# Swappa Payments, Questions and Answers > Swappa uses PayPal for secure payments. Learn more about how payments work on Swappa. ## How do fees work on Swappa? [Swappa marketplace fees](https://swappa.com/fees) are simple, transparent, and lower than the competition. Each party (seller and buyer) pays a flat 3% Swappa sale fee. * **Sellers pay 3%** of the Ask Price. So if you list an item with a $100 ask price, you pay $3 to Swappa and receive a payment of $97 (minus PayPal payment processing fees). * **Buyers pay 3%**, which is added to the seller's Ask Price when setting the Listing Price. In other words, a listing with a $100 Ask Price will have a $103 listing price. The buyer then pays $103 plus tax [(when required)](https://swappa.com/faq/answer/taxes). **See also:** [What is a PayPal Partner Fee?](https://swappa.com/faq/answer/partner-fee) **Note:** Buyers with international PayPal accounts are expected to cover any additional costs a seller may incur over the domestic 3.49% + $0.49 PayPal fee. Sellers should explain this adjustment in a comment on the private sale page. ## How do shipping addresses work on Swappa? Swappa uses the shipping address the buyer enters during the checkout process. The buyers shipping address is then passed to PayPal, and per PayPal policies, sellers are required to ship to this address in order to maintain eligibility for PayPal protections. Buyers can also add and edit their shipping address through the [My Addresses page](https://swappa.com/my/profile/addresses) on your Swappa profile. ** Can I change my address after checkout?** No, Swappa does not support changing or updating your shipping address after the payment has been sent. However, if the seller is comfortable shipping to a different address, the buyer can supply the address in a comment on the [private sale page](https://swappa.com/faq/answer/sale-page). ## What payment methods are supported on Swappa? Swappa primarily uses PayPal for payments due to its seller protections, buyer protections, and dispute resolution process. * Sellers are required to have a PayPal account Buyers have two primary options to make payments through PayPal: * Buyers can check out using any available funding source linked to their PayPal account (bank account, debit card, credit card, PayPal balance, etc) * Buyers can check out as a PayPal guest using a credit or debit card by clicking the PayPal button and then clicking Pay with Debit or Credit card Select Swappa sellers also accept credit card payments through Stripe. * Stripe can be used by entering your credit card details directly on the Swappa checkout page. * Sellers that are interested in accepting Stripe payments can learn more here: [Stripe Payments available for Power Sellers and Enterprise Sellers](https://swappa.com/blog/stripe-payments-available-for-power-and-enterprise-sellers/) ## What happens if a device I purchase gets blocked in the future? Swappa prevents blocked devices from being listed in our marketplace thanks to our [listing review process](https://swappa.com/faq/answer/listing-reviewed-approved) and our [device criteria requirements](https://swappa.com/faq/answer/listing-device-criteria). However, in the uncommon event that a device gets blocked after it was purchased, the first step is to [report the problem](https://swappa.com/faq/answer/not-as-advertised) to the seller. Sellers must resolve this type of issue to keep their Swappa account in good standing. * If a seller is uncooperative with resolving an issue like this, buyers are covered by PayPal's payment protections through the dispute resolution process. These [PayPal payment protections](https://www.paypal.com/us/webapps/mpp/paypal-safety-and-security) are valid for up to 30 days from purchase. * If this issue is reported outside of PayPal’s protection period, the seller is expected to provide reimbursement based on the current market value of the device, or to provide a comparable replacement device. If the seller is unwilling to resolve the issue as per Swappa policy, many payment sources (e.g., banks, credit card companies, etc.) offer additional protections that can be taken advantage of. ## What is a marketplace facilitator? A Marketplace Facilitator is defined as a marketplace that contracts with third party sellers to promote the sale of physical property, digital goods, and services through a marketplace. As a result, Swappa is deemed to be a marketplace facilitator for third-party sales facilitated through swappa.com. Swappa is required by law to calculate, collect, and remit sales tax on behalf of sellers for transactions destined to states where Marketplace Facilitator and/or Marketplace collection legislation is enacted. ## What is a PayPal Partner Fee? The ["partner fee”](https://swappa.com/blog/what-is-a-paypal-partner-fee/) you see on the PayPal transaction is a combination of the Swappa seller fee, buyer fee, and sales tax (if applicable). * **Seller fee:** 3% of the seller's Ask Price. The seller fee is paid by the seller. * **Buyer fee:** 3% of the seller's Ask Price. The buyer fee is paid by the buyer. * **Sales tax:** The sales tax amount is based on individual [state requirements](https://swappa.com/taxes). The sales tax is paid by the buyer and remitted to the appropriate state by Swappa. As a seller, the amount you receive is based on the [Ask Price](https://swappa.com/faq/answer/ask-price) you set when creating your listing. Your payout will be your Ask Price minus Swappa’s seller fee (3%) and PayPal’s transaction fee (3.49% + $0.49 of the