Rules and Policies
Updated on August, 18, 2024
This article details the new rules regarding fees, costs, timelines, and rewards applicable to transactions and accounts. It is essential for users to understand these aspects to optimize their operations and avoid additional costs.
Costs Associated with Transactions
Chargeback
Cost: $10 / R$10 + Transaction Fee
A chargeback occurs when a customer disputes a transaction. This amount will be charged per chargeback, in addition to the original transaction fee.
Alert
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Cost: $5 / R$5 + Transaction Fee
An “alert” is an advance notice of a potential chargeback. It has a lower cost than a chargeback but also includes the original transaction fee.
Refund
Cost: Transaction Fee
When processing a refund, there is no additional fixed cost, but the original transaction fee is not refunded to the seller.
Rewards
To reward performance and sales volume, progressive reward targets have been established:
- R$100K/USD 20K: Commemorative Plaque + Bracelet
- R$1M/USD 200K: Commemorative Plaque + Bracelet
- R$5M/USD1M: Commemorative Plaque
- R$10M/USD 2M: Commemorative Plaque + National Cruise (Brazil or the United States)
- R$25M/USD 5M: Commemorative Plaque + Rolex Watch
Fee Structure
Fees vary by product type (digital or physical) and monthly sales volume. These fees will be applied in the following month based on current month performance.
Digital Product
- Up to $250k/month: 10% + $1
- Up to $500k/month: 9% + $1
- Up to $750k/month: 8% + $1
- Up to $1M/month: 7% + $1
- Over $1M/month: 6% + $1
Physical Product
- Up to $250k/month: 10%
- Up to $500k/month: 9%
- Up to $750k/month: 8%
- Up to $1M/month: 7% + $1
- Over $1M/month: 6% + $1
Important:
If the account chargeback rate exceeds 1%, an additional $0.30 will be charged on each transaction.
If the account chargeback rate exceeds 2%, an additional $0.35 will be charged on each transaction.
If the account chargeback rate exceeds 3%, an additional $0.40 will be charged on each transaction.
Retention Periods
Retention refers to the percentage of funds temporarily held before being released to the seller, based on the account’s chargeback performance.
General Retention Conditions:
- 10% – D30: For accounts with chargeback below 1%
- 15% – D45: For accounts with chargeback above 1%.
- 20% – D60: For accounts with chargeback above 2%.
- 25% – D75: For accounts with chargeback above 3%.
Fund Release Based on Sales Volume:
- 90% at D15: Up to $250k/month and chargeback below 1%.
- 90% at D13: Up to $500k/month and chargeback below 1%.
- 90% at D11: Up to $750k/month and chargeback below 1%.
- 90% at D9: Up to $1M/month and chargeback below 1%.
- 90% at D7: Above $1M/month and chargeback below 1%.
- 90% at D5: Above $3M/month and chargeback below 1% (subject to account viability analysis).
Disclaimer
Accounts with a chargeback rate above 1% will be closely monitored. Although financial measures such as additional fees will be applied, this does not guarantee that the account will not be suspended. The account will be continuously evaluated to ensure compliance with risk policies.
Conclusion
These rules are designed to ensure operational sustainability, offering incentives for strong performance and managing risks associated with chargebacks and refunds. It is essential for sellers to monitor their performance metrics to optimize their margins and avoid additional costs. Please note that fees and charges will be applied in the following month based on current results and behaviors, providing greater financial predictability.
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