SELLER PROTECTION
Honest sellers thrive here. Here’s exactly how we protect you.
Buyers pay at checkout through Stripe. FindMeComics holds the payment until delivery plus the settlement hold, so nothing is paid out before the buyer has the book. Every dispute gives you the right to respond with evidence before any decision is made.
NO CHARGEBACK DROPS WITHOUT REVIEW
When a buyer opens a dispute, we mediate — you’re not left to fight a chargeback alone. Both sides get to submit evidence before a decision is made. We don’t auto-side with the buyer.
If a buyer goes straight to their bank with a chargeback, we contest it on your behalf using the transaction record, tracking confirmation, and any communication you provide. If the bank still rules for the buyer after you’ve been paid, that payout is taken back from you (see When you get paid).
WHAT WE PROTECT AGAINST
Fraudulent “item not received” claims
A tracking number showing delivery decides it: the claim is rejected in review unless the buyer produces carrier evidence of non-receipt.
Buyer’s remorse disputes
A buyer who simply changed their mind after receiving the item in described condition is not entitled to a refund. We review evidence of the item’s actual condition.
Minor grade disagreements
If your listing accurately described the condition and the buyer expected a higher grade, the dispute is dismissed. FMC uses the standard CGC grading scale — we hold both sides to it.
WHAT’S NOT COVERED
Item genuinely not shipped within the stated handling time — ship on time and provide tracking.
Item materially different from the listing description — condition honesty is the core contract.
Damage caused by inadequate packaging — use appropriate materials. See the shipping guide.
Transactions negotiated off-platform — only orders processed through FMC checkout are covered.
THE DISPUTE PROCESS FOR SELLERS
You get notified
A dashboard notification and an email land the moment a dispute is opened. Respond within 72 hours — unresponsive sellers get a formal warning and the dispute moves toward a decision without their side.
Submit your evidence
Tracking confirmation, photos of the item before shipping, the original listing, and any message history with the buyer. Upload through your order page.
We review both sides
We decide within 5 business days of the dispute being filed. If your side isn't in by then, the decision is made on the buyer's evidence.
Decision issued
If the dispute is dismissed, your payout continues on its normal schedule. If it is upheld, the buyer is refunded from the payment we are holding, so you are not paid for that sale. You get a written explanation either way.
WHEN YOU GET PAID
When a buyer pays, FindMeComics takes the payment into its own Stripe balance as your limited payment agent and holds it until delivery is confirmed and the settlement hold ends: 21 days after delivery until 3 of your sales have paid out, then 7 days after delivery. Then your share transfers to your Stripe account, and Stripe deposits it in your bank 1–3 business days later. Delivery is confirmed when the buyer confirms receipt, or 14 days after you mark the order shipped, whichever comes first. See the Terms of Service for the payment-agent arrangement.
- Settlement hold: 21 days after delivery until 3 of your sales have paid out, then 7 days after delivery.
- Buyers have 7 days from delivery to report a problem, and no hold is shorter than that, so a dispute reaches you before your payout, never after it.
- Bank deposit: 1–3 business days after the transfer, on Stripe’s standard schedule.
- An open dispute or chargeback on the order pauses the payout until it is decided.
- If Stripe asks you to re-verify your account after a sale, ship as normal. The payout waits until your Stripe account is back in good standing; the order is not refunded because of it.
If a refund is due before your payout has gone out, the buyer is refunded from the held payment and you are simply not paid for that sale.
If a buyer is refunded after you've been paid, by a chargeback through their bank or a refund FindMeComics issues, your share is taken back: we reverse that payout from your Stripe balance. Stripe only reverses what your balance holds, so anything it can't cover comes out of your next FindMeComics payouts. If a reversal ever takes your balance below zero, Stripe debits the bank account on your Stripe account for the difference. Until it's repaid, you can't list or sell, and buyers can't check out your listings. We tell you in-app and by email when it happens, and again when it clears.
ACCOUNT RULES
- New accounts wait 7 days before their first listing, and you can’t list until Stripe is connected. Connect it during the wait and you can list the day it ends.
- If Stripe later asks you to re-verify, your listings stay visible but nobody can buy them or make an offer until your Stripe account is back in good standing.
- While you owe money back from a refund after a payout, you can’t list, relist or accept offers, and your listings can’t be bought. It lifts on its own once it’s repaid, from your Stripe balance or your next payouts. We check after every payout and every day.
- A book you bought on FindMeComics can’t be relisted here for 30 days.
- Listings are capped at $500 while the marketplace opens, counter-offers included. Email support with what you plan to sell and I’ll raise your ceiling.
- Every order ships with tracking, within the handling time you set (5 business days at most). An order still unshipped after that is refunded automatically, and the listing stays off sale until you relist it.
- Use the carrier’s own tracking number. One that matches no carrier format is accepted, but delivery is then confirmed only when the buyer confirms receipt, so your payout clock waits on them.
SELLER REPUTATION SYSTEM
After every transaction, buyers rate: overall satisfaction, condition accuracy, and shipping speed. Your condition-accuracy rating is shown on your seller profile — it’s the main signal buyers use to decide who to trust.
- Sellers with repeated upheld disputes are reviewed for continued selling access.
- A single dispute doesn’t affect your account — patterns do.
USEFUL LINKS
QUESTIONS
Contact support@findmecomics.com or open a ticket from your dashboard.