Payment Terms - Outside of Sweden

Terms for Payments (Sellers Resident Outside Sweden) v 1.8 – last amended August 2026

These Terms ("Terms") apply in addition to the other rules and terms governing Tradera’s Platform when you, in your capacity as a buyer ("Buyer"), purchase and pay for goods and/or services from a seller resident or incorporated outside Sweden ("Seller"), or, in your capacity as a Seller, sell and receive payment for goods and/or services on Tradera’s Platform. Together with Tradera’s prevailing user agreement ("Tradera’s User Agreement"), and the price list (Price list private seller, Price list business seller) in force from time to time, the Terms constitute the overall framework agreement for Sellers.

For sales where the Seller is resident or incorporated in Sweden, the Payment Terms (Sellers in Sweden) apply instead. Click here for those terms.

Because Tradera does not itself provide a licensable payment service to Buyers and Sellers in connection with sales by Sellers resident or incorporated abroad, foreign Sellers are not covered by Tradera’s Swedish payment services licence under the Swedish Payment Services Act (2010:751) (Sw. lagen (2010:751) om betaltjänster). Payment collection, the holding of funds in the wallet, and payout for foreign Sellers are instead provided by an external licensed partner, Hyperwallet.

1. Definitions

In these Terms, the following terms shall have the meanings set out below:

"Hyperwallet" means the payout service Hyperwallet provided by PayPal (Europe) S.à r.l. et Cie, S.C.A. ("PayPal") for the holding of funds and the execution of payouts to Sellers.

"Klarna" means Klarna Bank AB, Reg. No. 556737–0431.

"Buyer" means a natural or legal person resident or incorporated in or outside Sweden who makes a purchase from the Seller on Tradera’s Platform.

"My Tradera" means the logged-in environment provided by Tradera in which the user manages, among other things, their purchases, sales, Tradera Wallet, payout settings and dispute resolution.

"Seller Rules" means the rules that a Seller must at all times comply with when selling on Tradera’s Platform.

"Seller" means a natural or legal person resident or incorporated outside Sweden who sells goods or services on Tradera’s Platform.

"Tradera" means Tradera Marketplace AB, Reg. No. 556569-4642, Solnavägen 3H, 113 63 Stockholm, Sweden.

"Tradera Wallet" means the wallet overview shown on My Tradera for the Seller’s account, which records available funds for goods sold pending payout. For foreign Sellers, these funds are held and administered by Hyperwallet.

"Tradera’s User Agreement" means Tradera’s terms, as in force from time to time, for the use of Tradera’s Platform and other services, available here.

"Tradera’s Checkout Solution" means the checkout interface on Tradera’s Platform through which the Buyer is offered the external payment methods available from time to time (e.g. Swish, card payment, Apple Pay, Google Pay, Klarna and Trustly).

"Tradera’s Platform" means the websites, marketplace services and applications provided by Tradera (e.g. www.tradera.com).

"Repayable Amount" means the amount that the Seller must repay to Tradera where a purchase is reversed after funds have already been paid out to or credited to the Seller, plus any direct costs/fees connected with the transaction and the return, including the shipping costs for returning an item and any fees charged to Tradera for a transaction by its external payment service providers.

2. About Tradera

Tradera Marketplace AB (email: kundservice@tradera.com) provides the marketplace platform on which Buyers and Sellers enter into purchase agreements.

For sales by Sellers resident or incorporated outside Sweden, the payment services for receiving and holding funds on the Tradera Wallet, and for payout, are provided by Tradera’s external licensed partner, PayPal (Europe) S.à r.l. et Cie, S.C.A. ("PayPal"), through its payout solution Hyperwallet. Tradera does not provide licensable payment accounts or credit facilities to foreign Sellers under its own Swedish payment services licence. The Tradera Wallet shown on My Tradera constitutes a technical record of the funds administered by Hyperwallet.

