> ## Documentation Index
> Fetch the complete documentation index at: https://docs.guaybo.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Commissions and payouts

> What Guaybo charges on each sale and how you get your money.

Guaybo charges a commission on every sale you close. Here's how it's calculated,
who pays it, and how the money reaches you.

## How the commission works

Every successful sale carries a two-part commission:

<CardGroup cols={2}>
  <Card title="Variable part" icon="percent">
    A percentage of the product price: **9.9%** on Standard, **7.9%** on Creator
    and Creator Pro.
  </Card>

  <Card title="Fixed part" icon="coins">
    **\$0.50 USD** per transaction, regardless of the sale amount.
  </Card>
</CardGroup>

Example for a **\$20 USD** product on the Creator plan:

| Item                               | Amount     |
| ---------------------------------- | ---------- |
| Variable commission (7.9% of \$20) | \$1.58     |
| Fixed fee                          | \$0.50     |
| **Total commission**               | **\$2.08** |

<Tip>
  **You decide who pays the commission.** You can pass it on to the buyer (added
  to the final price they see) or absorb it yourself (deducted from your
  earnings).
</Tip>

<Info>
  **Guaybo does not hold your money and does not work as a wallet.** We keep no
  balances in your name: the money from each sale goes straight to your bank
  account, or the buyer pays you directly. The only thing that moves between you
  and Guaybo is the platform commission.
</Info>

## Charging in bolívares

Bolívar payments work **automatically**:

<Steps>
  <Step title="The buyer pays">
    With **immediate debit** or **mobile payment** with automatic validation.

    <Info>
      **Immediate debit:** the buyer's bank sends them an **8-digit** code by SMS
      or through its banking app. That code authorizes the purchase without the
      buyer ever leaving your sales page.

      **Mobile payment:** the buyer opens their banking app, sends the payment to
      the details shown, and then reports it with their mobile payment details
      and the transaction reference number.
    </Info>
  </Step>

  <Step title="Guaybo deducts the commission">
    The commission for your plan is applied.
  </Step>

  <Step title="The money reaches your account">
    The transfer to your bank account happens automatically.
  </Step>
</Steps>

<Note>
  **Payout hours.** The Venezuelan banking network has intermittent service
  between **11:00 pm and 4:00 am**. The money from sales you receive in that
  window lands in your account **after 8:00 am** the next day. Outside those
  hours the transfer is automatic.
</Note>

### Bank fees

These fees are **charged by the banks and the payment network, not by Guaybo**.
They are deducted from your earnings, on top of the platform commission:

| Item            | Fee  |
| --------------- | ---- |
| Immediate debit | 2%   |
| Mobile payment  | 1.5% |
| Bank transfer   | 0.3% |

### Requirements to charge in bolívares

<Steps>
  <Step title="Verify your identity">
    KYC verification with a photo of your ID document and facial recognition.
    You must be 18 or older.
  </Step>

  <Step title="Add your tax information">
    Required to issue your invoices.
  </Step>

  <Step title="Set up your mobile payment">
    Under **Account → Payment methods**, with the details where you want to
    receive the money.
  </Step>
</Steps>

## Charging in dollars and other currencies

With foreign-currency payments the buyer pays you **directly** and you confirm
the transaction in Guaybo. The platform commission becomes a balance you owe
Guaybo, and you can see it in the **Payments** section of your account.

You can settle that balance **daily** or **let it accumulate and pay at the end
of the week**.

<Warning>
  The deadline to pay is **3 days after the end of the month**. Past that, the
  account goes into **delinquent** status and sales are blocked across all your
  products.
</Warning>

## Invoices

The **Invoices** module holds the history of every invoice Guaybo issues you for
the commissions you pay on each sale.

A single invoice can group the commissions of several sales made over a period
of days, and includes the breakdown of:

* Subtotal and taxable base
* **16% VAT**
* Total, in dollars and in bolívares at the BCV rate

Clicking the **view detail** icon shows exactly which sales are associated with
that invoice, under the **Associated payments** section.

<Warning>
  These are the invoices **Guaybo issues to you** for the platform service.
  Guaybo does not issue invoices on behalf of creators to their customers: that
  responsibility belongs to each creator, according to the laws of their
  country.
</Warning>

## Commissions are non-refundable

Commissions are **not reversible**.

If you agree to a refund with a buyer, that refund is handled directly between
you two: Guaybo does not take part in those agreements and does not return the
commission already charged.

## Taxes and invoicing

Each creator is responsible for handling the taxes that apply to their income,
according to the laws of their country.

The invoices in the **Invoices** module cover only the commissions you pay
Guaybo for using the platform: they **do not replace or cover your tax
obligations as a seller**.

## Acceptance

By creating your account and publishing your products on Guaybo, you accept
these operating conditions. You can read the full detail in our
[Terms and Conditions](https://cdn.guaybo.com/public/legal/guaybo-terms.pdf).

## FAQ

<AccordionGroup>
  <Accordion title="Can I pass the commission to the buyer?">
    Yes. For each product you decide whether to add the commission to the final
    price or absorb it yourself.
  </Accordion>

  <Accordion title="When do I get my money?">
    In bolívares, the transfer to your account is automatic after each validated
    sale. In dollars the buyer pays you directly, so you get the money instantly
    and settle the commission with Guaybo afterwards.
  </Accordion>

  <Accordion title="What happens if I don't pay the commission on time?">
    Your account goes into delinquent status 3 days after the end of the month
    and sales are blocked across all your products until you settle the balance.
  </Accordion>
</AccordionGroup>