Fee Schedule
What is active today
Buyers and sellers agree a price in the order thread and pay each other directly. Merchant Scroll NZ does not take, hold, release or refund money, does not verify identities, and does not require seller photos. Where this document describes fees, held payouts, automatic payouts, refunds, identity verification or photo requirements, it describes how the platform is designed to work once those features are live. They take effect only when the platform announces that they are.
Values populated from the SOURCE 1 Constants Registry. Final wording is pending NZ legal review.
Seller Fees
| Fee type | Amount |
|---|---|
Platform fee Charged on the item price of each completed sale. Your rate depends on your plan: 3.75% with no plan, 3.25% on Trader Lite, and 2.5% on Trader Pro. | 2.5%–3.75% of item price |
Minimum fee Applies when the percentage fee falls below this floor | NZD $0.20 |
Fee cap Maximum platform fee per transaction | No cap defined in SOURCE 1 |
Seller fees are deducted from the seller’s payout, not charged upfront. Held Payout: payout is held until the buyer confirms receipt or the dispute window closes. Refunded or cancelled orders reverse the corresponding fee.
Buyer Protection
Flat band fees in NZD, without GST: the platform is not registered for GST.
| Order value (NZD) | Fee (NZD) |
|---|---|
| NZD $50.01 – NZD $100.00 | NZD $1.50 |
| NZD $100.01 – NZD $200.00 | NZD $2.50 |
| NZD $200.01 and above | NZD $4.00 |
Buyer Protection is default-on above the governed threshold and covers payment-held-until-receipt protection plus the structured dispute flow. Admin-permitted opt-down to an unprotected purchase is available within governed value limits and is not automatic.
Subscriptions
| Tier | Price/mo | Seller fee | Credits/mo | Active listings | Chase List |
|---|---|---|---|---|---|
| Collector | — | 3.75% | 0 | 25 | Unlimited |
| Trader Lite | NZD $3.99 | 3.25% | 3 | 250 | Unlimited |
| Trader Pro | NZD $9.99 | 2.5% | 10 | Unlimited | Unlimited |
The seller fee is charged on the item price of each completed sale and is subject to the minimum fee above. Chase List is unlimited at every tier, including free — tiers differ in how quickly you are alerted when a card you want is listed, not in how many you may track.
Lapse handling
- Trader Lite: all unused subscription credits expire on lapse.
- Trader Pro: up to 10 credits retained across lapse and resubscribe, provided each retained credit is no older than 1 month. Rollover window while subscribed: 1 month.
Single Credits and Packs
Single credit price: NZD $1.00 per credit before pack discount.
| Pack size | Discount |
|---|---|
| 1 credit | 0% |
| 25 credits | 20% |
Bulk discount cap: 20%. No credit pack is ever discounted beyond this cap.
Trade Access
Value Trades cost no credits. Each plan includes a monthly allowance, counted when a trade is accepted — not when it is proposed, so a proposal the other party ignores costs you nothing.
| Tier | Value Trades / month |
|---|---|
| Collector | 1 |
| Trader Lite | 5 |
| Trader Pro | Unlimited |
Credits are used for paid placement and other credit sinks. They can be obtained via a subscription tier or by buying single credits or packs (see above).
Payouts and Held Payout
Seller payouts are subject to a Held Payout: the seller’s funds are held until the buyer confirms receipt, the buyer’s action window closes, or any active dispute on the order is resolved.
Held Payout is not an escrow arrangement. The exact action windows and auto-payout timing rules are governed by SOURCE 1 Domain F (Auto_Payout_No_Action_After and related constants). See the Dispute & Returns Policy for the full action-window narrative once that document is published.
GST
Merchant Scroll NZ is not currently registered for Goods and Services Tax (GST). All amounts on this page are in NZD and are shown without GST, and no GST is charged. If that changes, this Fee Schedule will be updated before any GST is added.