Payout Policy

CKURO.ART uses Stripe Connect to handle all payouts. When you go through artist onboarding, you connect your bank account directly to Stripe. CKURO.ART never holds your money — it passes straight through to you on Stripe's standard schedule.

The flow from sale to your account looks like this:

Stripe's default payout schedule is daily automatic payouts, with funds arriving in your bank account 2–7 business days after each sale, depending on your country and bank.

These are estimates based on Stripe's published timelines. Your actual payout speed depends on your bank and country. New accounts may experience a slightly longer initial processing window as Stripe verifies the connection.

After your artist application is approved, you'll go through a one-time Stripe Connect onboarding from your dashboard. Stripe will ask for:

• ◈Your legal name and date of birth (for identity verification)
• ◈Your address
• ◈Your bank account details (routing + account number, or IBAN internationally)
• ◈Your tax information (SSN last 4 for US, or equivalent for other countries)

This information goes directly to Stripe — CKURO.ART never sees your bank account details or sensitive identity information. Stripe is a PCI-compliant payment processor used by millions of platforms worldwide.

You can start listing artwork before completing Stripe onboarding, but you won't be able to receive payouts until it's finished. Buyers also won't be able to purchase from you until your payout account is active.

There is no minimum payout threshold on CKURO.ART's end. Stripe may apply its own minimum payout amounts depending on your country — these are typically low (under $1 USD equivalent) and rarely relevant in practice.

Sales of $0.00 (free downloads) do not generate a payout — there's nothing to transfer. Free listings are supported for artists who want to offer work without a price.

Digital goods are generally non-refundable once delivered. CKURO.ART's policy is that a completed digital download is a completed sale.

If a buyer files a chargeback through their bank or card issuer, Stripe will initiate a dispute process. You may be asked to provide evidence that the transaction was legitimate (delivery confirmation, communication records, etc.). CKURO.ART will support you in providing platform-side evidence where we can.

In the event of a successful chargeback, the sale amount is reversed and a dispute fee (charged by Stripe, typically $15) may apply. This is rare for digital goods delivered as described.

Commissions and physical goods disputes are handled case-by-case. If a buyer has a legitimate complaint about something they didn't receive or that materially differs from what was described, contact us and we'll work through it with both parties.

CKURO.ART does not withhold taxes from your payouts. You are responsible for reporting and paying any applicable taxes on income you earn through the platform — this includes income tax, self-employment tax, VAT, GST, or equivalent taxes in your jurisdiction.

US-based artists who earn over $600 in a calendar year may receive a 1099-K from Stripe (not from CKURO.ART). Stripe manages tax form distribution directly through your Stripe Express dashboard.

This is not tax advice. Consult a tax professional for guidance specific to your situation and jurisdiction.