Somebody wants what you are selling and cannot pay the whole amount today. They asked, through us, whether you would let them pay you monthly instead. You are under no obligation. If you are open to it, there are two ways to do it. Either way you write your own agreement with our system, you stay the seller, and the payments settle in your own account.
You pick one. It is written into the agreement exactly as you chose it, before anybody signs.
You let the buyer pay you monthly, and the total they pay is exactly your cash price. You wait for your money and you ask nothing extra for waiting. In return your listing reaches the buyers who can pay monthly but cannot pay all at once — and it carries the strongest badge on the platform.
You are paid your full cash price at closing by the community fund. The fund then becomes the seller of record and carries the monthly payments. You have no schedule to wait for, nothing to collect and no paperwork to hold afterwards. This depends on funds being available for your item, so it is a choice you register — not a promise we make.
Whichever you choose: you write your agreement with our system — the contract and the document that records your claim on the item — the payments settle in your own account, and no money passes through a Fotoh account. The buyer pays no platform fee, and neither do you: qardon.com is free for sellers. See exactly what we do →
Nothing here is a signature. This records which of the two you want, so we can prepare the agreement and put it in front of you in writing.