Payment Policy

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At T & J Auctions, we ensure a secure and transparent payment process for all buyers and sellers. This policy explains the payment methods, transaction fees, and payout processes on www.tandjauctions.com.

1. Accepted Payment Methods

• 💳 Credit/Debit Cards (Visa, MasterCard, American Express, Discover)
• 💰 PayPal
• 🏦 Bank Transfers (For high-value transactions)
• 🔒 Other secure third-party payment processors (where applicable)

All payments are securely processed using trusted payment gateways.

2. Buyer Payment Responsibilities

• ✅ All winning bids must be paid within 24 hours of auction closing.
• ❌ Failure to complete payment within 24 hours may result in:
• - The item being re-listed.
• - Suspension of the buyer’s account.
• ✅ Buyers must ensure they have sufficient funds before placing a bid.
• ✅ Refunds are only issued under the Refund Policy guidelines.

3. Seller Payment Responsibilities

• ✅ Sellers must provide accurate payment details for payouts.
• 💰 T & J Auctions takes a commission on completed sales (percentage varies by category).
• ✅ Payouts are made to sellers only after successful item delivery and buyer confirmation.

4. Seller Payouts & Fees

• ✅ Sellers will receive payment within 3-5 business days after delivery confirmation.
• 💰 Platform Commission Fees: T & J Auctions deducts a small commission from the sale price.
• 💳 Transaction Fees: Some payment processors may charge a transaction fee, which will be deducted from the seller’s payout.

5. Fraud Prevention & Payment Security

To protect all users, T & J Auctions may:

• ✅ Hold payments temporarily for security verification.
• ✅ Require identity verification for high-value transactions.
• ❌ Block transactions that appear suspicious or fraudulent.

6. Disputed Payments & Chargebacks

• ✅ If a buyer disputes a charge or requests a chargeback, the case will be reviewed by T & J Auctions.
• ✅ Sellers may be required to provide proof of item delivery (tracking details).
• ❌ If a chargeback is deemed fraudulent, the buyer’s account may be suspended or banned.

For any payment-related issues, contact info@tandjauctions.com.

By using www.tandjauctions.com, you agree to this Payment Policy.