By selling on Tradera and receiving payouts, the Seller also accepts Hyperwallet’s terms:

• Hyperwallet’s User Agreement
• Hyperwallet’s Privacy Policy

The Seller consents to Tradera transferring the necessary account and transaction data to Hyperwallet for the purposes of providing payment processing and payout, preventing fraud, and complying with applicable regulatory requirements.

3. Entering into the agreement, language and access to the Terms

The Terms and Tradera’s User Agreement are entered into in Swedish or English. Communication between Tradera and the user, including customer service, is provided primarily in Swedish and secondarily in English, by email and/or messages on "My Tradera". In the event of any discrepancy in interpretation between the Swedish version of these Terms and any translation thereof, the Swedish version shall prevail.

4. Payment in Tradera’s Checkout Solution, authorisation and allocation of responsibility

4.1 Provision of payment methods

When a Buyer makes payment on Tradera’s Platform, the external payment methods available from time to time are offered in Tradera’s Checkout Solution (which may include, for example, Swish, card payment, Apple Pay, Google Pay, Klarna and Trustly). The current range of payment methods is shown directly at checkout on Tradera’s Platform.

Where payment is made using an external payment method, the transfer of funds from the Buyer’s account or payment instrument is provided by the Buyer’s bank and/or the relevant external payment service providers, which are supervised by the Swedish Financial Supervisory Authority (Finansinspektionen) or an equivalent foreign supervisory authority. In connection with making payment, the Buyer may need to enter into a separate agreement with the relevant provider and accept its terms. Any currency conversion in respect of payment in a currency other than SEK is in that case carried out by the external payment service provider in accordance with its terms. Tradera does not provide any currency conversion services to the Buyer.

Tradera reserves the right at any time to change, add or remove the external payment methods available in Tradera’s Checkout Solution, or to change the providers of such payment services. A Seller is not entitled to charge for the Buyer’s ability to use Tradera’s Checkout Solution.

4.2 Allocation of responsibility for payment

Any queries, delays or errors arising in connection with the payment and transfer step at checkout (before the payment has actually been confirmed) shall in the first instance be resolved between the Buyer and the chosen payment service provider or the Buyer’s bank.

4.3 Special provisions on payment via Klarna

If a Buyer chooses to pay via Klarna, the Seller accepts that the claim against the Buyer is assigned to Klarna. The Seller acknowledges that payout for the transaction is made via Hyperwallet, and that no payment claims in respect of the payout may be made against Klarna or Tradera; responsibility for effecting the payout rests with Hyperwallet.

4.4 Information required for correct execution of a payment order

For a purchase and the related payout to be executed correctly, the following information must be provided:

• At payment in checkout: The Buyer must provide the payment details and complete the verification required by the chosen external payment service provider in Tradera’s Checkout Solution.
• At payout/sale: The Seller must have a registered user account with Tradera and must register the account details, PayPal email address or bank account required by Hyperwallet under their profile settings on My Tradera.

Tradera is not liable for delayed or failed transactions or payouts resulting from your having provided incorrect or incomplete information.

4.5 Execution of payment and binding purchase

The Buyer authorises the payment directly with the chosen external payment service provider using the authentication method specified by that provider. Once payment has been confirmed in Tradera’s Checkout Solution, the purchase becomes binding between the Buyer and the Seller in accordance with Tradera’s User Agreement, and the payment cannot be reversed or cancelled through checkout. For any return, right of withdrawal or dispute concerning a purchased item, reference is made to Tradera’s buyer protection under Section 8 and applicable rules of sale of goods law.

4.6 The Seller’s delivery obligation upon confirmed payment

Once Tradera has confirmed that the Buyer has paid for the entire order, the Seller is obliged to dispatch or hand over the item to the Buyer without delay, and no later than within the period (normally within seven (7) days) stated in the listing, the payment confirmation, or Tradera’s Seller Rules as in force from time to time.

