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, issue refunds, or keep your seller plan active 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 determines how much Palmstreet can temporarily cover before your earnings are released.
Your limit depends on your seller plan, pending shipping fees, and pending earnings.
Foundation Sellers
Your limit is $500 or your pending shipping fees — whichever is higher.
Example:
If your shipping fees are $80, your limit is $500.
If your shipping fees increase to $1,500, your limit automatically increases to $1,500 to cover them.
Low shipping
$80
$500
$500 (plan limit applies)
High shipping
$1,500
$500
$1,500 (shipping fees apply)
All Other Sellers
For most sellers, your Pay with Earnings limit depends on three factors:
A minimum limit of $200
Your pending shipping fees
Your total pending earnings
Palmstreet calculates your limit like this:
Your limit is the higher of $200 or your pending shipping fees, but it cannot be higher than your total pending earnings.
Example:
If your total pending earnings are $50, your Pay with Earnings limit will be $50, even though the minimum limit is normally $200.
Low shipping
$80
$200
$500
$200 (minimum limit applies)
High shipping
$350
$200
$800
$350 (shipping fees apply)
Low pending earnings
$30
$200
$50
$50 (limited by earnings)
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
FAQ
Why is my Pay with Earnings limit higher than $200 or $500?
If your Pending Balance includes shipping fees that are higher than your plan limit ($200 or $500), your Pay with Earnings limit will automatically match the higher shipping-fee amount instead of the plan-based limit.
Example: If your Pending Balance includes $2,000 in shipping fees, your overdraft limit becomes $2,000.
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