Payment Terms

These Payment Terms form part of our Terms of Service and set out how money moves: what buyers are charged, what sellers are paid, what is deducted, and when. They apply to buyers, sellers, organizations, and organization staff. Terms defined in the Terms of Service, Terms for Buyers and Terms for Sellers have the same meaning here.

Prices are set by sellers, and shown and charged in US dollars. The amount shown at checkout is the amount charged. We use third-party payment providers to process it, and you authorize us to pass your payment details to them for that purpose.

The charge appears as SLUSHY — LinkPay is powered by Slushy and bills under its merchant account.

If your card was issued outside the US or in another currency, your issuer converts the amount and may charge conversion or foreign-transaction fees. Those are set by your issuer, not by us, and we do not receive them.

Except as set out in Refunds and Disputes, payments are non-refundable.

We never receive or store a full card number. It passes from your browser directly to our payment provider. We keep a reference the provider gives us — which is useless to anyone without our own merchant credentials — together with the card brand, last four digits and expiry, so we can show you which card it is. Your security code is passed to the provider and never stored.

A card is saved as a by-product of a purchase that succeeded, and is attached to your account rather than to a seller or a link, which is what lets you buy from a different seller with one tap. You authorize us to charge a saved card when you tap to pay with it.

There are no recurring charges on LinkPay. No subscriptions and no automatic renewals. Every charge follows an action you took.

A completed sale is distributed in a fixed order:

1. Processing costs and taxes — the facts of what the payment cost, from the payment provider and the tax authority.
2. The platform fee — ours, taken before anything is distributed.
3. The organization’s share and the seller’s share — where an organization created the link, divided on the terms the seller accepted.
4. Staff commissions — where organization staff created the link, deducted from whichever side agreed to fund it, never added as a further slice.

The shares always add up to the sale less processing costs and taxes. Nothing is taken twice and no share can go negative on a sale.

Every allocation records the fee and split configuration that produced it. A later change to a fee or a split does not reopen a settled sale — reversals and adjustments use the configuration that applied at the time, not the current one.

The platform fee is what LinkPay charges to run the service. It is taken before proceeds are distributed, and is shown on every sale in your dashboard.

By default the fee is 25% of a sale, so you keep 75%.

The default is not the only rate. A fee can be agreed for an organization or for an individual seller, and where one has been, the most specific agreed rate applies instead of the default. A seller’s own agreed rate continues to apply while they are in an organization, and leaving an organization never leaves them on that organization’s rate.

Your actual rate is always the one shown on your sales, not the default quoted above.

We may change the fee. A change takes effect on a stated future date and we will tell you before it does. It never applies to a sale that has already happened.

A revenue split between an organization and a seller applies only once the seller has accepted it. Changing it creates a new version requiring fresh acceptance. A staff commission is active only when both the seller and the staff member have accepted it.

An organization earns only on links it created. Staff earn only on links they created. A seller’s own links pay no share to anyone.

LinkPay is not a party to the arrangement between a seller and an organization. We compute and settle it as accepted and keep the record of which version applied to each sale. Disputes about the commercial merits of a split are between those parties; we will not re-cut a settled sale. See Terms for Sellers.

You have two figures, and the difference between them is time:

• Pending — earned, but still inside the hold.
• Available — out of the hold and ready to withdraw.

Every amount you earn matures 10 days after the sale. The hold exists because a card payment can be reversed after it has settled; it is the window in which a reversal costs nobody anything, and it is what makes it safe to pay out at all.

Balances belong to the person who earned — a seller, an organization owner, or a staff member — and are calculated from the record of allocations rather than kept as a running total, so what you see is what the ledger says.

Earning is never delayed by the hold. Only withdrawing is.

Nothing leaves your balance until we have the right tax document from you. Which one depends on who you are:

• W-9 — a US person, individual or entity.
• W-8BEN — a foreign individual who is the beneficial owner.
• W-8BEN-E — a foreign entity, signed by an authorized signer.

An expired certification blocks payment exactly as a missing one does. A W-8 lapses at the end of the third calendar year after it was signed; a W-9 does not expire on a clock, but a change in your circumstances invalidates it. If yours has lapsed, refile before you need the money.

