Buyer Protection

How it works

When you pay, your money goes to our regulated payment partner, not to the seller. The seller posts the item or meets you for collection knowing the funds are real and committed. The money is only released when you confirm receipt or collection, or when the report window passes without a problem being raised.

What's covered

• Your order never arrives
• The item is significantly not as described: wrong item, undisclosed damage, missing parts, or not genuine
• The listing turns out to be fraudulent

What's not covered

• Changing your mind, or the bike not fitting you
• Wear and marks consistent with the listed condition
• Problems with deals paid for outside Peddler's payment system

Reporting a problem

You have 48 hours after delivery or collection to report a problem from the order page. If you report in time, your payment stays held while the dispute is resolved. If the window passes with no report, the payment is released to the seller automatically. If a posted order never arrives at all, report it from the order page and the money stays held while we investigate.

How disputes are decided

Both sides submit evidence: photos, the listing, and the message thread. Peddler reviews everything and decides whether the payment is refunded to you, released to the seller, or split where partial fault is clear. Refunds go back by the original payment method.

Collection purchases

For in-person collection, payment is made before collection is arranged, so neither side handles cash. Inspect the bike properly at handover, and only confirm collection once you are happy: confirming is what releases the payment.

Sellers are protected too

The same held payment protects the seller: funds are confirmed real before anything is posted or handed over, there is no cash at the door, and bank-transfer payments cannot be charged back the way card payments can.