Payments

Follow these safety guidelines to protect yourself when making or receiving payments:

• Always use WeddingClosetHub's payment system: Never pay outside the platform
• Avoid wire transfers: Never use Western Union, MoneyGram, or direct bank transfers
• Don't use PayPal Friends & Family: This option doesn't offer buyer protection
• Verify before paying: Ensure you're paying the correct amount for the correct item
• Keep records: Save all payment confirmations and receipts
• Report suspicious requests: Contact support if asked for unusual payments

By following these guidelines, you ensure your transactions are protected by our buyer/seller protection policies.

Buyer Protection:

When you pay through WeddingClosetHub, you're covered for up to $20,000 if:

• The item is significantly different from the description
• The item arrives damaged
• The item is counterfeit
• The item never arrives

Seller Protection:

PayPal Seller Protection covers eligible transactions when:

• A buyer claims the transaction was unauthorized
• A buyer claims they didn't receive the item (with valid tracking)

Not covered: Change of mind, sizing issues, and in-person transactions.

Never make payments outside of WeddingClosetHub.

If someone requests off-platform payment:

1. Politely decline and remind them payments must go through WCH
2. Do not share any personal payment information
3. Report the user to our support team immediately
4. Do not proceed with the transaction

Off-platform payments are not covered by our buyer/seller protection. Legitimate sellers understand and respect this rule.

Requests for additional payment after completing a transaction are a major red flag.

What to do:

• Do not send additional money - The agreed price should include everything
• Contact our support team immediately
• Keep all communication records as evidence
• Do not accept excuses like "shipping cost increase" or "customs fees"

All costs should be agreed upon before purchase. Any requests for extra payments may indicate fraudulent behavior and should be reported.

Buyer/Seller Protection is a safety net that covers transactions made through WeddingClosetHub's secure payment system.

How Buyer Protection Works:

1. Make your purchase through WeddingClosetHub
2. If an issue arises (item not received, significantly different, damaged), file a claim
3. Provide evidence and documentation
4. Our team investigates and resolves the dispute
5. If eligible, you receive a refund up to $20,000

How Seller Protection Works:

1. Ship items with tracking and delivery confirmation
2. If a buyer claims non-receipt or unauthorized transaction
3. PayPal investigates with your tracking evidence
4. If eligible, you keep your payment with no chargeback fees

The seller transaction fee refers to the charges applied when receiving payments through PayPal.

PayPal Transaction Fees:

• Domestic transactions: Typically 2.6% - 2.9% + fixed fee
• International transactions: Typically 3.6% - 3.9% + fixed fee

Example: For a $100 payment with 2.9% + $0.30 fee:

• Fee: $2.90 + $0.30 = $3.20
• You receive: $96.80

WeddingClosetHub Fees:

• One-time listing fee (paid upfront)
• 3% commission on sales

Factor these fees into your pricing strategy when setting your listing price.

Return policies vary by seller. Each listing should specify the seller's return terms.

General Guidelines:

• Many pre-loved items are sold as "final sale" with no returns
• Some sellers accept returns within a specified timeframe
• Return shipping is typically the buyer's responsibility
• Items must be returned in original condition

Buyer Protection Still Applies:

Even with a no-return policy, you're protected if:

• Item is significantly different from description
• Item arrives damaged
• Item doesn't arrive at all

Always review the seller's return policy before purchasing.

WeddingClosetHub offers secure payment options:

Accepted Methods:

• PayPal: Our primary payment method with full buyer/seller protection
• Credit/Debit Cards: Visa, Mastercard, American Express (processed through PayPal)

Important Notes:

• All payments must go through WeddingClosetHub's system
• Never use PayPal "Friends & Family" - no buyer protection
• Avoid wire transfers, money orders, or gift cards
• Bank transfers are not recommended due to lack of protection

Using our secure payment system ensures you're covered by buyer/seller protection.

If you're unable to request payments, it could be due to several reasons:

• Incomplete account setup: Ensure your PayPal account is verified and linked
• Account restrictions: Your account may have limitations that need to be resolved
• PayPal verification required: Complete any pending verification steps in PayPal
• Region restrictions: Some payment features may not be available in all regions
• Technical issues: Try logging out and back in, or clearing your browser cache

Steps to resolve:

1. Check your PayPal account status
2. Verify your email and identity on PayPal
3. Ensure your WCH account is complete
4. Contact our support team if issues persist

PayPal may place payments on hold for several reasons:

Common reasons for holds:

• New seller account: PayPal holds funds for new or infrequent sellers
• High-value transaction: Large transactions may trigger security holds
• Account activity changes: Unusual selling patterns can cause holds
• Buyer protection period: Funds held until delivery is confirmed

How to release funds faster:

• Add tracking information to your shipment
• Get delivery confirmation
• Build your seller history with positive feedback
• Verify your PayPal account completely

Holds typically release within 21 days or when delivery is confirmed. Contact PayPal directly for specific hold questions.

Keeping all communication within WeddingClosetHub is crucial for your protection:

Why stay on platform:

• Fraud monitoring: We actively monitor for suspicious activity
• Evidence for disputes: On-platform messages serve as proof if issues arise
• Buyer/seller protection: Off-platform communications aren't covered
• Quick support: Our team can assist immediately when conversations are on platform

Risks of off-platform communication:

• No record if disputes occur
• Easier for scammers to operate
• No protection from our support team
• Payments requested off-platform are never covered

If you're experiencing PayPal errors, try these solutions:

Common fixes:

1. Clear browser cache: Clear cookies and cache, then try again
2. Try a different browser: Switch to Chrome, Firefox, or Safari
3. Check PayPal account status: Log into PayPal and resolve any account issues
4. Verify payment method: Ensure your card/bank is valid and has sufficient funds
5. Disable VPN: VPNs can sometimes cause payment errors
6. Update contact info: Ensure your address matches your payment method

Common error messages:

• "Transaction declined" - Contact your bank or try another payment method
• "Session expired" - Refresh and try again
• "Account limitations" - Log into PayPal to resolve

If problems persist, contact PayPal support directly or reach out to our support team.

Follow these steps for secure payments on WeddingClosetHub:

Before paying:

• Review the seller's profile, ratings, and feedback
• Verify the item details match what you expect
• Confirm the total price including shipping
• Ask any questions through WCH messaging

During payment:

• Only pay through WeddingClosetHub's checkout system
• Use PayPal or credit card (never Friends & Family)
• Verify the payment amount before confirming
• Save your payment confirmation

After paying:

• Keep all confirmation emails
• Track your shipment using provided tracking numbers
• Inspect the item upon arrival
• Report any issues within the protection timeframe