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Getting Paid with Etsy Payments

Etsy Payments is the main way to get paid on Etsy. When your shop is enrolled in Etsy Payments, you offer buyers multiple payment options including:

  • Credit cards

  • Debit/bank cards

  • Etsy Gift Cards and Etsy Credits

  • PayPal

  • iDEAL (Netherlands only)

  • Sofort (Austria and Germany)

  • Apple Pay

  • Android Pay

Shops that offer Etsy Payments can also accept multi-shop checkout orders.

Etsy Payments sellers receive funds from these sales directly to their bank accounts in the same currency as that of their shop's payment account.

Getting started

Receiving payments

Etsy Payments fees

Accepting Etsy Payments with integrated PayPal

Delayed payments

Issuing a refund

Listing items in different currencies


Getting started

To sign up for Etsy Payments, go here.

You’ll need a credit card, bank account, and residential address in one of the eligible countries for receiving deposits. You'll also be required to verify your personal identity.

Note: Sellers with bank accounts in Germany, Austria, and the Netherlands are not required to have a credit card on file to sign up for Etsy Payments.

Have questions about how Etsy protects sellers from fraudulent or unauthorized purchases? Read more about Etsy's Seller Protection program.

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Receiving payments

Etsy will send your Etsy Payments funds to your bank in one of the following currencies:

  • United States Dollar (USD)
  • Australian Dollar (AUD)
  • British Pound (GBP)
  • Canadian Dollar (CAD), Danish Krone (DKK)
  • Euro (EUR)
  • New Zealand Dollar (NZD)
  • Norwegian Krone (NOK)
  • Swedish Krona (SEK)
  • Swiss Franc (CHF)

To manage your orders and deposits, visit your payment account by going to Shop Manager > Finances > Payment account.

Your available funds are deposited according to the custom disbursement schedule you’ve chosen in your payment settings. To change when your funds are deposited, go to Shop Manager > Finances > Payment settings and use the Deposit schedule dropdown menu to choose between daily, weekly, biweekly, and monthly disbursements.

Please note that some countries require a minimum amount of funds for daily disbursement:

AUD 25.00 - Australia
CAD 25.00 - Canada
CHF 15.00 - Switzerland
DKK 200.00 - Denmark
EUR 20.00 - Euro
GBP 15.00 - UK
HKD 200.00 - Hong Kong
NOK 25.00 - Norway
SEK 100.00 - Sweden
SGD 25.00 - Singapore
USD 25.00 - United States

You can also use the Schedule Earlier Deposit button in your payment account.

Funds generally take 3 to 5 business days to appear in your bank account, depending on your bank. If a deposit day happens to fall on a holiday, available funds will be sent on the next business day.

  • If your bank account is set for a different local currency, you may be subject to foreign exchange charges. Etsy is, unfortunately, unable to control or refund these fees. Please contact your bank directly if you're concerned about fees to receive funds into your account.

  • If you’re listing in a currency that’s different from your bank account currency, you’ll also see the exchange rate in effect at the time of the sale. Learn more about exchange rates on Etsy.

  • For sellers located in Bulgaria, Croatia, Czech Republic, Hungary, Poland, and Romania: Etsy will send EUR to your bank account on file. Your bank may charge foreign exchange fees to deposit these funds into your account.

After signing up and adding your bank information, there is a 5-day hold on the funds in your payment account. This hold only occurs when bank information is added or changed.

Once the 5-day hold has lifted, your deposits will fall into a schedule based on your sales history, as described below:

  • If fewer than 90 days have passed since your first sale, regardless of payment method, the money from Etsy Payments orders will become available for deposit 3 days after the sale.

  • If 90 or more days have passed since your first sale, the money from Etsy Payments orders will become available for deposit the next business day.

Note: In some cases, deposits to sellers’ bank accounts could be temporarily delayed by an issue at Etsy, at Etsy’s third-party service providers, or at a seller’s bank. We always work hard to avoid and minimize any delays. We’ll do our best to communicate with the affected sellers as soon as we can. However, Etsy is not obligated to refund any fees or reimburse any expenses due to holds or delayed deposits.

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Etsy Payments fees

Orders placed through Etsy Payments are subject to a payment processing fee. This amount is applied to the total sale price, including shipping and sales tax. This fee is in addition to Etsy's transaction fee.

Etsy Payments fees vary by location. Read about the fees for your country here.

