Marketplace Payments & Paypal Payments Policy Marketplace Payments allows buyers and USA based sellers to use various forms of payment on and's mobile apps and other services. Marketplace Payments users can pay with and accept payment by credit card, debit card, PayPal, Apple Pay and Android Pay. Non-USA based sellers can still accept various form of payments but can only be paid through Paypal Payments. This policy explains all of your rights and obligations when using Marketplace Payments and Paypal Payments, collectively referred to as “Payments” in this policy and in our Terms of Use.

This policy is a part of our Terms of Use. By using Marketplace Payments, you’re agreeing to this policy and our Terms of Use.

1. Accepting These Terms

This document (the Marketplace Payments and Paypal Payments Policy or the “Policy,” for short) sets out your rights and responsibilities when you use Marketplace Payments and Paypal Payments on’s services (we’ll refer to and's mobile apps and other services as our “Services”), so please read it carefully. By using Marketplace Payments and Paypal Payments, you’re agreeing to the Policy.

The Policy is a legally binding contract between you and, Inc. referred to as “”.

The Marketplace Payments Policy is also a part of our Terms of Use. By using any of our Services, you’re agreeing to the Terms of Use.

2. Overview Payments allows sellers to (a) accept payment by authorized credit and debit card transactions, some bank transfers services, PayPal, transactions using Apple Pay, and transactions using Android Pay, (b) have those funds credited to a seller’s account with, and (c) have those funds deposited into a seller’s designated bank or paypal account. Payments is only available to sellers who are at least 18 years old who register and are approved for a payment account with

Sellers may only use Payments for the sale of items listed on’s Services, and agree to ship sold items once a payment transaction is complete and reflected in their payment account. reserves the right to terminate a seller’s access to Payments if the seller uses Payments in any other manner.

Buyers may authorize a payment with any major credit or debit card accepted by or through PayPal, Apple Pay, or Android Pay.

3. Third-Party Services has engaged third-party service providers to perform many of the services related to payment processing, including card processing, currency exchange, identity verification, fraud analysis and regulatory compliance. partners with Braintree, PayPal and other licensed payment processors to facilitate card Payments and other Payments and the disbursement of funds to sellers. The provider and processing time for your payment will vary based on the country in which you're located. If there are insufficient funds in your bank account when our provider processes the payment for your purchase, reserves the right to contact you directly and to seek payment. may share your personal or transactional information with those third-party service providers when it's necessary to process Payments.

By using a third-party service, you may also be subject to an agreement with the third-party. For example, PayPal is a third-party service provided by PayPal Holdings, Inc. and is subject to the PayPal User Agreement. Apple Pay is a third-party service provided by Apple Inc. and is subject to the Apple Pay Terms and Conditions. Android Pay is a third-party service provided by Google Payment Corp. and is subject to the Android Pay Terms and Conditions for US Users and Users outside the US.

If receives notice that your shop's content or activity violates a third party's service agreement, we may at our sole discretion take action against your account to comply with their policies. Such actions may include canceling a transaction, disabling listings from your shop, suspending your selling privileges, or removing certain payment methods.


For Non-USA based sellers, you will receive funds directly into your PayPal account. This payment method exists for sellers in countries that are not yet eligible for Marketplace Payments which is currently only offered for USA based sellers. All applicable Paypal fees will be applied.

4.’s Rights and Responsibilities Payments functionality may be made available, modified, or discontinued by us at any time without notice and is subject to the limitations in’s Terms of Use.

As a security measure, we may impose transaction limits on buyers and sellers. For example, we may impose limits relating to the value of any transaction, deposit, or adjustment, or limits relating to the cumulative value of all transactions, deposits, or adjustments during a period of time. We may also impose limits related to the number of transactions per day or other period of time. We will not be liable to a seller: (a) if we do not proceed with a transaction, deposit, or adjustment that would exceed any limit established by us, or (b) if we permit a buyer to withdraw from a transaction. may refuse service of Payments to anyone, for any reason, at any time. reserves the right to decline transactions that we believe to be high risk, fraudulent, or in violation of’s Terms of Use.

In the event that a buyer does not make payment for the purchase of a legitimate item sold using Payments (e.g., where the buyer used a stolen or unauthorized credit card), may provide limited payment protection to the seller, in the interest of fairness but at our own discretion. maintains records associated with transactions on Payments and does not pass any secure data, including credit card numbers or bank account information to any sellers. Additionally, all secure data is only seen by our payment processing partners and never stored by Sellers will only receive shipping information and limited buyer account information necessary to complete the order.’s Privacy Policy further explains how handles user information. will send you any relevant notices regarding your use of Payments.

