Payment & Payout Policy

This policy provides transparency about how payout offers are set, which payment methods are used, and how payments are processed once a sale is agreed. It is written so that you can see exactly what happens to your card and your money at each stage.

Payout eligibility always depends on two things: successful verification of the gift card and your explicit authorisation of the transaction. Until both have happened, no payment obligation arises.

• The payout offer is displayed before a gift card is submitted.
• You can review the offer and decide whether to proceed — submitting is entirely your choice.
• No fees are deducted from the offer you accept; the figure you approve is the figure we send.

Payout offers may vary depending on:

Every submitted gift card is verified before any payment is processed. Verification may include:

• Balance confirmation — establishing the live, unspent value on the card.
• Card validity — confirming the code and PIN are active and usable.
• Brand eligibility — confirming the issuing brand is one we currently purchase.
• Duplicate detection — checking the code against current and historic submissions.
• Fraud prevention screening, applied automatically and manually where appropriate.

Verification does not guarantee acceptance. A card may clear one check and fail another, and we may decline a submission after verification where our fraud prevention checks raise concerns.

If you decline, or do not respond within the period stated in the authorisation email, the submission is closed and the card remains yours to use or sell elsewhere.

Approved payouts are issued using the supported electronic payment methods available through CardSell at the time of your transaction. You select your preferred method and provide the relevant payout details as part of your submission.

• Cash payments are not available under any circumstances.
• We do not pay third parties — payout details must belong to the seller.

Available payment methods may change over time as providers, costs and supported rails change. The methods offered to you during submission are the methods currently available.

Payment processing times vary and depend on factors including:

• Completion of verification, which can depend on the issuing retailer's opening hours.
• When the seller responds to the authorisation request.
• The payment method selected.
• Processing times applied by the relevant payment provider or receiving bank.

Payment may be delayed where:

• Additional verification is required before the transaction can be completed.
• Incorrect or incomplete payment information has been provided.
• Technical issues affect our systems or the submission itself.
• Processing by a payment provider or receiving bank is delayed.

CardSell will make reasonable efforts to resolve payment issues and to keep you informed while we do. If a payment is returned because the details were incorrect, we will contact you to confirm the correct details before reissuing it.

No payout is issued where:

• Verification fails — for example the card has no balance, or the code or PIN is invalid.
• Seller authorisation is not received within the stated period.
• Fraud indicators are detected during screening or review.
• The gift card is determined to be ineligible under our acceptance criteria.

Where a submission is rejected before redemption, the card is not redeemed and remains yours. Our Gift Card Acceptance Policy sets out the eligibility criteria in full.

Sellers are responsible for understanding and complying with any personal tax obligations or legal reporting requirements that may apply to the money they receive from selling gift cards. This may depend on your circumstances, your country of residence and the frequency and value of your transactions.

CardSell does not provide tax, accounting or legal advice. If you are unsure whether a payout needs to be declared, please seek advice from a qualified professional.

This policy may be updated periodically to reflect changes to our payout methods, providers, pricing approach or legal obligations.

The latest version will always be published on the website with an updated "Last Updated" date. The version in force at the time of your submission is the version that applies to that transaction.

We serve customers located in the United Kingdom.