total order amount). ## What is a freight forwarding / reshipper company? A freight forwarder is a middleman delivery service between a seller in one country and a buyer in another country. Reshipping companies are typically located in the United States. They receive and forward the item to a buyer who is located outside the United States. [International buyers](https://swappa.com/faq/answer/buy-international) are allowed to purchase on Swappa if they provide a US shipping address and pay with a US-based payment source. Buyers can use a freight forwarding service as their US-based address. We have directly partnered with two freight forwarders: [Stackry](https://swappa.com/partners/stackry): Gives you a U.S. address, consolidates orders, and ships to over 200 countries. Also check out our blog post - [Stackry partnership blog.](https://swappa.com/blog/swappa-partners-with-stackry-to-simplify-international-shipping/) [QuickBox USA](https://swappa.com/partners/quickboxusa): Offers direct support for select Central American countries. If not using one of our partners listed above, or not purchasing supported listings, users must ask permission from the seller **before** purchasing. * If a buyer doesn’t get the seller’s permission, the seller may cancel the sale withhold an amount equal to the PayPal fee during the refund. * Sellers are not responsible for lost or mishandled packages once the item is delivered to the freight forwarding company. * The seller is not responsible for international shipping costs to have the device returned if the buyer used a freight forwarding service. * If the comments section is closed or otherwise unavailable, that listing cannot be purchased using a freight forwarding address. **Note:** PayPal seller protections still apply when using freight forwarding, as long as the device is shipped (with tracking and insurance) to the address provided by PayPal from the buyer’s PayPal account. ## Does Swappa allow sellers to charge a restocking fee? Yes, sellers are permitted to charge a reasonable restocking fee in [buyer's remorse](https://swappa.com/faq/general/buyers-remorse) situations, provided the restocking fee is clearly mentioned in the listing description. Swappa does not allow restocking fees when they were not clearly advertised on the listing page prior to purchase. Swappa defines buyer's remorse as any time a buyer cancels a sale or returns a device, through no fault of the seller. ## Can I back out of a purchase or sale? **To request cancellation as a buyer:** Leave a comment on the [sale page](https://swappa.com/faq/answer/sale-page) asking the seller if they are willing to cancel the sale and issue a refund. Please note that Swappa considers all purchases to be final and binding, and sellers are not obligated to refund due to a decision change. Note that PayPal no longer refunds its seller fee when the seller issues a refund. In cases of [buyer’s remorse](https://swappa.com/faq/answer/buyers-remorse), the seller can withhold that fee from the refund. **To cancel a sale as a seller:** First comment on the [sale page](https://swappa.com/faq/answer/sale-page/) for the transaction and inform your buyer on why you won't be fulfilling the sale. You should then promptly [refund your buyer’s full payment](https://swappa.com/faq/answer/how-to-refund-paypal) and let our support team know when the refund has been issued. Alert our support team by leaving another comment on the sale page and checking the "I need help (alerts Swappa Staff)" box. ## Why can't I submit a payment for a listing? If you're unable to submit a payment, this is typically related to a few different things: * An issue with your PayPal account (such as not being fully verified) * An issue with your payment source (bank, credit or debit card company, etc.) * An issue with the seller's PayPal account not being able to receive payments Most payment issues are related to limitations with a buyer's PayPal account or payment source, so we always recommend contacting PayPal and your financial institution (bank, credit/debit card company, etc.) to confirm everything is good to go on your end. If you're still having trouble submitting payments after following these steps, please [contact our support team](https://swappa.com/help) and provide the following information: * A link to the listing you're attempting to purchase * The error message you're receiving when trying to submit a payment When possible, please provide a screenshot of the transaction in your PayPal account (if the transaction went through), or a screenshot of the problem (error message) you see when trying to make a purchase. With this information, we will be able to offer further assistance and get you pointed in the right direction. ## Does Swappa charge sales tax? Due to current US marketplace facilitator tax laws, Swappa is required to calculate, collect, and remit sales tax on behalf of sellers in specific states. * Marketplace facilitator taxes are usually calculated according to the buyer’s shipping address. * Sales tax is calculated based on the total purchase amount. If you are a buyer with a valid tax exemption certificate, please contact our [help desk](https://swappa.com/help) before making a purchase. If you are a seller living in a state without marketplace facilitator tax legislation and need to charge sales tax for same-state buyers, please contact our [help desk](https://swappa.com/help). **Read more:** [Which states require marketplace facilitator taxes?](https://swappa.com/faq/answer/state-sales-tax) ## Why