Market Terms

1 · What this covers

These terms cover selling a card through Harmony Collect: you keep the card, we list it in our shop, and you are paid when a buyer pays. It is not us buying the card from you — that is a different offer with a different price, published under Buyback Terms.

THE CARD REMAINS YOURS UNTIL A BUYER PAYS FOR IT. We hold it, photograph it and list it. We do not own it, we cannot sell it below the price you agreed, and it is not ours to put into a pack, a bundle or any other product.

Only graded cards with a certification number are listed this way. A card is listed against its certification number, not its title, because five cards can carry the same title and differ only by grade.

No card bought from another collector carries a 12-month buyback for its buyer, whatever its origin. In the buyer’s vault we buy it back only through a Harmony offer, when we make one, and no plan raises it. The listing shows both before they pay.

Selling a card here ends any 12-month buyback it carried for you.

2 · Our fee

Our fee on a sale paid out in dollars is 5% of what the buyer paid, or 3% on any sale above $1,000, plus a $2.00 listing charge for photographing and publishing the card across the stores. On a $300 sale that is $17.00; on a $1,500 sale it is $47.00.

You choose where the proceeds go when you list, and the choice is fixed with the rest of the agreement: to your Balance, at the fee above, or as Harmony Cash, for no fee.

The listing charge is collected only when the card sells. There is no relisting fee, no monthly fee, no fee for taking a card back off sale, and no charge at all if it never sells.

3 · The fee is fixed on the day you list

THE FEE IS FIXED ON THE DAY YOU LIST, and the whole of it — the rate, the threshold and the listing charge — is recorded against your listing. If we change what we charge afterwards, your listing settles at what you agreed to, however long it sits.

A change we publish applies to listings created after it. We do not reprice a live agreement and we do not ask you to accept new terms to keep a card on sale.

4 · Setting the price

You set the asking price. We confirm it with you before the card goes live, and the highest price we can list at is $25,000 — above that it is a conversation with a person, not a form.

Either of us can propose a new price while it sits unsold. Nothing changes until you agree to it.

A card typically sells in about 23 days. That is what has happened, not a promise: we cannot guarantee your card sells at all, and this document does not say it will.

5 · When it sells

When a buyer pays, the sale price minus our fee goes to your Balance, or to your Harmony Cash if you chose it, the same minute. We do not hold it for a settlement period and we do not wait for the card to reach the buyer.

The sale price is what the buyer actually paid for that line, which can differ from your asking price if we agreed a change. Your statement shows the sale price, the fee and what you received, on the same row.

6 · Getting paid

Your balance can be withdrawn to your bank. The withdrawal carries a 3% fee, which is what card and bank processing costs us to move money out; sale proceeds themselves carry no additional charge.

Harmony Cash is different: it is store credit, it buys cards and packs inside Harmony Collect, and it cannot be withdrawn.

PROCEEDS TAKEN AS HARMONY CASH carry no fee at all, because credit costs us less than cash does, and they land in your Harmony Cash rather than on your Balance, so they cannot be withdrawn. A sale with no fee earns no Harmony Rewards XP, for the buyer or for you.

A CARD THAT SELLS BACK TO US IN HARMONY CASH ONLY (one paid for in Harmony Cash or by somebody else, or from a pack that was) may be listed like any other, and you may take its proceeds either way. The rule goes with the card: the listing tells the buyer, before they pay, that from the vault they can sell it back to us in Harmony Cash only, as you could.

7 · Taking a card off sale

You can take a card off sale at any time before a buyer pays for it, at no cost. It returns to your vault and there is nothing to settle.

Once a buyer has paid, the sale is done. We cannot cancel it to return the card to you, because at that point it belongs to somebody else.

We may decline to list a card, or take one down, if we cannot verify the certification, if the slab is damaged, or if listing it would breach a marketplace or payment rule we are bound by. If we do, we tell you which of those it was and the card goes back to your vault.

We also take a listing down if a payment behind the card is reversed by the bank. The card goes back to your vault and stays there until the reversal no longer stands or a person has looked at it. If the payment was somebody else's, such as the seller who sold you the card, a person can let the card go: write to customerservice@harmonyeshops.com.

If your account is frozen, or put on hold while we review it, we take its listings down, except one a buyer is already paying for. Each card goes back to your vault, and none goes back on sale by itself when the freeze or the hold is lifted: you can list it again.

8 · What we do not do

We do not re-grade your card and we do not represent the grade as ours. The grade and the certification number are the grading company's statement about that slab, and we publish them as such.

We are not affiliated with PSA, CGC, BGS or any grading company, and listing a card here does not make us an authorised dealer of anything.

We do not guarantee a sale, a price, or a time to sell, and nothing on this page or on the Sell page should be read as one.

9 · Custody, liability and governing law

With counsel. What happens if a card is lost or damaged while we are holding it for you, and which state’s law governs a dispute, are being written by a lawyer. We would rather name that gap than fill it with text that reads finished and is not.