This gates both withdrawals and advances. An advance disburses money the same way a withdrawal does, so gating only one would leave the same obligation unmet through another door.

The form itself is prepared, signed and stored by our tax-form provider, not by us — we receive only a record that you filed, when, and a reference to the document. Your taxpayer identification number is never stored by LinkPay. That provider account is shared with Slushy, operated by the same company; filings are namespaced so the two products’ records are distinguishable. See our Privacy Policy.

Your taxes are yours. You are responsible for reporting and paying tax on what you earn, and for any sales or value-added tax on what you sell, except where we are required to withhold and remit it. Where the law requires us to report what we paid you, we will.

You can withdraw your available balance. To do so, all of the following must be true:

• your tax document is on file and current;
• your identity is verified;
• you have an active payout account;
• your available balance is greater than zero and not negative.

Payouts are made in US dollars through our payout provider. If a payout fails, is returned, or is cancelled, the amount goes back to your balance and the reason is shown in your withdrawal history. Make sure your payout details are right — we are not responsible for money that goes astray because they were wrong.

We may change payout providers.

An advance pays out money that is still inside the hold, for a fee of 15% of the amount advanced. You receive 85%; the 15% is ours.

An advance is all-or-nothing. It takes your entire pending balance at the moment you request it — there is no partial advance. Before you confirm, you will be shown the full pending amount, the fee, and exactly what you will receive.

Amounts you advance do not pay out again when they would otherwise have matured; you have already had them.

The risk you are taking on is real, and it is why the fee exists. The hold exists to catch reversals. If you take money out before the hold has run and a buyer’s payment is later reversed, the reversal still happens — and because the money is already yours, it is recovered from what you earn next. Your balance can go negative and stay negative until later earnings clear it. See below.

An advance requires the same tax document and verification as a withdrawal.

[⚠ Pending counsel review. Advancing funds against future receivables with recourse may be characterized as lending or money transmission depending on the jurisdiction. This section must be reviewed, and the feature may need to be licensed, restricted by jurisdiction, or restructured, before it is offered.]

A refund is initiated by the seller or by us. A chargeback is initiated by the buyer’s card issuer, and can arrive months after the sale.

Either way, the reversal is applied against the shares the original sale created — platform, organization, seller, staff — in proportion, using that sale’s own configuration. Records are never rewritten; a reversal is a new entry.

Two cases, depending on timing:

• Inside the hold — the amount was never available. It cancels out and nobody is out of pocket.
• After it was paid out, or advanced — the money is already gone, so the reversal drives the balance negative.

A negative balance is a debt. It is recovered by netting against what you earn next, and payouts are blocked while it is negative. If you stop selling while owing us, we may invoice you or otherwise seek to recover it.

Card networks charge a fee per dispute, which may be charged to the party who earned on the sale.

You agree to cooperate promptly in disputing a chargeback and to provide what you have about the sale within the time we ask for. If we cannot respond because you did not, the loss is yours. If a dispute is later won, the reversed amounts are credited back.

We may withhold or set off amounts owed to you where we reasonably suspect fraud, unlawful activity, or a serious or repeated breach of our terms — for as long as it takes to investigate, and no longer. If we withhold, we will tell you why. We may also set off amounts you owe us against amounts we owe you. We do not forfeit earnings for inactivity.

You may not take payment in exchange for a chance to win something of value — a raffle, lottery, sweepstake, prize draw, or anything of that shape — whether or not LinkPay provides a feature for it.

We understand a giveaway can be good for business. We prohibit it because running one exposes both you and us to gambling law, and the licensing that would make it lawful is not something we hold. We may treat a reward as falling under this prohibition at our discretion. If you are unsure whether something you want to offer crosses the line, ask us at support@linkpay.co first — and take your own legal advice, because compliance is ultimately yours.

You may not use LinkPay if you, or anyone acting on your behalf, are subject to sanctions administered by the US Office of Foreign Assets Control or an equivalent authority where you are, or are located in a jurisdiction subject to comprehensive sanctions. You may not use LinkPay to move funds for the benefit of any such person.