The following terms (these “Payment Terms”) govern payments you make or receive in connection with the services offered on or through www.merchpocket.com operated by Merch Pocket

Merch Pocket with respect to payments from the U.S. and with respect to payments from outside the U.S. Merch Pocket, is collectively referred hereto as “Merch Pocket” “we” or “us”.

Please read these Payment Terms carefully before making or receiving payments for the services on or through the Site. By making or receiving payments for the services offered on or through the Site, you accept and agree, on behalf of yourself or on behalf of your employer or any other entity (if applicable), to be bound and abide by these Payment Terms. These Terms are supplemental to Merch Pocket’s General Terms of Service.

1. Key Terms

Capitalized terms used but not defined herein shall have the respective meanings given to them in the Terms of Service.  

Merch Pocket Balance is the aggregated amount of your Earnings as a Seller and/or returned payments from canceled Orders (or canceled Weekly Report) as a Buyer.

Payment Services Provider(s) are service providers that provide payment services to Buyers and Sellers in connection with the Site. These services include the collection of funds from Buyers in connection with purchases, remittance and withdrawal of funds to and from Sellers, currency exchange services in connection with payments and withdrawals in local currencies, and the holding of Merch Pocket Balance funds.

Earnings is the money that Sellers earn on Merch Pocket and can either be withdrawn or used to purchase services through the Site, subject to these Terms. 

2. Receiving Payments

2.1 General

• As a Seller, each Order you sell and successfully complete, credits your account with Earnings equal to 80% of the purchase amount.
• As a Seller, each Logo Design you sell credits your account with Earnings which will be calculated according to a tier-based earning model. Regardless of the package type that was purchased, each tier will earn a fixed percentage of every sale— the lowest tier earning the smallest percentage (20%) and the highest earning the largest (50%). Each tier represents the earning percentage you can make for every sale. Tiers are based on your overall sales for the last 12 months. Your tier will be recalculated on a monthly basis, on the first day of each month. To learn more, click here.
• Merch Pocket credits Sellers once an Order, is completed. See the “Orders” section in the Terms of Service for more information.
• If an Order, is canceled (for any reason), the funds paid will be returned to the Buyer’s Merch Pocket Balance.
• Sellers are responsible for paying any direct or indirect taxes, including any GST, VAT or income tax, which may apply to them depending on residency, location or otherwise, under provisions of their jurisdiction. Sellers represent and warrant that they comply, and will comply at all times, with their obligations under income tax provisions in their jurisdiction. The price shown on the Gig Page, or otherwise agreed between Seller and Buyer, is inclusive of all such taxes and charges that may apply to the Sellers.
• Appointment as Limited Payment Collection Agent: Payment Service Providers facilitate payments to Sellers. In the event Merch Pocket receives any funds, Seller agrees that Merch Pocket does so as its agent. Seller hereby appoints Merch Pocket as Seller’s limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Buyer, and remitting those payments to Seller. Seller agrees that payment from Buyer to Merch Pocket shall be considered the same as a made directly to Seller. Buyer’s payment obligation to Seller will be satisfied upon receipt of payment by Merch Pocket via its Payment Services Providers, and Merch Pocket via its Payment Services Providers, is responsible for remitting the funds to Seller in the manner described in these Payment Terms. In the event that Merch Pocket, (via its Payment Services Providers), does not remit any such amounts to Seller, the Seller will have recourse only against Merch Pocket and not the Buyer directly. Seller agrees that Merch Pocket may describe or otherwise reflect the terms contained herein in any terms of service, receipts, disclosures, or notices including, but not limited to, receipts provided to Buyers that Merch Pocket may deem necessary or prudent.
• Merch Pocket is not a Payment Services Provider. Merch Pocket partners with Payment Services Providers for purposes of collecting payments from Buyers, transferring such payments from Buyers to Sellers, and holding funds in connection with Merch Pocket Balances. None of the above payment services are performed by Merch Pocket itself. In addition, all payments services in connection with the withdrawal of funds on the Site are performed by Merch Pocket’s Payment Services Providers and not by Merch Pocket itself. As a Seller, you agree to be bound by any additional terms and conditions provided by a Payment Services Provider, as such terms may be modified by the Payment Services Provider from time to time.

