MUDISCH Payments allows buyers and sellers to use various forms of payments on MUDISCH Payments users can pay with and accept payment by credit card, debit card, some bank transfer services, PayPal (where available), Apple Pay, and Google Pay. This policy explains all of your rights and obligations when using MUDISCH Payments.

If you want to become a member, please review this Terms of Service Agreement. By registering to become a member, clicking on the "I Agree" button and/or otherwise using the Web site you agree to the terms, conditions, notices and guidelines contained in this Terms of Service Agreement and, where applicable, you represent that you have obtained permission from your parent or guardian.

This policy is a part of our Terms of Use. By using MUDISCH Payments, you’re agreeing to this policy and our Terms of Use.

Accepting These Terms

The MUDISCH Payments Policy (or the “Policy”) sets out your rights and responsibilities when you use MUDISCH Payments on MUDISCH’s services (we’ll refer to, MUDISCH's mobile apps, and other services as our “Services”), so please read it carefully. By using MUDISCH Payments, you’re agreeing to the Policy.

The Policy is a legally binding contract between you and MUDISCH. If you live in North America or South America, the contract is between you and MUDISCH, Inc.; if you live elsewhere, the contract is between you and MUDISCH Ireland UC, a subsidiary of MUDISCH, Inc.; We’ll just refer to MUDISCH, Inc. and all of its subsidiaries collectively as “MUDISCH.”


MUDISCH Payments allows sellers to (a) accept payment by authorized credit and debit card transactions, some bank transfers services, PayPal (where available), transactions using Apple Pay, and transactions using Google Pay, (b) have those funds credited to a seller’s payment account with MUDISCH, and (c) have those funds deposited into a seller’s designated bank account.

MUDISCH Payments is only available to sellers who are at least 17 years old who register and are approved for a payment account with MUDISCH. MUDISCH Payments are currently available to sellers around the world.

Sellers may only use MUDISCH Payments for the sale of items listed on MUDISCH’s Services, and agree to ship sold items once a payment transaction is complete and reflected in their payment account. MUDISCH reserves the right to terminate a seller’s access to MUDISCH Payments if the seller uses MUDISCH Payments in any other manner.

Buyers may authorize a payment with any major credit or debit card accepted by MUDISCH, with MUDISCH Wallet, by certain bank transfer services, or through PayPal (where available), Apple Pay, or Google Pay.

Third-Party Services

MUDISCH has engaged third-party service providers to perform many of the services related to payment processing, including card processing, currency exchange, identity verification, fraud analysis, and regulatory compliance.

MUDISCH partners with Stripe, PayPal, and other licensed payment processors to facilitate card payments and other payments and the disbursement of funds to sellers. The provider and processing time for your payment will vary based on the country in which you're located. If there are insufficient funds in your bank account when our provider processes the payment for your purchase, MUDISCH reserves the right to contact you directly and to seek payment.

MUDISCH may share your personal or transactional information with those third-party service providers when it's necessary to process payments.

MUDISCH Wallet are subject to the MUDISCH Wallet Policy.

By using a third-party service, you may also be subject to an agreement with the third party. For example, PayPal is a third-party service provided by PayPal Holdings, Inc. and is subject to the PayPal User Agreement. Apple Pay is a third-party service provided by Apple Inc. and is subject to the Apple Pay Terms and Conditions. Google Pay is a third-party service provided by Google Payment Corp. and is subject to the Google Pay Terms of Service for US users, non-US users, and India residents.

If MUDISCH receives notice that your shop's content or activity violates a third party's service agreement, we may at our sole discretion take action against your account to comply with their policies. Such actions may include canceling a transaction, disabling listings from your shop, suspending your selling privileges, or removing certain payment methods.

MUDISCH’s Rights and Responsibilities

MUDISCH Payments functionality may be made available, modified, or discontinued by us at any time without notice and is subject to the limitations in MUDISCH’s Terms of Use.

As a security measure, we may impose transaction limits on buyers and sellers. For example, we may impose limits relating to the value of any transaction, deposit, or adjustment, or limits relating to the cumulative value of all transactions, deposits, or adjustments during a period of time. We may also impose limits related to the number of transactions per day or other period of time. We will not be liable to a seller: (a) if we do not proceed with a transaction, deposit, or adjustment that would exceed any limit established by us, or (b) if we permit a buyer to withdraw from a transaction.

MUDISCH may refuse service of MUDISCH Payments to anyone, for any reason, at any time.

