It is not a bank
No deposits, no FDIC-insured product. The number you see is what fuime owes you.
Questions,
answered straight.
Seventeen of them, including the uncomfortable ones, with the same answer we would give you by email.
Getting started
Whether this is for you.
Who can use fuime?
Anyone in the US selling a service or digital work, in dollars. Sellers aged 13 to 17 too, with a parent or guardian on the agreement.
What can I sell?
Services and digital goods: tutoring, photo and video, web work, design, DJ sets, lawn care. Not physical goods, food, crafts, childcare, babysitting or coaching children.
How does a client pay me?
Publish an offer between $1 and $10,000. It gets a payment page, and the business gets a public storefront. Checkout is hosted by Stripe.
Is there anything to install?
Nothing to install. A person reads your application before the business can sell, and we will not promise how long. Under 18, a guardian accepts before anything pays out.
Can I run more than one business?
As many as you want. API keys come with them, ten live per business. A second business costs what the first did: nothing until it sells.
Money and fees
One price, and where it goes.
What does fuime take?
5% of what you collect, with a 50¢ floor. A floor, not an addition: a $400 sale pays $20.00, not $20.50. A $5 sale pays 50¢, which is 10%.
Is there a monthly fee?
No monthly fee, no setup fee, no per-invoice charge, no minimum. Nothing is billed until money arrives, so an invoice a client never pays costs you nothing.
Does card processing cost extra?
No. fuime is the merchant of record, so Stripe bills Ninth Street Labs, LLC its roughly 2.9% + 30¢ out of fuime's 5%. There is no second deduction.
What if the rate doesn't fit?
Then it is a conversation rather than a tier: custom pricing worked out with a person. Email support@fuime.com. A founders cohort runs at 0%, by invitation.
Can I bill someone every month?
Yes, monthly or yearly, and renewals post to the ledger by themselves. A buyer cannot cancel it themselves: they email support@fuime.com and a person stops it.
Do I owe tax on this?
Probably. fuime totals income, expenses and net against the IRS $400 self-employment threshold; Schedule SE's 92.35% multiplier makes the real trigger $433.14 of net profit. It estimates; it files nothing.
When it goes wrong
The answers people put off asking.
Who is my client buying from?
Ninth Street Labs, LLC, doing business as Fuime. It is the legal seller, and the card statement reads Fuime* then your business name. You hold a claim on fuime.
Does anyone check who I am?
No. There is no identity verification of anyone, anywhere in fuime. Your age is a checkbox you tick yourself. The only gate is a person reading your application.
Can I use fuime under 18?
Yes, from 13. A parent or guardian accepts the Guardian Agreement and becomes the legal payee; you operate the business. Nothing pays out until they accept. Under 13 is refused at signup.
What if a client charges back?
The money comes back out, and fuime's fee comes back with it in proportion. Your client's card issuer decides the dispute. Where the seller is a minor, the guardian carries it.
What if a client never pays?
You owe nothing. The fee is charged on money that arrives. fuime books it as outstanding rather than income, so the year-end total stays honest.
What happens when I turn 18?
Nothing resets. Your clients, your ledger and your books stay where they are, and the price stays the same. Moving the account out of a guardian's name is not built yet.
Where fuime stops
Four things it does not do.
It does not touch sales tax
Registered in zero jurisdictions. fuime calculates no sales tax, remits none, files nothing.
US only, dollars only
No second country, no localised checkout, no multi-currency pricing. Your client pays in dollars.
Nothing ships
Services and digital goods only. No shipping address, no inventory, no fulfilment in the product.