How to use Pay with Earnings
Pay with Earnings lets you use your sales earnings to pay for certain actions on Palmstreet — even if your current balance is low. This helps you buy shipping labels and issue refunds without waiting for your earnings to be released.
When you use Pay with Earnings, Palmstreet will:
Use your available balance first
Use your Pay with Earnings limit if needed
Charge your backup payment method only if the limit is exceeded
When Sellers Use Pay with Earnings
Most sellers use Pay with Earnings when they need to buy shipping labels before their earnings are released.
Example:
You sell an item for $50
Your current balance is $0
You need to buy a $8 shipping label
With Pay with Earnings:
Palmstreet covers the $8 shipping label
When your $50 earnings are released, the $8 is automatically deducted
This allows you to ship orders immediately.
How to Set Up Pay with Earnings
When purchasing shipping labels, you will see a payment option called Sales Earnings. To set it up:
Select Sales Earnings as your payment method
Add a backup payment method
Once set up, you can start using Pay with Earnings.
You can also add or update your backup payment method anytime under Profile → Settings → Earnings
Your Pay with Earnings Limit
Your Pay with Earnings limit is the maximum amount Palmstreet can temporarily cover before your earnings are released. Your limit depends on your seller plan, pending shipping fees, and pending balance.
Palmstreet calculates your limit based on whichever amount is highest:
Your plan base limit
Your pending shipping fees
30% of your pending balance
However, your limit cannot be higher than your total pending balance. If you do not have a pending balance, your Pay with Earnings limit is $0.
What Changed
We updated Pay with Earnings so your available limit can better match your shipping needs. In addition to your seller plan and shipping fees, your limit may now also increase based on your pending sales volume. This helps sellers continue buying shipping labels without waiting for earnings to be released.
Foundation Sellers
Foundation Sellers have a plan base limit of $500.
Examples:
Low shipping
$80
$1,000
$500 (base limit applies)
Higher pending balance
$80
$3,000
$900 (30% of pending balance applies)
High shipping fees
$1,500
$3,000
$1,500 (shipping fees apply)
Low pending balance
$80
$300
$300 (limited by pending balance)
All Other Sellers
All other sellers have a plan base limit of $200.
Examples:
Low shipping
$80
$500
$200 (base limit applies)
Higher pending balance
$80
$1,000
$300 (30% of pending balance applies)
High shipping fees
$350
$1,000
$350 (shipping fees apply)
Low pending balance
$80
$50
$50 (limited by pending balance)
When Your Backup Payment Method Is Charged
Your backup payment method will be used if:
The order total is higher than your Pay with Earnings limit, or
Your pending earnings cannot cover the payment.
Update Your Backup Payment Method
You can update or remove your backup payment method at any time.
Tap Repayment history
Tap the settings icon in the top right corner.
On the Payment settings page, tap the edit icon.
View Pay with Earnings Activity
To see how Pay with Earnings was used, go to Profile → Settings → Earnings:
Tap Repayment history
Select a statement to see the transaction details
Tap Show transactions to view the breakdown of charges
FAQs
Can my Pay with Earnings limit go above my plan base limit?
Yes. Your plan base limit is $200 for most sellers or $500 for Foundation Sellers, but your final limit can be higher if your pending shipping fees or 30% of your pending balance is higher than your plan base limit.
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