Credit/Debit Cards:

• Visa
• Mastercard
• American Express
• Discover
• JCB
• UnionPay

Digital Wallets:

• PayPal
• Apple Pay
• Google Pay
• Skrill
• Neteller

Cryptocurrency:

• Bitcoin (BTC)
• Ethereum (ETH)
• USDT (Tether)
• USDC
• Litecoin (LTC)

Platform Balance:

• PoshSkins Wallet balance
• Earnings from previous sales
• Promotional credits

Transaction Flow:

• Buyer initiates purchase
• Payment authorization obtained
• Funds held in escrow
• Steam trade initiated
• Item delivery confirmed
• Payment released to seller
• Platform fee deducted

Processing Times:

• Card payments: Instant
• PayPal: Instant
• Cryptocurrency: 1-3 confirmations
• Bank transfers: 1-3 business days
• Seller payouts: 24-48 hours

Currency Support:

• Primary currency: USD ($)
• Multi-currency display available
• Real-time exchange rates
• No hidden conversion fees
• Transparent pricing in checkout

Pricing Structure:

• Listed price is what buyer pays
• Platform fees charged to seller only
• No additional buyer fees
• VAT included where applicable
• Currency conversion at market rates

Wallet Features:

• Instant deposits via all payment methods
• Hold sales proceeds
• Pay for purchases with balance
• Withdraw to bank or PayPal
• View transaction history
• Real-time balance updates

Withdrawal Options:

• Bank transfer (2-5 business days)
• PayPal (instant - 24 hours)
• Cryptocurrency (1-2 hours)
• Minimum withdrawal: $10 USD
• Maximum daily withdrawal: $10,000

Platform Fees (Seller):

• Common items: 4%
• Standard items: 5%
• Rare items: 5%
• Immortal items: 6%
• Arcana items: 7%

Payment Processing Fees:

• Deposits: Free
• Purchases: Included in price
• Withdrawals to bank: $2.50
• PayPal withdrawals: 2.5%
• Crypto withdrawals: Network fee only

Other Fees:

• Chargebacks: $25 + disputed amount
• Currency conversion: Market rate
• Inactive account (12+ months): $5/month
• Premium seller verification: Free

Payment Security:

• PCI DSS Level 1 compliance
• 256-bit SSL encryption
• 3D Secure authentication
• Tokenized card storage
• Two-factor authentication
• Fraud detection systems
• Regular security audits

Account Protection:

• Login alerts for new devices
• Withdrawal confirmations via email
• Spending limits available
• IP-based restrictions
• Session timeout controls

Refund Eligibility:

• Item not delivered within 24 hours
• Wrong item delivered
• Item significantly not as described
• Technical platform errors
• Duplicate charges

Dispute Process:

• Contact support within 48 hours
• Provide transaction details
• Submit evidence if required
• Investigation within 72 hours
• Resolution or escalation
• Refund processed if approved

Refund Timeline:

• Wallet balance: Instant
• Credit cards: 5-10 business days
• PayPal: 3-5 business days
• Cryptocurrency: Non-refundable

Chargeback Policy:

• We actively dispute fraudulent chargebacks
• Account suspended during investigation
• $25 fee for lost chargeback disputes
• Evidence required from both parties
• Permanent ban for chargeback fraud

Prevention Measures:

• 3D Secure verification
• CVV verification
• Address verification (AVS)
• Device fingerprinting
• Transaction velocity checks

Tax Handling:

• VAT collected where required by law
• Sellers responsible for income tax
• Tax invoices provided on request
• Annual transaction reports available
• W-9/W-8 forms for US sellers

VAT/GST:

• EU VAT included in prices
• UK Company number: 16553071
• Reverse charge for B2B EU transactions
• GST compliance for applicable regions

Transaction Limits:

• Unverified accounts: $500/day
• Email verified: $2,000/day
• Phone verified: $5,000/day
• KYC verified: $50,000/day
• Single transaction maximum: $10,000

Geographic Restrictions:

• Service not available in sanctioned countries
• OFAC compliance required
• Some payment methods region-specific
• Local regulations may apply

In case of payment errors:

• Automatic retry for failed transactions
• Email notification of issues
• 24/7 payment support available
• Manual processing available
• Alternative payment methods suggested

Our payment processing complies with:

• PCI DSS standards
• EU Payment Services Directive (PSD2)
• Strong Customer Authentication (SCA)
• Anti-Money Laundering regulations
• Know Your Customer (KYC) requirements
• GDPR data protection