Commission on online payments
What this is about
Section titled “What this is about”On plans with Stripe Connect enabled, BUKMI collects a service commission on every guest payment that goes through Stripe Checkout. This article explains what is charged, when, and how it is invoiced.
If you only want to understand the platform subscription (not guest payment commissions), start with Billing and subscriptions.
Who this applies to
Section titled “Who this applies to”The commission is only collected where a business accepts online payments from guests:
- Pro - plan with Stripe Connect enabled; commission: 1.5% + VAT of the gross guest payment.
- Free / Starter / Growth - do not accept online payments, so there is no commission.
- Enterprise - custom rate agreed in the contract.
The current pricing and rate are always visible in the business panel (Subscription → Compare plans). Those screens are the source of truth, not this article.
What is actually charged
Section titled “What is actually charged”The commission is calculated from the full gross amount the guest pays - the same amount shown on Stripe Checkout (including any coupon that reduced the price).
Commission is not charged on:
- visits marked Free,
- Pay on site visits (cash/terminal at the venue) - Stripe never sees those,
- the refunded portion of payments that are later refunded (see Refunds below).
How the guest sees it vs. how you see it
Section titled “How the guest sees it vs. how you see it”For the guest, nothing changes - they pay exactly the amount shown on the booking summary. The commission is never added on top and does not raise the service price.
For the business, Stripe automatically withholds the commission during the transfer:
- Guest pays the full amount with a card.
- Stripe transfers to your Connect account the amount minus the platform commission and Stripe processor fees.
- BUKMI receives the commission directly to the platform account - there is no per-transaction invoice.
- At the end of the month you receive from BUKMI one consolidated invoice covering all accrued commissions for that period.
Worked example (Pro plan)
Section titled “Worked example (Pro plan)”Assume a visit for 200.00 PLN gross, rate 1.5% + VAT:
| Line item | Amount |
|---|---|
| Guest payment (gross) | 200.00 PLN |
| Platform commission, net (1.5%) | 3.00 PLN |
| VAT on commission (23%) | 0.69 PLN |
| Platform commission, gross | 3.69 PLN |
| Stripe processor fees | ~3.00 PLN |
| Lands in your Connect account | ~193.31 PLN |
Stripe fees are approximate - they depend on your Stripe account, currency and card type. Exact values are available in your Stripe dashboard.
Commission invoice
Section titled “Commission invoice”Once a month BUKMI issues one consolidated invoice summarising all commissions accrued during that billing period:
- Issue date - start of the month following the billing month (Europe/Warsaw timezone).
- Channel - in Poland the invoice is filed to KSeF; a PDF copy is available in the Billing panel of the business.
- Buyer details - taken from the business settings (tax ID, name, address). Keep them current or the invoice may be issued with wrong data.
- Tax base - the sum of net commissions from all guest payments in a given month; VAT 23% is added under Polish VAT rules.
The subscription invoice (Pro plan - 49.99 PLN/month) is separate and issued by Stripe Billing, same as before.
Refunds and rebooking
Section titled “Refunds and rebooking”- Full refund - we reverse the entire commission for that payment (it appears as a negative line on the consolidated invoice for the month in which the refund was issued).
- Partial refund - commission is reduced proportionally to the refunded amount.
- Reschedule - if the original payment is untouched, the commission is unchanged; if you issue the guest a new payment, a new commission is charged on it.
- Chargeback / card dispute - for a full reversal we also refund the commission; Stripe dispute fees are a separate cost on your side.
Refunds are issued the same way as before - from the booking panel or directly in Stripe. Our system picks them up via Stripe webhooks and adjusts the accrued commission automatically.
What happens on plan changes
Section titled “What happens on plan changes”- Upgrade to Pro - commission starts on the first guest payment after Pro is active. Payments collected earlier on a lower plan (if any) are not charged retroactively.
- Downgrade from Pro - if you disable Stripe Connect or drop below Pro, new Stripe Checkout payments are blocked. Commissions already accrued up to the plan change are still settled in the regular monthly invoice.
- Changing subscription billing interval (monthly/yearly) has no effect on commissions - they are always settled monthly.
Common questions
Section titled “Common questions”Why don’t you add the commission on top of the guest price?
Section titled “Why don’t you add the commission on top of the guest price?”Because it hurts conversion and looks unprofessional. The commission is a cost of doing business, like Stripe fees or VAT.
Does the commission include Stripe fees?
Section titled “Does the commission include Stripe fees?”No. Stripe processor fees are an independent cost charged by Stripe directly on your Connect account. The 1.5% + VAT is a separate platform fee to BUKMI.
Is commission calculated before or after a coupon?
Section titled “Is commission calculated before or after a coupon?”After the coupon - i.e. from the amount the guest actually paid (gross on Stripe Checkout).
Will I get an invoice per transaction?
Section titled “Will I get an invoice per transaction?”No. One consolidated invoice per month - easier bookkeeping and fewer documents to handle.
How can I see how much commission has accrued this month?
Section titled “How can I see how much commission has accrued this month?”The Billing panel on the business shows a running monthly total; Stripe’s dashboard also shows Platform fees broken down per transaction.