Set your price at $40. Keep $38.46 of it.
One order, two fees, and they land on different people. Your buyer pays ours, 5.5% plus 55 cents, folded into the single price she sees, so a $40 box of rolls reads $42.75 to her. You pay Stripe, 2.9% plus 30 cents for the card, the same cut any shop with a card reader hands over. Nothing monthly, nothing at signup, and nothing at all in a week you don't bake.
- Your buyer pays us
- 5.5% + $0.55Added to your price, inside the one number she reads. Only on orders that came through us.
- You pay Stripe
- 2.9% + $0.30Card processing, on the full amount she pays. It goes to Stripe and never to us.
- Everything else
- $0.00No monthly fee, no setup fee, no listing fee, and no bill on the first.
Follow one $40 order all the way through.
You set $40. She's shown $42.75 and pays it. The charge runs on your own Stripe account, so the money is yours the moment her card clears, and both fees come off that same charge. Nothing sits in a Cottage & Kin bank account on its way to you, and no invoice arrives at the end of the month.
- One order from your shopPickup Saturday morning
- $42.75
- She pays
- $42.75
One line and one number. Our 5.5% and 55 cents are inside it, and nothing in her checkout carries our name.
- Your price
- $40.00
- Card processingStripe's 2.9% + $0.30, on the $42.75 she paid
- −$1.54
- You keep
- $38.46
Our $2.75 sat on top of your price, on her side, and never entered this column.
Where her $42.75 goes
- You keep $38.46
- Cottage & Kin $2.75
- Stripe $1.54
that's the whole list
Stripe's percentage runs on the whole amount it processes, which is the $42.75 rather than the $40 you asked for. That's 8 cents more than it would be on your price alone, and we'd rather show you the 8 cents than average them away.
| Your price | $12 | $40 | $85 |
|---|---|---|---|
| She pays | $13.21 | $42.75 | $90.23 |
| Cottage & Kin | $1.21 | $2.75 | $5.23 |
| Card processing | $0.68 | $1.54 | $2.92 |
| You keep | $11.32 | $38.46 | $82.08 |
| Our share of her total | 9.2% | 6.4% | 5.8% |
Watch the flat fees on a $6 loaf.
Two of the four numbers on this page don't move. Our 55 cents are the same on a $6 loaf as on a $60 cake, and so are Stripe's 30 cents. On that loaf the two of them come to 85 cents between them before either percentage has taken a thing. Your buyer pays $6.88 for it and you bank $5.50.
They're flat for the same reason on both sides. An order costs about the same to run whether it's $6 or $86: one charge, one receipt, one set of notifications, one label, and the same help when something goes wrong. A pure percentage would have the big orders paying for the small ones without anyone saying so, and the percentage would have to be higher for everybody.
So if you sell a lot of $8 boxes of cookies, our 55 cents are the part you'll feel. That's the honest way to put it, and it's why the number is 55 cents instead of two dollars. At that price she pays $8.99 and you keep $7.44.
Show your buyer one number, on purpose.
Every marketplace that itemises its cut teaches its buyers the same lesson. She watches $2.75 get added on the last screen, does the arithmetic once, and next time she texts the baker and pays them directly. She isn't wrong to. The fee handed her the reason.
So ours goes inside the price she reads. She sees $42.75 next to your box of rolls, she pays $42.75, and no line in her checkout carries our name. It's priced the way a bakery counter prices things.
Two things follow from that, and you want both before you price. The number she reads is higher than the number you set, so decide what to charge knowing there's $2.75 sitting on top of it for her. And she is paying us without seeing it broken out, which we'd rather say plainly than dress up. It's written on this page, in full, on a page anyone can open, and any buyer who wants to check the arithmetic can do it from here.
If you came here as a buyer: the price on the listing is the price you pay. Our 5.5% and 55 cents are already inside it, and the arithmetic above is showing you exactly how much of it is ours.
Everything we charge is on this page.
We decided against four charges. Every one of them would have been easy to add, and every one of them would have taken money off a baker before they made any.
No monthly fee
Your shop stays up whether you bake forty orders in December or none at all in January. Baking has seasons and rent doesn't, so we don't charge rent.
No setup fee
Making an account costs nothing, and you can do it while your Arizona registration is still in the mail.
No charge to build your shop
Your shop page, your photos, your listings and every edit you make to them afterwards are included. Change your prices on a Sunday if you want to.
Nothing on the orders we didn't bring you
Sell at a market on Saturday, or to the neighbor who knocks, and we take nothing from it. We only earn on an order that came through Cottage & Kin.
Hand the rest of the job to us.
You bake. Everything that happens after the oven is ours to run, and the 5.5% and the 55 cents are what pay for it.
Your storefront
A shop page with your name on it, your listings, and the batch you're taking orders for this week.
Orders and money
Checkout, receipts, the notification when something sells, and the payment landing in your own Stripe account, never in ours.
The paperwork the law wants
Every listing carries your name, your registration number, your ingredient list, the allergens, the production date for that batch, and the disclosure sentence Arizona requires, word for word. The printable label comes off the same fields, so the sticker on the box and the page a buyer read can't disagree with each other.
Watching your dates
We keep two dates on file, your Arizona Department of Health Services Cottage Food Program registration and your food handler card, and we warn you at 60 days and again at 30 before either one expires. If one lapses, your listings come down until it's current again. Arizona cottage food is baked in a home kitchen and isn't subject to public health inspection, and every label says so out loud. The dates are the part we can check, so we check them.
The buyer side
The pickup window, or the address you're driving to yourself, the messages either way, and the part where a buyer with a problem comes to us first. Anything with dairy, meat or poultry in it goes from your hands to hers, so those arrangements are settled before she checks out rather than after.
Hear a rate change from us before it reaches a payout.
These are the numbers we're launching with in Phoenix in October 2026. Pricing on a young marketplace can move, and saying otherwise would be the first thing on this page you couldn't trust.
So if ours changes, every baker gets it in writing, with the new numbers and the date they start, before it touches a payout. You won't find out from a statement.
Our fee sits inside what your buyer pays, so moving it moves her total too. That's the part we'll spell out in the same letter, in dollars, on an order the size you actually sell.
Start your shop before your paperwork's done.
Making the shop is free, so you can photograph what you bake and write your listings tonight, then turn it on the day your registration number arrives. We'll show you where the Arizona cottage food registration and the food handler card come from, what they cost, and how long they take.
Our Papa never had a counter. He baked cinnamon rolls every weekend and we sold them out of a school hallway before the first bell, which is a workable plan right up until the kids grow up. What a counter ought to cost a baker is the question, and this page is our answer to it.
