Payments & Billing Guide

Subscription Plans Overview

Choose the Right Plan for Your Business

CCSwag offers three subscription tiers designed to scale with your business growth.

Basic Plan

$10/month

+ $50 setup fee

10 physical products
No digital products
Up to 500K followers
25% platform fee
Basic analytics
Standard support

Premium Plan

$50/month

+ $100 setup fee

50 physical products
50 digital products
Up to 5M followers
10% platform fee
Advanced analytics
Priority support

Custom Plan

$1,500/month

+ $4,000 setup fee

Unlimited products
Unlimited digital products
No follower limit
5% platform fee
Full analytics suite
Dedicated support

Plan Comparison Key Points

Platform Fee: Percentage taken from your profit (not total sale price)
Setup Fee: One-time payment when joining or upgrading
Product Limits: Maximum number of products you can offer
Follower Limits: Maximum audience size allowed on your plan

View Detailed Plan Comparison

How Pricing & Profits Work

Understanding Your Earnings

Learn how product pricing works and how your profits are calculated.

Pricing Structure Breakdown

Example: T-Shirt Sale

Customer pays:	$25.00
Base product cost:	$15.00
Your markup:	$10.00
Platform fee (10% for Premium):	$1.00
Your profit:	$9.00

Setting Your Prices

Check Base Cost: View the product's base manufacturing cost
Add Your Markup: Decide your profit margin per item
Consider Platform Fee: Factor in the percentage that goes to CCSwag
Set Competitive Price: Research similar products in your niche
Test and Adjust: Monitor sales and adjust pricing as needed

Profit Optimization Tips

Volume Pricing: Lower margins on high-volume products
Premium Products: Higher margins on specialized items
Seasonal Adjustments: Adjust pricing for holidays/events
Bundle Deals: Offer discounts for multiple items
Market Research: Study competitor pricing regularly

Profit Calculator

Customer Price

Base Cost

Platform Fee %

Your Profit: $9.00

Pricing Best Practices

Start with 40-60% markup
Test different price points
Monitor competitor pricing
Consider your audience budget

Payment Processing

How Customer Payments Work

All customer payments are processed securely through Stripe, with automatic handling of taxes and fees.

Accepted Payment Methods

Credit Cards: Visa, MasterCard, American Express, Discover
Debit Cards: All major debit card networks
Digital Wallets: Apple Pay, Google Pay, Samsung Pay
Buy Now, Pay Later: Klarna, Afterpay (where available)
Bank Transfers: ACH transfers for large orders

Payment Processing Timeline

Order Placed: Customer enters payment information
Authorization: Payment method verified and authorized
Capture: Payment captured when order goes to production
Settlement: Funds settled to CCSwag account
Payout: Your earnings paid monthly

Security & Compliance

PCI DSS Compliant: Highest level of payment security
SSL Encryption: All transactions encrypted
Fraud Protection: Advanced fraud detection systems
3D Secure: Additional authentication for cards
Chargeback Protection: Automated dispute handling

Global Payments

190+ countries supported
135+ currencies accepted
Local payment methods
Automatic currency conversion

Customer Experience

One-click checkout
Guest checkout option
Mobile-optimized
Instant order confirmation

Payout System

How You Get Paid

Understand when and how you receive your earnings from merchandise sales.

Payout Schedule

Frequency: Monthly payouts on the 15th of each month
Minimum Threshold: $25 minimum balance required
Processing Time: 3-5 business days after payout date
Cut-off Date: Orders must be delivered by month-end to be included

Payout Methods

Method	Processing Time	Fees	Availability
PayPal	1-3 business days	Free	Global
Bank Transfer (ACH)	3-5 business days	Free	US only
Wire Transfer	1-2 business days	$25 fee	International
Check (Mail)	7-10 business days	$5 fee	US/Canada

Setting Up Payouts

Go to Dashboard → Billing → Payout Methods
Choose your preferred payout method
Enter your account details (PayPal email, bank info, etc.)
Verify your information
Set as default payout method

Payout Calculation

Monthly Payout = (All delivered orders in month) - (Platform fees) - (Refunds/Returns)

Payout Example

Sales in January: $1,000

Your profit: $400

Platform fee (10%): $40

Returns: $20

Payout: $340

Paid Feb 15th

Important Notes

Orders must be delivered to be paid
Pending orders don't count
Refunds deducted from payouts
Tax documents provided annually

Subscription Billing

Managing Your Subscription

Learn about subscription billing, plan changes, and managing your account costs.

Billing Cycle

Monthly Plans: Billed on the same date each month
Annual Plans: Billed yearly with 17% discount
Setup Fees: One-time payment when starting or upgrading
Pro-rating: Plan changes are pro-rated to the next billing cycle

Payment Methods for Subscriptions

Credit/Debit Cards: Automatic monthly/yearly billing
PayPal: Recurring payments through PayPal
Bank Transfer: Available for Custom plan customers
Invoice Billing: Custom plan can request invoice billing

Plan Changes

Change Type	When Applied	Billing Impact
Upgrade	Immediately	Pro-rated charge for remainder of cycle
Downgrade	Next billing cycle	Credit applied to next bill
Cancellation	End of current cycle	No refund, access until cycle ends
Reactivation	Immediately	Full charge for new cycle

Managing Your Billing

Access Dashboard → Account → Billing
View current plan and next billing date
Update payment methods
Download invoices and receipts
Change or cancel subscription

Billing Features

Automatic billing
Email receipts
Invoice downloads
Failed payment retry
Billing alerts

Failed Payments

3 automatic retry attempts
Email notifications sent
Account suspended after 7 days
Grace period for updates

Tax Information

Tax Compliance & Reporting

Important information about taxes, reporting, and compliance requirements.

Tax Responsibilities

Sales Tax: CCSwag handles all sales tax collection and remittance
Income Tax: You're responsible for reporting earnings on your tax return
Business License: Check local requirements for business licenses
International: Consult local tax professionals for international compliance

Tax Documents Provided

1099-NEC: For US creators earning over $600/year
Annual Summary: Detailed earnings report for all users
Monthly Statements: Breakdown of earnings and fees
Transaction History: Complete record of all transactions

International Tax Considerations

Withholding Tax: May apply to non-US creators
Tax Treaties: May reduce withholding rates
VAT/GST: Local value-added tax may apply
Professional Advice: Consult local tax professionals

Record Keeping Best Practices

Download monthly payout reports
Keep records of business expenses
Track design and marketing costs
Maintain receipts for deductible expenses
Consider using accounting software

Important Disclaimer

This is general information only. Tax laws vary by location and situation. Always consult with a qualified tax professional for advice specific to your circumstances.

Tax Document Timeline

1099-NEC: Issued by January 31st
Annual Summary: Available in February
Monthly Reports: Available by 5th of following month

Financial FAQs

You receive payment monthly on the 15th for all orders that were delivered in the previous month. Orders must be fully delivered to customers before you're paid.

Yes! You can upgrade immediately (takes effect right away) or downgrade (takes effect at your next billing cycle). Plan changes are pro-rated.

We'll automatically retry your payment 3 times over 7 days. You'll receive email notifications to update your payment method. If unsuccessful, your account will be suspended until payment is resolved.

Customer refunds are automatically deducted from your next payout. For quality issues, CCSwag covers the refund cost. For customer returns, the refund amount is deducted from your earnings.

Yes, your earnings are considered income and should be reported on your tax return. We provide 1099-NEC forms for US creators earning over $600/year and annual summary reports for all users.