RareLink's "protected checkout" describes how we route money through Stripe Connect's separate-charges-and-transfers payment model.
What protected checkout IS
- When a buyer pays, the funds go into Stripe's custody — not into RareLink's bank account.
- RareLink does not transfer those funds to the seller's Stripe Connect account until either (a) the buyer accepts the item or (b) a 72-hour inspection window expires without a dispute.
- Sellers must upload carrier tracking. The inspection timer is armed by the delivery scan.
- If a buyer opens a dispute, the transfer is frozen and RareLink's admin team reviews evidence before resolving.
What protected checkout IS NOT
- Stripe-held inspection window. RareLink uses Stripe Connect payment flows during the inspection period and does not directly custody buyer funds. High-value items receive additional review before listing.
- Not insurance. If a card is lost in shipment after a delivery scan, the protection window has elapsed. Buyers should require signature confirmation for high-value items.
- Not a guarantee of authenticity. RareLink does not authenticate cards. We adjudicate disputes based on evidence submitted by buyer and seller. For graded cards we recommend including the cert number so buyers can verify with PSA/CGC/BGS directly.
- Not a substitute for chargeback rights. A buyer who pays by credit card retains the right to file a chargeback with their bank. If Stripe's chargeback process overrides RareLink's dispute decision, Stripe wins.
Why we're this careful
Several US states define money transmission broadly enough that a platform holding buyer funds — even briefly — can fall under MTL licensing requirements. By using Stripe Connect's pattern (funds remain in Stripe's licensed custody), RareLink's role stays on the platform-services side of that line.
We will not operate in jurisdictions where this interpretation is contested until we have explicit guidance or licensing in place. Currently excluded: NY, TX, CT.
Questions
Email legal@rarelink.ink.
