You pay nothing to open a store and nothing per month. We take a flat cut of each successful sale — card processing is included in that, not billed on top.
OpenWaterSoftware is the merchant of record for every sale. There is no payment account to apply for, no gateway to integrate, and no card data anywhere near your store.
Refunding an order revokes the perk it granted — the Discord role is removed, or the Telegram member is dropped from the private chat — and the platform fee is returned with it. You are never charged a fee on money you didn't keep.