Mirlo

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How payouts work on Mirlo ​

Overview ​

Mirlo uses Stripe Connect to handle all payment processing and artist payouts. When someone purchases from your music or merch, Stripe processes the payment and automatically manages the payout to your bank account on your configured schedule (typically daily or weekly). Mirlo never handles money directly—we're the platform facilitating the transaction.

Getting Started with Payouts ​

1. Create a Stripe Connected Account ​

To receive payments, you first need to set up a Stripe Connected Account:

  1. Log in to Mirlo
  2. Use the menu to navigate to Manage artists
  3. Click Set up bank account
  4. You'll be redirected to Stripe's hosted onboarding flow
  5. Complete the signup with:
    • Business/personal information
    • Bank account details for payouts
    • Tax information (varies by country)

Once complete, you'll be redirected back to Mirlo with an active Stripe Connected Account.

2. Set Your Payout Schedule ​

After connecting Stripe, log into your Stripe Dashboard:

  1. Go to Settings → Payouts (in the left sidebar under "Balances")
  2. Set your payout schedule:
    • Daily (default, fastest option)
    • Weekly (e.g., every Monday)
    • Monthly (end of month)
  3. Stripe will transfer your earnings on that schedule, minus their processing fees

Your payout schedule is managed entirely through Stripe—Mirlo respects whatever you set there.

How Money Flows ​

Payment Journey: Customer → Artist ​

When someone buys your album, track, or merchandise:

Customer makes purchase
         ↓
Stripe processes payment (2.9% + $0.30 fee) ← Stripe's cut
         ↓
Mirlo platform takes commission (you get to set this, but the default is 10%)
         ↓
Your balance = Sale price - Stripe fee - Platform commission
         ↓
Automatic payout to your bank account on your scheduled day

Example: $10 Album Sale ​

ItemAmount
Sale Price$10.00
Stripe Processing (2.9% + $0.30)-$0.59
Mirlo Platform Fee (10%)-$1.00
Your Payout$8.41

Fee Structure ​

Platform Commission ​

  • Default: 10% of the sale price
  • Your custom rate: Artists can override the platform fee at:
    • Global level (applies to everything)
    • Per-item level (e.g., 7% for subscriptions, 10% for albums)
    • Per-tier level (e.g., different rates for different price tiers)

Stripe Processing Fees ​

Stripe charges for payment processing:

  • Standard credit/debit cards: 2.9% + $0.30
  • Digital wallets (Apple Pay, Google Pay): Same as cards
  • Regional methods (varies by country): Handled by Stripe

Important: Stripe's fee comes out of the customer's payment, reducing your revenue.

Regional Discounts ​

Some regions have special platform fee rates. This is because they don't allow platforms to take a fee on transactions. We don't super mind.

  • Brazil (BRL) and Mexico (MXN): 0% Mirlo platform fee

What Can You Sell and Get Paid For? ​

Payouts are triggered by:

  • Album/Track Sales - When someone purchases your music
  • Subscriptions - Monthly recurring payments from subscribers
  • Merchandise - Physical merch sales
  • Tips/Gifts - Direct fan support
  • Fundraisers - Pledge payments (for fundraiser campaigns)

All of these create transactions that contribute to your payout balance.

Tracking Your Earnings ​

Real-Time Dashboard ​

Visit Sales in your Mirlo artist dashboard to see:

  • Transaction history with dates and amounts
  • Fee breakdown (Mirlo commission + Stripe fees)
  • Filters by date range, specific albums/tracks, or artists
  • CSV export for accounting/bookkeeping

Monthly Income Report ​

Mirlo sends automated monthly emails summarizing:

  • Total transactions
  • Platform and Stripe fees deducted
  • Net amount owed to you

This is informational—your actual payout is handled by Stripe. They can also be a little flake-y so if you didn't get yours, let us know.

Stripe Dashboard ​

For even more detail, log into your Stripe Dashboard to see:

  • Payment processing details
  • Payout history and schedule
  • Disputes or failed charges
  • Account balance

When Do You Get Paid? ​

Payment Receipt Timeline ​

  1. Customer purchases → Transaction appears in Mirlo dashboard immediately
  2. Stripe processes → Payment processes (typically within seconds, secured after 3-5 days)
  3. Fees deducted → Platform and Stripe fees are automatically calculated and reserved
  4. Payout scheduled → Your configured payout date (daily/weekly/monthly)
  5. Deposit arrives → Funds transfer to your bank account (typically 1-2 business days)

Note: Stripe typically holds funds for 3-5 days before releasing them for payout. You can see your current balance in the Stripe Dashboard.

Payment Methods Accepted ​

From Customers (What Mirlo Accepts) ​

Sellers on our platform can customize what types of payment methods they accept. Some cary more risk than others, refer to your Stripe dashboard for more details.

Customers can pay with:

  • Credit cards (Visa, Mastercard, American Express)
  • Debit cards
  • Digital wallets (Apple Pay, Google Pay)
  • Bank transfer methods (varies by country via Stripe)
  • Regional payment methods (70+ countries supported)

To Artists (How You Receive Money) ​

Stripe supports payouts to:

  • Bank accounts (primary) - Direct deposit to savings/checking
  • Debit cards - Where supported by Stripe
  • 195+ countries - Stripe covers most countries worldwide

Check Stripe's country support to verify your location.

Account Setup & Requirements ​

To accept payments on Mirlo, Stripe requires:

  • Personal/business information - Name, address, DOB (for legal compliance)
  • Bank account details - For payouts (must be in account holder's name)
  • Tax information - Varies by country (US requires SSN/EIN, EU requires VAT, etc.)
  • Business type - Individual, sole proprietor, or company
  • Agree to Stripe's terms - Required for account activation

Stripe verifies this information, which typically takes less than 1 business day.

Troubleshooting & Common Questions ​

Why isn't my payout appearing? ​

  1. Check your bank account - Payouts take 1-2 business days
  2. Verify your schedule - Log into Stripe and confirm your payout schedule
  3. Check minimum balance - Stripe won't payout if your balance is below their minimum (usually $0.01, but verify)
  4. Contact Stripe support - If funds disappeared, Stripe's dashboard shows detailed history

Can I change my payout method? ​

Yes, within Stripe:

  1. Go to Settings → Payouts in your Stripe Dashboard
  2. Add a new bank account or debit card
  3. Stripe will verify the new method (takes 1-2 business days)

Can I dispute a platform fee? ​

The platform fee is set by you (artist) or the default. If you believe it's incorrect:

  1. Check your actual fee setting in Mirlo artist settings
  2. You can change your platform fee anytime for future sales
  3. Past fees cannot be disputed retroactively (they're part of the sale terms)

What if I don't have a Stripe account? ​

You won't be able to receive payments on Mirlo until you connect Stripe. Create an account at stripe.com with your email, then connect it through Mirlo.

We are actively changing our code to accomodate other payout providers like PayPal and Taler, but this takes time.

Can I use Stripe in my country? ​

Check Stripe's supported countries and Stripe's payout countries. A lot of countries are supported, but some have restrictions based on business type or currency.