For Artists
Fees, payouts, taxes, and what to expect as an artist.
What fees does Scratch charge?
Nothing upfront, no subscriptions. We take a 5% cut on each completed commission, and processing fees get deducted too (3.5% + $0.30, covers all card types and countries). Via PayPal, there's an additional 1.5% payout fee. Everything comes out of what the client paid, so you never owe us anything out of pocket.
When do I get paid?
When you deliver. The money hits your Scratch Payments account minus the 5% platform fee and processing costs. We do daily payouts, so after the settlement period (2 business days in the US, 3 in Canada/EU), it shows up in your bank. First payout might take 7 to 14 days while your account is verified.
I'm an artist outside the US. Can I use Scratch?
Yes. Scratch uses Stripe for payments, which currently supports 46 countries including the US, Canada, UK, most of the EU, Japan, and Australia. If Stripe operates in your country, you can get paid on Scratch.
What file formats can I deliver?
PNG, JPG, and PSD. Specific format options and file size limits are shown during the delivery process.
Can I use AI tools to create commissions?
No. Scratch is for human created art. The creative substance of all work (composition, character design, rendering) must be made by you. Post processing tools like upscaling or color correction are fine, but generating visual elements with AI will get you removed from the platform. See our Content Policy for full details.
How does commercial use work on my end?
Toggle it on in your settings and set a percentage uplift that gets applied on top of your base price. If you don't enable it, clients won't see the option. You're always free to decline any request regardless of the use type.
Will I get a 1099-K?
If you're a US-based artist, you might. Stripe (our payment processor) handles all tax reporting. They'll send you a 1099-K if you cross the federal threshold ($20,000 and 200+ transactions in a calendar year). Some states have lower thresholds, as low as $600. Stripe collects your tax info during onboarding, and they file everything directly. You don't need to do anything extra on Scratch.