How Marketplace Payments Work

The ShopYellowPages Marketplace connects buyers with independent vendors.

When a customer places an order:

1. The customer submits an order through the Marketplace.
2. Payment is securely processed through Stripe.
3. The vendor is notified of the order.
4. The vendor prepares the order for shipment or local pickup.
5. Funds are held and processed according to our payment and fraud prevention procedures.
6. Vendor payouts are issued in accordance with our payout schedule and payment processor requirements.

ShopYellowPages provides the technology that facilitates these transactions but is not the seller of the products listed by independent vendors.

Secure Payment Processing

All Marketplace payments are securely processed through Stripe, our trusted payment processing partner.

Stripe uses industry-standard security measures, encryption, and fraud detection tools to help protect buyers and vendors.

ShopYellowPages does not store complete credit card numbers or other sensitive payment credentials.

Accepted Payment Methods

Accepted payment methods may include:

• Major credit cards
• Debit cards
• Digital wallets supported by Stripe
• Other payment methods made available during checkout

Available payment methods may change as Stripe adds or removes supported payment options.

Marketplace Transaction Fees

Marketplace transaction fees apply to vendors – not buyers.

Current Marketplace fee:

7% of the product price plus $0.60 per completed transaction.

This fee includes payment processing costs and supports the operation, maintenance, security, and continued development of the ShopYellowPages Marketplace.

Any applicable shipping charges and sales taxes are displayed separately during checkout.

Marketplace fees may be updated in the future. Changes will apply only to future transactions after appropriate notice has been provided.

Order Cancellations

Before Shipment

If an order has not yet shipped or been prepared for pickup, buyers should contact the vendor as soon as possible to request cancellation.

If the vendor approves the cancellation, the payment will generally be refunded to the buyer using the original payment method.

After Shipment

Orders that have already shipped may no longer be eligible for cancellation.

In those cases, buyers should review the vendor’s return policy.

Returns

Return policies may vary between vendors.

Each vendor is responsible for clearly communicating their return policy within their Marketplace listings or storefront.

Before making a purchase, buyers are encouraged to review the vendor’s return policy carefully.

Some products may not be eligible for return due to:

• Custom or personalized items
• Perishable products
• Health and hygiene products
• Digital goods
• Other products identified as non-returnable

Refunds

Refunds may be issued when:

• An order is canceled before fulfillment.
• A return is approved.
• The wrong item was received.
• The product arrives significantly different from its description.
• The item is damaged during shipment.
• The order cannot be fulfilled.

Refunds are generally returned to the buyer’s original payment method.

Processing times depend on the buyer’s financial institution and payment processor.

Damaged or Incorrect Orders

If an order arrives damaged, incomplete, or incorrect:

Buyers should:

• Contact the vendor promptly.
• Describe the issue.
• Provide photographs when appropriate.
• Retain packaging when possible until the issue is resolved.

Most issues can be resolved directly between buyers and vendors.

Payment Disputes

If a buyer and vendor cannot resolve an issue directly, ShopYellowPages may review the matter to determine whether Marketplace policies have been followed.

Depending on the circumstances, we may:

• Request additional information.
• Review communication between the parties.
• Review order records.
• Review shipping information.
• Assist in facilitating communication.

Our involvement is intended to help resolve Marketplace issues fairly whenever possible.

Chargebacks

A chargeback occurs when a buyer disputes a payment through their card issuer or financial institution.

If a chargeback is initiated:

• Stripe may temporarily withhold the disputed funds.
• Vendors may be asked to provide supporting documentation.
• ShopYellowPages may assist by providing Marketplace records when appropriate.
• The final determination is made by the payment processor and the buyer’s financial institution – not by ShopYellowPages.

Repeated chargebacks resulting from policy violations or fraudulent activity may result in Marketplace account review.

Fraud Prevention

To help protect the Marketplace, ShopYellowPages and Stripe may monitor transactions for unusual or potentially fraudulent activity.

Protective measures may include:

• Payment verification
• Identity verification
• Temporary payout delays
• Transaction review
• Additional documentation requests
• Account restrictions during investigations

These measures help protect both buyers and vendors.

Payment Security

We take payment security seriously.

Our Marketplace uses secure payment processing and follows industry best practices to help protect customer information.

While no online transaction can ever be guaranteed to be completely risk-free, we continuously work with trusted service providers to maintain a secure shopping experience.

Questions About a Payment?

If you have questions regarding:

• A payment
• Refund
• Return
• Cancellation
• Chargeback
• Marketplace fees
• Vendor payouts

We encourage you to first contact the vendor whenever appropriate.

If additional assistance is needed, our support team is available to help facilitate communication and answer questions about Marketplace policies.