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Account Trade Credit

Mike Schneider 3 weeks ago updated 3 weeks ago 2

To sell on here you need a paypal business account but switching to a business account limits using that account for online shopping, sending money to friends and family, etc.That aside, there are plenty of people who have issues with Paypal in general so there are a slew of topics asking for alternatives both from buyers and sellers. There are also bunch of topics where people request the option to trade through here.

What about introducing account trade credit? Like allow people to sell games on marketplace to build up trade credit and they can then use that trade credit to buy other games on the marketplace.

This would:
- be a relatively simple way to introduce trading
- remove the need for a personal paypal account to buy
- remove the need for a business paypal account to sell
- avoid the transfer fees, tax issues, and other mishegoss for people who want to do both
- actively promotes people listing/ selling games to buy other games

Of course, I'm not suggesting it be a closed system. People having an option to put money in and take money out is essential to any marketplace. If you're ride or die with Paypal exclusive, this still gives people a way to participate without using Paypal or you linking up with another platform like Stripe. Besides, floating trade credit on an account and trading in games toward other games is a staple of the gaming community.

Thank you.  Very interesting idea.  I'll think about this more and see how many people vote for it.  There might be some regulatory & legal issues involved in something like this.  I'm not sure.  I can see this being useful though.

I've been on various past and current sites where you list books, cds, dvds, etc. where the media is exchanges directly from person to person. The site/ platform only handles the listings, you enter the tracking with them, and the credit only gets released when delivery is confirmed ( by tracking + 10 days past delivery without issue reported or by the end user confirming receipt without issue... whichever comes first. ) One of the oldest which is still going strong is PaperbackSwap. They have been pretty transparent and well documented over the past 20 years so looking to sites like that might be useful for precedent.

On the business end, a number of these sites/ platforms deduct a small fee from each exchange ( and have fee-free exchanges as a perk of paid membership. ) Since Pricecharting already has collector and retailer subscriptions, I imagine that would probably integrate well.