Payout Policy

1.1. Payouts below the €10 minimum roll to the next payout cycle.

1.2. Payout schedules are based on delivery confirmation, not Order placement.

2.1. Order funds become payout-eligible after:

a) Delivery confirmation by the carrier or Buyer, plus

b) A 48-hour buffer period for buyer dispute window.

2.2. For new Sellers, additional holds apply per Plan (see Section 3).

2.3. Orders with active refund requests or disputes are excluded from payout eligibility.

3.1. After the hold period, funds are automatically released to the Seller's available balance.

3.2. New Seller reserves are a one-time trust-building measure, not a recurring charge.

4.1. Starter and Growth Sellers: 5% of each payout is withheld as rolling reserve during the first 90 days.

4.2. Each withheld amount is released exactly 90 days after it was held.

4.3. Brand Pro Sellers are exempt from rolling reserve.

4.4. Rolling reserve is shown in the Seller billing dashboard with per-entry release dates.

5.1. THEECOMAX may place holds on Seller balances in cases of: elevated chargeback rates, suspicious activity, identity verification issues, or policy violations.

5.2. Risk holds may last up to 30 days, subject to manual review.

5.3. Sellers are notified of risk holds with reasons provided where legally permissible.

5.4. Held funds are not forfeited unless determined to be proceeds of fraud or policy violation.

6.1. When a chargeback is opened, the disputed amount is held from the Seller's available balance.

6.2. If insufficient available balance, the hold creates a negative balance offset against future earnings.

6.3. Resolution: if dispute resolved in Seller's favor, funds are released. If resolved against Seller, funds are deducted.

6.4. A €15 dispute fee applies regardless of outcome (Stripe pass-through).

7.1. If refunds or chargebacks cause a negative available balance, future earnings offset the negative before any payout is issued.

7.2. Negative balances older than 180 days are flagged for collections review.

7.3. THEECOMAX does not automatically charge the Seller's bank account to cover negative balances.

8.1. Payouts are settled via Stripe Connect to the Seller's verified bank account.

8.2. Settlement currency: EUR or USD, elected at account setup.

8.3. Cross-currency conversion uses Stripe mid-market rates at settlement time.

8.4. FX conversion cost is Stripe's standard spread. THEECOMAX does not add FX markup.

9.1. If a payout fails (invalid bank details, closed account), the transfer is retried once.

9.2. If retry fails, funds are held in the Seller's balance with a dashboard notification.

9.3. Seller must update bank details to unblock future payouts.