Buyer funds are held from checkout until confirmation comes back. That is identical on an account order, an item order and a Money order.
Completed orders and stock figures you keep current both feed your seller rank, which sets the fee tier your listings sit in. The platform FAQ covers changing a payout method, and the currency selling guide covers repricing against live offers.
Stocking all three boards from one profile is where clicking through forms stops keeping up. The Money figure has to come down as stock leaves, item offers want repricing against what the server is paying that week, and an account listing still has to declare edition, playtime and balance honestly. A key issued under Integrations hands that upkeep to a script, and the API reference shows which calls each of the three boards answers. If that is the shape of your HugoSMP selling, start a thread on the contact form before the first script goes near it.