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Accepting Payments and Getting Paid

Our guide, How buying works, explained the process buyers go through when purchasing something on itch.io. This guide explains how creators can accept payments and get paid.

How itch.io handles payments

itch.io works with third-party payment gateways to handle all financial transactions. The following payment providers are available:

  • PayPal — Pay with PayPal balance, card, or bank
  • Stripe — Pay with credit or debit card

itch.io never collects any payment information on its servers. Buyers are directed to the payment gateways where they can securely enter their purchase information.

PayPal

When using PayPal, the buyer will be redirected to the PayPal web page where they can securely pay, then back to itch.io with a secret download access link.

For most PayPal transactions, a fee of $0.30 + 2.9% is applied per transaction. Depending on your account here may be additional fees for currency conversion when receiving funds into your account.

Read more about PayPal fees

Stripe

When using Stripe the buyer will be redirected to a checkout page on itch.io where they can enter their credit card. itch.io to credit card numbers. It is securely sent to Stripe through the buyer’s browser session.

For most credit card transactions, Stripe takes a fee of $0.30 + 2.9%.

Read more about Stripe's pricing

Open Revenue Sharing

itch.io is a marketplace for creators of all kind. It’s our goal to support creators by giving them the tools to sell and distribute their work. As a way of saying thanks to those using itch.io, we utilize an Open Revenue Sharing model. (Read about the launch)

You (the seller) can decide what percentage of your sales will go towards itch.io. All money collected is used directly for running servers, paying for bandwidth, and supporting the development of new functionality. You can read more about itch.io’s mission on our About page.

Here’s an example of how Open Revenue Sharing is calculated for a transaction. For the sake of simplicity, we'll assume the default rate, 10%, and that we're working in USD.

First, itch.io will take the percentage configured on your account’s revenue sharing settings. In this example, the default would be 10% of $10. Next, the payment provider fee is subtracted (Generally $0.30 + 2.9% of the total price).

      --itch.io--   ----PayPal/Stripe----
$10 - ($10 * 0.1) - $0.30 - ($10 * 0.029) = $8.41

You can choose what percentage of your sales to give to support the development and operational costs of itch.io in your Seller Settings.

Payment modes

itch.io supports two different payout modes. Your choice affects what payment options are available to buyers, who is listed as the merchant of record, taxes, how chargebacks are handled, and more.

Here’s a table of the differences, refer to the table below for more detailed explanations.

Direct Collected by itch.io (Payouts)
Setup Manually connect to each payment provider. Provide tax information to each payment provider No manual connection. Complete one tax interview on itch.io and accept seller terms
Payment methods for buyers You have to manually setup each payment provider you want to support You instantly get every supported method. New ones added will automatically be available
Currency You manually select a currency itch.io handles all transactions as USD. You get paid in USD. We handle automatic currency conversion
Getting paid Each transaction goes directly into the balance of the respective payment provider you've connected itch.io collects payments, you request a payout at a later time. itch.io pays out with PayPal and bank transfers
Merchant of Record You are the Merchant of Record itch.io is the Merchant of Record
Chargebacks You are liable for chargebacks itch.io is liable for chargebacks
Fraud detection itch.io provides fraud detection itch.io provides fraud detection
VAT You are responsible for collection and remittance. You can enable automatic VAT collection from itch.io VAT is always automatically collected. itch.io is responsible for remittance
Tax forms Each payment provider will generate tax forms for you itch.io will generate tax forms for you
Split transactions Your account only supports transactions that go fully to your account. No support for co-op bundles You can participant in any promotions that split payments across multiple sellers, like co-op bundles
Transaction eligibility You may need to configure your payment provider account to accept payments from certain regions, otherwise they may be blocked itch.io's payment provider account is configured to accept all payments

Direct to you

In order to sell with Direct to you, you must manually connect every payment provider you wish to make available to your buyers. Your payment provider account will be the Merchant of Record, meaning that transactions will list your name (or company name).

You will need to provide your tax identity information directly to each payment provider you connect with. They will report your income and file tax forms at the end of the year.

Each individual transaction will appear on your account as they happen. You will have access to your earnings as soon as the respective payment provider makes it available to you.

In this mode you are responsible for collecting and remitting VAT tax. You can enable tax collection from your payout mode selection screen on your account settings.

In some scenarios, your payment provider account may reject transactions from certain regions based on your payment provider account’s configuration. We've seen this with PayPal seller accounts. If a transaction cannot be completed because of account configuration then you will be notified via email. To ensure no interruptions we recommend you create your account as a business one and provide identification information up-front.

Collected by itch.io & paid later (aka itch.io Payouts)

Selling with the itch.io Payouts system requires you to provide your tax identity information directly to itch.io. We use a third party service to collect and store your information, our web application does not have direct access to that information.

With this model, itch.io is the Merchant of record. Payments will go directly to itch.io, and you are responsible for claiming your earnings at a later time by requesting a Payout.

A transaction must be at least 7 days old before the earnings are eligible for payout.

That 7-day window allows us to deal with fraud and various other problems that can arise regarding payments.

itch.io is not a bank, you should request your earnings from itch.io in a timely manner. If you don’t withdraw earnings from your account older than a year, we may charge a maintenance fee proportional to any unclaimed money older than a year left in your account. (Read more in our Terms of Service)

Once a payout is initiated, it is reviewed and paid at our earliest convenience. We human review all payouts after they are initiated, especially for first time sellers. Your patience is appreciated.

Payouts are paid with PayPal by default, but for larger sellers we can onboard your account for bank wire transfers. Note that wire transfers may include an additional transfer fee, and are only available in certain countries. Please contact support if you wish to set up your account.

VAT support

European VAT laws dictate that any business, when selling to customers currently located in the European Union, must collect value-added tax (VAT) according to the current rate of the country the seller is buying from.

Note that EU-VAT also applies to non-EU business, and that it’s the country one is buying from, not living in, that is taken into account.

To help you comply with this legislation, itch.io allows you to:

  • Collect billing addresses whenever someone purchases one of your items from an EU country.
  • Calculate the right VAT amount to collect, and bill it on top of the base item price.

With the Direct to you model, you are responsible for registering at a VAT MOSS and paying the tax collected. You can export all the necessary information about your transactions for your quarterly reporting from your dashboard. itch.io automatically collects address and geo-location from IP address for any buyers when necessary.

When using the Collected by itch.io model however, both those features are enabled by default, and itch.io pays tax quarterly on your behalf to the UK VAT authority, with whom we are registered. No work is required from you.

Currencies

The Collected by itch.io model only supports accepting USD.

For Direct payments, you can select the currency you with to sell in. For PayPal users, it’s important to ensure your PayPal account is configured to accept the currency you selected, otherwise your payments may get blocked.

When using PayPal, the following currencies are supported:

  • USD — U.S. Dollar
  • CAD — Canadian Dollar
  • GBP — British Pound
  • EUR — Euro
  • JPY — Japanese Yen
  • AUD — Australian Dollar

When using Stripe, the following countries and currencies are available:

  • United States — USD
  • Canada — CAD, USD
  • Ireland — EUR, GBP, USD
  • United Kingdom — EUR, GBP, USD

If you payment provider account is for a specific currency, you must set the same currency in your Seller settings page; otherwise, you may be unable to receive payments.