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A campaign payment follows one of two paths. Comfluma holds the creator’s agreed amount with Stripe only when the company and the creator are both in a Stripe payout country. In every other case the company pays Comfluma the platform fee and pays the creator directly, outside Comfluma. The Payment tab of the campaign shows which path applies before anyone pays. On a collaboration, the creator who posted the campaign is the one who funds it. The same two paths apply.

Set your country first

Open your profile and set the country where you are based. Comfluma uses that country, not a guess from your phone number or your bank. Funding stays blocked until the payer has a country. When the payer is in a Stripe payout country, it also stays blocked until every creator on the campaign has one. Use your real country. Choosing another country breaks the payment rules in the Terms.

Which countries use Stripe

A payment is held with Stripe only when both profile countries are in this list: United States, Canada, United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and Liechtenstein. Every other country is paid directly. That includes North Macedonia, Albania, Serbia, Bosnia and Herzegovina, Kosovo, Montenegro, and Iceland. Iceland is in the EEA and is still paid directly. The list is the one Comfluma uses for Stripe cross-border payouts. Stripe can open accounts in more countries than this. Those extra countries are still paid directly on Comfluma. Use this path when both countries are in the list above.
1

Creator sets up payouts

Open Payout account from the account menu and finish Stripe’s identity and bank checks. Do this before the payment is released. The company can fund the campaign before that setup is finished, but Stripe cannot send the money until it is.
2

Company funds the campaign

On the Payment tab, pay with Stripe Checkout. The charge is each creator’s agreed amount plus the platform fee shown on the campaign. The fee is on top. The creator’s agreed amount is not reduced to pay it.
3

The money is released

Stripe sends the creator the full agreed amount when the company approves payment, or on the automatic release date shown on the campaign. That date is 14 days after the work was submitted, once every deliverable still owed is submitted or approved and at least one is still waiting for review.
Use this path when the company, the creator, or both are outside the list. The creator does not create a Stripe payout account. The campaign shows Paid directly.
1

Company pays the fee in Comfluma

On the Payment tab, Stripe Checkout charges only the platform fee for the creators who are paid directly. The agreed amount is not part of that charge.
2

Company pays the creator outside Comfluma

Send the agreed amount the way you both agreed. Comfluma does not hold that money, does not see the bank details, and does not check that the transfer happened.
3

Both confirm it in the campaign

The company chooses Mark as sent. The creator then chooses Confirm received. Those two confirmations are the record. They state what each side says. They are not proof that the money moved.
Direct payments are not released automatically. The amount paid outside Comfluma is not refunded through Stripe.

If something looks wrong

The Payment tab is the place to check the path, the fee, and the amount before paying. A creator who already finished Stripe payout setup must contact support to change their country. Changing it while a payment is still open can leave that payment unable to be sent. The party who paid can ask support to refund the full amount charged through Stripe, including the fee, before any creator has been paid through Comfluma and before any direct payment has been marked as sent. There is no partial refund. After that, Comfluma does not refund the Stripe charge, except where the law requires it. The rules are in the Terms of Service.