MUDISCH reserves the right to decline transactions that we believe to be high risk, fraudulent, or in violation of MUDISCH’s Terms of Use.

In the event that a buyer does not make payment for the purchase of a legitimate item sold using MUDISCH Payments (e.g., where the buyer used a stolen or unauthorized credit card), MUDISCH may provide limited payment protection to the seller, in the interest of fairness. You can learn more about our Seller Protection Program here.

MUDISCH maintains records associated with transactions on MUDISCH Payments and does not pass any secure data, including credit card numbers or bank account information, to any sellers. Sellers will only receive shipping information and limited buyer account information necessary to complete the order. MUDISCH’s Privacy Policy further explains how MUDISCH handles user information.

MUDISCH will send you any relevant notices regarding your use of MUDISCH Payments in accordance with our Electronic Communications Policy.

Seller Rights and Responsibilities

A. Use of MUDISCH Payments. If you live in a country in which MUDISCH Payments is available, you are required to sign up for MUDISCH Payments, except as otherwise determined by MUDISCH in its sole discretion. Using MUDISCH Payments will result in your shop accepting payment through authorized credit and debit card transactions, some bank transfer services, PayPal, Apple Pay, and Google Pay. For you to sign up for MUDISCH Payments and receive payment for transactions made through MUDISCH Payments, you must provide all required information and complete all required steps for compliance purposes. Without this information, MUDISCH cannot pay you! You can find instructions about how to upload your bank account information here. If you live in a country in which MUDISCH Payments is available and you do not provide MUDISCH with this information, MUDISCH may refuse you access to the Services until you do so.

B. Payment Accounts. A payment account allows sellers to track payment amounts, refunds, and fees related to transactions and seller services. Sellers must provide accurate personal information as requested during registration, and are responsible for maintaining and updating that information as necessary. Sellers will not impersonate any person or use any name they are not legally authorized to use. Sellers authorize us, and authorized agents, to verify their information (at registration and on occasion when using the Services) by accessing public records and obtaining credit reports about the sellers. MUDISCH verifies sellers’ information in order to safeguard the integrity of the marketplace and reduce the risk of fraud, money laundering, terrorist financing, and the violation of trade sanctions.

Payment accounts are only available to individuals who are eligible to be sellers on MUDISCH’s Services and who have a valid credit or debit card on file with MUDISCH, unless they are exempt from this requirement. Sellers who have bank accounts established in Austria, Germany, and the Netherlands are not required to have a credit card on file with MUDISCH to have a payment account.

C. Disputes. Sellers agree to resolve any disputes directly with a buyer or with the assistance of the dispute management and refund tools available on MUDISCH, and in accordance with our Seller Policy and Terms of Use. In the event that a dispute is escalated to MUDISCH’s Support Team, MUDISCH reserves the right to issue a refund to a buyer if a transaction is found to be in violation of MUDISCH’s policies.

In the event that a buyer submits a chargeback, MUDISCH will respond to the credit card networks on behalf of the seller involved in the transaction; the seller agrees to provide any requested information to us within five calendar days of the request. MUDISCH reserves the right to recoup funds associated with buyer chargebacks.

D. Communications. We will infMUDISCH Payments, using our standard communication procedures (detailed in our Electronic Communications Policy), including by email or through MUDISCH's Messages tool.

E. Refunds. Refunds or adjustments paid by MUDISCH to buyers for payments made through MUDISCH Payments may be initiated using the refund functionality in the seller's payment account for a period of 180 days after the purchase was made. The MUDISCH Payments Platform does not have refund functionality after 180 days from the original purchase date. Any such funds paid by MUDISCH to cover refunds will be deducted from the seller’s payment account balance. If there are insufficient funds to cover the amount of the refund, the balance will be charged to the seller’s credit card or added to the seller’s payment account. Refunds issued by MUDISCH will be in the original form of payment, and if such payment is not available, a MUDISCH credit will be issued.

Fully refunded transactions may be eligible for cancellation in accordance with our Cancellation Policy.

F. International Trade Laws. You agree that your use of MUDISCH Payments will not involve any countries, entities, individuals, or items prohibited by sanctions, embargoes, regulations, or orders administered by the US Department of Treasury’s Office of Foreign Assets Control (“OFAC”) or other government agencies. See our Sanctions Policy for more information.

G. Information on Cardholder Charges. Please note that your bank or card provider may charge additional fees (including cross-border fees) for transactions that you make on MUDISCH. These fees are not charged by MUDISCH and are at the discretion of your bank. Please contact your bank for further details.

