Getting paid

Where the money goes, what it costs, and how refunds and chargebacks work.

Short version: card tips settle into a payout balance you see and pay out from the TipPage dashboard (or into your own Stripe account, if you’re on a legacy setup), PayPal tips go straight to your PayPal account, and TipPage takes at most 1% + 3p of card tips. The balance is yours: only you, a super admin, or a member you’ve given write access to Payments can pay it out.

Fees

Viewers pay exactly the amount they enter - nothing is added on top. What reaches you depends on the processor:

• Stripe - a per-tip fee comes off the amount that reaches your payout balance (your own Stripe account, on a legacy setup). It’s two things added together: the transaction fee Stripe charges us to process the card, passed on at cost, plus TipPage’s own fee - 1% + 3p in the UK, and less than that everywhere else. That’s what pays for TipPage. There’s no setup fee and nothing else you have to pay; TipPage+ is optional. Your rate is set by the country you set your payouts up in (the country of your Stripe account, on a legacy setup) and is shown on your Settings → Payments page.
• PayPal - no TipPage fee at all. PayPal deducts its own receiving fee inside your PayPal account, exactly as if someone paid you directly.

Stripe fee by country

Why the difference between countries: card payments run on TipPage’s own UK Stripe account, and Stripe charges us by where the card was issued - 1.5% for UK cards, 2.5% for EEA cards, 3.15% for everything else. Your account country tells us which of those your tippers mostly use, so it sets your tier. (The UK figure is 1.75% rather than 1.5% because about one tip in eight on a UK page is paid with a card from outside the UK - it’s the blended cost we’re actually billed, measured from real charges, not a markup.)

Because Stripe’s own cost to us is higher outside the UK, we take a smaller cut there - 0.25% in the EEA and 0.5% elsewhere, against 1% in the UK.

The fixed part is always charged in your tip currency (23p, 27c, 34c, and so on). Like Stripe’s own fee, it isn’t returned if a tip is later refunded.

What the fee pays for

TipPage’s cut is our main income, alongside the optional TipPage+ subscription. There’s no setup fee, nothing you have to pay monthly, and no TipPage fee at all on PayPal tips, so it’s what funds everything every account gets for free:

• The ban system. Ban someone and the ban follows them, not just the name they typed: card, email, Twitch or Kick account and device are all matched, and a banned donor’s card is never charged in the first place - the hold is released instead.
• Platform-wide fraud screening, so someone caught abusing one channel is already known on yours.
• The tip filter, so what your chat shouldn’t hear never reaches TTS or your overlay.
• Overlays, the chat bot, TTS and media queues, sub rewards, team permissions, reports, and the developer API.

It’s also, as far as we know, the lowest fee on the market. Checked in September 2026, the nearest comparable service charges 2.8% + £0.24 in the UK, 2.8% + €0.28 in the euro area and 3.8% + C$0.48 in Canada - we come in under all three, on both the percentage and the fixed part. Some tipping platforms take 6% before payment processing on top of that.

The one exception is the United States, where we’re dearer: an American card costs a UK-based platform 3.15% to process no matter what we do, so a US-based competitor processing the same card domestically will always be able to undercut us there. We’d rather say so than pretend otherwise.

Payouts

Identity check before setup

Some channels are asked to verify their identity before card payouts can be set up. People have signed up with brand-new channels to run stolen cards through TipPage, so when a channel matches that pattern - a Twitch or Kick account created recently, a small following, or no Twitch Affiliate or Partner status yet - the Payments tab shows a verification step in place of the setup form, and says which of those applied to you.

The check is run by Stripe, who handle every card payment on TipPage. You photograph a government ID and take a selfie on Stripe’s page; TipPage never sees either, only whether the check passed. It usually takes a couple of minutes, and only the account owner can do it. Once it passes, the setup form opens and nothing else changes.

You can decline. Everything else in TipPage works without card payouts, PayPal is unaffected, and you can come back later; as the channel grows the check may no longer be asked for. If it doesn’t pass - an expired document, a selfie that didn’t match - try again straight away with a different document or device. What TipPage keeps afterwards is in the privacy policy.

Card tips: your TipPage payout balance

If you set up card tips after payouts moved into the dashboard, or have moved your payouts across, everything to do with getting paid is in TipPage:

• Overview has a Balance and payouts panel: what’s available to pay out now, what’s still settling, a Pay out button, and an instant option where instant payouts are on. While you’re live the whole panel is hidden, like the rest of the page’s money, until you reveal it.
• Settings, Payments has the full picture: every payout with its arrival date and status, the bank account it goes to, and your payout schedule.

Your schedule is yours. You chose it when you set up, and nothing was pre-selected for you: Stripe bills TipPage for every payout it makes, so how often your money moves is your call, not ours. The four options:

• Manual - nothing moves until you press Pay out. A standard payout lands in a couple of days; an instant one in minutes, where instant payouts are on.
• Daily - whatever has cleared goes to your bank every business day.
• Weekly - once a week, on the day you picked.
• Monthly - once a month, on the date you picked. A date past the end of a short month lands on its last day.

Change it any time on Settings, Payments. Whatever the schedule, a standard payout usually reaches your bank within a couple of working days of being sent.

Instant payouts. TipPage switches instant payouts on per channel. Where they’re on, you can pay out to a debit card or a supported bank account and have the money within minutes, any day of the week, for a 1% fee, shown before you confirm. Two things have to be true: we’ve switched them on for your channel, and the payout method on your account can take them - a debit card, or a bank account that supports instant transfers (add one on Settings, Payments). You’re told either way: a notification lands in your feed when instant payouts are switched on for your channel, and another when your payout method becomes eligible. Once both are in place you’ll see an Instant payouts on chip on the Overview and an instant option when you pay out; if they’re on for your channel but your payout method can’t take them yet, the chip says to add a debit card or a supported bank account.

