Payment Policy

This Payment Policy explains how payments, deposits and the TRACER wallet work on the platform operated by TRAFFIXORA OÜ (registry code 17543319), Maakri tn 19/1, 10145 Tallinn, Estonia ("Company", "we", "us"). You pay in the currency you choose — euro (EUR) or US dollar (USD). By topping up your wallet or making a purchase you agree to the terms below.

TRACER runs on a prepaid wallet. You add credit to your wallet, then spend that balance on skins. Card top-ups will be handled by a secure, PCI-DSS-compliant payment provider — we never see or store your full card number — and will accept Visa and Mastercard credit and debit cards. Card top-ups are not live yet: the payment provider is still being set up, no card is charged on TRACER today, and the top-up form says so.

Two ways to pay:

• Card top-up (Visa / Mastercard) — once live, adds credit to your wallet on successful authorisation. Not available yet.
• Wallet balance — used at checkout for any skin purchase. No card is charged at checkout when your balance covers the order.

You pay in the currency you choose: euro (EUR) or US dollar (USD). Your wallet balance is kept in US dollars, because the skin catalogue is priced in US dollars. If you top up in euro, we convert the amount into your US-dollar balance at the day's European Central Bank reference rate; the rate and the resulting balance are shown to you before you pay. A custom top-up can be from €1 to €20,000 (or the US-dollar equivalent). The price shown on a listing is the price you pay — there are no hidden buyer fees added at checkout.

Card data is processed entirely by our PCI-DSS-compliant provider over an encrypted connection. TRACER stores only a transaction reference, never your card number or CVV. Suspicious activity may trigger additional verification or a temporary hold to protect your account.

Users who sell their own items on the platform accrue the proceeds (net of a 10% platform commission) in their wallet; each sale becomes withdrawable 3 days after it is made. The full rules are in our Seller Terms. Withdrawals are requested from your wallet and paid only by manual bank transfer to an IBAN account held in your own name. We do not pay out to cards, PayPal, Wise, cryptocurrency or any other method. Credits you buy via card top-up are used to purchase items and are not withdrawable as cash.

Before your first withdrawal is released we verify your identity: full legal name, a government-issued identity document (such as a passport), residential address, and bank details (account holder name, IBAN, BIC and bank country). Your identity document is stored privately and only authorised staff reviewers can view it. Verification and every payout are reviewed by our staff and must be approved. We may apply limits, request further information, and delay or decline payouts to prevent fraud and to comply with applicable law. Payouts are typically processed within a few business days of approval.

We do not serve persons located in, or ordinarily resident in, Russia, Belarus, Iran, North Korea, Syria, Cuba, or anyone on an EU, UN or US sanctions list; connections from those countries are refused on every page, and we refuse a card top-up with a billing address there and a payout to a bank account there. We may refuse, freeze or report a top-up, purchase or payout under anti-money-laundering rules.

If a top-up is declined, no credit is added and no charge is settled. Catalogue skins are bought for you from sellers on TM Market (market.csgo.com) when you check out. If the purchase cannot be placed, or the seller does not complete the Steam trade in time, the amount is automatically returned to your wallet — see our Refund Policy. Refunds for failed purchases always credit your wallet; withdrawable balances earned from selling your own items are paid out through the withdrawal process described above.

If you believe a charge is incorrect, contact us first at support@tracer.auction — most issues are resolved within a day. Raising a chargeback without contacting us may lead to your account being suspended while we investigate, in line with our Terms of Service.

For payment questions, email support@tracer.auction or write to TRAFFIXORA OÜ · registry code 17543319 · Maakri tn 19/1, 10145 Tallinn, Estonia. This policy is governed by the laws of the Republic of Estonia.