Appointment of MUDISCH as Limited Collection Agent for Sellers

Each seller appoints MUDISCH as its agent for the limited purpose of receiving, holding, and settling payments to seller. MUDISCH will settle payments that are actually received by MUDISCH to each seller, less any amounts owed to MUDISCH and subject to these Terms. Each seller agrees that a buyer payment received by MUDISCH, on behalf of seller, satisfies the buyer's obligations to make payment to seller, regardless of whether MUDISCH actually settles such payment to seller. If MUDISCH does not settle any such payments as described in these Terms to a seller, such seller will have recourse only against MUDISCH and not the buyer.


A. Payment Account. All funds resulting from a completed transaction will be reflected as a balance in a seller’s payment account. Transactions are considered complete at the later of once the payment is approved by MUDISCH or our fraud analysis service provider. Any refunds, adjustments, or other amounts paid to buyers in connection with purchases, or for funds received since the last payment day, are also applied to the seller’s payment account balance.

Funds in a payment account balance are eligible for deposit (the “Available Funds”) into a seller’s bank account at the end of any applicable deposit delay, reserve, or hold period as determined by the seller’s bank. For deposits below designated thresholds in certain markets, a deposit fee will apply. See Section 9 below for details on deposit fees. A deposit minimum also applies to deposits in certain markets. Funds will only be available for deposit if they exceed the applicable deposit minimum.

B. Scheduled Deposits. MUDISCH will instruct our payments partners to initiate a deposit of a seller’s Available Funds into the seller’s bank account on a daily, weekly, biweekly, or monthly basis. Sellers can select the frequency of disbursements from their payment account in their account settings. When a seller selects daily disbursements, disbursements will be made on each day that the seller's payment account has a balance equal to or greater than the minimum daily disbursement thresholds listed below. When a seller selects weekly, biweekly, or monthly disbursements, disbursements will be made on every applicable Monday. In this policy we'll refer to the date of disbursement as the "Payment Date." Deposits into a seller’s bank account will generally be credited within three (3) to five (5) business days from the date MUDISCH initiates the deposit request. The actual timing of the deposit may depend on how quickly a seller’s bank processes the request.

The Payment Date will fall on the next business day (Monday through Friday, excluding bank holidays) if the scheduled Payment Date falls on a non-business day. If a seller elects to change the frequency of disbursements, the following deposit will be initiated on the next business day if the seller selects daily disbursements, or on the next applicable Monday if the seller selects weekly, biweekly, or monthly disbursements. When a seller either initially provides or later changes their bank account information, the seller must wait at least five (5) calendar days to request a deposit into a bank account as a security precaution. The next scheduled deposit after a change to bank account information will occur on the next applicable Payment Date after a period of five (5) calendar days from the date of the requested change.

C. Holds and Delays. In some cases, deposits to a seller's bank accounts could be temporarily delayed by an issue at MUDISCH, MUDISCH’s third-party service providers, or a seller’s bank. We’ll do our best to communicate with any affected seller as soon as we can.

If we believe that a seller's actions may result in buyer disputes, chargebacks, or other claims, then we may, in our sole discretion, put a hold, deposit delay, reserve on the seller’s payment account balance.

A hold may be put on funds associated with a particular transaction if there is a dispute or investigation related to the order, for the shorter of: (a) 180 days after the estimated delivery date, or (b) completion of any investigation regarding the seller’s actions.

Deposit delays are defined as the number of days between a sale and the day the net amount from the sale becomes available for deposit, provided the payment has been completed. A deposit delay may be between 0 and 180 days. A deposit delay is applied across all transactions for a seller and the number of days is reflected in each seller’s payment account.

A reserve is defined as a fixed percentage of a seller’s payment account balance (i) delayed prior to being included as part of a seller’s Available Funds for a period of up to 180 days or (ii) deducted from a seller's payment account as a reserve for a period of up to 90 days.

If MUDISCH places a hold, deposit delay, or reserve on a seller’s account, we’ll do our best to communicate with the affected seller as soon as we can.

We always work hard to avoid and minimize any delays. However, please note that MUDISCH is not obligated to refund any fees or reimburse any expenses due to holds or delayed deposits.

D. Escheatment. If MUDISCH cannot settle funds into a seller’s bank account, the funds will remain in the seller’s payment account. It is the seller’s sole responsibility to update their bank account information to receive the funds. If a seller fails to update the information to claim the funds within a certain period of time, MUDISCH will escheat the funds to the relevant government authority in order to comply with escheatment laws.