2.2 Withdrawing Earnings

• Sellers may withdraw their Earnings using one of Merch Pocket’s withdrawal options (see Withdrawal Method section below regarding withdrawal fees). To withdraw your available Earnings, you must click on the designated withdrawal provider to initiate the withdrawal process.
• To withdraw your Earnings, you must have an account with at least one of Merch Pocket’s Payment Service Providers for the withdrawal methods listed in section 2.3 below. All funds eligible for Withdrawal will be held on your behalf at an account with Merch Pocket’s Payment Services Provider with which you opened an account. All payment services, including withdrawal services, will be provided by Merch Pocket’s Payment Services Provider and not by Merch Pocket itself.
• Your Merch Pocket profile can be associated with only one account from each Merch Pocket withdrawal method. A Payment Service Provider withdrawal account can be associated with only one Merch Pocket profile.
• Earnings are only made available for withdrawal from the Earnings page following a safety clearance period of 14 days after the Order is marked as complete. Top Rated Sellers are eligible to withdraw Earnings following a safety clearance period of 7 days after the Order is marked as complete.
• Merch Pocket may temporarily disable a Seller’s ability to withdraw Earnings where Merch Pocket determines, in its sole discretion, that such action is reasonable in order to comply with legal requirements, prevent fraud, or protect the rights or interests of Merch Pocket or any third party. While not an exhaustive list, this suspension may be a result of security issues, improper behavior reported by other users, or associating multiple Merch Pocket accounts to a single withdrawal provider. 
• Withdrawals can only be made in the amount available to you.
• Withdrawal fees vary depending on the withdrawal method and are defined by the Payment Service Providers.
• Withdrawals are final and cannot be undone. We will not be able to cancel or reverse this process once it has begun. 
• Sellers will be able to withdraw their Earnings from disabled accounts after a safety period of 90 days following full verification of ownership of the account in question, from the day of the last cleared payment received in their account and subject to Merch Pocket’s approval.

2.3 Withdrawal Methods

Below are the applicable withdrawal methods and withdrawal fees as charged by the Payment Services Providers you chose to open an account with, as applicable: 

• PayPal
• Razorpay
• Direct Bank Transfer

* The Payment Services Provider that you chose (PayPal or Razorpay) may apply additional fees based on your location and currency.

3. Purchasing 

3.1 General 

• Buyers pay Merch Pocket to create an Order from a Seller’s Gig Page or Custom Offer. 
• Merch Pocket is not a Payment Service Provider. Merch Pocket partners with Payment Services Providers for the purpose of collecting all payments from Buyers, transferring such payments from Buyers to Sellers, and holding funds in connection with Merch Pocket Balances. All payment services in connection with the collection of funds on the Site are performed by Merch Pocket’s Payment Services Providers and not by Merch Pocket .
• Merch Pocket serves as Seller’s limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Buyer, and remitting those payments to Seller. Buyer’s payment obligation to Seller will be satisfied upon receipt of payment by Merch Pocket via its Payment Services Providers and Merch Pocket via its Payment Service Providers is responsible for remitting the funds to the Seller in the manner described in these Payment Terms. In the event that Merch Pocket via Payment Services Providers does not remit any such amounts to Seller, the Seller will have recourse only against Merch Pocket and not the Buyer directly. In accepting liability as the limited authorized payment collection agent of Seller, Merch Pocket and its affiliates assume no liability for any acts or omissions of Seller.
• In most locations, purchases on Merch Pocket can be made by using one of the following payment methods: Credit Card, PayPal, Razorpay or existing Merch Pocket Balance. Additional payment methods may apply in certain locations. More information on available payment methods is available here.
• Service fees on Merch Pocket cover administrative costs.
• Service fees are added at the time of purchase where you can review and accept the total amount requested to pay. As of September 2025, the service fees for Gigs are 5.5% of the purchase amount. For purchases under US$200 an additional US$3.5 small order fee will be applied.
• In case you, as a Buyer, have an available Merch Pocket Balance, it will be automatically used to pay for your next purchase.
• You may not offer Sellers to pay, or make payment using any method other than through the Site. In case you have been asked to use an alternative payment method, please report it immediately to Customer Support here.
• You agree to receive invoices and/or payment receipts from Merch Pocket in electronic form as PDF documents, by email or through the Site.
• To protect against fraud, unauthorized transactions (such as money laundering), claims, or other liabilities, payment information in connection with withdrawals is collected by either Merch Pocket or Merch Pocket’s Payment Services Providers. Payment Services Providers may also collect such other information as necessary for the purpose of processing withdrawal payments. Payment information provided to Payment Services Providers is subject to the Payment Service Provider’s privacy policy and their terms and conditions.
• By using any payment method and/or providing payment details for making purchases on Merch Pocket, you represent and warrant that: (a) you are legally authorized to provide such information; (b) you are legally authorized or have permission to make payments using the payment method(s); (c) if you are an employee or agent of a company or person that owns the payment method, you are authorized by that company or person to use the payment method to make payments on Merch Pocket; and (d) such actions do not violate any applicable law.

