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Your money

What happens to your money.

Brand doors handle real payments. You rest a price for a brand's store credit, and your card is charged once, only if the brand meets it. This page shows where your money is at each step, who decides, and the limits that apply. A short section at the end covers your data: the door is public, your orders are private.

How we handle your money

The rules for how payments work. They're built into the product rather than written in a policy.

Nothing is charged until you get what you paid for
Saving a card isn't a charge, and neither is resting an order. You're charged only when your price clears. Trying costs nothing.
Never more than the amount you approved
The amount you set is the maximum. There's no way for the system to charge more than that.
The money is held until delivery
The brand is paid only after your credit arrives. If that doesn't happen, you get a full refund and we cover the fee.
An order that never clears costs nothing
If no brand meets your price, your card is never charged. There's nothing on your statement and nothing to refund.
Terms are part of your order
Your credit order binds to the standard credit terms — no fees, at least 5 years, partial use. If a brand offers anything less, we ask you first; a re-confirm we don't hear back on never charges.
Your card details stay with Stripe
Card details go from your browser straight to Stripe. We keep a token, the card brand, and the last four digits — never the full number. Every charge and refund happens at Stripe.

Where your money is at each step

Follow your order step by step. Your money is only ever in one of three places: on your card, held by Stripe, or paid out. Each step shows which one, what you see, and what the brand sees.

The door you are ordering from
Acme Inc.
Store credit · buyers are never named
Resting
Order book · demand depth
30% off1 order
25% off3 orders
20% off6 orders
20% off · $80 for $100 in credit
placed Apr 8 · one of 6 at this price · no buyer shown
You are funding $100 of store credit · $80
Where your money is, step by step
On your cardnothing charged
Held by Stripecharged, not paid out
Paid outreleased after delivery

These steps are the code, not a description of it. Every step names a state in the product's real transition tables, and a test asserts the two match — so what you see here can't drift from what actually happens to your money.

Who decides

Some payments depend on a judgment call: did your credit arrive, on the terms you ordered? Here's who makes that call and what rules they follow.

The rules are written down
Your order binds to the standard credit terms: no fees, at least 5 years, partial use. Whether your credit counts as delivered is judged against those terms, and both sides read the same text.
The paid side doesn't judge its own delivery
The brand is paid only after delivery is confirmed. Delivery is checked against your order's terms rather than taken on the brand's word.
Disputes go to a person
If you flag a problem with your credit, a person reviews it against those same terms. Not a model, and not the brand.
Every decision comes with a reason
Both sides see the same written explanation of what was decided and why.

Limits & statements

Spending limits, how long an order can stand, and what shows up on your card statement.

Daily limits
Every account has a daily cap on how much it can move. Most people never reach it. It's there so a card can't be drained in a single day.
How long an order can stand
An order can't sit forever. It stands for the window you chose when you placed it, and then it lapses. There is no hold on your card in the meantime and nothing reserved against your credit line, so a lapsed order leaves nothing to release.
What your statement says
One line, one charge. Credit at one brand settles under that brand, so $80 of Acme Inc. credit shows up as Acme Inc. A brand-auction charge shows DoorChannel.
Can DoorChannel spend the money it's holding?held at Stripe
No. Before your condition is met there's nothing to hold — your card hasn't been charged. Once it is charged, the money stays at Stripe until delivery is confirmed, and it can only go two ways from there: released to the other side, or refunded to you. Charges and refunds all happen at Stripe, never out of our bank account.
What if the brand never sends my credit?auto-refund
You get a full refund automatically, and we cover the fee. The brand is paid only after your credit is delivered, never before.
What will my statement say?statement
It depends on the door. Credit at one brand settles under that brand, so $80 of Acme Inc. credit shows up as Acme Inc. A brand-auction charge shows DoorChannel. An order that never clears appears nowhere at all.
Your data

What's public, what's private.

A brand's door shows an order book. The book is public. The people in it are not.

The order bookPublic
Anyone can open a brand's door and see how much demand rests at each discount, and how many orders make it up. Totals only.
Your individual order
Your price and amount are folded into those totals. No one can pick your order out of the book. The brand sees totals, never who is in the book.
Your name and email
Never shown on the door and never given to the brand.
Your card
Card details go from your browser straight to Stripe. We keep a token, the card brand, and the last four digits, never the full number.

You can export or delete your data at any time. Deleting removes it for real.

Nothing is charged until a brand meets your price.
Brands see totals, never who is in the book.
Your name is never shown, and your data is never sold.
What's your number?