Every answer. Under a minute.

No. PeerSettle doesn't have listings. It works alongside any platform where you find a buyer or seller — Facebook Marketplace, Craigslist, OfferUp, eBay, or even a text message. Think of us as the payment protection layer you add to any deal.

The inspection period you set when creating the transaction acts as a countdown. When it expires without action, funds are automatically released to the seller. No action needed — the system handles it.

Yes, before the buyer pays. Once funds are in escrow, cancellation requires mutual agreement by both parties — or a dispute resolution outcome.

Funds are released instantly when the buyer confirms receipt or when the inspection period expires. Transfer processing time depends on your bank — typically 1–3 business days.

Currently USD. More currencies are being added in upcoming versions.

No hard minimum. For very small amounts (under $20), the 4.4% processing rate may feel significant relative to the transaction value. Batch 1 testers pay 3.9% at that tier.

The arbitration deposit costs $2 and is purchased independently by each party at transaction time. It is not an insurance product — it is a prepayment for the arbitrator's work if a dispute is opened. If you paid the deposit, no additional charge when a dispute opens. If you didn't pay it, you pay $20 when you choose to open a dispute. Neither the $2 deposit nor the $20 arbitration fee is refunded under any circumstance. Both parties can file disputes independently — for example, a buyer returns an item and the seller then disputes the condition of what came back. The decision is final and binding for both sides.

Yes. The personal delivery flow skips the shipping steps. Both parties confirm the meetup in the app, the buyer completes the checklist on-site, and funds release immediately — no inspection period needed.

This is why we require carrier insurance for every shipment. If the package is lost or damaged and you have insurance, you file a claim with the carrier. If you didn't insure the package as required, you absorb the loss.

Only if something genuinely doesn't match what was agreed — a declared characteristic is wrong, an item didn't arrive, or the seller violated a stated condition. The $2 arbitration deposit or $20 arbitration fee exists to keep the process serious and discourage bad-faith filings. Don't open a dispute over a change of mind — that's not covered.

Once a dispute is opened, the seller has 5 days to respond with evidence. If a return is required as part of the resolution, the seller then has 48 hours to confirm receipt of the returned item through the platform. If the seller doesn't confirm within that window, the case escalates automatically to the arbitrator for a final decision.