3.2 Purchasing of Logo Design Gig

• You can also purchase redesign services from the Seller who created the Logo Design. The price of such redesign services is determined by the Seller and a service fee will be charged solely for the additional redesign services. For cancellations of logo redesign services, please refer to the “Disputes and Cancellations” section below. 

3.3 Local Currencies 

• You can pay for the services offered on or through the Site and other Orders in several different currencies. For your convenience, prices will be rounded up to the closest number. At checkout, you will see the accurate amount to be paid. Unless stated otherwise, you will be charged in the currency displayed on the payment page. All currency exchange services in connection with payments in local currencies are performed by Merch Pocket’s Payment Services Providers and not Merch Pocket itself. In certain cases, however, when certain currencies are not supported by certain payment methods, you will be charged in US$ even if the price is displayed in another currency. In any event, the actual charged amount (in the actual payment currency) will be clearly disclosed to you before you complete the payment. 
• Note that all prices displayed on Merch Pocket are derived always from their original US$ price and, therefore, non-US$ currency prices may change daily in accordance with exchange rate fluctuations and may also include conversion fees. Buyers always have the option to pay in US$ by changing their currency.
• If you paid for an Order, in a currency other than US$ and your Order was later canceled for any reason, the amount returned to your Merch Pocket Balance would be based on the exchange rate as of the date of cancellation. Therefore, the returned amount may vary from the paid amount in local currency terms, while always maintaining the same US$ value. 
• Your Merch Pocket Balance is always valued in US$, even if it is displayed in a non-US$ currency. Therefore, should you choose to view your Merch Pocket Balance in any currency other than US$, it may change daily in accordance with exchange rate fluctuations, while always maintaining the same US$ value. Users always have the option to view their Merch Pocket Balance in US$ by changing their selected displayed currency.

3.4 Merch Pocket Credits

In certain instances, Merch Pocket may offer you credits (“Merch Pocket Credits” or “Credits”), either for promotional purposes or otherwise, to be used for purchasing Services offered on the Site. Your available Credit balance will appear in your account. Your valid Merch Pocket Credits will be automatically applied to your next purchase and can be viewed in your Order summary after you place the Order. Unless stated otherwise, Merch Pocket Credits expire following three months from their receipt. Merch Pocket Credits serve only as an incentive to use Merch Pocket, and, therefore, are not redeemable for cash or anything of value except as made available by Merch Pocket under this section, have no monetary value and are non refundable. Once used, Merch Pocket Credits may not be returned to your account even if your Order or Weekly Report gets canceled. Merch Pocket Credits may be subject to additional conditions and restrictions as will be disclosed to You upon receipt of the Credits. Credits may be voided in the event of fraud, misuse, or violation of these Terms. Merch Pocket reserves the right to modify or cancel the Merch Pocket Credits program at any time. If you or Merch Pocket deactivate or suspend your Merch Pocket account, any unused Merch Pocket Credits in your account will be forfeited.

3.5 Promo Codes

From time to time we may offer you promo codes for purchasing Gigs and/or other services offered on the Site, on special discounts. Promo Codes are valid only for purchases on Merch Pocket and are subject to different time limitations and will expire after their predefined term. Promo codes have no monetary value. To exercise your promo code, simply enter the code on the checkout page. If you fail to do so, your purchase will not be eligible for the discount. Promo codes are limited to one use per user and may not be used or combined with any other promotion. For Orders that are composed of one or more milestones, the promo code will apply to the first milestone only. Promo Codes do not apply to Merch Pocket Credits. Promo Codes may be subject to additional conditions and restrictions as will be disclosed to you upon receipt of the promo codes. Promo codes may be voided in the event of fraud, misuse, or violation of the Terms of Service. Merch Pocket reserves the right to modify or cancel promo codes at any time.

