facing fees, including:
Delivery fees
Return fees
Restocking fees
Processing fees
…are governed by Shwcse’s customer policies and are not covered in this document.
13. Support & Contact Information
For Stripe account or payout issues:
Stripe Support
https://support.stripe.com/
For marketplace-related issues:
Shwcse Support
Email: support@shwcse.com
Phone: 470-782-8909
Location: Fulton County, Georgia
Website: https://shwcse.com