Frequently Asked Questions

Last Updated: 13 March 2026

Everything below covers the most common questions.

If yours isn't here, reach us at [email protected].

Getting Started

What are digital business products?

Professional templates, tools, and resources you can download and use immediately: spreadsheets, presentations, business documents, design resources, ebooks, and more. Rather than creating everything yourself, start with something that already works and customize it for your needs.

Who can use Digiwava?

Digiwava is open globally. You must be at least 13 to create an account and buy, and users under 20 need parental or guardian consent. Selling requires a Thai bank account for Stripe payouts. If you are under 18, Stripe requires legal guardian approval.

Do I need separate accounts for buying and selling?

One account covers both. You can also create separate accounts if you prefer to keep buying and selling activity apart.

Buying Questions

Can I get a refund?

Digital products are nonrefundable after download or access.

Refunds may be granted when you contact us within 7 days of purchase:

• Product materially differs from its description
• Files are corrupted or cannot be opened
• Files contain malware
• Major features shown in previews are missing

Not eligible:

• Change of preference
• Found a cheaper alternative
• Changed mind after downloading

To request help, contact the seller through the product page. If the seller is unresponsive or the issue is not resolved, contact us within 7 days of purchase and we'll review. Remedies may include providing a corrected file or issuing a refund. In multi-product purchases, a refund revokes access and hides reviews for all products in that purchase. The seller can restore access to non-refunded products.

What happens to my purchases if a seller leaves?

Your files remain downloadable for 6 months after a seller leaves (files may be removed earlier for legal or policy reasons). A notice will appear on your Purchases page when this happens. We recommend backing up purchases to your own cloud storage (Google Drive, iCloud, etc.).

What can I do with a product I bought?

Unless stated otherwise on the product page, purchases include a Standard License:

• Non-exclusive, non-transferable, non-sublicensable
• Single-entity use (you or your organization)
• You may not resell, redistribute, or claim the product as original work

Some sellers offer extended licenses. Check the product page for any custom terms.

Are files safe to download?

Every package is scanned for malware using multiple detection engines. If a threat is detected, the download is blocked immediately and the file is quarantined. Your Purchases page will show a notice, and downloads resume once the seller submits a clean replacement that passes all scans.

While no scanning system is infallible, we treat file safety as a core responsibility. We recommend keeping antivirus software active on your devices as an additional layer of protection.

What appears on my bank statement?

Card payments: The seller's configured business name/descriptor (set in their Stripe account)

PromptPay: Descriptor may show STRIPE PAYMENTS (THAILAND) LTD with a reference; exact wording can vary by bank

Can I get a receipt or tax invoice?

Every paid purchase generates a receipt automatically. Download it from your Purchases page. If the seller is VAT-registered and you need a full tax invoice, you can request one at checkout by providing your billing details, or upgrade an existing receipt from the Purchases page afterward.

What if I have a problem with a seller?

1. Contact the seller first using the Support section on the product page. Sellers may offer Digiwava Chat (in-platform messaging), external channels (LINE, WhatsApp, Telegram, Discord, email), or both. Some support options are only available after purchase.
2. If unresolved, contact us with details of your issue.
3. We'll review and may mediate, but we're not a party to transactions.

Some sellers may not have support options configured. The product page shows a notice if no support is available.

Selling Questions

Do I need a company to sell?

No. Individuals and companies can sell. You need a Stripe account connected to a Thai bank account. See Stripe's Thailand requirements for details.

How long does product approval take?

Usually within 24 hours on weekdays. Every submission is reviewed by a human. If delayed, check your email for follow-up questions from our team. Clear previews and detailed descriptions speed up approval.

How do the fee tiers work?

Digiwava fee tiers are based on lifetime sales:

• Silver (฿0+): 25% Digiwava fee
• Gold (฿10,000+): 20% Digiwava fee
• Diamond (฿100,000+): 15% Digiwava fee

Your tier updates automatically as you sell more. The new rate applies to future sales (not retroactive). Track progress in the Revenue Calculator. See our Terms of Use, Section 4.3 for the authoritative fee schedule.

Can I update a product after it's been purchased?

Yes. Edit your product anytime. Your changes save as a draft while the current version stays live and available for sale. Once you submit updates for review and they're approved, previous buyers can download the new version at no extra cost.

What happens if I receive a chargeback?

Disputes are charged to your Stripe account. You handle them directly in your Stripe Dashboard, where you can view details, submit evidence, and track resolution. Stripe manages the process with the buyer's bank. You're responsible for chargeback amounts and any associated fees.

See Stripe's dispute documentation for guidance on responding to disputes.

What is VAT?

Value-added tax (VAT) is a consumption tax applied to goods and services. Thailand's VAT rate is currently 7%. Unlike income tax (which is based on your earnings), VAT is charged on transactions.

In this FAQ, VAT comes up in two contexts:

1. Stripe fees: Stripe adds 7% VAT to its processing fees. This is automatic and reflected in the fee calculations.
2. Seller obligations: If your annual turnover exceeds ฿1.8M, you must register for VAT, include it in your prices, and file monthly returns to remit the VAT portion. See "I've earned over ฿1.8M" below for details.

