When ownership changes
Checkout creates a 10-minute lock for buy-now or a 30-minute payment window after offer acceptance. Only an authoritative provider capture webhook, risk approval, and atomic database commit creates ownership.
Policy v0.1 · Pre-launch draft
Payments, refunds & disputes
The application orchestrates regulated marketplace payments. It is not a bank, wallet, pooled balance, or manually operated escrow.
The positive-profit fee
On a secondary sale, the platform takes 30% × max(0, resale price − current owner's captured acquisition price). Renewals, provider costs, marketing, prior owners' prices, and listing prices never change that basis.
Seller settlement
The provider onboards sellers, collects funds, performs splits/transfers, applies holds, settles, reconciles, and supports reversals. The dashboard shows immutable transaction records, never a spendable platform wallet.
Refunds and reversals
Completed digital-control transfers are final except where law, provider rules, fraud, duplicate charge, or platform error requires a refund. A completed resale cannot be auto-refunded without checking current ownership and downstream transactions.
Disputes and chargebacks
A dispute can freeze affected marketplace actions and provider transfer. If the plot has moved downstream, the platform opens a financial case rather than inventing a database debit or silently rewriting history.
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