 4. Taxes

• Merch Pocket may be required by applicable laws to charge users with indirect taxes (such as Sales Tax, VAT or GST) or to withhold taxes. Any amount Merch Pocket will be required to collect will be in addition to the purchase amount and any other fees payable by the Buyer, and any amount Merch Pocket will be required to withhold will be deducted from the Seller’s Earnings, as required by applicable laws. 
• Indirect taxes are in addition to the price shown on the Site, and in any event, any such taxes will always be displayed to the Buyer before payment.
• Users are responsible for paying any direct or indirect taxes, including any GST, VAT, or income tax, which may apply to them depending on residency, location or otherwise, under provisions of their jurisdiction. 

5. Disputes and Cancellations

We encourage our Buyers and Sellers to try and settle conflicts amongst themselves. If for any reason this fails after using the Resolution Center or if you encounter non-permitted usage on the Site, users can contact Merch Pocket’s Customer Support department for assistance here.

5.1 Basics

• Order cancellations can be performed on Merch Pocket, when eligible, by Merch Pocket (via Customer Support or otherwise) or through the Resolution Center. 
• Filing a transaction dispute or reversing a payment through your payment provider or your bank, after an Order  is accepted and delivered, is a violation of these Payment Terms. Doing so may get your account temporarily or permanently disabled. Note: Once you have filed a dispute with your payment provider, the funds will be ineligible for a refund due to our obligations towards the payment provider.
• In the event that you encounter an issue related to Services, you are encouraged to use the Site’s dispute resolution tools to attempt to resolve the matter.
• Merch Pocket, through its Payment Services Provider, reserves the right to cancel Orders or place funds on hold for any suspected violation of the law, the Terms of Service, or fraudulent transactions made on the Site.
• All transfer and assignment of intellectual property to the Buyer shall be subject to full payment by the Buyer. The Buyer will not be allowed to use the delivery if payment is canceled for any reason.
• If an Order is cancelled (for any reason), the funds paid will be returned to the Buyer’s Merch Pocket Balance.
• Revisions to deliveries can be performed by Sellers based on the Seller’s Gig and customer care. Sellers may determine the amount of revisions they wish to offer, including no revisions.
• Requests for revisions can be performed through the Order Page while the Order is marked as Delivered.
• Requesting to gain more services from Sellers beyond the agreed requirements by using the Request Revisions button is not allowed.

5.2 Order Cancellations

• Merch Pocket encourages Buyers and Sellers to resolve service disputes mutually using the Resolution Center.
• Eligibility for requests to Merch Pocket to cancel an Order will be assessed by Merch Pocket based on a potential misconduct, violations of our Terms of Service and/or our Community Standards and improper usage of the Merch Pocket delivery system. See below for Order specific eligibility.
• Completed Orders (or, where applicable, completed milestones) may be canceled, upon review of our Customer Support team, based on potential misconduct, violations of our Terms of Service and/or our Community Standards, up to 14 days after the Order (or Milestone) is marked as complete. Please be advised that Orders cannot be partially canceled (i.e. we can only cancel the entire Order when it is justified).
• In rare circumstances where we find it appropriate, our Customer Support team may cancel a completed Order even after 14 days have passed from its completion. In such cases, the amounts paid for the canceled Order will be returned to the Buyer’s Merch Pocket Balance and will be deducted from the Seller’s Merch Pocket Balance or, if there are no sufficient amounts in the Seller’s Merch Pocket Balance, from future Earnings of such Seller. 
• Orders are not eligible to be canceled based on the quality of Service/materials delivered by the Seller if the service was rendered as described in the Gig Page or as agreed between Seller and Buyer. You may rate your experience with the Seller on the Order Page, including the overall level of service quality received.
• You must use Merch Pocket Resolution Center to address your concerns and desired resolution related to the service provided by their Seller prior to contacting Customer Support. Customer Support will not take any action against Orders, where the Buyer has failed to inform their Seller of issues related to the Seller’s Service and will allow Sellers to provide a resolution first. This does not include non-permitted usage of Merch Pocket.
• Any non-permitted usage of Merch Pocket encountered during an Order, after being reviewed by our Customer Support team, may result in the Order being canceled. This includes, but not limited to; harassment, unlawful behavior, or other violations of Merch Pocket’s Terms of Service.
• Merch Pocket will cancel Orders, based on, but not limited to, the following reasons:

