Fees & money flow

Who pays what, and where it goes .

Every dollar on Bullmark has one owner and one direction. This page says which: what a customer pays, what a brand pays, what Bullmark keeps, and what never turns back into cash.

If you are a customer: you pay the listed price. Nothing on top.

When you buy a voucher, or top up a brand's credit with your card, the amount on the button is the amount on your card. There is no processing fee added on top and no platform fee — the card cost is the brand's, not yours. Your receipt from Stripe shows one line, and it is the price you saw.

What you get is Brand Credit or a voucher — spendable at that brand, never refunded as cash. That is the one thing to know before you pay: credit and vouchers are one-way. They become goods and services at the brand; they do not become money again, for you or for anyone.

Added to a customer's price

The listed price is the charged price. Card processing is paid by the brand.

Smallest credit top-up

Counted in dollars of face value. Top up exactly what a voucher is short by.

1,000

Largest single top-up

Credit cannot be refunded, so one top-up stays a size you can afford to be wrong about.

Cash refunds of credit

Not by the brand, not by Bullmark, under any circumstance.

If you are a brand: three costs, and withdrawing is free

Bullmark charges a brand in three places, and in only three. Two are taken at the moment you create something; the third is deducted from a sale before it is settled to you. There is no monthly fee, no listing fee on discovery, and no fee to take your money out.

1.5% when you mint credit — stepping up if the credit is thinly backed

Issuing Brand Credit costs 1.5% of the amount minted while what you hold (voucher stock plus cash) covers the credit your customers hold. As that cover thins, the rate steps up — 2.25%, 3%, at most 4.5% — so minting far beyond what you can honour costs more, never nothing. It is paid by card at the time, plus card processing on that fee; your brand's first mint is free , any amount up to 10,000 credit. Each mint is capped at 10,000; mint again to go further. The fee is on the platform's service, not on the credit's face value: Bullmark never holds the credit's value for you, only this fee. The page where you mint shows today's rate before you pay.

10% of each voucher batch, in vouchers

When you issue a batch of vouchers, one in ten goes to Bullmark — as vouchers, not as cash. That is Bullmark's commission on selling, taken once, up front. Because it is taken here, Bullmark takes no cash commission on your sales : not on the marketplace, not on retail, not on credit top-ups.

Card processing on what customers pay you

When a customer pays by card — for your vouchers or for your credit — the card processor's fee (2.9% + $0.30 per payment) is deducted from what is settled to you. The customer pays the listed price; you receive the listed price minus that fee. It is the same arrangement as any card sale, and it is written on every settlement line in your statement.

Withdrawing: free

The cash you have earned leaves to your bank with no fee . Bullmark's cut was taken when you minted and when you issued — it is not taken again on the way out.

What the money does at the moment of payment

A customer's card payment is routed by Stripe straight to your own Stripe account at checkout — the brand's share never sits in a Bullmark balance waiting to be forwarded. Bullmark records it, seals it, and shows it on your statement, but Bullmark does not hold your customers' money. Your bank payouts then follow your own Stripe schedule.

What Bullmark does not do

These are the same terms every brand accepts before it issues credit for the first time. They are here so a customer can read them too.

It does not turn credit back into cash

Brand Credit and vouchers are spent at the brand. Bullmark will not pay them out as money under any circumstance, and neither will the brand. Money reaches a brand only as settlement of a real payment someone made.

It does not step between a brand and its customer

What a brand sells, at what price, on what terms, how it handles a cancellation, a complaint or a dispute — Bullmark does not interfere, under any circumstance. It records what happened; it does not arbitrate it. The credit is the brand's promise, and honouring it is the brand's alone.

It does not wait to stop harm

If an account, a brand or its credit is used unlawfully, or in breach of Bullmark's policies, Bullmark may freeze issuance, settlement, withdrawal and the account itself — immediately and without prior notice. Funds that turn out to be lawfully the brand's are released.

Nothing here is a surprise later.

Every number on this page is the number the API charges. A brand sees them again before its first mint, and a customer sees the price and nothing else.

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