Getting paid

1. Connect your Stripe account

Go to My Shop → Settings → Payouts and choose Connect with Stripe. That hands you to Stripe's own onboarding. You are filling in Stripe's forms on Stripe's site, not ours.

Have these ready. Stripe asks for them because it is the one paying you, and it is regulated:

• Your legal name and date of birth
• Your home address
• A government ID, and in the US the last four digits of your Social Security number. Stripe may ask for a photo of the ID if it cannot verify you from those alone.
• The bank account you want paid into: account and routing numbers
• If you sell as a company rather than as yourself, its details and tax ID instead

None of that reaches us. It goes to Stripe, and Shelf Collectibles never sees or stores your bank details or your ID. We hold only the account reference Stripe gives back. When you finish, Stripe returns you to your shop settings and the Payouts panel switches to connected.

If it says your setup is incomplete

Stripe still wants something: often an ID photo, sometimes a detail that did not match its checks. Choose Finish Stripe setup and Stripe will say what is outstanding. Until it is resolved your shop stays closed to orders, so it is worth doing in one sitting.

2. What comes out of a sale

Take a $100 item with $8 shipping:

• The buyer pays $108 plus a processing fee of 2.9% + $0.30, added on top and shown to them in the cart before they pay. Card processing does not come out of your side.
• We keep 3% of the item subtotal ($3 here). Not of shipping, and not of the processing fee.
• The remaining $105 reaches your Stripe balance at the moment of sale.

Sales tax, where it applies, is collected on top and remitted by us. Marketplace rules put that duty on the platform rather than on you.

3. When it reaches your bank

Money lands in your Stripe balance immediately; what takes time is the transfer to your bank. New shops are held for 14 days, and that shortens to 2 days, Stripe's own standard, once your shop has both:

• 10 delivered orders, and
• 30 days of trading

Both, not either. Ten orders in a single day is a different thing from ten orders over two months, and an old shop that has sold nothing has not shown anything yet.

This is not a hold on selling. You can list and take payment from your first minute. What a new seller waits for is the money reaching the bank, and only until there is a track record.

The reason is chargebacks. A disputed card is charged back to us first, and the only way we can recover it is while the money is still in your Stripe balance. Once it has been paid out we cannot reach it. So a shop with an open dispute goes back to the 14-day schedule until it is settled, and a shop that has lost one stays there.

Your current schedule is always visible in your own Stripe dashboard: Manage on Stripe in the Payouts panel.

4. Chargebacks are yours

If a buyer disputes a charge, you supply the evidence, and you do it inside the deadline the card network sets. An unanswered dispute is lost automatically. We notify you and every administrator as soon as one opens.

A lost dispute is recovered from you, including the dispute fee, from your balance and from future payouts. See the Terms for the exact wording. The practical defence is boring and effective: ship to the address on the order, add tracking, and mark the order shipped so the record exists when you need it.

A sale paid in USDC cannot be charged back. Chargebacks are a card network process, and a stablecoin payment does not go through it. There is no window in which the money can be taken back from you, and nothing to answer. A refund is still possible, but only if you or we issue one, and it returns as USDC to the wallet the buyer paid from.

5. Changing things later

Manage on Stripe opens your Stripe Express dashboard. Change your bank account there, see upcoming and past payouts, and download statements. Those are Stripe's to hold, so they are changed with Stripe rather than with us.

If your shop asks you to reconnect

It means the connection is no longer usable: most often an account that was closed or rejected at Stripe's end. Your shop stops taking orders until it is fixed. Reconnecting starts a fresh Stripe account rather than repairing the old one, so any balance still sitting in the previous account has to be settled with Stripe directly.

Still stuck?

Email support@shelfcollectibles.com and tell us your shop name and what the Payouts panel says. If Stripe is refusing to verify you, its support can see reasons that we cannot.