5. Seller Rights and Responsibilities

A. Use of Marketplace Payments. If you live in the USA, you are required to sign up for Marketplace Payments, which will result in your shop accepting payment through authorized credit and debit card transactions, some bank transfer services, PayPal, Apple Pay, and Android Pay. For you to sign up for Marketplace Payments and receive payment for transactions made through Marketplace Payments, you must provide valid account information for a bank account in the United States. Without this information, cannot pay you!

Non-USA based sellers must register and also be validated through Paypal.

B. Disputes. Sellers agree to resolve any disputes directly with a buyer or with the assistance of the dispute management and refund tools available on, and in accordance with our Seller Policy and Terms of Use. In the event that a dispute is escalated to’s Support Team, reserves the right to issue a refund to a buyer if a transaction is found to be in violation of’s Seller Policy and Terms of Use.

In the event that a buyer submits a chargeback, will respond to the credit card networks on behalf of the seller involved in the transaction; the seller agrees to provide any requested information to us within five calendar days of the request. reserves the right to recoup funds associated with buyer chargebacks.

C. Communications. We will inform sellers of each transaction, or of other information pertaining to Payments, using email or through's Conversations tool.

D. Refunds. Refunds or adjustments paid by to buyers for payments made through Payments may be initiated using the refund functionality in the seller's payment account or by contacting directly to issue the refund on their behalf. Any such funds paid by to cover refunds will be deducted from the seller’s payment account balance. If there are insufficient funds to cover the amount of the refund, the balance will be charged to the seller’s credit card or added to the seller’s bill.

Fully refunded transactions may be eligible for cancellation in accordance with the Seller Policy.

E. International Trade Laws. You agree that your use of Payments will not involve any countries, entities, individuals or items prohibited by sanctions, embargoes, regulations or orders administered by the US Department of Treasury’s Office of Foreign Assets Control (“OFAC”) or other government agencies.

6. Appointment of as Limited Collection Agent for Sellers

Each seller appoints as its agent for the limited purpose of receiving, holding and settling payments to seller. will settle payments that are actually received by to each seller, less any amounts owed to and subject to these Terms. Each seller agrees that a buyer payment received by, on behalf of seller, satisfies the buyer's obligations to make payment to seller, regardless of whether actually settles such payment to seller. If does not settle any such payments as described in these Terms to a seller, such seller will have recourse only against and not the buyer.

7. Deposits

A. Payment Account. All funds resulting from a completed transaction will be reflected as a balance in a seller’s dashboard. Transactions are considered complete once the payment is approved by or our fraud analysis service provider. Any refunds, adjustments, or other amounts paid to buyers in connection with purchases, or for funds received since the last payment day, are also applied to the seller’s payment account balance.

Funds in a payment account balance are eligible for deposit (the “Available Balance”) into a seller’s bank account at the end of any applicable deposit delay, reserve, or hold period as determined by the seller’s bank.

B. Country and Currency Options. Available Balances can only be deposited into bank accounts in the United States and via Paypal for Non-USA based sellers.

C. Scheduled Deposits. will instruct our Marketplace Payments partners to initiate a deposit of a seller’s Available Balance into the seller’s bank account on a daily, weekly, biweekly, or monthly basis. Deposits into a seller’s bank account will generally be credited within three (3) to five (5) business days from the date initiates the deposit request. The actual timing of the deposit may depend on how quickly a seller’s bank processes the request.

The Payment Date will fall on the next business day (Monday through Friday, excluding bank holidays) if the scheduled Payment Date falls on a non-business day. When a seller either initially provides or later changes his or her bank account information, the seller must wait at least five (5) calendar days to request a deposit into a bank account as a security precaution. The next scheduled deposit after a change to bank account information will occur on the next applicable Payment Date after a period of five (5) calendar days from the date of the requested change.

D. Holds and Delays. In some cases, deposits to sellers’ bank accounts could be temporarily delayed by an issue at, at’s third-party service providers, or at a seller’s bank. We’ll do our best to communicate with the affected sellers as soon as we can.

If we believe that a seller's actions may result in buyer disputes, chargebacks, or other claims, then we may, in our sole discretion, put (1) a hold, (2) a deposit delay, or (3) a reserve on the seller’s payment account balance.