5. Tradera Wallet and execution of payouts

5.1 Recording in the Tradera Wallet

Once a Buyer has made a payment for an item sold and the payment has been confirmed and received, the amount is recorded on the Seller’s Tradera Wallet on My Tradera. The funds are held by Hyperwallet pending payout to the Seller’s external bank account or PayPal account. The Tradera Wallet for foreign Sellers constitutes a technical record of available funds and does not constitute a payment account or bank account provided by Tradera. The Seller may not make deposits of their own into their Tradera Wallet.

5.2 Payout via Hyperwallet

Payout of available funds from the Tradera Wallet to the Seller is provided and executed by Hyperwallet. If the Seller does not make an active choice, or if no new transactions or manual payout requests have taken place, the Tradera Wallet is subject to a standing payment order. This means that an automatic payout of the entire available Tradera Wallet is made by Hyperwallet to the Seller’s registered bank account or PayPal account no later than within thirty (30) days of the most recent payment being received, unless the Seller has provided a different payout instruction before then. By selling on the platform, the Seller agrees that payouts are made in accordance with Hyperwallet’s applicable terms.

5.3 Currency and currency conversion

Payments, wallet accounting and payouts may be subject to currency conversion depending on the Buyer’s and Seller’s local currencies and chosen payment methods. Any currency conversion fees or cross-border transfer fees charged by card issuers, banks or Hyperwallet are borne by the respective user. Tradera does not provide its own currency conversion services to Buyers or Sellers.

6. Fees, price, set-off and voluntary refunds

6.1 Marketplace fees

Tradera charges commission and additional fees for the Seller’s use of the marketplace in accordance with Tradera’s price list as in force from time to time.

6.2 Settlement and set-off

Tradera and/or Hyperwallet is entitled to deduct or set off the Seller’s fees due to Tradera (e.g. sales commission, buyer protection fee or return shipping) directly against the Seller’s Tradera Wallet before payout is made to the Seller’s external account.

6.3 Negative Tradera Wallet and recovery of amounts due

If the Seller’s Tradera Wallet becomes negative, for example as a result of a transaction being reversed under the buyer protection, a Buyer exercising a statutory right of withdrawal, or a card payment being reversed after payout has already been made, Tradera shall have an immediate claim against the Seller for the Repayable Amount. Tradera is entitled to settle the negative balance by setting off the amount against future payments credited to the Tradera Wallet via Hyperwallet, or by invoicing the Seller for the amount, subject to the payment term stated on the invoice.

6.4 Voluntary refunds

If a Transaction is to be refunded in whole or in part by the Seller because the Seller and the Buyer have agreed to this (e.g. where a right of return has been granted or a right of withdrawal exercised), the refund must be made exclusively via Tradera’s Platform and not through external payment methods outside the platform.

7. Blocking of the Tradera Wallet and withholding of payouts

Tradera reserves the right to block the use of the Tradera Wallet, and to instruct Hyperwallet to withhold a payout to the Seller, if:

1. there is reasonable suspicion of unauthorised or fraudulent use;

2. it is required by law (e.g. suspicion of money laundering or terrorist financing);

3. the transaction may reasonably be suspected of involving a breach of applicable law by the Seller, or of giving rise to a claim against a person who may reasonably be assumed to share a financial interest with the Seller;

4. the transaction involves the Buyer acquiring cash (e.g. currency exchange or a cheque);

5. the Seller materially breaches these Terms, the User Agreement, the Seller Rules or the terms of the seller protection;

6. it occurs in connection with an escalated dispute resolution case under the buyer protection; or

7. the transaction is one in which the Buyer, acting as a consumer, has exercised their statutory right of withdrawal against a Seller acting in the course of business.

Tradera shall notify the user of the block and the reasons for it before the block takes effect, or immediately thereafter, unless such notification would compromise security considerations or would be unlawful. The Seller acknowledges that payouts via Hyperwallet may also be delayed or stopped directly by Hyperwallet where required by law, a decision of a public authority, or Hyperwallet’s own user terms.

8. Buyer Protection and Seller Protection

8.1 Buyer Protection and Dispute Resolution

Scope: Subject to certain conditions, a Buyer has the benefit of a buyer protection under which the Buyer may have disputes handled and may be refunded the amount paid for a transaction. The maximum amount refundable under Tradera’s buyer protection is SEK 50,000.

