get that bread uses milestone-based fund release. Pledges are held by Stripe until the creator hits their commitments — and at every stage, you're protected if things go wrong.
You don't need to opt in or fill anything out. Every pledge runs through these — automatically.
Card holds release automatically if the campaign misses its goal. PayNow pledges are refunded in full within 5–10 business days.
Funds are held until the creator proves each milestone — typically 40 / 40 / 20, never one lump sum on day one.
Email us if a creator disappears, lies about the project, or fails to deliver. Two-stage dispute process; on confirmed fraud you may receive up to a full pledge refund, subject to what we can recover from the creator.
When you back a project, the money doesn't flow to the creator. It sits with our payment processor until the campaign funds, then releases in tranches as milestones are verified.
Pre-authorisations are placed on your card and only captured if the campaign hits its goal by the deadline.
PayNow pledges are charged immediately and refunded in full within 5–10 business days if the goal isn't hit.
Pledges are held by Stripe — not on our balance sheet — and release as each milestone is verified.
If a dispute is resolved in your favour, our 5% platform fee is refunded along with your pledge.
Backer protection here rests on two pillars: trusted Singapore financial infrastructure and Singapore consumer law. Pledges are held by Stripe — the same infrastructure used by most major SG platforms — and release only as milestones are met. Creators are bound by Singapore's Consumer Protection (Fair Trading) Act for what they deliver, and misrepresenting a campaign is unlawful regardless of the platform.
Your pledge moves through four stages. You're never in a grey zone where money has changed hands but no one's accountable.
Card authorised, not charged. PayNow held on-platform. Cancel or change any time before the campaign closes.
Funds are held by Stripe. Nothing released to the creator yet — we hold everything until they hit their first milestone.
When the creator proves they've hit a milestone (M1 / M2 / M3), that share is released — 40 / 40 / 20. The rest stays held.
If a creator goes silent or misrepresents the project, open a dispute. Milestones 45+ days overdue with no update auto-trigger one.
Card authorised, not charged. PayNow held on-platform. Cancel or change any time before the campaign closes.
Funds are held by Stripe. Nothing released to the creator yet — we hold everything until they hit their first milestone.
When the creator proves they've hit a milestone (M1 / M2 / M3), that share is released — 40 / 40 / 20. The rest stays held.
If a creator goes silent or misrepresents the project, open a dispute. Milestones 45+ days overdue with no update auto-trigger one.
If a creator fails to deliver — whether they cancel, go silent past a milestone, or misrepresent the project — you can ask for a refund. On confirmed fraud you may receive up to a full pledge refund (any still-held funds back immediately; we pursue the creator for anything already released and return it if and when recovered). On good-faith failure, you get back whatever is still undisbursed. Either way, our 5% platform fee comes back with it.
Our two-stage dispute process gives creators 7 days to respond to a concern before a formal dispute opens — because most delays in real projects are communication gaps, not failures. If a milestone is 45+ days overdue with no update, we open the dispute on backers' behalf automatically.
Read the full refund & dispute policy
A few edge cases fall outside our process:
Cosmetic differences between a prototype and a final product — prototypes evolve.
Delays a creator has communicated and that you've had a reasonable chance to respond to.
Shipping damage once a package leaves the creator — raise these with the courier or the creator directly.
Disputes about subjective quality where the creator delivered what was promised.
Change-of-mind refund requests after a campaign has successfully funded — once the goal is met and production begins, pledges are committed.
Contact us first — chargebacks filed directly with your bank bypass our dispute process and reduce recovery options for everyone.
The same protections apply in reverse — funds release only as you submit and we approve each milestone, and we may reverse a payout if credible evidence of fraud or non-delivery emerges. Full details are in our Terms of Service.
For long-tail questions about pledging, refunds, or how we vet creators, see our FAQ. For anything else, drop us a line.
For everything except live disputes — we average a few hours during Singapore business hours.
Open mailBrowse the live campaigns and pick one that moves you. Pledge from S$25 — your money is protected at every stage.
For creators
The same milestone release that protects backers is what makes them more likely to pledge to you. Read the creator guide or apply for a free 30-minute launch call.