# Payouts and fees

Source: https://caravelpay.app/docs/payouts · Caravel Pay docs · Last updated 2026-11-10

You receive what arrives for each payment, minus the 2% Caravel fee, in USDC on Polygon, sent to your payout wallet automatically once the payment confirms. With most card providers, the provider's own fee has already come off before the USDC arrives.

## Fees

- 2%Caravel fee
- $0monthly fee
- $0setup fee

- **The 2% Caravel fee is the only fee Caravel charges.** It is 2% of the order total, taken from each payment before your payout, and it also covers the Polygon gas for that payout.
- **Card providers keep their own fee.** Your buyer pays the order total. Most card providers keep their fee and exchange-rate spread out of it, so a little less than the order total arrives as USDC, and that comes off what you receive. The provider sets it, and Caravel takes no cut of it. A few routes show the fee to the buyer on top instead, and payments sent directly in crypto have none.

## Worked example

- **Checkout amount**: $100.00
- **Buyer pays**: $100.00
- **Card provider keeps, for example**: −$4.00
- **Arrives**: 96.00 USDC
- **Caravel fee (2% of the checkout amount)**: −2.00 USDC
- **Payout to your wallet**: 94.00 USDC

The $4 is an illustration: card provider fees vary by provider, method and country. When a buyer sends USDC directly, nothing is kept on the way, so a $100.00 checkout pays out 98.00 USDC.

To leave room for the provider's fee, a payment counts as `paid` when at least 85% of the checkout amount arrives. Below that the checkout is [`underpaid`](https://caravelpay.app/docs/statuses#underpaid).

The payout appears on the checkout as `payout.amount`, with the transaction hash in `payout.tx_hash`.

## When payouts are sent

Automatically, as soon as the checkout reaches `paid`. There is no payout schedule, no minimum balance and nothing to withdraw: each paid checkout is its own transfer to your wallet. How long confirmation takes depends on the card provider and the network.

## Your payout wallet

Any ordinary Polygon address you control. A self-custody wallet such as MetaMask, Rabby or a hardware wallet works well. Contracts, token addresses and exchange deposit contracts can't receive payouts.

You choose the wallet when you [get your API keys](https://caravelpay.app/docs/connect). To change it, [get new keys](https://caravelpay.app/docs/connect#reconnect) with the new address, or save a new wallet in the WooCommerce plugin. New checkouts pay out to the new wallet; checkouts already open still pay out to the old one.

> **Exchange addresses:** only use one if that exchange accepts USDC, USDC.e and POL on the Polygon network at that address. Transfers to an address that can't receive them can't be reversed.

## Accepted tokens

Card, Apple Pay and Google Pay payments arrive as USDC. Buyers who pay with crypto directly can use any of these on Polygon, and are credited too:

| Token | On Polygon |
|---|---|
| **USDC** | Native USDC, contract `0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359` |
| **USDC.e** | Bridged USDC, contract `0x2791Bca1f2de4661ED88A30C99A7a9449Aa84174` |
| **POL** | Polygon's native token |

You are paid out in the token the buyer sent, minus the 2% Caravel fee. Card payments and USDC arrive as USDC, USDC.e as USDC.e and POL as POL. Caravel Pay never swaps your funds.

Other tokens, and payments on other networks, can't be credited automatically. The checkout goes to [`review`](https://caravelpay.app/docs/statuses#review).

## No chargebacks, and refunds

**There are no chargebacks.** Your payout is a final on-chain transfer to a wallet only you control, so nobody, Caravel Pay included, can pull it back. If a buyer disputes the card payment, that dispute is between the buyer, their bank and the card provider that sold them the USDC. It doesn't reach you.

Card providers can stop serving sellers whose buyers dispute a lot, so fraud and unhappy buyers still matter. Keep order and delivery records in case a provider asks.

**Refunds are up to you.** There is no refund button: send the buyer USDC from your wallet, or refund them another way you agree on.