Seller Agreement

Carder is a marketplace that connects buyers and sellers. When a buyer purchases your item, the contract of sale is formed directly between you and the buyer. Carder is not a party to that contract. We provide the platform, payment facilitation through Stripe, and dispute-handling tools. We do not buy your items from you and we do not sell them to the buyer. You, not Carder, are responsible to the buyer for the item, its description and condition, and — where you sell as a business — the statutory rights that apply to the sale.

• You must be 18 or over and resident in the United Kingdom
• You sell either as a private individual or as a sole trader. You must tell us, truthfully, which you are, and keep that information up to date, because it affects your buyers' legal rights
• You must complete seller onboarding, including connecting a Stripe account for payouts, and you must be eligible to hold a Stripe Connect account under Stripe's terms of service. You are also subject to Stripe's Connected Account Agreement

By listing a card, you confirm that:

• You own the card and have the right to sell it
• The card is genuine and not counterfeit
• The card is not stolen or otherwise illegally obtained
• The condition description and any photos accurately represent the card

• You must dispatch orders promptly. The app flags orders as urgent after 48 hours without dispatch action
• You must enter the carrier and tracking number when dispatching any tracked order
• You must not cancel orders except where genuinely unable to fulfil them (e.g. the card has been damaged or lost since listing). See section 9 for the financial effect of a cancellation after payment
• If you do not confirm an order within the time shown in the app, it may be automatically cancelled and the buyer refunded, with the amount recovered from you as set out in section 9. You will be warned before any automatic cancellation. If you are unable to fulfil orders for a period, use away mode to pause taking new orders

Settled funds are subject to a short clearing period (currently 5 days from the point of sale) before they can be withdrawn to your bank. This is a standard, time-based clearing period — it is not conditional on the buyer confirming receipt or on dispatch. After the clearing period, you withdraw your balance to your bank account yourself, through your dashboard, subject to any minimum payout amount and to Stripe's processing times.

Your payment is calculated as the card price, less the Carder fee, plus the delivery charge in full. The Carder fee applies to the card price only — delivery is passed through to you in full. Carder absorbs Stripe's payment-processing fees.

• Standard seller fee: 7% of the card price (delivery excluded)
• Founding 100 sellers: 3.5% of the card price for the first six months, on the terms of the Founding 100 offer (first 100 approved sellers who list 100 or more cards within 30 days of joining)
• The fee rate that applies to an order is fixed at the time the order is created and is shown in your earnings breakdown for that order
• The small-order fee on baskets under £5 is paid by the buyer and retained by Carder; it is not deducted from your payment

• Where a buyer is entitled to a refund (for example a faulty, damaged, or not-as-described item, or a valid cancellation), the refund is funded from your sale proceeds
• Carder may issue the refund to the buyer and recover the corresponding amount from you by reversing the payment that settled to you. You authorise Carder to make this reversal.
• If an order is cancelled after you have been paid — for example if you cancel before dispatch, or an order is automatically cancelled because you did not confirm it in time — the buyer is refunded and the amount is recovered from you in the same way
• If your balance does not cover the amount being reversed (for example because you have already withdrawn the funds), your account will go into a negative balance. You authorise Carder to recover that negative balance from your current and future sale proceeds. If you stop selling while owing a negative balance, the amount remains a debt you owe to Carder
• If a buyer raises a card chargeback through their bank, you are responsible for the disputed amount and any associated fee, and the same recovery rights apply

• List items accurately, including condition, and provide required photographs
• If you sell as a business (a sole trader acting in the course of business), your buyers have statutory rights including, in most cases, the short-term right to reject faulty goods within 30 days under the Consumer Rights Act 2015 and a 14-day cancellation right under the Consumer Contracts Regulations 2013. You are responsible for honouring these
• If you sell as a private individual, those business-to-consumer statutory rights generally do not apply, but the item must still match its description and you must deal with buyers honestly

Buyers can raise a problem with an order within 30 days of delivery using Carder's in-app dispute process. You agree to engage with that process. Carder may help mediate, may decide a dispute where you and the buyer cannot agree, and may issue a refund recoverable from you under section 9. For sealed products, opening verification may be used as described in the Terms of Service. Carder's decision is made in good faith to resolve the matter; it does not make Carder a party to the sale.

We may pause your payouts, suspend your selling, or remove your account where you breach this agreement, where there is a risk of loss to buyers or to Carder, or where required to keep the marketplace safe and lawful, or where your Stripe Connect account is suspended or restricted by Stripe. Pausing payouts is a risk measure and does not change your entitlement to funds already settled to you, subject to Carder's recovery rights in section 9.

The prohibited-conduct rules in the Terms of Service apply to you as a seller, including the prohibitions on counterfeit or stolen items, fee circumvention, review manipulation, and false condition descriptions. Breach may result in immediate suspension.

We may update this agreement and will give reasonable notice of material changes. Continuing to sell after a change takes effect means you accept the updated agreement.

This agreement is governed by the law of England and Wales, and the courts of England and Wales have jurisdiction, as set out more fully in the Terms of Service.