A. We reserve the right, in our sole discretion, to seek reimbursement from a seller in any of the following circumstances: (a) we provide a refund to a buyer because a seller did not promptly deliver the goods or we otherwise determine, consistent with Section 5 (Seller Rights and Responsibilities), that a refund is warranted in a particular circumstance, (b) we discover erroneous or duplicate transactions related to a seller, (c) we receive a chargeback from a buyer's credit card issuer or reversal of payment for the amount of a buyer's purchase from a seller, or (d) a seller does not act in accordance with MUDISCH’s policies.

B. We may obtain reimbursement of any amounts owed by a seller to MUDISCH by deducting from future payments owed to the seller, reversing any credits to the seller’s payment account balance, charging the seller's credit card on file, charging the seller’s payment account, or seeking reimbursement from the seller by any other lawful means, including by using third-party collections services. You authorize us to use any or all of the foregoing methods to seek reimbursement. MUDISCH may suspend your selling privileges at any time pending payment of your outstanding balance.

Payment Processing Fees

A. Overview. MUDISCH charges a fee (the “Payment Processing Fee”) for processing each transaction through MUDISCH Payments. The fee amount will be assessed on the gross order amount, including tax (if applicable). Payment Processing Fees will be reflected in your payment account and will be deducted from the total amount of the payment at the time the payment is considered complete. We reserve the right to modify the Payment Processing Fee at any time. For deposits below designated thresholds in certain markets, a deposit fee will apply, as described in the table below. Deposit fees are deducted from your Available Funds and reflected in your payment account at the time of your scheduled deposit. In the event of any partial or full refunds credited back to a buyer, the Payment Processing Fee and other applicable fees will be recalculated based on the adjusted sale price. The difference between the original Payment Processing Fee and the adjusted Payment Processing Fee will be applied to the refund amount being credited back to the seller.

B. Fee Amount. Payment Processing Fees vary based on the location of a seller’s bank account.

Credit and debit cards

Integrated per-transaction pricing means no setup fees or monthly fees. The price is the same for all cards.

● Visa
● Mastercard
● Maestro
● American Express
● Discover
● Diners Club
● China UnionPay
● Apple Pay
● Google Pay

3.9% + 30¢
per successful card charge

International payments

Additional fees required for international cards and currency conversion.

for international cards If currency conversion is required, an additional 1% fee will apply.

C. Listing Currency Conversion Considerations for Sellers. When a seller lists and subsequently sells an item in a currency other than the currency of the seller's payment account, MUDISCH will settle the associated transaction proceeds in the currency of the seller's payment account. When such a service is required, MUDISCH applies an additional 2.5% currency conversion fee. Calculation rates are updated regularly.

D. Value-Added Tax (VAT). Depending on your business status and location, MUDISCH may be required to charge VAT on seller fees accrued each month and remit it to the relevant tax authority. VAT is collected on MUDISCH Payments processing fees for sellers located in eligible MUDISCH Payments countries where required.

E. Browsing Currency Considerations for Buyers. In the case of a buyer purchasing from a seller who a currency other than the buyer's browsing currency, MUDISCH will automatically calculate the buyer's browsing currency. When such a calculation is required, MUDISCH applies an additional currency conversion charge.

Reporting Obligations

Internal Revenue Service regulations require that we file a Form 1099-K to report unadjusted annual gross sales information for sellers located in the United States or being paid in USD in certain circumstances. Please see this Help article for more details.

To comply with these regulations, sellers who approach 150 (one hundred and fifty) transactions in a calendar year, regardless of sales volume and aggregated across his or her Shops, will be required to provide taxpayer-identification information to MUDISCH.


Sellers may terminate this contract and their acceptance of MUDISCH Payments at any time by adjusting the Settings in their account with MUDISCH. MUDISCH may also terminate or suspend a seller’s use of MUDISCH Payments at any time.

Upon termination, any non-disputed Available Funds will be deposited into a seller’s bank account. MUDISCH reserves the right, upon termination of access to MUDISCH Payments, to set off against any payments to be made to the seller, an amount determined by us to be adequate to cover any anticipated chargebacks, refunds, adjustments, or other amounts that might be paid to buyers in connection with purchases from the seller's payment account for a prospective 180-day period. At the end of the 180-day period following termination, we will disburse to the seller any amount not used to offset chargebacks, refunds, adjustments, or such other amounts paid to buyers, or seek reimbursement from the seller via any of the means authorized in this Policy for any additional amount required to offset chargebacks, refunds, adjustments, or other amounts paid to buyers, as applicable.