Know who receives each payment.

1. Currency and disclosed amounts

Marketplace prices are in Australian dollars (AUD). Before a Direct Deal buyer pays, the transaction shows the card price, selected postage and any recorded insurance arrangement.

2. Direct Deal payment

The seller confirms availability and chooses one of their saved PayID or bank-transfer receiving methods. The buyer pays using those details, marks payment sent and uploads evidence. The seller must check their own account before confirming cleared funds. CardQuay records these actions but does not independently verify or reverse the transfer.

3. Safeguarded Trade service payment

Safeguarded Trade and its Stripe service-fee checkout are disabled while the service is being built and tested. CardQuay does not currently accept a new Safeguarded service or Extra Cover payment. Historical Stripe Sandbox records may remain for audit, but Stripe is not used to split card payments or pay sellers.

4. Planned payment flow after the check

If Safeguarded Trade launches, the buyer would pay the seller directly after CardQuay completes the planned visible-condition and description comparison. The seller would confirm cleared funds before CardQuay forwards the card. This planned check is not authentication or a guarantee of authenticity.

5. Receiving information

Seller receiving details are stored privately and are not displayed on a public profile. They are revealed only to the buyer at the appropriate step of a confirmed transaction. Members must not share passwords, security codes or more banking information than the selected payment method requires.

6. Refunds and disputes

A Direct Deal card payment refund must be arranged with the seller or the external payment provider because CardQuay did not receive that money. See the Returns & Refunds Policy and Dispute Process. Planned Safeguarded refund terms will be published before that service is enabled.

7. Legacy records

Historical Stripe Sandbox orders remain visible for audit and testing. They are not converted into wallets or seller payouts and do not create a current CardQuay percentage charge.

8. Security and reporting

Check the recipient carefully before paying and never send passwords or one-time verification codes. Report suspicious requests or account activity to wangliyuan020418@gmail.com.