How Buy&Back fees work
A simple guide to who pays for Bags, BagPay, clipping, recurring payments and payouts.
Buy&Back platform fees, card-processing charges and withdrawal fees are separate. The checkout shows what the buyer pays; your payment breakdown and payout confirmation show what you receive. Individually agreed platform rates can differ from the standard rates below.
Bags and BagPay
The standard Buy&Back platform fee is 5% on paid Bag sales, including courses, memberships and digital products. BagPay embeds and payment links use the same owner-specific platform rate, plus the separate BagPay payment fee described below where applicable. Creating an account or a Bag has no setup or monthly platform subscription fee; free access has no percentage fee.
Fee for payment through BagPay: 3.5% standard rate
The standard fee for paid BagPay embeds and standalone payment links is 3.5%. Flexible pricing supports Creators at different stages of growth: Buy&Back may set, review or adjust individual rates, reductions or waivers based on transaction volume, service scope, payment-infrastructure costs and requirements, risk, commercial arrangements or promotional offers. The rate for a new purchase is disclosed before payment confirmation. This separate BagPay service fee applies in both Extra and Express modes and may be labelled “Buy&Back Express Payment fee”. Changes to existing contractual arrangements remain subject to the Terms and applicable law.
How the BagPay fee is calculated
The applicable rate is applied to the product price after any discount, plus any Extra platform fee and the processing charge, before adding the BagPay fee itself. The fee is rounded to two decimal places in the checkout currency. At the standard 3.5% rate, a €100 product, 5% platform rate and EU billing gives an Extra subtotal of €106.88, a BagPay fee of €3.74 and a total of €110.62. Express gives a subtotal of €101.80, a BagPay fee of €3.56 and a total of €105.36. At a 1.5% individual rate, the same Extra example totals €108.48; at 0.5%, it totals €107.41. The current rate, fee and total are shown before payment.
BagPay renewals, free access and exemptions
For a new BagPay subscription that disclosed the fee at purchase, its selected rate is part of the agreed recurring charge and applies to the first paid payment and paid renewals. Free access and free trials have no BagPay fee until a paid charge occurs. Completed payments, already agreed checkouts and existing subscriptions are not automatically repriced when a Bag rate changes. Standard purchases directly in a Bag outside BagPay, waitlist payments and campaign funding do not incur this fee. A waived fee is not charged or displayed as payable. Withdrawal fees are unchanged.
Who pays the platform fee?
With Express, Buy&Back deducts the platform fee from the charged payment, so the seller absorbs it. With Extra, the platform fee is added to the base product price and paid by the buyer. Card processing is separate in both modes, and the buyer sees the full total before paying.
Recurring payments and free trials
A paid subscription renewal incurs the applicable platform fee again, just like the initial paid purchase. A free trial has no percentage fee until a paid charge occurs. Stripe processing and any applicable Stripe Billing charges are separate; Stripe’s published pay-as-you-go Billing rate is 0.7% of Billing volume, but the actual account agreement determines whether that rate applies.
Clipping campaigns — 10%
The campaign owner pays a 10% Buy&Back platform fee from the total funded budget. Stripe’s actual processing fee is also deducted from that budget; the rest becomes the creator reward pool. For example, a €1,000 budget means €100 for Buy&Back and €900 for rewards before Stripe processing. Creators are not charged this 10% again on their approved rewards. Previously created funding quotes keep their recorded allocation.
Card processing shown at checkout
For Bag and BagPay card checkout, the current processing charge shown to the buyer is 1.5% + 0.30 for EU billing countries, 2.5% + 0.30 for the UK, or 3.25% + 0.30 for other countries. The fixed amount is in the checkout currency, and the percentage applies to the subtotal including any Extra platform fee. This is Buy&Back’s checkout calculation, not a promise of Stripe’s exact cost. Campaign funding instead deducts actual processing from the reward pool.
Stripe pricing depends on the account region
The following are published standard online-card examples, checked on 20 September 2026, not a universal Buy&Back tariff. The Stripe account’s country, card type and issuing country, payment method, currency conversion and any custom agreement determine the actual fee. For Bags, payment processing uses the seller’s connected account; clipping funding uses the platform account.
Stripe — Czech Republic
For a Czech Stripe account: standard EEA cards cost 1.5% + CZK 6.50, premium EEA cards 2.8% + CZK 6.50, UK cards 2.5% + CZK 6.50, and other international cards 3.15% + CZK 6.50. Currency conversion can add 2%.
Stripe — Slovakia / EUR example
For a Slovak Stripe account: standard EEA cards cost 1.5% + €0.25, premium EEA cards 2.8% + €0.25, UK cards 2.5% + €0.25, and other international cards 3.15% + €0.25. Currency conversion can add 2%. Other European accounts should check their own country’s price list.
Stripe — United Kingdom
For a UK Stripe account: standard UK cards cost 1.5% + £0.20, premium UK cards 2.8% + £0.20, EEA cards 2.5% + £0.20, and other international cards 3.15% + £0.20. Currency conversion can add 2%.
Stripe — United States and other regions
For a US Stripe account, domestic online cards cost 2.9% + $0.30. International cards add 1.5%, and currency conversion adds 1% when required. These US rates do not apply merely because a buyer lives in the US. For other account countries and payment methods, use Stripe’s local pricing page.
Withdrawals and available balance
A standard Buy&Back bank withdrawal carries a fixed US$1.30 fee, converted to the payout currency and deducted from the requested amount. It is waived when both the Stripe account and receiving bank are in the US, or both are in Australia. The minimum request is US$20 equivalent. There is no second Bag-sale or clipping percentage fee on withdrawal. Only available, settled funds can be withdrawn; pending funds and campaign reserves are not available. Review the final fee and net amount before confirming.
Refunds, disputes and other costs
Refunds and disputes can reduce available earnings. Processing, currency-conversion, bank or dispute costs may apply under Stripe’s terms and the account agreement; do not assume every fee is returned with a refund. Any agreed affiliate commission is separate from the Buy&Back platform fee. Taxes are not platform fees. Check the individual payment record for the final breakdown, or contact support if anything is unclear.