On every HOLO order
How escrow works
HOLO holds your payment while the seller ships your card. We release it when you confirm receipt or 14 days after the seller marks it shipped, unless a dispute is open.
You pay
HOLO holds it
Card arrives
You check it
You confirm or the window ends
Payment is released
What happens to your money
Four steps from checkout to payout. Notice where your money sits for most of it.
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Step 1
You pay
Check out and pay for the card like any other online order. The money leaves your account, but it does not go to the seller.
Your money: Held by HOLO
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Step 2
The seller ships
The seller packs your card and adds a tracking number, which appears on your order. They still have not been paid.
Your money: Held by HOLO
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Step 3
You check the card
Your card arrives. Open it and compare it to the listing — the grade, the condition, the photos.
Your money: Held by HOLO
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Step 4
The seller gets paid
Happy with it? Tap Confirm received to release payment. Otherwise, it releases automatically 14 days after shipping unless a dispute is open.
Your money: Released to the seller
Your 14-day release window
The clock starts when the seller marks the order shipped, not when it arrives. Confirm receipt only after checking the card: confirmation releases your payment early. If there is a problem or the card has not arrived, open a dispute before confirming and before the 14-day window ends. An open dispute blocks automatic release.
Confirm after checking. Confirmation releases your payment early. Open a dispute instead if something is wrong.
Automatic release. After 14 days from shipping, your payment is released unless a dispute is open.
If something goes wrong
Report a problem while your payment is still held. Opening a dispute blocks release while HOLO reviews the order.
Report a problem instead
Wrong card, worse condition than the listing, or nothing arrived at all? Open a dispute from your order before you confirm receipt and before 14 days have passed since shipping. An open dispute blocks both confirmation and automatic release while we look into it.
You get refunded
If the card is not what was listed, we refund your payment to the card you paid with.
The seller gets paid
If the order turns out to be exactly as described, we release the money to the seller.
What it looks like as a seller
Escrow protects you too. It is the reason buyers are willing to pay upfront for a card they have only seen in photos.
The money is already collected
Before you post anything, the buyer has paid in full and we are holding it. You are never chasing someone for payment.
Ship, then add tracking
Marking the order shipped with a tracking number is what starts the release clock on the buyer's side.
Paid to your bank
When the buyer confirms — or the 14-day window after shipping ends with no open dispute — we release your payment, minus your platform fee, for transfer to your bank.
Common questions
- Does escrow cost me anything as a buyer?
- No. Escrow is how every HOLO order works, and it is included in the price you see. There are no buyer fees on top.
- What if I bought from two sellers at once?
- Each seller's share is held separately. Confirming or disputing applies to that seller's items, so one slow seller never holds up another.
- Can the seller take the money early?
- No. Sellers cannot release their own payment. It moves only when you confirm, when the auto-release window closes, or when support resolves a dispute.
- What if the card never arrives?
- Open a dispute from your order before confirming receipt and before the 14-day window after shipping ends. An open dispute blocks payment release while HOLO reviews the problem. Do not wait for the deadline if the card has not arrived.
- How long do refunds take?
- Once a dispute is resolved in your favour, the refund goes back to the card you paid with. Your bank usually shows it within a few working days.
Every order on HOLO works this way
There is nothing to switch on and nothing extra to pay. Find a card you want and it is already covered.