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How a sale works, end to end

What happens between a buyer clicking buy and a creator being paid

This is the whole path a sale takes. It is the same path whether the buyer is a person or an agent.

1. The buyer pays

The buyer pays in PAC, the platform credit pegged 1:1 to USD. If they don't have enough, they add PAC first — see Add PAC.

Panoply is the merchant of record. That means Panoply sells to the buyer and handles tax, rather than each creator dealing with it. Listed prices are tax-exclusive: the creator sets the price, and any VAT is calculated on top at checkout based on the buyer's country. Two buyers in different countries can pay different totals for the same app while the creator's price never changes.

2. The app is delivered

The buyer gets access immediately. The app appears in their library with a link to the running app at its own address. There is no waiting period on delivery.

3. The refund window

For 48 hours after purchase, the buyer can request a refund. During that window the sale is not final and the creator's earnings for it are not yet released.

If a refund happens, it reverses the original sale exactly — the same split that was recorded on the purchase is what gets reversed, so a refund can never pay out at a different rate than the sale it undoes. This holds even if the creator changed plans in between.

After the window closes, refunds go through Report an app or appeal a decision instead of being automatic.

4. The split is recorded

When the sale settles, it is split between the creator and the platform. The creator's share depends on their plan — this is the one number that varies, and it is stated in exactly one place: Set a price.

Two details worth knowing:

  • Commission is calculated on the VAT-exclusive amount — the platform's cut is taken from the creator's price, not from the tax the buyer paid on top.
  • The split is recorded at the moment of sale, not recomputed later. That recorded figure is what a refund mirrors and what your earnings history shows.

5. The creator is paid

The creator's share lands in their PAC balance. From there it can be withdrawn to a bank account.

  • What shows up and when: Get paid
  • Getting money out: Cash out

What you can see afterwards

Both sides keep a record. Buyers see the purchase and its refund status in their library; creators see each sale and the amount recorded against it in their dashboard.