Payments & Fees Policy

Payments & Fees Policy

Last updated: 2026

This Payments & Fees Policy explains how transactions are processed on BLDTRU, including how makers get paid, what fees apply, and how our payment processor (Stripe) handles secure transfers. This policy applies to all buyers and makers using the platform.

1. Payment Processing

BLDTRU uses Stripe as its official payment processor. All transactions, including buyer payments, maker payouts, refunds, and dispute refunds, are handled through Stripe Connect in accordance with Stripe’s global compliance standards.

By purchasing or selling on BLDTRU, you agree to Stripe’s Terms of Service in addition to this policy.

2. Maker Payouts

Makers must connect a valid Stripe account to receive payouts. Once connected, Stripe routes payments directly to the maker after deducting the disclosed maker fees. BLDTRU covers its standard Stripe processing costs from the marketplace fees it collects.

Payout timing is determined by Stripe and may vary based on country, banking institution, and account verification status.

• The maker must keep payout information accurate
• Payouts may be delayed if Stripe requires additional verification
• Payout failures caused by incorrect account info are the maker’s responsibility

Makers can manage their bank details in Stripe. Account closure starts with a support request and a review of outstanding orders and balances, as described in the Stripe Connect Policy.

3. Platform Fees

BLDTRU charges a transparent marketplace fee that supports platform operations, customer support, dispute handling, and site infrastructure. Makers pay the disclosed seller and operating fees; buyers separately pay the buyer-protection fee shown before payment.

The current fee structure includes:

• Transaction Fee: A percentage fee taken from each completed sale, plus a fixed operating fee per maker order.
• Payment Processing: BLDTRU pays its standard Stripe processing costs from collected marketplace fees. Optional Stripe or bank services may have separate charges.
• Buyer Protection Fee: Applied to eligible orders that include buyer protection services.

Current rates and examples appear on the fees page and in payment settings. Existing paid orders keep their recorded fees.

4. Taxes

Makers are responsible for complying with all applicable tax laws, including sales tax, income tax, VAT, or other obligations.

BLDTRU may collect and remit tax where required by law. In such cases, tax amounts will be displayed to the buyer at checkout.

Makers must provide all required tax forms when requested (such as W-9 for U.S. makers).

5. Buyer Payments

Buyers must provide a valid payment method at checkout. All charges will appear as BLDTRU or STRIPE on their statement.

BLDTRU may temporarily authorize a hold on a payment method for verification or fraud-prevention purposes.

6. Refunds, Chargebacks & Adjustments

Refunds are issued according to the Refund Policy and may require maker approval depending on the situation.

In the event of a chargeback:

• Stripe will notify BLDTRU and withdraw the disputed funds
• Makers may be required to provide documentation or proof of delivery
• BLDTRU may issue refunds at its discretion to protect platform integrity

Excessive chargebacks may result in account restrictions, withheld payouts, or removal from the platform.

7. Fraud Prevention

BLDTRU and Stripe employ automated tools to detect fraud, unauthorized use, or suspicious orders. Orders may be automatically held, canceled, or reviewed.

Makers and buyers must cooperate with verification requests when required.

8. Payment Disputes

Payment-related disputes between buyers and makers are handled under the Dispute Resolution Policy.

BLDTRU reserves the right to issue refunds or hold funds if a maker violates platform rules, fails to fulfill orders, or engages in deceptive practices.

9. Policy Updates

This Payments & Fees Policy may be updated at any time. Continued use of BLDTRU after changes means you accept the updated terms.