406 MT Makers

How Payments Work

406 Makers uses Stripe Connect to process payments and pay sellers. Here's the flow:

Customer Pays

Customer completes checkout and payment is processed via Stripe.

Funds Held

Order earnings may be held while payment, shipping, and account requirements are checked.

Funds Released

Order earnings appear in your Stripe balance after a transfer is completed. Marking an order as shipped does not confirm a transfer.

Payout

Bank payouts use available funds in your Stripe account. Check Payments for payout amounts and status.

Fees & Commissions

We keep our fees simple and transparent. No hidden charges.

Fee Type	Amount
Marketplace Commission Per transaction	10%
Payment Processing Stripe fee	2.9% + $0.30
Listing Fee Per product	FREE
Monthly Fee Subscription	FREE

Example Calculation

Item Sale Price$50.00

Marketplace Commission (10%)-$5.00

Payment Processing (2.9% + $0.30)-$1.75

Your Earnings$43.25

Shipping fees paid by customers are passed through to you minus the payment processing fee. We don't take commission on shipping.

Payout Schedule

Connecting Stripe completes your payout account setup. It does not confirm that earnings have reached Stripe or that a bank payout has been sent.

When will I be paid?

Timing depends on order eligibility, completed transfers, available funds, and your Stripe account’s payout settings. There is no single payout day that applies to every maker. Check your payout account for its current settings.

Track your money

Order earnings: Recorded sales minus platform fees; may still be awaiting transfer.
Stripe pending balance: Funds in your Stripe account that are not yet available.
Stripe available balance: Available funds in your Stripe account; not confirmation of a bank deposit.
Payout history: Bank payouts reported by Stripe, with dates, amounts, and status.

View Payments & Payouts →

Taxes & Reporting

1099-K Reporting

If you meet IRS reporting thresholds, you'll receive a 1099-K form for your taxes:

Federal threshold: $600 in gross sales
Form delivery: By January 31st for the prior year
Access: Download from Seller Dashboard → Payments → Tax Documents

Sales Tax

406 Makers does not currently add marketplace-collected sales tax to checkout totals. Montana has no statewide sales tax, and Canadian orders ship DAP (Delivered at Place).

Order totals reflect the amount collected by 406 Makers at checkout only
International orders may be subject to duties, taxes, or customs fees imposed by the destination country
Those charges are the responsibility of the buyer and are not included in the purchase price
Sellers remain responsible for understanding any filing or registration obligations that apply to their business
We will update seller guidance before changing how checkout tax collection works

We recommend consulting a tax professional for your specific situation. You're responsible for reporting your income accurately.

Payment Issues

Delayed Payouts

Payouts may be delayed if:

Bank account verification is pending
Additional identity verification required
Account under review (rare)
Bank holidays or weekends

Failed Payouts

If a payout fails:

Check your bank account details in Settings → Payments
Ensure your account can receive ACH deposits
Funds will return to your available balance
Check the failed payout in your payout account and follow the instructions to resolve it

Refunds & Chargebacks

When you issue a refund:

The refund amount is deducted from your available balance
If balance is insufficient, it will be deducted from future earnings
Original payment processing fees are not refunded by Stripe

For chargebacks (customer disputes with their bank):

We'll notify you immediately
Provide evidence (tracking, communication, etc.) to help fight it
A $15 chargeback fee may apply if you lose the dispute

Questions about payments?

Contact Seller Support