1. Request and review
Buyers can contact Kordiva about a refund; sellers can submit a request for review. Submitting a request does not immediately issue a refund. Kordiva reviews the sale, customer rights and supporting evidence.
Kordiva Merchant of Record
Your digital product.A complete commerce stack.
Bring your digital product. Sell through a storefront, Checkout Links or API. For eligible Individual sales, Kordiva LLC connects hosted checkout, buyer-tax handling in activated markets and eligible payouts as Merchant of Record.
Digital only · Application required · TEST before LIVE
Kordiva / Dashboard
Three ways to sell
Your audience. Your experience.
Storefront
Your brand. Your domain. A complete catalog and buying experience.
Themes · Pages · Custom domain
Checkout Links
Turn a conversation into a sale. Share checkout through social, chat or email.
Social · Messaging · Email
API
Keep your own experience. Connect commerce to an existing site or application.
Catalog · Checkout · Integration
The legal and product flow
Customer → Kordiva → You.
01 / Customer
Buys approved digital content through Kordiva's hosted payment flow.
02 / Kordiva LLC
Acts as Merchant of Record for the eligible transaction and controls the configured payment, buyer-tax and refund lifecycle.
03 / Individual seller
Supplies the approved content or service. Eligible proceeds become available under payout and risk policies.
Your own income-tax, accounting and registration obligations remain. Business Commerce is a separate model in which the registered merchant remains the seller of its goods and services.
Individual refunds & chargebacks
A clear process, from request to resolution.
For approved one-time Individual digital sales, Kordiva LLC is Merchant of Record and manages the buyer-facing payment case. Sellers supply the approved digital product and cooperate with review and recovery. These rules apply only to Individual MoR; Business Commerce follows its separate rules.
2. Approved full refunds
Kordiva refunds the original customer payment through its controlled workflow. Eligible seller funds already transferred can be recovered by reversing the related transfer. Any approved recovery shortfall can become seller debt and reduce future eligible proceeds. Recovery is not guaranteed; incomplete seller recovery does not remove the buyer's refund rights.
3. Partial refunds
Automatic LIVE partial refunds are currently unavailable. Recovering part of a seller transfer is a separate operation from refunding part of a customer's payment. A partial transfer reversal does not mean a partial customer refund is supported.
4. Chargebacks and evidence
Kordiva manages the dispute on its original customer charge. Sellers must supply requested product, delivery and customer-communication evidence. An unresolved dispute can hold affected proceeds; the reviewed seller-funded amount may be recovered or recorded as debt.
5. Won or lost disputes
After a confirmed win, the appropriate previously recovered seller amount can be restored once payment recovery is verified. A confirmed loss can reduce proceeds or leave outstanding seller debt. Restoration and recovery are not automatic or guaranteed; unrelated holds remain separate.
6. Fees after a refund
The percentage commercial sale fee is credited according to the confirmed refund. Fixed sale-fee retention requires an explicit review of non-refundable costs; an already charged payout fee is retained. Original processing and FX costs are not automatically returned; provider credits require confirmation. Kordiva bears dispute infrastructure and representment fees, separately from the seller-funded principal.
Individual reserve policy
Temporary protection. Your funds, held separately.
Our intended rolling reserve policy protects against refunds, disputes and outstanding debt. A reserve is temporarily unavailable seller money, not an additional commercial fee. Application depends on account eligibility, risk review and verified activation.
Default / new seller
10%
90 days
Reduced
5%
90 days
Proven seller
0%
No routine rolling reserve
Higher risk
15%
Up to 120 days
The reserve is calculated on eligible seller payable after buyer tax, commercial sale fees and confirmed seller-borne costs, before the payout-batch fee. Reduced and proven tiers require qualifying history, sales volume, dispute performance, debt and reconciliation checks; they are not purchased plan benefits or automatic upgrades based on time alone.
Each reserved portion has its own holding period. Release requires the applicable period and confirmed release and eligibility checks; it does not mean immediate bank arrival. A 0% routine reserve does not remove refund, dispute, debt or other risk holds. Kordiva's platform-managed reserves are separate from any additional reserves or restrictions Stripe imposes.
Individual payouts
Twice monthly. The 1st and 15th, UTC.
Eligible Individual proceeds are scheduled for payout twice monthly, on the 1st and 15th of each month, using UTC dates. These are scheduled processing dates, not guaranteed bank-arrival dates. Pending funds wait for a later eligible cycle.
Verification, settlement, confirmed costs, maturity, reserves, refunds, disputes, debt and reconciliation determine eligibility. Money transferred to a seller's Stripe Express account is not yet a bank payout; reserved funds remain unavailable until released. A separate payout-batch fee applies under your plan.
Requests, controls and updates
Storefronts, Checkout Links and API sales follow the same Individual rules. A seller request does not execute a refund, release a reserve or bypass payout controls. Refund execution and reserve release follow Kordiva's controlled review.
Your dashboard distinguishes available funds and payout status. Email updates for funds available, payouts in transit, paid or failed require separate activation; they are not promised as currently enabled for every seller. A payment receipt is not confirmation of a bank payout.
Planned buyer markets
Planned initial buyer markets: United States, Canada, Australia, and all 27 EU member states.
These are the intended initial buyer markets for Individual MoR, with more countries planned gradually after review. Canada and EU-27 are pending. This roadmap applies only to Individual MoR. Business Commerce already serves merchants accepting live payments and supports international buyers where Stripe supports the transaction, subject to the merchant’s setup and applicable requirements.
United States
Planned launch market; activation remains to be verified.
Canada
Application submitted; pending. Launch requires approval and verified activation.
Australia
Tax setup completed as reported by Kordiva; activation remains to be verified.
