> For the complete documentation index, see [llms.txt](https://docs.tebex.io/creators/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.tebex.io/creators/tebex-checkout/how-payments-work.md).

# How Payments Work

### Stage 1: Customer Makes a Purchase

When a customer completes a payment:

* Any **automatic delivery actions** are triggered immediately (e.g., game server commands, webhooks, RCON commands—based on your setup).
* You’ll receive an **email notification** confirming the purchase.
* **Gateway fees** and **platform fees** are deducted automatically.

#### Fee Details

* **Gateway Fees**: Charged by the payment provider. Varies by method (e.g., PayPal, iDEAL, card).\
  ➤ [View gateway fees by payment method](https://creator.tebex.io/payment-methods)
* **Platform Fees**: Charged by Tebex to support development, platform maintenance, and fraud protection.\
  ➤ [View platform fees by game/store type](https://www.tebex.io/pricing-for-game-servers)

***

### Stage 2: Funds Settle in Your Tebex Wallet

After the purchase, funds enter a **settlement period** before becoming available for withdrawal.

* **Average settlement time**: 14 days (can vary by payment method)\
  ➤ [See settlement times](https://creator.tebex.io/payment-methods)
* During settlement, your funds remain in your **Tebex Wallet**.

#### Wallet Setup

* Ensure your **withdrawal methods** (PayPal, bank account, wire transfer) are correctly added.
* Updating withdrawal info may require additional verification.\
  ➤ [How to manage your wallet and withdrawal methods](broken://spaces/k6TR7SuepunW7QJVY0dc)

***

### 🧾 Stage 3: Requesting a Payout

Once funds appear in your **settled balance**, you can request a withdrawal:

* **Minimum payout**: Starts at USD $5 (varies by method)
* **Withdrawal fees**: Start from approximately USD $0.50\
  ➤ [View withdrawal fees by method](https://wallet.tebex.io/withdraw)

> **Tip**: PayPal is usually the cheapest withdrawal option.

***

### Stage 4: Money Received

After your payout is approved:

* Funds are transferred to your **PayPal or bank account**
* Transfer times depend on method, ranging from **instant to 7 working days**

***

### Summary

| Stage                 | Description                                         |
| --------------------- | --------------------------------------------------- |
| 1. Customer Purchase  | Payment is received; fees deducted; items delivered |
| 2. Wallet Settlement  | Funds settle in your Tebex Wallet                   |
| 3. Withdrawal Request | You request a payout after settlement               |
| 4. Money Received     | Funds arrive in your PayPal or bank account         |