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Accepting Etsy Payments with integrated PayPal

With this feature, PayPal payments go into your payment account on Etsy. They won't appear in your own PayPal account. This way you're not managing your money in multiple places.

When eligible, Etsy's Seller Protection covers PayPal transactions processed through Etsy Payments.

  • If you are already accepting standalone PayPal and you choose to accept Etsy Payments with integrated PayPal, you will not be able to turn standalone PayPal back on.

  • If you accept only Etsy Payments as a payment method, you’re automatically eligible to receive payments from buyers who wish to pay using PayPal. The funds will be deposited into your bank account at the same time as all of your other sales. No action is needed on your part.

  • When you use PayPal through Etsy Payments, you don't have to pay a separate PayPal fee. This Help article shows the Etsy Payments fees for your location.

PayPal and multi-shop checkout

If you accept Etsy Payments and standalone PayPal, and a buyer purchases from your shop using multi-shop checkout, their PayPal payment will be processed as an Etsy Payments transaction.

This means that the funds from that sale will be deposited into your payment account instead of your standalone PayPal account.

Cases and disputes

If a buyer pays with PayPal through Etsy Payments and files a case on Etsy, an Etsy employee will be able to mediate. You can learn more about resolving a case on Etsy here.

If a buyer chooses to file a dispute through PayPal, Etsy will work on behalf of the seller to resolve the dispute. The seller will not directly participate. This is similar to how we manage credit card chargebacks with Etsy Payments.

With integrated PayPal through Etsy Payments, PayPal will never have access to your funds or your payment account. As long as you follow the required guidelines, your funds and your account are covered by Etsy's Seller Protection in the event of a dispute.

Taxes for US sellers

If you're eligible to receive a 1099-K form at the end of the year (any US seller with over $20,000 in annual sales and more than 200 payments through Etsy Payments is eligible), any sales you made using integrated PayPal through Etsy Payments will be included in the total on your 1099-K form from Etsy.

Read more about the 1099-K in this Help article.

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Delayed payments

Sales can sometimes take a bit longer than normal to process completely. When this happens, you'll receive an email from Etsy informing you that your order is currently in a processing state.

The processing state will only be temporary. You'll receive a separate confirmation email when it's complete.

Note: Please hold off on shipping your order until you've received this confirmation.

While the order is still processing, it won't appear on your Orders page. Instead, you'll see a small note saying, "You have processing orders."

Please wait to ship the item until:

  • you receive an email confirmation that the order was processed, or

If your sale can't be completed, the item will go back up for sale in your shop. Please don't ship the order until you see that the processing has completed.

If you have any orders that have been processing or in the processing state for more than 48 hours, email us or request a phone call by clicking the contact link at the bottom of this page.

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Issuing a refund

Note: The following are instructions for issuing a refund from your payment account on Etsy.com. Learn how to issue a refund from the Sell on Etsy app.

1.) To issue a refund for an order paid through Etsy Payments, go to Shop Manager > Orders and click the receipt number for the order.

2.) From the receipt page, click Manage order > Issue a refund.

3.) Issue either a partial or full refund. You and the buyer will receive a notification email.

The refund amount will be deducted from the total balance in your payment account.

If you don’t have enough funds in your payment account to cover the refund, your credit card on file will be charged for the remainder due.

An Etsy Payments refund can only be issued to the buyer’s original payment method used for the purchase. If your buyer paid using a debit or credit card that is no longer valid, check out this Help article.

If the buyer checked out in a different currency, they'd be refunded the same amount that they paid, regardless of any currency rate fluctuations that have occurred since the time of sale.

Note: Only payments made through Etsy Payments can be refunded through Etsy. If you accept PayPal payments to your own PayPal account, you’ll need to refund your buyer from your PayPal account. Click here for instructions on issuing refunds on PayPal.

Your card processing fees will be refunded proportionally and applied to the refund amount. An adjusted transaction fee will be reflected on your bill.

If you cancel your order altogether, you will also see your listing fee credited on your bill.

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Listing items in different currencies

You can list your items in any of our supported checkout currencies.

When listing in a currency other than your bank account’s currency, Etsy converts your Etsy Payments funds to your bank's currency on your behalf.

When a conversion is required, Etsy applies 2.5% to the current market rate. We update our conversion rates hourly.

Sellers are encouraged to list in the currency of their bank account. This is because buyers complete the entire checkout process in their preferred shopping currency.

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