Most small sellers don't need to worry about VAT. You only need to register once you cross the ฿1.8M threshold.

When do I get paid?

After a sale, funds appear in your Stripe balance. They become available after Thailand's standard settlement period (typically 7 business days), then Stripe pays out to your Thai bank account based on your payout schedule.

Configure automatic (daily, weekly, monthly) or manual payouts in the Stripe Dashboard.

See Stripe's Thailand payout schedule for country-specific details, or Stripe's payout documentation for general timing and options.

What are the Stripe fees?

Fees may change. See Stripe's official pricing for Thailand for current rates.

Stripe fees (deducted per sale) are approximately:

• PromptPay: 1.65% + 7% VAT on the fee
• Domestic cards: 3.65% + ฿10 per transaction + 7% VAT on the fee and flat amount
• International cards: 4.75% + ฿10 per transaction + 7% VAT on the fee and flat amount

Notes:

• The 7% VAT applies to Stripe's service fees, not your sale price.
• The ฿10 flat fee applies per transaction.

Use the Revenue Calculator to estimate earnings.

What do I actually earn per sale?

Example: Sale price ฿1,000, Gold tier (20% Digiwava fee), paid with PromptPay.

• Sale price: ฿1,000
• Digiwava fee (20% at Gold tier): ฿200
• Stripe fee (about 1.77% with VAT): ≈ ฿17.70
• You receive: ≈ ฿782.30

Card payments have higher Stripe fees, so you receive less. Use the Revenue Calculator for precise estimates with any payment method.

Do I need to handle withholding tax (WHT) on Stripe fees?

Yes. Under Thai tax law, businesses and individuals carrying on business must withhold 3% of service fees they pay to companies and remit it to the Revenue Department. This applies to Stripe's processing fees.

How Stripe helps:

• Stripe pre-credits 3% of your monthly fees to your balance, so you don't need to use your own funds to pay the Revenue Department.
• You must remit that 3% to the Revenue Department and send the withholding tax certificate to Stripe within 3 months. If Stripe doesn't receive the certificate in time, it reclaims the credit from your balance.
• WHT applies only to Stripe's service fees, not your total sales revenue.

Monthly process:

1. Get your Stripe invoice (sent by the 10th of each month). See Stripe's guide on downloading tax invoices.
2. Calculate 3% of Stripe fees (before VAT) from that invoice.
3. Pay that amount to the Revenue Department by the deadline (usually the 7th or 15th of the next month; confirm on their site).
4. Issue a withholding tax certificate and send it to Stripe.

About the WHT certificate:

• The withholding tax certificate (หนังสือรับรองการหักภาษี ณ ที่จ่าย) is what you send to Stripe.
• Use the Revenue Department's standard form or the RDT e-Withholding Tax system.
• Many accounting systems can generate the form.
• Sign it (and stamp if applicable).
• Email a scan and mail the physical original to Stripe.

See Stripe's WHT guide for Thai businesses for addresses and details.

Timeline example:

• Fees from May → invoice by 10 June.
• Pay WHT by 7 July (or 15 July if e-filing).
• Send the certificate within 3 months, or Stripe reclaims the pre-credit from your balance.

Cash flow example (Stripe fees = ฿1,000 before VAT):

• Stripe charges: ฿1,000 + ฿70 VAT = ฿1,070
• Stripe pre-credits: ฿30 (3% of ฿1,000) to your balance
• You pay the Revenue Department: ฿30
• You send the certificate to Stripe to close the loop
• Your net cost remains ฿1,070. The ฿30 you pay to the Revenue Department is funded by Stripe's ฿30 pre-credit.

Do I need to pay taxes on my sales?

Yes. Your obligations depend on total income and business structure.

• You must pay income tax on earnings.
• If annual turnover is under ฿1.8M, you are exempt from charging VAT on sales.
• Stripe provides annual summaries to help with filing.
• Keep complete records from day one.

I've earned over ฿1.8M. Will Stripe handle the VAT for me?

Stripe and Digiwava do not calculate, collect, or remit VAT on your behalf.

Because you operate your own business through a Stripe Standard account, you manage your taxes. After crossing ฿1.8M turnover in a year, you must:

1. Register for VAT with the Thai Revenue Department.
2. Include VAT in your product prices.
3. File monthly VAT returns and remit collected VAT.

Consult an accountant as you approach this threshold. See Stripe's Thailand tax overview for additional context.

Do you require exclusivity?

No. You're free to list your products on multiple platforms.

Someone copied my product. What do I do?

Email [email protected] with:

• Links to your original work and the allegedly infringing listing
• Proof of ownership or authorization to act on behalf of the rights holder
• A statement that your notice is accurate and made in good faith

We will review and take appropriate action. See our Terms of Use, Section 6.3 for the full procedure.

Something still unclear? We're here. [email protected]