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Documentation Index

Fetch the complete documentation index at: https://docs.patchline.ai/llms.txt

Use this file to discover all available pages before exploring further.

Patchline storefronts run on Stripe Connect. Money flows from the fan’s card to your Stripe account; Patchline never touches your funds. This page covers checkout mechanics, payout timing, taxes, refunds, and disputes.   Requires a connected Stripe account. See storefront setup.

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How the money flows

Fan → Stripe Checkout → Stripe Connect → your Stripe account → your bank
                                              ↑
                                         Stripe deducts processing fee
                                         Patchline platform fee (0% on paid tiers)
Concretely:
StepWhat happens
Fan clicks BuyStripe Checkout session opens
Fan completes paymentCard charged, $X received
Stripe holds brieflyRisk + fraud checks (seconds to minutes)
Stripe deducts processing feeTypically 2.9% + $0.30/txn
Patchline platform fee0% on Starter+; 10% on Free
Net lands in your Stripe balanceAvailable for payout
Payout to your bank accountPer Stripe’s default schedule (2 business days US)

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Payout timing

Stripe defaults:
CountryStandard payout
United StatesT+2 business days
United KingdomT+3 business days
EUT+3-7 business days
Most other countriesT+5-7 business days
You can configure faster payouts in Stripe (some include a small fee).

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Taxes

Sales tax / VAT depends on jurisdiction:
  • Stripe Tax (optional, ~0.5% per transaction) — automatic calculation in 30+ countries. Recommended.
  • Without Stripe Tax — you’re responsible for declaring and remitting sales tax / VAT in your jurisdiction.
Enable Stripe Tax in your Stripe dashboard → Settings → Tax. Income tax on storefront earnings is always your responsibility — Patchline issues no tax forms. Use Stripe’s annual reports for documentation.

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Refunds

Settings → Sales → find the transaction → Issue refund.
  • Stripe processes the refund (T+5-10 business days back to fan’s card).
  • Patchline marks the sale refunded.
  • The fan’s download access is revoked.
  • The transaction shows refunded in your sales report.
You can issue partial refunds.

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Disputes (chargebacks)

If a fan disputes a charge with their bank:
  1. Stripe notifies you via email + dashboard.
  2. You have ~7-21 days to respond with evidence (Stripe template).
  3. Stripe’s chargeback fee (~$15) applies if you lose.
Patchline can help draft a chargeback response — paste the dispute into Aria: 
You: Help me respond to this chargeback: [paste Stripe email]
Aria: Here's a draft response. Key points to cite: download proof,
purchase timestamp, your refund policy. [draft follows]

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Pricing

CostWhere it goes
Stripe processing (typically 2.9% + $0.30/txn)Stripe
Patchline platform fee (Free: 10%)Patchline
Patchline platform fee (Starter+: 0%)n/a
Stripe Tax (optional ~0.5%)Stripe (if enabled)
Stripe chargeback fee (~$15)Stripe (only if you lose)

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FAQ

By design. Stripe Connect routes funds directly to your account — Patchline only receives our platform fee (0% on paid tiers). This means we can’t accidentally hold your funds, can’t freeze them, and can’t be in the middle if there’s ever a payout dispute.
Stripe handles international cards by default. Currency conversion happens at Stripe; you receive in your account’s home currency.
Yes — Settings → Discount codes → 100% off code with usage limit. Useful for press / promo.
Stripe defaults vary by country — typically $1 in the US. Most artists never hit a minimum because payouts happen automatically.