Agreeing on Payment Methods Cash, Twint, Bank Transfer, etc.

Agreeing on Payment Methods on markto.ch

markto.ch does not handle payments, escrow, or hold funds — all payment happens directly between buyer and seller during pickup or meetup. Agreeing on the method early avoids confusion and builds trust.

Most Common & Safest Methods on markto.ch

• Cash on pickup (by far the most popular and recommended)
• Pros: Instant, no fees, no reversal risk, easy for local deals.
• Cons: Buyer needs exact change; seller handles cash safely.
• Best for: All items under CHF 1,000–2,000, first-time meetups.
• TWINT (Swiss mobile payment app — very common in Switzerland)
• Pros: Fast, contactless, shows proof instantly via screenshot, low/no fees for private transfers.
• Cons: Buyer needs TWINT app + linked card/bank; seller must accept QR code or phone number transfer.
• Best for: Mid-value items (CHF 100–1,000), when both use TWINT.
• Bank transfer / e-banking (e.g., via Raiffeisen, UBS, PostFinance app)
• Pros: Traceable, good for higher amounts.
• Cons: Takes time (can be instant with same-bank, 1–2 days otherwise), risk of chargeback or fake proof.
• Best for: High-value items (cars, watches, electronics > CHF 1,000) — only if buyer/seller know each other or after in-person inspection.

Less Common / Riskier Methods to Avoid or Use Cautiously

• PayPal “Friends & Family” — rare, fees apply, reversible.
• Advance payment / deposit — high scam risk; never accept unless you fully trust.
• Western Union, MoneyGram, crypto — almost always scams on classifieds.
• Shipping + payment first — avoid unless using a trusted service (markto.ch has no shipping integration).

How to Agree on Payment in Messages

1. Bring it up early (after price & pickup agreed)
   Buyer example: “Cash on pickup OK? Or TWINT fine too?”
   Seller example: “Cash preferred, TWINT also works if you show confirmation before handover.”
2. Confirm clearly in writing
   “Final: CHF 250 cash on pickup Saturday 14:00 at Migros [city]. I’ll count before you leave.”
   “CHF 180 via TWINT — send to [your TWINT number] when we meet and item is checked.”
3. For TWINT / digital payments

• Agree to pay after inspection/handover.
• Seller shows item working → buyer sends TWINT → seller confirms receipt → buyer takes item.
• Always save screenshot of transfer confirmation.

1. Safety rules everyone follows

• Never pay in full before seeing/inspecting the item.
• No advance transfers (“deposit to hold”) — serious buyers don’t ask.
• Meet in public, daylight if possible.
• For high-value: Test item fully before any payment.

Quick Comparison Table

Bottom line: Stick to cash or TWINT at handover for 95% of markto.ch deals — confirm method + amount in chat, inspect first, pay last. Keeps it simple, fast, and safe.

Smooth payments, happy trades! 💳