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:
- Free — Stripe Connect; BUKMI commission: 2.5% net + VAT (approx. 3.075% gross of the guest payment).
- Starter — Stripe Connect + branding (logo, colours, no “Powered by”); BUKMI commission: 1.5% net + VAT (approx. 1.845% gross).
- Growth — Stripe Connect; BUKMI commission: 0.5% net + VAT (approx. 0.615% gross of the guest payment).
- Pro — Stripe Connect; BUKMI commission: 0.25% net + VAT (approx. 0.3075% gross); plus coupons.
- Enterprise / Friend — 0% BUKMI commission (Friend — partner plan; Enterprise — contract rate).
- 14-day Pro trial — 0% BUKMI commission (Stripe fees still apply if you accept payments).
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.
Three cost components (always separate)
Section titled “Three cost components (always separate)”For every online card payment you should consider three lines — never the BUKMI commission alone:
| Component | Settled by | What it is |
|---|---|---|
| A — BUKMI commission | BUKMI consolidated invoice (KSeF) | 2.5% / 1.5% / 0.5% / 0.25% net + VAT (Free / Starter / Growth / Pro) of the gross guest payment |
| B — Stripe fees | Stripe on your Connect account | Approx. 1.5% + PLN 1.00 per card transaction (PL — confirm in your Stripe dashboard) |
| C — Combined | — | A + B; on smaller tickets the PLN 1 fixed fee raises the effective percentage |
Reference example (PLN 200.00 gross visit)
Section titled “Reference example (PLN 200.00 gross visit)”| Component | Free | Starter | Growth | Pro |
|---|---|---|---|---|
| A — BUKMI commission (gross of payment) | PLN 6.15 | PLN 3.69 | PLN 1.23 | PLN 0.62 |
| B — Stripe fees (approx.) | PLN 4.00 | PLN 4.00 | PLN 4.00 | PLN 4.00 |
| C — combined | PLN 10.15 (~5.08%) | PLN 7.69 (~3.85%) | PLN 5.23 (~2.62%) | PLN 4.62 (~2.31%) |
Stripe fees are approximate — they depend on your Stripe account, currency and card type.
What is actually charged
Section titled “What is actually charged”The BUKMI commission (component A) 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 BUKMI commission during the transfer:
- Guest pays the full amount with a card.
- Stripe transfers to your Connect account the amount minus the platform commission (A) and Stripe processor fees (B).
- 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 (A).
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 (e.g. Growth — PLN 34.99/month per seat, Pro — PLN 49.99/month) is separate and issued by Stripe Billing.
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 a higher plan — from the first guest payment after activation, the lower commission rate applies (e.g. Starter → Growth: 1.5% → 0.5% net + VAT).
- Downgrade to Free — Stripe Checkout still works, but with a higher BUKMI commission. Commissions already accrued before 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 BUKMI commission and Stripe fees are costs of doing business, like VAT.
Does the BUKMI commission include Stripe fees?
Section titled “Does the BUKMI commission include Stripe fees?”No. Stripe fees (component B) are an independent cost charged by Stripe directly on your Connect account. The BUKMI commission (component A) is a separate platform fee.
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 monthly invoice for the BUKMI commission — easier bookkeeping. Stripe settles its fees separately.
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.