A hold may be put on funds associated with a particular transaction if there is a dispute or investigation related to the order, for the shorter of: (a) 180 days after the estimated delivery date; or (b) completion of any investigation regarding the seller’s actions.

Deposit delays are defined as the number of days between a sale and the day the net amount from the sale becomes available for deposit, provided the payment has been completed. A deposit delay may be between 0 and 180 days. A deposit delay is applied across all transactions for a seller and the number of days is reflected in each seller’s payment account.

A reserve is defined as a fixed percentage of a seller’s payment account balance delayed prior to being included as part of a seller’s Available Balance for a period of up to 180 days.

If places a hold, a deposit delay or a reserve on a seller’s account, we’ll do our best to communicate with the affected seller as soon as we can.

We always work hard to avoid and minimize any delays. However, please note that is not obligated to refund any fees or reimburse any expenses due to holds or delayed deposits.

E. Escheatment. If cannot settle funds into a seller’s bank account, the funds will remain in the seller’s payment account. It is the seller’s sole responsibility to update his or her bank account information to receive the funds. If a seller fails to update the information to claim the funds within a certain period of time, will escheat the funds to the relevant government authority in order to comply with escheatment laws.

8. Recoupment

A. We reserve the right, in our sole discretion, to seek reimbursement from a seller in any of the following circumstances: (a) we provide a refund to a buyer because a seller did not promptly deliver the goods or we otherwise determine, consistent with Section 5 (Seller Rights and Responsibilities), that a refund is warranted in a particular circumstance, (b) we discover erroneous or duplicate transactions related to a seller, (c) we receive a chargeback from a buyer's credit card issuer or reversal of payment for the amount of a buyer's purchase from a seller, or (d) a seller does not act in accordance with’s Terms of Use or any policy thereunder.

B. We may obtain reimbursement of any amounts owed by a seller to by deducting from future payments owed to the seller, reversing any credits to the seller’s payment account balance, charging the seller's credit card on file, charging the seller’s bill, or seeking reimbursement from the seller by any other lawful means, including by using third-party collections services. You authorize us to use any or all of the foregoing methods to seek reimbursement.

9. Payment Processing Fees

A. Overview. charges a fee (the “Payment Processing Fee”) for processing each transaction through Payments. The fee amount will be assessed on the gross order amount, including shipping and tax (if applicable). Payment Processing Fees will be reflected in your payment account. Unlike other fees charged by, the Payment Processing Fee will be deducted from the total amount of the payment at the time the payment is considered complete. We reserve the right to modify the Payment Processing Fee at any time. In the event of any partial or full refunds credited back to a buyer, the Payment Processing Fee and other applicable fees will be recalculated based on the adjusted sale price. The difference between the original Payment Processing Fee and the adjusted Payment Processing Fee will be applied to the refund amount being credited back to the seller. Other applicable fees will be refunded on the seller’s bill.

B. Fee Amount. Payment Processing Fees for USA based sellers and Non-USA based sellers are 2.9% + $0.30 USD.

C. Interest. In the United States, may earn interest or other compensation from the balances in our bank accounts that result from the timing difference between our being paid by buyers and our bank account being debited to pay payment account Available Balances to sellers.

10. Reporting Obligations

Internal Revenue Service regulations require that we file a Form 1099-K to report unadjusted annual gross sales information for sellers located in the United States or being paid in USD that meet both of the following thresholds in a calendar year (reporting):

A. More than $20,000 USD in gross sales, and

B. More than 200 transactions.

To comply with these regulations, sellers who approach 150 (one hundred and fifty) transactions in a calendar year, regardless of sales volume and aggregated across his or her Shops, will be required to provide taxpayer-identification information to

11. Termination

Sellers may terminate this contract and their acceptance of Payments at any time by adjusting the Settings in their account with may also terminate or suspend a seller’s use of Payments at any time.

Upon termination, any non-disputed available balance will be deposited into a seller’s bank account. reserves the right, upon termination of access to Payments, to set off against any payments to be made to the seller, an amount determined by us to be adequate to cover any anticipated chargebacks, refunds, adjustments or other amounts that might be paid to buyers in connection with purchases from the seller's payment account for a prospective 180-day period. At the end of the 180-day period following termination, we will disburse to the seller any amount not used to offset chargebacks, refunds, adjustments, or such other amounts paid to buyers, or seek reimbursement from the seller via any of the means authorized in this Policy for any additional amount required to offset chargebacks, refunds, adjustments, or other amounts paid to buyers, as applicable.

Last updated on May 30, 2017