Payments & Protection
Last updated: 2026-03-25
WorthyPunks offers secure payment options for buyers and transparent earnings for vendors. Here's everything you need to know about how payments work on our marketplace.
For Buyers
Payment Methods
We accept the following payment methods at checkout:
Credit / Debit Card
Visa, Mastercard, and more. Processed securely by Stripe.
PayPal
Pay with your PayPal account or balance. Full PayPal buyer protection included.
Buyer Protection
Your purchases are protected depending on the payment method you choose:
- Card payments: Protected by your bank's chargeback rights. If you don't receive an item or it's not as described, you can dispute the charge with your bank within 120 days.
- PayPal payments: Covered by PayPal's Purchase Protection programme. You have 180 days to open a dispute if something goes wrong.
- 3D Secure: Card payments use 3D Secure authentication (Verified by Visa / Mastercard SecureCode) for extra fraud protection.
- Fraud prevention: All transactions are monitored by Stripe Radar and PayPal's fraud detection systems.
What If Something Goes Wrong?
If you have an issue with your order, follow these steps:
- Contact the vendor first — most issues can be resolved directly. Go to your order history and use the contact option.
- Contact us — if the vendor doesn't respond or you can't reach a resolution, reach out to our support team via the contact page.
- File a dispute — as a last resort, you can dispute the charge with your bank (card payments) or open a case with PayPal (PayPal payments).
For Vendors
How Payments Work
When a customer buys your product, the payment is processed through Stripe (for card payments) or PayPal. The platform takes a small commission on each sale, and the rest is yours.
Fees & Commission
WorthyPunks charges a small commission on each sale. Here's an example for a product sold at EUR 100:
| Description | Amount (EUR) |
|---|---|
| Sale price | 100,00 |
| Platform commission (0% — launch offer) | 0,00 |
| Payment processing fee (Stripe/PayPal) | ~1,75 |
| You receive | ~98,25 |
Processing fees vary: Stripe charges ~1.5% + EUR 0.25 for EU cards. PayPal charges ~3.4% + EUR 0.35. The exact commission rate for your store is shown in your vendor dashboard.
How You Get Paid
There are two ways to receive your earnings:
Automatic payouts (Stripe Connect)
Connect your Stripe account in your vendor settings. When a customer pays by card, your earnings are sent directly to your bank account automatically. This is the fastest option.
Manual withdrawals
If you haven't connected Stripe, or when customers pay via PayPal, your earnings accumulate in your vendor balance. You can request a withdrawal at any time from your vendor dashboard, and we'll process it manually.
Setting Up Your Payment Account
To receive automatic payouts, connect your Stripe account:
- Go to Vendor Settings in your dashboard.
- Click "Connect with Stripe" in the Payment Setup section.
- Complete Stripe's onboarding — provide your identity and bank details. Stripe handles this securely, we never see your banking information.
Security
- We never store your card details — all payment data is handled by Stripe and PayPal.
- All transactions use SSL/TLS encryption.
- Card payments are authenticated with 3D Secure (SCA) to prevent fraud.
- Vendor identity is verified through Stripe's onboarding process.
Questions?
If you have any questions about payments, fees, or protection, get in touch through our contact page.