Availability: Buyer protection is mandatory where the Buyer chooses to pay through Klarna. For other payment methods (such as Swish, card payment etc.), buyer protection is made available for a fee and is mandatory for shipped orders. For a Buyer residing in Sweden purchasing from a private Seller, buyer protection is optional if:

• The value of the goods in the order is below SEK 200, or
• The Buyer chooses to collect in person.

For purchases from foreign business Sellers, as well as for all purchases made by Buyers residing outside Sweden, buyer protection is always mandatory for shipped orders.

Whether buyer protection is mandatory or available for an additional fee is indicated before the Buyer selects a payment method. When buyer protection is included in a purchase, the Seller must fulfil its obligations in relation to Tradera’s buyer protection.

Exclusions from buyer protection: The following purchases are never covered by Tradera’s buyer protection:

• purchases of real property (including residential property);
• purchases of vehicles (motor vehicles, motorcycles, caravans, aircraft and boats), other than private, portable, light recreational vehicles (e.g. bicycles and hoverboards);
• purchases of customised items (unless the recipient claims that the items did not arrive);
• purchases of items equivalent to cash (including, without limitation, gift cards);
• purchases of tickets to events (e.g. sporting or concert tickets); and
• purchases of goods and services prohibited under Tradera’s Seller Rules.

Dispute resolution procedure: Where a Seller and a Buyer have a disagreement (e.g. non-delivery, or the item differing materially from its description), the parties may resolve the disagreement through the dispute resolution system on My Tradera. The dispute must be initiated within 30 days of the purchase, and all communication must take place through the system. If the parties do not reach a resolution within ten (10) days, the Buyer may escalate the dispute to Tradera. If the dispute is not escalated within 10 days, it is automatically closed in the Seller’s favour. The Seller is obliged to respond to the Buyer’s complaint without delay and to provide the requested evidence. If the Seller fails to submit the requested evidence within the time specified, Tradera may decide the case in the Buyer’s favour on the basis of the evidence available.

Decision and return of goods: If the dispute is resolved in the Buyer’s favour, Tradera may require that the item be returned to the Seller or to Tradera before a refund is made. The Seller is obliged to collect a returned item within the carrier’s specified time frame. If the Seller does not collect the item, Tradera shall store it for up to one (1) month, after which Tradera shall be entitled to determine ownership of the item. Tradera is entitled to charge the Seller a handling fee, in accordance with the applicable price list, for an uncollected buyer return. If a refund has been made to the Buyer and Tradera has an outstanding claim against the Seller for the Repayable Amount, Tradera reserves the right to retain the item in storage until the Seller’s debt to Tradera has been settled in full.

Tradera’s decision in a case may not be appealed to Tradera, but the parties remain free to reach a different resolution in another forum.

8.2 Seller Protection

Scope: Subject to certain conditions, a Seller is entitled to Tradera’s seller protection, under which the Seller may retain payment received even if the Buyer claims that the item was not received or does not conform to its description.

Exclusions: The same categories of goods excluded from the buyer protection under Clause 8.1 are also excluded from the seller protection.

Conditions for Seller Protection: For the seller protection to apply, the following conditions must be satisfied:

1. the Seller sends the item to the delivery address approved by Tradera at the time of payment. If the Buyer’s delivery address has changed after the purchase was completed, Tradera will notify the Seller of this in the email confirmation sent once the Buyer has paid for the item, and the information will also be available on My Tradera;

2. for goods with a price exceeding SEK 200, the goods must have been handed over to the Buyer by the Seller or by an engaged carrier for the Seller to be covered by the seller protection. If the Buyer claims not to have received the delivery, Tradera will ask the Seller for evidence proving that the Seller, or the engaged carrier, delivered the goods to the Buyer. Tradera therefore recommends that Sellers send goods with tracking, e.g. a tracking number from the carrier;

3. the Seller chooses a shipping method under which the goods are insured up to their value;

4. the Seller must adequately describe all goods in the listing, in text and by photographs, so that the Buyer can examine the item and its condition before entering into the purchase agreement with the Seller. The Seller must also hand over the goods to the carrier in the same condition as described in the listing; and

5. the Seller must have sent the goods to the Buyer in a suitable manner, meaning that delivery must be effected by packaging and dispatching all ordered goods in a way that minimises the risk of damage to the products.

