Paying in Person with Cash or Interac e-Transfer
Most orders on ShopBroker are paid online with a card or PayPal, and we hold that payment until your item is delivered or you confirm pickup. Some sellers also let you pay them in person when you pick up your item, either with cash or an Interac e-Transfer. Here's how it works and what to keep in mind.
When You'll See These Options
Cash and Interac e-Transfer appear at checkout only when:
The seller has turned them on for the listing, and
You're picking the item up in person (they aren't available for courier delivery).
If you don't see them, the seller hasn't offered them for that item. You can pick a secure online payment instead.
What's Different About These Payments
This is the part to read carefully. When you pay by cash or Interac e-Transfer, the money goes straight to the seller. ShopBroker doesn't hold, send, or handle it, so this payment is between you and the seller.
That means the protections you get from secure online payment don't apply:
No held payment. We don't authorize or hold the funds.
No chargeback through ShopBroker. We can't reverse the payment.
No ShopBroker Promise. Cash and e-Transfer orders aren't covered by our claims process.
If something comes up, you can still report a problem and we'll help you sort it out with the seller. We just can't refund or recover the money for this kind of payment.
The first time you choose cash or e-Transfer, we'll show you a short note explaining this and ask you to confirm you understand. After that, the options are available at checkout without the extra step.
The one-time confirmation you'll see the first time you choose to pay in person.
How Cash Works
Choose Cash (in person) at checkout and book your pickup.
Meet the seller, check the item, and hand over the cash.
The seller confirms they received the cash, which completes the order.
How Interac e-Transfer Works
Choose Interac e-Transfer at checkout and book your pickup.
When you're ready, we'll show you the seller's e-Transfer details and the amount. You send the transfer yourself, from your own banking app.
Mark the e-Transfer as sent, then the seller confirms once they've received it. That completes the order.
Staying Safe
Since these payments aren't protected, a few habits go a long way:
Meet in a public place or a police safe-exchange zone.
Check the item before you pay.
Keep all your messages in ShopBroker.
Never send money before you've seen the item in person.
For more on safe meetups, see In-Person Pickup: How It Works.
Prefer to Stay Protected?
If you'd rather have payment protection, choose a card or PayPal at checkout when the seller offers it. Your payment is held until delivery or pickup is confirmed, and the ShopBroker Promise applies. See How Your Payment Is Protected.
Need Help?
Tap the chat bubble or email [email protected] with any questions about paying in person.