Does systeme.io take a cut of my sales?

What systeme.io charges on a sale

Nothing, and its pricing page says so twice.

In the list of what every plan includes: no transaction fees, and payments accepted through Stripe or PayPal at no extra cost. In the pricing questions underneath: all plans include unlimited email sends, 0% transaction fees and the same set of core tools.

The free plan is not an exception. It is one of the plans, on the same 0%, which is why a beginner can take real money on a plan that costs nothing.

What you pay anyway, and to whom

The payment processor. What it charges is set by Stripe or PayPal, and systeme.io publishes no figure for it.

Those two links go to each company's own fee page rather than to a number printed here. Both price by country and by account type, so a single rate would be wrong for most readers.

systeme.io's own documentation points at them for the numbers. Its guide to Stripe Radar says fees vary by account and location, that basic fraud protection is covered by Stripe's standard pricing while advanced features can cost more, and that the accurate figure sits on Stripe's official pricing page.

So the honest version of the answer is that systeme.io's own figure is 0%, and the processor's figure is on the processor's own page.

Where the money sits

In your payment gateway balance, not inside systeme.io. That surfaces in an ordinary place: refunding a customer from the systeme.io transactions screen depends on having enough funds in your gateway balance to cover the refund.

The refund itself is short: Sales, then Transactions, then the three dots on the row, then Refund, then confirm. It is all or nothing, because systeme.io states that partial refunds are not currently supported.

systeme.io moves the instructions. Stripe or PayPal holds the money.

Why this question keeps coming up

Two separate charges get folded into one worry: what the platform takes for hosting the checkout, and what the processor takes for moving the money.

They come from different companies and only one of them is systeme.io's to set. systeme.io publishes its own figure as 0% and sends you to Stripe for the other.