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Protected payment: how it works, step by step

Published on June 21, 2026· Équipe SoukDirect

Every private-to-private transaction runs into the same fear, mirrored: the buyer dreads paying and receiving nothing, the seller dreads shipping and never being paid. As long as each side waits for the other to take the first risk, nothing happens — or worse, one of them accepts a "trust me" bank transfer that ends badly.

Protected payment removes the deadlock by placing a third party between the two: the platform collects the money, holds it, and releases it only once reception is confirmed. Neither buyer nor seller needs to trust a stranger — both trust the circuit. Here is how it works, step by step, and how to get the most out of it on both sides.

The circuit, in four steps

  1. The buyer pays online when the deal is agreed: the amount is immediately held by the platform. The seller can see the funds are secured — this sale is serious.
  2. The seller hands over the item, in person or by shipping, knowing the money exists and is waiting.
  3. The buyer confirms reception after checking the item matches the listing.
  4. The seller receives the funds, in full, as soon as reception is confirmed.

At no point does the money travel directly from one stranger to another, and at no point does the seller depend on a stranger's goodwill to get paid.

Padlock resting on a computer keyboard
The funds stay in escrow until reception is confirmed: that lock is what protects both sides of the deal.

Buyer's side: pay without gambling

Your payment is not a leap of faith: until you confirm, the seller has not received a cent. On reception, take the time to check — switch the device on, count the parts, compare against the listing. Confirm only when everything matches: confirmation is the gesture that releases the funds, and it comes after inspection, never out of politeness or under pressure.

That reflex matters most in the categories classic frauds target first: tech, where you check the serial number and the carrier lock, and fashion, where authenticity is verified with the item in hand.

Seller's side: deliver without fearing non-payment

Protected payment replaces three well-known plagues: the fake transfer screenshot, the bounced cheque, and the "I'll pay you on delivery" buyer nobody ever sees again. The moment the buyer pays, you can see the funds held in escrow: you can ship with zero risk of non-payment. Keep a tracked proof of shipment — it is your key piece of evidence if a disagreement arises.

There is a quieter effect too: protected payment filters buyers. Someone who pays online at the moment of closing does not vanish the night before the pickup. Many sellers report fewer cancelled appointments and faster sales.

Hand delivery or shipping?

Hand holding a smartphone
At an in-person handover, the buyer confirms reception from their phone, on the spot: the sale ends in front of you.
Stacked shipping boxes
At a distance, tracked shipping documents every step — and serious packing prevents disputes on arrival.

The circuit covers both modes of handover. In person, the buyer inspects the item in front of you and then confirms from their phone: the transaction ends in your presence, with no cash on the table. At a distance, tracked shipping documents every step; pack seriously — our guide to packing and shipping a sale prevents the "arrived broken" disputes that spoil everything.

If a dispute arises: the procedure

If the item does not match — an unmentioned fault, a different size, a missing accessory — do not confirm reception. Open a dispute instead: you have fourteen days to do so, with photos and messages as evidence. The platform's messaging keeps every exchange timestamped — which is precisely why you negotiate and close inside the messaging, never outside it. A decision comes within 72 hours: refund to the buyer or release to the seller, based on the evidence.

Real disputes are rare, and most are settled amicably before any decision: a good-faith seller offers a gesture on their own when a fault is proven. But the procedure exists, and its very existence keeps behaviour honest.

The one absolute rule: stay inside the circuit

All of these protections hold on one condition: the payment goes through the platform. Anyone insisting on a direct transfer, gift cards or a deal "between us to avoid the fees" is really asking you to give up the escrow, the dispute process and the written record — the three things protecting you. It is warning sign number one in our guide to avoiding scams: outside the circuit, nobody can help you anymore. Report those requests from the very first message.

You now know exactly where the money sits at every step. All that is left is to sell: post your listing, enable protected payment, and let the circuit reassure your buyers for you. Our guide to selling in 7 days will do the rest.

Frequently asked questions

How does the marketplace work?

Sellers post their listings, and you contact them or buy directly online. Every listing goes through moderation before it is published.

Is online payment protected?

Yes. The platform holds the money and only releases it to the seller once the transaction is confirmed. If something goes wrong, the payout is frozen while we review.

How do I post a listing?

Create an account, click “Post an ad”, add your photos, category and price. Your listing goes live after review.

How much does it cost?

Posting a listing is free. Optional featured packages are available, and a commission is only charged on sales paid online.

How do I avoid scams?

Never pay outside the platform, be wary of unusually low prices, and prefer in-person handover in a public place. Report any suspicious listing.

What if there is a dispute?

Open a dispute from your order: the seller payout is suspended during the review and moderation decides based on the evidence.