Where does my money go?

When you pay online, the payment is processed via Stripe Connect as a direct charge: the course price flows immediately to the education provider’s account. The platform is only an intermediary and does not route any course money through an account of its own.

The platform never holds your course price at any point — there is no escrow account where your money sits.

From the course price the platform keeps only its intermediary commission; the provider receives the rest. The commission is accounted for automatically at payment. Important for you: the platform never holds your money at any point — it flows directly to the provider.

The processing fee charged by the payment provider Stripe is covered by the provider, not by you. The displayed course price is the final price: no surcharge and no hidden fee is added for you at checkout.

Your course fee goes straight to the provider’s Stripe account when you pay (Stripe Connect, direct charge). The platform never holds your money itself — it only takes its commission as a fee in the same step. Stripe then transfers the amount from that Stripe account to the provider’s bank account.

When that transfer happens is set by the payout schedule the provider has on file with Stripe — 14, 21 or 30 days after payment, depending on the tariff. Until then the money sits in the provider’s Stripe account, not with us.

What matters for you: a refund is initiated by the platform, not by the provider. Stripe reverses it from the provider’s account and hands back our commission proportionally in the same step. Nothing is deducted for handling it — how much you get back depends solely on your course’s cancellation rule (see below).

If you pay the provider directly outside the platform (e.g. by invoice or bank transfer), no money runs through the platform. In that case the provider settles its commission with the platform monthly by bank invoice — this concerns the provider only, not you.

If you cancel a privately paid booking, the platform only records the decision — it cannot refund money it never received. Any reimbursement is something you settle directly with the provider.

If the provider cancels, the course does not take place or the minimum number of participants is not reached (including force majeure), you are refunded 100%.

If you cancel yourself, any refund follows your provider’s cancellation tiers — the earlier before the course starts, the higher. The binding percentages are set by the respective provider and recorded at the time of booking; an example tier such as 100% / 50% / 0% is only an example, not a fixed promise.

In addition, the 14-day right of withdrawal applies (§ 312g BGB): you may withdraw the booking within 14 days without giving any reason. It expires early if, with your express consent, the course is fully performed before the 14 days are over.

In cases of illness, death or particular hardship the provider decides as a goodwill gesture — there is no automatic statutory refund claim in these cases. You will see the exact deadlines and amounts in binding form before you complete your booking.

Whether the money has already reached the provider’s bank account by the time you cancel depends solely on their payout schedule — it makes no difference to you. Before or after, the rule holds: if you are entitled to a refund, you get it. The money goes back the same way you paid — the provider bears the cost, and the platform returns the proportional commission. The platform only triggers the refund and documents it; it does not advance any money of its own.

If your employer subsidises the course, the subsidy flows directly to the provider or is reimbursed to you. The platform never holds your employer’s money either, at any point.