Refunds and chargebacks come out of this balance. When you refund a tip, or a viewer’s bank takes one back, the money is taken from your payout balance. If the balance can’t cover it, the rest comes from the bank account you registered. That’s the flip side of the balance being yours to pay out whenever you like.

If Stripe needs something from you. Stripe never emails you about a TipPage payout account - TipPage does the telling. When Stripe needs something (a document, say, or a new bank account after yours closed), you get an email, a banner appears at the top of the dashboard and a notification lands in your feed, and Settings, Payments lists exactly what’s needed and lets you provide it there. Payouts pause if it isn’t provided by Stripe’s deadline, so sort it promptly. Tips keep coming in and sit in your balance in the meantime.

Access follows the Payments permission. Read access shows the balance and the payout history with no buttons; write access pays out (instant included), changes the schedule and the bank account, and moves or disconnects the setup. The owner and super admins always have both; a member without Payments can’t see any of it, whatever else they hold. Grant write access, or super admin, only to someone you’d trust with your bank account - the Members page says the same before you do.

Emails you’ll get

Stripe never contacts the holder of a TipPage payout account, so every email Stripe would have sent you comes from TipPage instead. They go to the email address on the owner’s account, from the same sender as tip receipts, and each one has a matching notification in the dashboard feed. These are always sent, because missing them costs you money:

• Stripe needs something from you - a document or a detail is due, and again if it goes past due. Says what the deadline is and where to provide it.
• Payouts are paused - Stripe has stopped paying out until it gets what it asked for. Tips keep collecting in your balance in the meantime.
• A payout was returned - your bank sent a payout back. The money is back in your balance; check the account details on Settings, Payments.
• Money was taken from your bank - a refund or chargeback landed when your balance couldn’t cover it, so the rest came from the bank account you registered. Nothing more to do.
• Your payout bank account changed - a bank account or debit card was added, changed or removed. If it wasn’t you, contact us straight away.
• A tip was disputed - a viewer’s bank has opened a chargeback. Says which tip and how much, and that the amount is held from your balance while it’s open; you get another email when the dispute is won or lost.
• Payouts now run through TipPage - your move from a legacy Stripe account is complete.

One more is off by default, because most channels would find it noise:

• Payout sent - each time a payout goes to your bank, with the amount and when to expect it. On by default; switch off Payout emails on Settings, Payments if you’d rather not.

You’re also emailed when your channel is invited to move its payouts into TipPage, and when instant payouts are switched on for it.

Card tips on a legacy Stripe account

If you connected Stripe before payouts moved into the dashboard, tips settle into your own Stripe account and Stripe pays out to your bank on the schedule you set at dashboard.stripe.com. TipPage doesn’t show that balance. Refunds and chargebacks come out of your Stripe balance. When your channel is invited to move, here’s what changes. Once you’ve moved, a refund or chargeback of a tip from before the move is covered by TipPage: it was paid into your old account, so it can’t come out of your new payout balance (more).

PayPal

Tips arrive directly in your PayPal balance the moment they’re captured. Withdrawals to your bank work like any other PayPal money.

How a card tip is charged

Card tips are authorized first and captured second. When a viewer confirms a tip, their bank places a hold on the money; TipPage then runs its checks - your ban list included - and only captures the payment once the tip is clean. A banned donor’s hold is simply released: they are never actually charged, and nothing reaches your queue.

PayPal doesn’t support this hold-first flow - a banned donor’s PayPal tip is captured and then refunded, which viewers agree to when tipping. That’s one of several ways PayPal offers weaker protection than Stripe - the privacy page has the full comparison.

Refunds

You can refund any paid tip yourself from the Tips page in the dashboard - one at a time, or tick several and refund them together. Card refunds go out immediately. The money comes out of your TipPage payout balance, and if that can’t cover it, from the bank account you registered (on a legacy Stripe account it comes out of your Stripe balance, right away or once your recent tips settle; if you’ve since moved your payouts into TipPage, a tip from before the move is covered by TipPage instead). PayPal tips you refund in PayPal and then mark refunded. Stripe’s fee and the platform fee aren’t returned, so a refund costs you slightly more than the tip paid you. The donor is emailed either way.

Donors can also ask: if you turn on refund requests, a viewer who entered a receipt email signs in at refund.tippage.com and requests their tip back. Those land on your Refund requests page for you to approve or reject. Viewers agree when tipping that they can request a refund but aren’t entitled to one - it’s your call. On a legacy Stripe account, a refund you issue from your Stripe dashboard is picked up too: the ledger and any matching request are updated automatically.

How it all works, page by page: Bans, refunds, and notifications.

Chargebacks

Tips are real card payments, so a viewer can dispute one with their bank. When that happens the bank takes the tip back and Stripe charges a dispute fee on top. The disputed amount comes out of your TipPage payout balance, and if that can’t cover it, from the bank account you registered (on a legacy Stripe account, from your Stripe balance; a chargeback on a tip from before you moved your payouts into TipPage is covered by TipPage). If the dispute is won, the money goes back into your balance.

The dispute fee is separate. If you’re on TipPage+ it’s covered - it comes out of our pocket, not yours. The cover is for the fee only, never the disputed tip itself.

The authorize-then-capture screening above also keeps chargebacks rare in the first place: the tips most likely to be disputed - banned donors, known bad actors - never get captured at all.