Terms of Service

LootMerchants is a marketplace. Independent sellers list their own offers; we are not the seller and we do not own the goods being traded. We operate the platform, hold payment in escrow, and resolve disputes between the two sides of a trade.

This means a contract for the goods forms between buyer and seller. Our obligations to you are the ones set out on this page - running the escrow honestly, releasing funds as described, and handling disputes.

Most games prohibit selling accounts, currency, or items for real money in their own terms of service. Trading on this platform may breach the rules of the game you are trading in, and the publisher may suspend or ban the account involved.

We do not control and cannot appeal a publisher's decision. A publisher ban is not, on its own, grounds for a refund once delivery has been confirmed. Decide with that risk in mind.

You must be old enough to enter a contract where you live, and the details on your account must be accurate. You are responsible for activity under your account, so keep your credentials to yourself and enable two-factor authentication if you are trading regularly.

We may suspend or close an account that breaks these terms, is used for fraud, or is the subject of repeated well-founded reports.

When you pay, the money goes into escrow - it is not paid to the seller yet. Once the order counts as delivered you have an inspection window in which to confirm delivery or open a dispute. Confirming releases the funds to the seller. If you do nothing, the funds release automatically when that window expires.

When an order counts as delivered depends on the listing, and the offer page and checkout tell you which kind you are buying. On a listing the seller fulfils by hand, it is when the seller marks the order delivered, and the window starts then. On a listing we deliver for the seller - shown as Instant Delivery or Account Transfer, where the details are handed to you the moment you pay - the order is recorded as delivered at that point, and the window starts from payment, whether or not anything usable actually reached you. So on those listings, check straight away and dispute inside the window if what you got is missing or wrong.

On a hand-fulfilled listing, if the seller never marks the order delivered the money is not released to them when the window runs out - it stays in escrow, and the order stays open. You can still act on it: once the seller has started work on your order you can confirm delivery yourself, which releases the funds, or you can open a dispute. An order you have paid for cannot be cancelled by you on your own, so a dispute is the route if nothing arrives.

The length of that window varies by what you are buying - account trades carry a longer window than items - and, for account trades, with the seller: their rank, and whether they are an established seller (see Selling below), whose account trades carry a window of at most 5 days. Checkout shows you the length that applies at that moment as a guide; the window is fixed when your payment settles, from the seller's rank and status at that point, so it can differ from the figure quoted if either changes in between. Once fixed, the window does not shorten on its own. We may end it early where we resolve an order administratively - settling a dispute, or acting on a fraud or takedown investigation.

Sellers must be able to deliver what they list, deliver within the time they advertise, and keep communication on-platform. Payouts run through Stripe, which requires you to complete its onboarding and identity checks before you can withdraw.

You become an established seller once your record over the last 180 days shows at least 200 paid orders and $3,000 in completed sales, with no more than 15% of those orders cancelled or refunded, and your payouts are set up and your identity verified through Stripe. The buyer's inspection window on your account sales is then at most 5 days, whatever your rank. We review the status daily: once established, you keep it while you have at least 150 paid orders and $2,250 in completed sales with at most 20% cancelled or refunded, and you lose it at the next review if your payouts or identity verification lapse. A change applies to orders paid after it, never to one already paid.

Moving a trade off-platform removes the escrow protection that both sides rely on. Asking a buyer to pay by another method is grounds for suspension.

You keep ownership of what you upload. But you warrant that you hold all rights necessary to upload and display any image, text, or other material you submit - listing images, delivery proof, dispute evidence, messages - and you indemnify us against any third-party claim arising from that material.

You grant us the licence we need to host and display that material on the platform for the purpose of running the trade. We may remove submitted material at our discretion, including on receipt of a report under our Notice & Takedown process.

Game titles, trademarks, and logos shown on this site are the property of their respective owners. LootMerchants is not affiliated with, endorsed by, or sponsored by any game publisher.

A service fee is added to the order total at checkout and is shown to you before you pay. If you pay in cryptocurrency, a processing fee is added on top of it and appears as its own line in the same summary.

The buyer service fee covers the cost of running the trade - payment processing, escrow, and dispute handling - and is not returned once the sale has gone through, including where the goods are later refunded. A refund returns the price of the goods. The crypto processing fee is different: it goes to the payment processor rather than to us, and it is not returned on any refund, including where an order is cancelled before delivery.

How much comes back is set out here; how it reaches you depends on how you paid, and is set out under Disputes and refunds below. Read that before choosing cryptocurrency at checkout.

Sellers pay a commission on completed sales, which scales with seller rank; the rate applied to an order is the one in effect when the order is placed. A withdrawal fee is deducted when a seller moves their balance out, charged as a percentage of the amount withdrawn subject to a minimum, and shown in the withdrawal form before you confirm.

The rates in force are the ones displayed at the point you incur the charge - the checkout summary for a buyer, the withdrawal form for a seller. This section describes which charges exist, not their current rates.

If delivery does not arrive, is incomplete, or is not what was described, open a dispute. You can do that at any point while the order is still open - that is, until the funds leave escrow. Once the order counts as delivered, that means before the inspection window runs out, because the funds release automatically at the end of it. On a listing we deliver for the seller (Instant Delivery or Account Transfer) the order counts as delivered from the moment you pay, so that window is already running even if what you got is unusable.

The one case with no deadline on you is a hand-fulfilled listing the seller never marks delivered: nothing releases on its own, so you can dispute whenever it becomes clear nothing is coming. Do not rely on that unless the order page shows the seller has not marked delivery.

Both sides are asked for evidence, and we decide on what we can see. The outcome is a release to the seller, a refund to the buyer, or a split.

How a refund is paid depends on how you paid for the order, and the two are not equivalent. If you paid by card, we reverse the payment through Stripe and the money returns to the card you used. If you paid in cryptocurrency there is nothing we can reverse, so we credit the refund to your wallet balance on this platform instead. That credit is platform balance, not money returned to you.

Today that balance cannot be spent at checkout, and paying it out runs through Stripe, which is available only on a seller account that has completed Stripe's onboarding and identity checks. So on a buyer-only account a cryptocurrency refund currently sits as a credit you can neither withdraw nor spend. If it matters to you that a refund comes back as money, pay by card.

We may hold funds in escrow beyond the normal window where an order is under investigation for fraud, is the subject of a takedown notice, or where a legal request requires it. Where we do, both sides are notified.

• Sell goods you cannot deliver, or that are not yours to sell.
• Sell accounts obtained by fraud, phishing, or chargeback.
• Move payment off-platform, or ask another user to.
• Use another person's payment method without authority.
• Submit false disputes, false reports, or false counter-notices.
• Scrape, overload, or attempt to break the platform.

These are the clearest cases rather than a complete list. Anything that defrauds another user or defeats the escrow is covered whether or not it appears above.

To close your account, write to legal@example.com - there is no self-serve closure today. You must settle open orders first: an account with funds in escrow or an unresolved dispute cannot be closed until those finish. We may suspend an account immediately where there is a real risk of harm to another user, and otherwise after notice.

We provide the platform as it is. We do not warrant that any particular seller will perform, that a game publisher will permit a trade, or that the service will be uninterrupted. Nothing here limits liability that cannot be limited by law, including for death, personal injury, or fraud.

Where liability can be limited, ours is limited to the value of the order the claim relates to.

We may update these terms. Where a change materially affects your rights we will tell you before it takes effect, and the date at the top of this page always reflects the current version. Continuing to use the platform after a change means you accept it.

These terms are operated by the operator of LootMerchants. For questions about them, write to legal@example.com.