How to Calculate Your Etsy Payments Deposit Amount

Etsy is required to collect tax from buyers in certain locations. Since Etsy is responsible for collecting the tax, not sellers, the tax amount doesn’t appear in the Payment account. You can find tax information in your monthly statement CSV. Learn more

Etsy Payments automatically calculates the deposit amount you receive in your bank account. This amount is the total of your Etsy Payment sales and the activity in your Payment account. When you’re enrolled in Etsy Payments, your sales funds are used to pay for your shop fees

To calculate your Etsy Payments deposit amount and confirm why you are receiving this amount, you’ll need to download your monthly statement to see your full sales funds and the fees and taxes applied to your sales. 

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How to download your monthly statement CSV

Your monthly statement contains all activity within your Payment account for a given month, which you can then use to calculate your deposit amount.

To download your monthly statement CSV files:

  1. On Etsy.com, go to Shop Manager.
  2. Go to Finances and then Monthly statements.
  3. To view statements for previous months, select View all monthly statements at the top of the page.
  4. Choose the year and month you're interested in.
  5. Select Generate CSV. You’ll receive an email when the CSV file is ready.
  6. Select Take me to download in the email, and then select CSV to download your CSV file.

How to calculate your Etsy Payments deposit amount

To calculate your deposit amount: 

  1. On Etsy.com, go to Shop Manager.
  2. Go to Finances and then Payment account.
  3. Find your sales funds that are available for deposit. You’ll see an amount under Available for deposit with a scheduled deposit date. 
  4. Subtract these amounts, found in your monthly statement CSV, from your funds available to deposit:

Your deposit schedule determines when funds will appear in your bank account. For example, if you receive deposit amounts weekly (every Monday), you’d want to calculate your deposit for a week to match weekly deposit amounts.

If you have an available for deposit balance but don’t see a deposit in your account yet, take a look at these common reasons for not receiving your deposit.

Can I calculate my deposit amount using my Sales & Credits total?

Your Sales & Credits total in your Payment account shows your gross Etsy Payments sales totals minus fees and taxes, and the Fees & Taxes total represents your Etsy fees and sales taxes. These totals are a reference and aren’t a direct representation of how much you’ll receive in your deposit, since they don’t include all payment activities such as bill payments and refunds. 

How to read your CSV file

Select an item to learn more about the details of your CSV file:

The amount available for deposit in your Payment account is your available Etsy Payment sales funds minus fees, refunds and taxes, and any reserved funds.

Sales funds become available for deposit when all holds or delays on your funds have passed. 

A shop either has a delay of 1 or 3 days on their Etsy Payment sales. If less than 90-days have passed from your first sale, your sale funds become available 3 days after a sale. When the 90-day period ends, funds will become available for deposit the next business day after a sale.

There may also be a 5-day security hold for adding or updating your bank details.

In the event a shop sees an unusual spike in orders, particularly in a high demand category, or we otherwise believe that your actions may result in buyer disputes, chargebacks, high risk of fraud, counterfeiting, or other claims, Etsy may take action on your account in accordance with our Terms of Service, including our Etsy Payments Policy.When appropriate and permitted by law, Etsy will communicate information to the affected seller about the issue.

There are fees for adding items to your shop, making a sale, using services on the site, and more. These fees appear in your Payment account and are deducted from any Etsy Payments sale funds you receive. Learn more about these fees.

When you issue a refund and you have funds available in your Payment account, the funds for the refund will be deducted from your Payment account balance. If you don’t have the funds available, your card on file will be charged to cover the remainder of the refund. 

If you’re in Austria, Germany, or the Netherlands, you are not required to have a card on file. The refund will be added to your Payment account to be paid as part of your amount due.

In certain locations, Etsy is required to collect tax on your fees and/or from your buyer.

US Sales Tax

If your buyer is in one of these US states, Etsy may collect sales tax on the order. 

Sales tax is not directly shown in the Payment account at this time. You can download your monthly statement CSV and subtract the fees & taxes from the amount column. Then, subtract the net column to get the difference, which is the sales tax Etsy collected.

For example, if you have a sale Amount for $10 with a Fee & Taxes amount of $1 and the Net is $8, it means that Etsy collected $1 in tax on the order. 

You can also view the sales tax collected from your buyer on the order receipt.

VAT

Etsy may be required to collect VAT on your seller fees and/or import tax or VAT on digital items from your buyers.

Payment account reserve

For a small number of new sellers, a percentage of sale funds will be put into a Payment account reserve, which means funds will not be available for deposit for a short period. Reserves help to keep your balance from going into the negative if you receive a chargeback from a customer’s credit card company, or any other unexpected charges.

You’ll be notified via email if your account is placed in a reserve, and you’ll see the reserve amount in your Payment account.

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