Earn access. List honestly. Fulfil carefully.

1. Relationship to the Terms

This Seller Agreement forms part of the Terms of Use. If there is an inconsistency, this Agreement applies to selling and trade activity. “Seller” includes a user offering a card for money, trade or a card-and-cash exchange.

2. Eligibility and verification

You must be at least 18, reside in Australia and provide accurate identity, contact, address and—where applicable—business and tax information. CardQuay may require identity verification, an invitation, transaction history, proof of ownership, an interview, a security deposit or enhanced checks. You authorise us and our verification providers to use supplied information for those purposes.

A security deposit will never be required without separate written terms stating its amount, purpose, who holds it, when it may be applied and how and when it is returned. Do not send a deposit in response to an informal message.

3. Seller status

You must accurately tell us whether you sell privately or in trade or commerce and update that status if circumstances change. Business sellers must provide required registration details and comply with the Australian Consumer Law. CardQuay may correct or restrict a status that appears inaccurate.

4. Ownership, authenticity and images

You promise that you own every listed card, have the right to transfer it and that it is not counterfeit, stolen, subject to an undisclosed security interest or otherwise prohibited. Images must be your own or lawfully used and must show the actual card. Stock images are not permitted unless CardQuay specifically authorises them and the listing makes this clear.

5. Accurate condition and grading

Disclose visible and known defects, alterations, restoration, trimming, recolouring, surface damage, print lines, creases, dents and case damage. A raw card must not be presented as having an official grade. Certification numbers must be accurate and must not be reused for another card. CardQuay may request front, back, edge, serial-number or timestamped images.

6. Pricing and availability

Prices must be genuine, in AUD and inclusive of any amount required by law. Shipping and future platform or processing fees must be disclosed before commitment. Do not manipulate prices, create fake sales or arrange with another account to create misleading activity. Remove or update cards that are sold, reserved or unavailable.

7. Orders and fulfilment

Respond promptly, use the confirmed delivery information and dispatch within three business days unless a different handling time was accepted. Follow the Shipping Policy, retain proof of dispatch and cooperate with delivery enquiries. Do not ask a buyer to pay through an undisclosed method to avoid platform processes or fees.

8. Returns, refunds and disputes

You must respond to buyer cancellation, return and dispute requests in good faith, preserve evidence and provide remedies required by law or your stated policy. CardQuay may reverse a connected-account transfer and refund the associated platform fee when a CardQuay checkout refund is approved. Stripe's connected-account terms govern chargebacks, dispute evidence, negative balances and payment-provider obligations. You must complete Stripe onboarding before receiving payment through CardQuay.

9. Trades

Only offer cards you own and can dispatch. Do not substitute cards after acceptance. Any cash adjustment and shipping arrangement must be recorded in the confirmed proposal. You are responsible for packaging, tracking and promptly reporting a failed or unsafe trade.

10. Fees, tax and records

The CardQuay platform fee is zero during beta. Future fees will be disclosed before they apply. You are responsible for payment-processing charges allocated to your connected account and for determining GST, income-tax, business-registration, record-keeping and reporting obligations.

11. Monitoring and enforcement

CardQuay may review listings and transaction patterns, request additional evidence, limit volume, delay publication, hold or remove listings, restrict seller access or suspend an account where reasonably necessary. Verification reduces risk but is not an endorsement or guarantee to buyers.

12. Ending seller access

You may stop listing at any time after completing open commitments. CardQuay may withdraw access for policy breaches, verification failure, excessive disputes, unresolved negative balances, safety concerns or legal requirements. Obligations relating to completed transactions, refunds, disputes and records survive.