Payments Guide

Vidivo uses per-minute billing with a time-window model. This guide explains how payments work for both hosts (earning money) and guests (paying for calls).

For Guests: How You Are Charged

Before the Call

When you join a call via a link, you enter your credit card details using Stripe Elements. Your card information goes directly to Stripe --- Vidivo never sees your raw card number.

Before the call starts, a hold (pre-authorization) is placed on your card for the first billing window. This is not a charge --- it reserves funds to confirm your card is valid.

During the Call

What Happens	When
Hold placed for Window 1	Before the call starts
Hold placed for Window 2	60 seconds before Window 1 ends
Window 1 captured (charged)	At the end of Window 1
Pattern repeats for each window	Every window_size minutes

When the Call Ends

When either party ends the call:

1. The partial final window is charged: time used (rounded up to the nearest minute) multiplied by the per-minute rate
2. All remaining holds are released immediately
3. An invoice is generated and emailed to you (if you provided an email)

Example

Host charges $2.00/min with a 10-minute window.

You speak for 7 minutes and 30 seconds:

• Hold placed: $20.00 (10 min x $2.00)
• Call ends at 7.5 minutes
• Captured: $16.00 (8 minutes rounded up x $2.00)
• Released: $4.00 (remaining hold)
• You pay $16.00

Accepted Payment Methods

• Visa, Mastercard, American Express, Discover
• Debit cards with Visa/Mastercard logo
• Most international cards supported

Tip

You will never be charged more than the hold amount shown before the call starts. If you hang up early, unused holds are released to your card immediately.

For Hosts: How You Earn

Setting Your Rate

As a host, you configure two billing settings:

1. Per-minute rate --- how much guests pay per minute (e.g., $2.00/min)
2. Window size --- the billing window in minutes (e.g., 10 minutes)

These are set during host onboarding or in your call link settings.

Platform Fee

Vidivo deducts a 7% platform fee from each captured payment.

Example: Guest pays $20.00 for a 10-minute call:

• Platform fee: $20.00 x 7% = $1.40
• Your earnings: $20.00 - $1.40 = $18.60

Viewing Earnings

Your earnings are visible in several places:

• Dashboard --- total earnings summary and recent calls
• Earnings page --- detailed earnings with date filtering
• Earnings chart --- visual graph of daily earnings (7d, 30d, or 90d)

Data Export

You can export your payment and payout history in three formats:

• CSV --- for spreadsheets and accounting software
• XLSX --- for Microsoft Excel
• PDF --- for printing and records

Exports support date range and status filtering.

Payouts

1. Add your bank account

   Navigate to Settings -> Payments and add your bank account details. Vidivo uses Stripe to securely handle your banking information.

2. Connect your Stripe account

   Complete the Stripe onboarding flow to verify your identity and link your bank account. This is a one-time process.

3. Request a payout

   From your Earnings page, click Request Payout and enter the amount you want to withdraw.

4. Receive your funds

   Payouts are processed via Stripe and typically arrive in your bank account within 2 business days.

Payout Status

Status	Description
pending	Payout request submitted, processing
completed	Funds sent to your bank account
failed	Payout failed (you will be notified)

Note

If a payout fails, the amount is returned to your Vidivo balance. Common reasons for failure include incorrect bank details or account restrictions. You will receive both an in-app notification and an email if a payout fails.

Invoices

An invoice PDF is automatically generated for every captured payment. Invoices include:

• Invoice number and date
• Payer and host details
• Session details (date, duration, rate)
• Amount charged and platform fee breakdown
• Tax information (if applicable)

Invoices are available for download from your payment history. Each invoice is stored securely in Cloudflare R2 and accessible via a presigned URL (valid for 1 hour).

Receipts

Guests receive an email receipt after each call that includes:

• Call summary (duration, host, amount)
• A link to download the invoice PDF
• A reference number for support inquiries

Tax Considerations

As a host, you are responsible for reporting your earnings to the relevant tax authority. Keep your payment history records for tax purposes. You can export your full payment history at any time.

For US-based hosts, Stripe issues Form 1099-K for qualifying accounts. Consult a tax professional for guidance specific to your situation.

Refunds

If you need a refund, contact the host directly or submit a support ticket. Refunds are processed by Vidivo administrators and returned to the original payment method. Refund processing typically takes 5—10 business days depending on your bank.

Security

• Card data never touches Vidivo servers --- all payment processing happens through Stripe Elements
• Stripe webhook signatures are verified on every event to prevent spoofing
• Idempotency keys are used on all payment mutations to prevent duplicate charges
• PCI DSS compliance is handled entirely by Stripe