1. Overview

This policy explains exactly what Sellexa charges sellers, when payouts are released, and how we handle refunds, disputes, and tax reporting. It applies to every sale completed through Sellexa. By selling on Sellexa, you accept the terms set out below alongside our Seller Agreement and Terms of Service.

Sellexa is a marketplace, not a bank. Customer payments are processed and held by Stripe Payments UK Limited (a regulated UK payment institution) until your order is confirmed delivered. Sellexa never holds buyer funds in its own bank account.

2. Fees we charge

Sellexa charges a single platform commission. There are no listing fees, no monthly subscription, and no transaction-by-transaction Stripe surcharge passed on to sellers.

2.1 Commission

• Rate: 10% of the item subtotal (price × quantity).
• What it excludes: shipping charges and any taxes are not part of the commission base. You keep 100% of the shipping the buyer pays (it is passed straight through to your nominated carrier or to you if you arrange shipping yourself).
• Stripe processing fees: Stripe's card-processing fees on the buyer's payment are absorbed by Sellexa from its commission. You receive a flat subtotal − commission figure on every order, no separate processing-fee deduction appears on your payout.

2.2 Worked example

Buyer orders a £40 item with £4.50 shipping. Total checkout: £44.50.

• Item subtotal: £40.00
• Sellexa commission (10% of £40): −£4.00
• Shipping passed through: £4.50
• Seller payout once delivered: £40.50

3. Payouts

We use Stripe Connect on a "Separate Charges & Transfers" model. The buyer pays Sellexa's Stripe account at checkout; once your order is delivered, the seller's share is transferred to your connected Stripe account.

3.1 Cadence

• Payouts run weekly on Mondays (UK time).
• Each Monday run sweeps every order whose status became delivered in the previous calendar week.
• Stripe's settlement to your bank typically takes a further 1–3 working days depending on your bank.

3.2 The delivered gate

Earnings are payable only once an order is marked delivered. We treat an order as delivered when the carrier confirms delivery via Sendcloud's tracking webhook. This protects buyers (it covers the dispute window) and protects you from chargeback exposure on undelivered goods.

3.3 Onboarding requirement

To receive payouts you must complete Stripe Connect onboarding (identity, bank details, tax info). Stripe holds the funds; Sellexa cannot release a payout until your Connect account is in good standing.

4. VAT

Sellexa is not currently VAT-registered. Our 10% commission is therefore charged without VAT. We will give sellers at least 30 days' written notice via in-app banner and email before VAT is applied to commission.

You are independently responsible for your own VAT obligations on the goods you sell, including registration if your turnover crosses the HMRC threshold, charging VAT to buyers where applicable, and accounting for it in your VAT returns. Sellexa does not collect or remit VAT on your behalf.

5. Refunds and adjustments

How a refund is recovered depends on whether your payout has already been released.

• Before payout: the order is reversed in Stripe and never enters your weekly payout. No further action needed from you.
• After payout: Sellexa places an automatic hold on your account (visible as a "held earnings" status in your seller dashboard) and recovers the refunded amount from your next scheduled payout. If your next payout is too small to cover the recovery, the hold rolls forward.

See the Returns & Refunds Policy for the buyer-facing rules and statutory rights that govern when a refund is required.

6. Disputes and chargebacks

If a buyer raises a chargeback through their bank or card scheme, the disputed amount is automatically held against your account while the dispute is investigated. You will see a clear "held" status in your seller dashboard along with the order reference, and we will contact you in-app and by email (or WhatsApp where available) to gather any evidence we need to defend the chargeback.

If the chargeback is upheld in the buyer's favour, the disputed amount and any chargeback fee Stripe charges Sellexa will be recovered from your next payout. If it is decided in your favour, the hold is released on the next weekly payout cycle.

For the dispute resolution route available to buyers, see our Buyer Protection policy and Complaints Policy.

7. HMRC reporting (DAC7 equivalent)

Under the UK's digital platform reporting rules (the UK equivalent of OECD DAC7), Sellexa is required to collect and report seller information annually to HMRC for sellers above the relevant thresholds. We commit to:

• Collecting the information HMRC requires (name, business address, tax identifier, bank/payout account, total amount paid out).
• Reporting the required data to HMRC by HMRC's annual deadline.
• Sharing a copy of the information reported about you with you.

You are responsible for declaring your Sellexa earnings on your own self-assessment or company tax return.

8. Changes to fees

We may change our fees, payout cadence, or the structure of this policy. Material changes (any change to the commission rate, payout cadence, or the introduction of a new fee) will be notified to sellers at least 30 days in advance via in-app banner and email, in line with the UK Platform-to-Business Regulation. Changes will not apply retroactively to orders already placed.

9. Contact

Questions about fees, payouts, or how a specific order has been settled?