Fees (locked)
| Action | Charge | Who pays |
|---|---|---|
| Gift points to another user | 0.55% | Sender, on top — recipient gets full amount |
| Withdraw earnings | 5% total | From withdrawal; Paystack cost inside it, remainder is Cottlink commission |
| Buy / deposit points | Paystack fee deducted | User: credited points = amount paid minus the actual Paystack fee (shown at checkout) |
| Spend / split at a partner | Normal sites 3% · High-risk sites 8% | Taken off the spend before the split. Earnings held 3 days; high-risk also keeps 10% per transaction for 180 days |
| Chargeback (reversed payment) | USD 15 fixed | Partner/creator that received the payment |
For website owners
Link users once from your backend, then balance, Upgrade Plan, gifting and withdrawals just work. See the demo shop →
Developers
See README.md — link/blend, checkouts, transfer, payouts, admin earnings, webhooks, sandbox.