9. Intellectual property rights

Tradera reserves ownership of all intellectual property rights in everything developed by Tradera to which the user has access under the Terms and on Tradera’s Platform. The user undertakes, in particular, never to use any sign, logo, symbol or other material that could be confused with Tradera’s trademarks.

10. Personal data and customer due diligence

Tradera’s Privacy Policy, as in force from time to time, applies to personal data processed by Tradera in connection with these Terms. Personal data is also processed independently by external payment service providers in accordance with their respective privacy policies when their services are used. In connection with the administration of the Tradera Wallet, the holding of funds, and the execution of payouts, personal data is processed independently by Hyperwallet in accordance with Hyperwallet’s Privacy Policy.

Tradera and its partners are required to comply with applicable regulations on measures against money laundering and terrorist financing (AML/KYC). Tradera reserves the right to request information and verification from Buyers and Sellers in order to establish identity and purpose.

11. Term, termination and Force Majeure

11.1 Term

The Terms apply for an indefinite period from the time you begin using Tradera’s Platform.

11.2 Termination by the user

You may terminate these Terms at any time, with immediate effect, via the settings on My Tradera or by written notice to Tradera. Please note that terminating the Terms means that you will no longer be able to buy, sell or carry out transactions on Tradera’s Platform, and that your user account with Tradera will accordingly be closed.

11.3 Termination by Tradera

Tradera is entitled to terminate these Terms and to close or suspend the user’s account in accordance with Tradera’s User Agreement (e.g. in the event of a material breach of contract, suspected fraud, or a breach of the Seller Rules).

11.4 Withholding of funds upon termination

Upon termination of the Terms or closure of the user account, Tradera is entitled to instruct Hyperwallet to withhold payouts from the Tradera Wallet until all outstanding transactions have been verified, all relevant withdrawal and dispute periods under the buyer protection have expired, and any outstanding fees or claims owed to Tradera have been settled.

11.5 Force Majeure

Neither the Buyer, the Seller nor Tradera shall be held liable for non-performance or delayed performance where the cause is lightning strike, sabotage, action by a public authority, power outage, failure of the internet or telecommunications, or any other event beyond the reasonable control of the party concerned. The foregoing applies for as long as such force majeure event continues. The party invoking force majeure is obliged to take reasonable steps to limit the damage caused by the event. If the force majeure event continues for more than sixty (60) days, either party is entitled to terminate the Terms.

12. Amendments to the Terms

Tradera is entitled to amend these Terms from time to time. Amendments to these Terms are notified, take effect, and may be terminated in accordance with the rules and notice periods set out in Tradera’s User Agreement (Clause 17.5 for private individuals and Clause 17.6 for business users, respectively).

If you do not accept the amended terms, you are entitled, before the amendment takes effect, to terminate these Terms and close your Tradera user account immediately and free of charge. By continuing to use Tradera’s Platform or to carry out transactions after the amendments have taken effect, you shall be deemed to have accepted the amended terms.

13. Governing law, jurisdiction and customer service

13.1 Governing law

The Terms shall be interpreted and applied in accordance with Swedish law.

13.2 Jurisdiction

Any dispute concerning these Terms or the use of Tradera’s marketplace shall be determined by the Swedish general courts, with the Stockholm District Court (Sw. Stockholms tingsrätt) as the court of first instance.

13.3 Customer service and enquiries

Enquiries concerning the marketplace, completed purchases or dispute resolution cases (buyer protection) should be directed to Tradera’s customer service by email (kundservice@tradera.com) or via chat while logged in on My Tradera.