European Union — 27 countries
Irish OSS application pending; EU availability is planned. A pending application is not an active registration.
Additional buyer countries may be enabled where Stripe payment support, product eligibility, and applicable tax and compliance requirements have been reviewed. Stripe payment support alone does not activate a buyer market.
Seller onboarding is separate: North Macedonia, Serbia, Bosnia and Herzegovina, and Albania are our initial application countries. Sellers elsewhere can request a country review as we expand. We check payment support, identity, bank and local requirements before confirming access.
Ask about another countryMore than a payment layer
Everything around the digital sale.
SELL
Storefront · Digital products · Themes/pages · Custom domain · Checkout Links · API
OPERATE
Orders/history · Customers · Analytics · Email · Contacts/newsletter · TEST/LIVE controls
GET PAID
Hosted checkout · Tax in supported buyer markets · Transaction breakdown · Balance · Reserve status · Payout history
INDIVIDUAL · MERCHANT OF RECORD
What happens to my money?
Follow one digital sale, from the customer to the bank.
Customer pays
The customer completes checkout for an approved digital product.
Scheduled Individual payout cycles: 1st and 15th UTC. Eligible funds only, subject to verification, maturity, reserves, reconciliation and risk controls; no guaranteed bank arrival date.
USD · EXAMPLE, NOT A PAYOUT PROMISEA customer pays $100.
A customer pays $100.
How much remains?
First see a Business Commerce sale, then compare the Individual plans. Fees and payout rules are different between the two models; a balance after one fee is not the amount arriving in your bank.
BUSINESS COMMERCE
An example on the Basic plan.
Your registered business is the legal seller. On a $100 sale before buyer tax, this example assumes a 2.9% + $0.30 Stripe processing charge solely to illustrate the math. Your actual Stripe/payment-provider fees can differ.
Compare all Business plansProduct sale$100.00
Kordiva Basic fee (2%)− $2.00
Illustrative Stripe processing (2.9% + $0.30)− $3.20
Illustrative remainder before other costs$94.80
Illustrative calculation, not the final bank payout amount. The $5 Basic monthly subscription is separate; taxes, FX, bank fees, holds and adjustments are not deducted here.
INDIVIDUAL · MERCHANT OF RECORD
What remains after Kordiva's sale fee?
Eligible one-time digital sales only. Below, all plans assume a $100 product price before customer tax. Provider costs, reserves, payout fees and banking costs still apply separately.
Creator
4.9% + $0.49
Kordiva sale fee$5.39
After Kordiva sale fee$94.61
Payout fee: 0.5% of eligible payout amountPro
4.5% + $0.39
Kordiva sale fee$4.89
After Kordiva sale fee$95.11
Payout fee: 0.5% of eligible payout amountScale
4.0–4.25% + $0.29
Kordiva sale fee$4.29–$4.54
After Kordiva sale fee$95.46–$95.71
Payout fee: 0–0.25% of eligible payout amountIllustrative negotiated range. Contact sales for your contract.The full calculator is for the Individual Merchant of Record model. It lets you enter confirmed processing costs, customer tax and temporary reserves rather than assuming unknown costs are zero.
TEST · No real charge
Build and test first.
Build and review your setup in TEST. LIVE payments require separate approval, verification and activated buyer markets.
Try TEST checkout →Choose your selling model
Creator
Launch your first digital product.
$0 / month
4.9% + $0.49 per digital sale0.5% of eligible payout batch
- 1 active store · 100 products per store
- Custom domains & storefront themes
- Checkout Links & API
- One-time hosted digital checkout
- Email, contacts & analytics
- Balance, reserves & payout visibility
Pro
Grow your digital catalog and business.
$29 / month
4.5% + $0.39 per digital sale0.5% of eligible payout batch
- 3 active stores · 500 products per store
- Custom domains & storefront themes
- Checkout Links & API
- One-time hosted digital checkout
- Email, contacts & analytics
- Balance, reserves & payout visibility
Scale
A tailored agreement for larger operations.
Custom
4.0–4.25% + $0.29 per digital sale0–0.25% of eligible payout batchNegotiated ranges · contract required
- Store & product limits agreed in contract
- Custom domains & storefront themes
- Checkout Links & API
- One-time hosted digital checkout
- Email, contacts & analytics
- Balance, reserves & payout visibility
Individual payouts: twice monthly, on the 1st and 15th (UTC), for eligible funds only. Reserves, refunds, disputes and reconciliation can delay eligibility; bank arrival is separate. Payout schedule → · Reserve policy →
Individual sale and payout fees shown above are Kordiva commercial fees, do not include actual Stripe processing fees. Actual payment-processing, FX, bank costs, taxes and other adjustments are separate. Eligible one-time digital sales only. All MoR terms →
Built for digital work
Make something worth buying.
Digital downloads
Design assets
Downloadable software
Digital educational content
Eligible digital services
Product approval and restricted-use policies apply. Physical goods and recurring customer subscriptions are not supported by Individual MoR.
Restricted products policyBuilt in the Balkans
Designed for international commerce.
Seller applications
Onboarding starts with these four seller countries. Sellers elsewhere can contact us to request a country review as we expand. Payment support, verification and local requirements are checked before access is confirmed.
North Macedonia
Bosnia and Herzegovina
Serbia
Albania
Buyer markets are separate
Business Commerce already supports live customer payments, including international buyers where Stripe supports the transaction. Individual MoR has a separate buyer-market rollout: Canada and EU-27 are pending, while other markets are enabled gradually after payment, product and tax review. Seller onboarding countries do not define buyer reach.
Eligibility and market questionsFrom product to payout
Bring your digital business to Kordiva.
Start with an application. We review seller eligibility, digital products and the requirements for activation.
Apply for access