Before you start
You can open the Payments page, list items, make a sale, ship, and see the money land in your Reflexed balance even if you haven’t finished Stripe onboarding. To move those funds to your bank or debit card, you must complete onboarding.
How Reflexed Payments works
Buyer pays on Reflexed. The order shows in Payments as Payment pending.
You ship with tracking. When tracking updates, status moves to In transit.
Funds become available.
First successful payment: typically when the order shows delivered.
After that: when tracking shows in transit.
Local pickup: when the buyer marks received.
Send money out.
Standard Payments to a bank account. Typical bank posting time: 1–4 business days after funds are released.
Instant Payments to an eligible debit card, in minutes, with a small fee.
Adjustments. Refunds, disputes, and fees are settled from your balance. If your balance is negative, future earnings cover it or Stripe may debit your bank.
Set up and verify (one time)
Start in Reflexed → Enable payments → Continue in Stripe.
Choose Individual or Company and enter the requested personal or business details.
Add a destination for payments: connect your bank instantly or enter it manually and confirm the small micro-deposit code. Add a debit card if you want Instant Payments.
If Stripe flags Action needed, follow the link shown in Reflexed to upload a clear photo ID, proof of address, or business documents.
See the detailed page: Reflexed Payments — Account verification & bank setup (Stripe).
When money is available
First payment: after delivery on the first completed order.
Ongoing payments: after in-transit scan on shipped orders.
Local pickup: after the buyer marks received.
We may place temporary holds or reserves if risk signals appear, or while Stripe reviews updated info.
Standard vs Instant
Standard Payments
Destination: checking account in your name or business name
Arrival: 1–4 business days after funds are released to Stripe
No extra fee from Reflexed
Instant Payments
Destination: eligible debit card
Arrival: minutes after you request the transfer
Fee applies per transfer
Availability depends on Stripe eligibility
Payment statuses (what you’ll see)
Status | What it means | What to do |
Needs setup | Stripe onboarding not finished | Finish setup to move funds to your bank or card |
Payment pending | Buyer paid; order not yet moving | Ship with tracking |
In transit | Carrier shows movement | Funds will become available per your account rules |
Delivered | Carrier shows delivered | First payment: funds become available after this |
Available | Ready to send | Choose Standard or Instant |
Transfer in progress | We’ve sent it | Wait for bank posting or card credit |
Paid | Money arrived | Nothing else to do |
Action needed | Stripe needs more info | Open the link in Payments and upload the requested docs |
On hold / Review | Risk or account review | We’ll notify you; watch for an email and in-app banner |
Failed transfer | Bank rejected the transfer | Update bank details, then retry |
Fees and adjustments
Instant Payments have a small fee per transfer.
Refunds deduct from your balance. If the balance is short, the remainder comes from future earnings.
Disputes may place the transaction amount on hold until resolved.
Currency conversion may apply when you sell and settle in different currencies.
Change bank or debit card
Seller Hub → Payments → Manage in Stripe.
Update the bank account or add/remove a debit card.
If Stripe requests a new verification, complete it to resume transfers.
Regions and methods
Reflexed Payments is available in supported countries and currencies. Availability, timing, and Instant eligibility vary by region and bank.
Taxes and reporting
If you meet your local reporting threshold, you’ll be asked for tax details. Forms are issued by Stripe or Reflexed per local rules.
Security and privacy
Bank connections and credentials are handled by Stripe. Reflexed sees payment status and the minimum data needed to route transfers, not your full bank login.
Troubleshooting quick fixes
Name or address mismatch → open Manage in Stripe, edit to match your legal ID, and resubmit.
Bank not listed → choose Enter bank details manually and confirm the micro-deposit code.
Micro-deposit missing → wait 1–2 business days, confirm account number, then retry.
ID won’t verify → upload a sharp, glare-free photo of the full document, front and back if required.
Transfer late → check weekends and bank holidays; Standard transfers post on banking days only.
FAQs
Can I sell before onboarding?
Yes. You can list, sell, ship, and see funds in your Reflexed balance. You must finish Stripe onboarding to move money to your bank or debit card.
Do I need a business to get paid?
No. Choose Individual if you’re not registered as a company.
Can I use a savings account or prepaid card?
Use a checking account for Standard Payments. For Instant Payments you need an eligible debit card.
Why is my first payment slower?
New accounts often release the first payment after delivery. After that, releases occur when the order is in transit.
What if the buyer refuses delivery or a refund is issued?
We settle refunds and adjustments from your balance. If the balance is negative, future earnings will cover it.