am I unable to purchase a listing due to a buy lock? A "buy lock" or a “listing is temporarily unavailable” error occurs when two or more users are trying to purchase the same listing. If you receive an error that mentions a buy lock or notes that a listing is unavailable for purchase, please wait for about 10 minutes and try again. If the error persists, please reach out to our support team via our [help desk](https://swappa.com/help) (and include a link to the listing, the error message you received – and if possible, a screenshot). ## Should I file a PayPal dispute if there's a problem with my purchase? Issues are rare, but when there is a problem, buyers should first send a message to the seller on their private sale page. Most sellers willingly address any issues and work towards an amicable resolution with the buyer. If a seller is unwilling to work with the buyer, or a mutual agreement cannot be reached, a PayPal dispute is the next step. Disputes should only be used when a resolution cannot be reached through discussion on the private sale page, and only be opened if you're instructed to do so by our support team. Please also note that payments should never be reversed or disputed directly with your payment processor (bank or credit card company) without explicit permission from our staff. This can complicate the process, especially since PayPal directly provides payment protections. Additionally, reversing a payment or disputing a payment directly with your payment processor (bank or credit card company) without explicit permission from Swappa staff may result in your Swappa account being restricted or terminated. ## How does PayPal help keep you safe on Swappa? PayPal payments enable Swappa to offer several additional protections not available through other payment methods. For instance, if a purchase never shows up and the seller can’t provide proof of shipment or delivery, you’ll get a full refund. If you are unhappy with a purchase or sale, contact [Swappa Support](/help), and we’ll help you figure out whether you need to file a PayPal dispute. ## How do I open a PayPal dispute? If you have already contacted Swappa Support and are unable to come to a resolution with a seller, you may need to open a PayPal dispute. Filing a PayPal dispute is simple. Log into your PayPal account and head over to the [PayPal Resolution Center](https://www.paypal.com/fk/cgi-bin/webscr?cmd=_complaint-view). Click “Dispute a Transaction” and select the appropriate item to open a dispute. Please note that all disputes for receiving an item significantly not as described must be opened within 30 days of receiving the item. Learn more about [PayPal Dispute Resolution](https://www.paypal.com/fk/webapps/mpp/security/buyer-protection-resolution). Dispute Timeframes: Item Not Received: Dispute must be opened within 180 days of the date you sent the payment to the seller. Significantly Not as Described: Dispute must be opened within 30 days of the date of delivery or fulfillment (as applicable) of an order or within 180 days of the date you sent the payment to the seller, whichever is sooner. Unauthorized transactions and Other Errors: Dispute must be opened within 60 days after provided with your PayPal account statement. ## What is PayPal verification? We recommend that all sellers get [verified with PayPal](https://www.paypal.com/us/smarthelp/article/how-do-i-verify-my-paypal-account-faq444). Verifying your PayPal account helps prove that you own the financial details (bank account, etc) added to your PayPal account and can help to remove limitations put in place by PayPal, such as temporary holds on payments. ## How can I issue a refund via PayPal? PayPal's [support page](https://www.paypal.com/us/smarthelp/article/how-do-i-issue-a-full-or-partial-refund-faq780) details the steps required to issue a full or partial refund. Please keep the following points in mind when issuing a refund: * PayPal may require sellers to cover the PayPal seller fee when issuing a refund, as per their policies. As a result, sellers may have to add funds to their PayPal account prior to issuing a refund. * Always reach out to [PayPal support](https://www.paypal.com/us/smarthelp/home) for assistance if you experience any problems when issuing a refund. * Always inform the Swappa support team on your private sale page or by using our [help desk](https://swappa.com/help) whenever a refund is issued. ## What is PayPal for Marketplaces? PayPal for Marketplaces simplifies the selling process, and it is required for all Swappa sellers. You can configure and authenticate your Swappa account for PayPal for Marketplaces from within your Swappa profile. Visit the [PayPal Settings page](https://swappa.com/my/profile/paypal) and click the "Link your PayPal account" button to get started. Learn more about PayPal for Marketplaces in our [blog post](https://swappa.com/blog/swappa-and-paypal-for-marketplaces/). ## More Questions and Answers - [Marketplace FAQ](https://swappa.com/faq/marketplace.md) - [Buying FAQ](https://swappa.com/faq/buying.md) - [Selling FAQ](https://swappa.com/faq/selling.md) - [Payments FAQ](https://swappa.com/faq/payments.md) - [International FAQ](https://swappa.com/faq/international.md) - [Shipping FAQ](https://swappa.com/faq/shipping.md) - [Devices FAQ](https://swappa.com/faq/devices.md) - [Warranty FAQ](https://swappa.com/faq/warranty.md) - [ESN Check FAQ](https://swappa.com/faq/esn.md) - [Trade-In FAQ](https://swappa.com/faq/trade-in.md) - [AirPods FAQ](https://swappa.com/faq/airpods.md)