Active Orders (after requirements were submitted to the Seller and before the Seller delivers on Merch Pocket):

• The Seller is late and unresponsive for more than 24 hours while the Order is marked as Late.
• Users are abusive towards the other party through threats of low ratings or leveraging Order materials (such as logins, personal information) against each other.
• Users supplied or included copyright/trademark infringing materials as part of their requirements or the Seller’s delivery.
• The user is no longer an active Merch Pocket user due to Terms of Service violations or closure of their account.

Delivered Orders (after the Seller clicks Deliver Now and before the Order is marked as completed): 

• The Seller uses the delivery system to extend the delivery due date to complete the requested service without providing the final delivered service. Note: Multiple reported offenses will result in permanent suspension of your account. 
• The Seller delivers no files and/or proof of work related to the agreed upon Order requirements. Note: Subjectivity of the materials in question will be reviewed by our Customer Support team. 
• The Seller requests additional payments, on or off the Site, by withholding the final delivery of services directly related to the agreed requirements.
• The Seller is withholding the final delivery of services for improved ratings. 
• Users who abuse the Request Revisions button to gain more services from Sellers beyond the agreed requirements. 
• Users who threaten to leave a damaging review to gain more services from the Seller not related to the agreed requirements.

Completed Orders, (after the order is marked as complete and before the 14-day limitation):

• Users who have been reported to use copyright/trademark infringing materials after verification and with proof.
• Users who did not purchase commercial use rights and are reported to have used the materials commercially. Note: Terms of Commercial use are found on the Seller’s Gig Page and cannot be retroactively included once the Order is completed for over 14 days.
• Merch Pocket Customer Support will review cases of Order delivery manipulation that prevents users from fully utilizing our Resolution Center that enabled the Order to be marked as complete.

5.3 Chargebacks 

Merch Pocket reviews cases of payment provider chargebacks and disputes on behalf of Sellers. Although results vary per case due to each chargeback reason, we work hard on resolving disputes in the Seller’s favor. If the chargeback case allows, Merch Pocket via one of its Merch Pocket’s Payment Services Providers will return parts or full Earnings back to Sellers, otherwise the chargeback amount will be borne by the Seller. 

5.4 Refunds

• Merch Pocket does not automatically refund payments made for canceled orders, back to your payment provider. Funds from cancellations are returned to the Buyer’s Merch Pocket Balance and are available for future purchases on Merch Pocket. 
• Refunds from Buyer’s Merch Pocket Balance (i.e. refunds directly to your payment provider) can be requested from the billing page. The refund will be based on your payment method(s), amount and currency. To prevent fraud and abuse, we limit the total amount of times users can request a payment provider refund, which is subject to review by our Customer Support team. Such refunds may be subject to an additional fee.
• Sellers may offer a partial refund with respect to a specific Order or to the Buyer. Upon acceptance by the Buyer of such partial refund, the amount will be automatically refunded to the Buyer‘s payment method. In the event that Merch Pocket, through its Payment Service Providers, will not be able to refund the agreed amount to Buyer’s payment method, such amount will be added to Buyer’s Merch Pocket Balance.

6. General Terms

6.1 Modifications

• Merch Pocket may make changes to these Payment Terms from time to time. When these changes are made, Merch Pocket will make a new copy of the terms available on this page.
• You understand and agree that if you use Merch Pocket after the date on which the Payment Terms have changed, Merch Pocket will treat your use as acceptance of the updated Payment Terms. If you do not agree to the changes of the Terms, you will have to deactivate your account. For more information, see “How to deactivate or permanently delete your account”.
• Merch Pocket may change these Terms due to changes in the Site and in the usual course of developing our product and services, changes in any relevant feature or functionality of the Site, changes in circumstances beyond our reasonable control, to adapt to new technologies, and to address changes in law and regulatory requirements as well as security and fraud issues.