Organiser agreement

Fees

Live's service fee is 2% per paid ticket on the Free plan; paid plans lower it. Free tickets are never charged.

The payment processor charges 1.5% + ₦100, the ₦100 waived under ₦2,500, capped at ₦2,000.

For each event you choose whether guests pay the fees on top of the ticket price or you absorb them. The choice is locked once the event has taken a sale.

Fees, with a worked example

Tickets you issue by hand

You can add guests yourself and give them paid tickets: speakers, sponsors, the crew, or people who paid you another way (cash, a bank transfer, a card machine). They get the same ticket and the same door as anyone who bought on Live.

Each event allows a number of these without Live's fee: the larger of your plan's number and its share of the paid tickets you sell on Live. Live shows how many are left when you add a guest.

Past that, each one carries Live's service fee on the ticket's price, the same as at checkout, whether it was given away or sold outside Live. You pay it ahead, by card or from your Live balance, before the tickets are issued; it's never added to what you owe Live.

Money a guest paid you outside Live stays between you and them: Live records what you tell it, never holds it, and can't refund it. If the event is cancelled, Live gives back its fee on these tickets, the way you paid it.

Live may change the allowance, or not charge the fee at all for a time. A change applies to tickets issued afterwards, never to ones already issued.

Getting paid

Sales are paid in one of two ways, which Live sets for your workspace. Paid directly: each payment is split as it settles, your share going straight into the bank account you connect and Live's fee to Live. Paid through your Live balance: Live collects the payment, holds it as set out below, and you withdraw it to that same account.

Being paid directly needs Live's approval: you ask from the Money page and Live's staff decide, with the reason. Live may stop it later (for example after disputes, or a risk to guests' money); new sales are then paid through your Live balance, or paused until it's resolved, and we tell you why. Where Live offers it, you may also choose to be paid through your Live balance; going back to being paid directly is a new request. Sales already made are always paid the way they started.

The bank account is connected by the workspace's owner, and the bank confirms the account holder's name before it's used. Whenever it's connected or changed, the workspace's owners are emailed, and withdrawals to a newly connected account open 24 hours later, so an owner can stop a change they didn't make. Every withdrawal is emailed to the owners too.

Your Live balance

This applies when your sales are paid through your Live balance.

A sale is pending until the payment processor has paid it to Live, then held until 3 days after its event ends, then available to withdraw. Only available money can be withdrawn. You'll see each event's pending, held and available amounts on the Money page.

Live may release some or all of an event's held money earlier, for example when you need it to put the event on; ask us from the Money page. Live may also hold back money that's available when refunds, a payment dispute or a risk to guests' money call for it. Either way we record the reason and tell you.

Each currency you sell in has its own balance and is paid out in that currency. Live never converts one currency into another.

If refunds, cancellations or disputes take your balance below zero, you owe Live that amount: withdrawals stop, it's taken from your next sales, and you remain liable for any part that isn't recovered that way.

Live keeps the money it holds for organisers apart from its own in its records, and checks every day that the payment processors hold at least what Live owes organisers and guests. Live doesn't pay interest on money it holds.

Withdrawals and keeping your money safe

• Before your first withdrawal from your Live balance, Live checks who it's paying: the person or business behind the workspace and an official ID or registration number. We keep only what we need for that (for an ID number, its last four digits).
• Owners and admins confirm withdrawals, payout account changes and settlement requests with a code from an authenticator app.
• Each withdrawal is at least ₦1,000 (unless it empties your balance), and up to ₦5,000,000 can be withdrawn in any 24 hours. Ask Live for different limits; staff decide, with the reason.
• Live may refuse or delay a withdrawal it has reason to think isn't yours, or that would take money it needs for refunds or disputes, and tells you why.

Money you haven't withdrawn

Money in your Live balance stays yours for as long as it takes you to withdraw it. Live never keeps it, and never charges for holding it.

If nothing happens on a balance for six months, we email the workspace's owners; at twelve months we email again and try to reach you another way. If we still can't, after 6 years we deal with it as the law then requires.

The limit for new organisers

Until one of your paid events has happened cleanly, paid sales across all your events are limited to ₦500,000. Free registrations are never limited.

Clean means an event with paid tickets ended at least 3 days ago and no report against any of your events was upheld. The limit then lifts by itself.

Why: new sellers are where most fraud and payment disputes come from. The limit keeps guests' money safe while there's no track record. Live's staff may lift it early, or keep it, after reviewing an account.

Expecting to sell more on your first event? Ask for a higher limit from your event's Tickets page. Live's staff reply within 1 working day, and may raise the limit to an amount, lift it, or decline, with the reason. Until then, sales carry on up to your current limit.

Refunds and cancellations

• Publish a refund policy on every event with paid tickets, and honour it. Guests can ask for a refund from their account.
• If you cancel an event, every guest automatically gets back exactly what they paid at checkout, Live's service fee included, whoever was set to pay the fees.
• On a cancelled event's refunds, Live gives up its service fee and bears the payment processor's fee. You give back what you received for those tickets, never more.
• If you're paid directly, the processor has already paid you for those tickets, so Live refunds the guests first and you owe Live what you received for them. It's taken from your next sales, and you remain liable for any part that isn't. Live may confirm a large cancellation with you before its refunds go out.
• On other refunds, the ticket price is refunded and the service fee isn't, unless the organiser chose to absorb the fees. The payment processor keeps its fee on a refunded payment; on these refunds it comes out of your share.

Checkout

Tickets are held for 25 minutes while a guest pays. If they don't finish, the tickets go back on sale.

Pausing sales and suspension

Live may pause sales, take an event off Browse, or suspend an event or a workspace if it breaks these terms or the Community rules, or puts guests' money at risk. A suspended event's page and sales close.

Community and email rules

Payment disputes

• If a guest disputes a payment with their bank (a chargeback), we tell you, and the disputed amount is held from your money while the bank decides: from that event's held money first, then your available balance, then as an amount you owe.
• Live answers the bank with what its records show (the ticket, the confirmation email, the check-in at the door, your refund policy). Send us anything more that helps, such as messages with the guest, before the date we give you.
• If the bank sides with you, the amount is returned to your balance. If it sides with the guest, the amount is theirs, you bear it, and that order's tickets stop working. If you're paid directly, it's an amount you owe Live, taken from your next sales.

Invoices, statements and tax

• Each month Live issues an invoice for what it charged you: its service fee on each event's sales (less fees it gave back on refunds) and any plan. Live's fees include VAT where Live charges it, and the invoice shows how much.
• A monthly statement for each currency shows what your sales added, refunds, disputes, withdrawals, and what you had at the start and the end. Both are on the Money page.
• You're responsible for your own taxes on what you sell.

Payment processors and records

Payments are handled by a licensed payment processor (Paystack or Flutterwave). Live may move from one to the other: your bank account is then checked again with the new processor, and if it can't be matched we'll ask you to connect it again before your next sale. Payments made before a move are finished with the processor that took them.

Live keeps the records of every payment, refund, payout and decision about your money for 6 years, as the law requires, even after you stop using Live.

Changes

When this agreement changes, we'll email you before the new version takes effect, and ask you to accept it the next time you sell tickets or open Money.