If you’ve ever tried to sell a painting or hire a photographer, you know payment can feel like a maze. Wrong pricing, a sketchy payment platform, or delayed money can turn a dream project into a headache. This guide cuts through the noise and gives you straight‑forward steps to set prices, pick the right payment tools, and keep the cash flow smooth.
Start with a simple formula: cost of materials + time spent × hourly rate + a little extra for your creative value. For example, if you spent 10 hours on a portrait, charge $30 per hour, and used $50 worth of paints, your base price sits at $350. Add 10‑15 % for the uniqueness of your style, and you’re at $385‑$403.
Don’t forget market research. Browse similar works on platforms like Etsy or local galleries. If a comparable piece sells for $400, you’re in the right ballpark. Adjust up or down based on your reputation, the medium, and the buyer’s budget.
Write the price clearly in every quote. Include a line that says, “All taxes and shipping are extra unless noted.” Clear numbers stop negotiations before they start and protect both sides.
Bank transfers are solid for large sums, but they can be slow. PayPal offers buyer and seller protection, though fees eat about 2.9 % of the total. Stripe is another low‑fee alternative that works well for websites. For international deals, consider Wise – it’s cheap, fast, and transparent.
Never accept cash or wire transfers from strangers without a contract. A short agreement that outlines the work, deadline, price, and refund policy is a safety net. If a buyer pushes for a “gift” payment, it’s a red flag.
For recurring commissions (e.g., monthly social‑media graphics), set up a subscription on platforms like Patreon or Ko‑fi. Automatic monthly billing means you get paid without chasing invoices.
When you receive payment, confirm it before sending any high‑resolution files. A quick screenshot of the transaction and a friendly thank‑you email builds trust and shows professionalism.
Finally, keep records. A simple spreadsheet with client name, project, amount, date, and payment method helps you track income for taxes and spot any unpaid invoices fast.
By fixing your pricing, picking reliable payment tools, and using clear contracts, you’ll spend less time worrying about money and more time creating. Got a payment question? Drop a comment and let’s figure it out together.
By Celeste Arkwright / Apr, 8 2025
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