SWAPD Fees Explained

Here is a quick breakdown of SWAPD current fee structure.

  • SWAPD provides middleman (escrow) services for rights to online assets and virtual items/properties. For this service, we charge anywhere from 1-10%. Please use our fee calculator to estimate the exact price for our services. Our fee is deducted from the total agreed price, before money transfer fees. This fee is non-negotiable and non-refundable. If you are a VIP member your fees will be lower, as stated in your membership agreement. For example, VIP members have a progressive fee structure, ranging from 5-9%.
  • On top of our fee, there will be additional fees related to moving the money from point A to point B. These fees are covered by sellers, no exceptions. Sellers aren’t allowed to transfer this fee onto buyers. The amount of these fees will vary, depending on payment method, country of buyer/seller, and a few other factors.
  • Changing payment merchant payouts isn’t allowed. This means that if the agreed transaction is conducted via bank wire, the buyer/seller has to accept a bank wire. You cannot cross-exchange payments from PayPal to bank wire, for example.


What is the cheapest form of payment on SWAPD?

Here are the four payment methods we currently accept, in the order of most expensive to cheapest. We invite sellers to use our fee calculator to estimate the total they will receive after a successful sale.

#1 PayPal (Most expensive)
PayPal is the fastest payment option we provide during checkouts. However, in order to protect you from chargebacks and payment reversals, the payments go through our company accounts. PayPal usually charges 4-5% each way, so with two transactions, the fee jumps to 9-10%. We recommend using our other, cheaper payment merchants.

#2 Bank Wire
Bank wire payments are great for transactions 1000 USD and up. This is because international bank wires can get costly, running anywhere between 15-45 USD per wire. On average, a wire fee is 25 USD one way. However, please keep in mind that once the money reaches your bank account, your personal banking institution will deduct another fee on your end. Since every bank has different rates, we cannot factor in these costs. The good thing about bank wires is that the fees stay virtually the same, whether the wire is for 1000 USD or 30000 USD. Making them cost effective for larger transactions.

#3 TransferWise.com
TransferWise.com is one of the cheapest payment merchants we offer. On average, money transfers cost anywhere from 4-5 USD. If you set up a Borderless TransferWise account, the transfers will be free of charge. TransfwerWise.com is a new payment merchant, they are basically a company that provides their clients access to bank accounts from all over the world, and they offer one of the cheapest exchange rates we’ve seen. Having an account on TransferWise is like having your own personal bank account in every major country, which means you can wire/send payments quickly to any part of the world, at a fraction of a cost when compared to standard international wires.

#4 BitCoin (Cheapest)
BTC, or commonly known as BitCoin, is the most known and recognized cryptocurrency in the world. BTC is virtual currency that holds real (fiat money) value. You can buy/sell BitCoin into any currency you wish by using one of the countless BTC exchange websites. BitCoins are the cheapest form of moving money on SWAPD and we highly recommend it. However, there is a negative side to BitCoin. The value of BTC is very unsteady and is not uncommon to see the exchange rates jump up and down up to 200-300% per day. SWAPD will not be responsible for any losses and only pays out in BTC, and not in the value of the current exchange rates.

How long does a Bank Wire take?

Usually within 1-3 business days. In rare cases, 4-6 days. The transit time depends on your bank policies, country of residence, upcoming holidays, etc.

What are your current methods of payment?

We currently accept PayPal, Bank Wire, TransferWise.com, and BTC.

If a buyer pays with PayPal, can I get a Bank Wire?

No. Cross merchant payouts aren’t allowed. Our company accounts run in our native currency, PLN. When our company gets paid in USD, we have to convert the payment into PLN, only to exchange into USD again in order to send it, thus losing money due to unfavorable exchange rates.

Does SWAPD accept Payoneer?

No. Our company does not currently accept this merchant.

Why is SWAPD is so expensive? 11-19% for everything seems excessive.

11-19% isn’t considered expensive by industry standards. For example, Booking.com charges hotels 15% per booking, and they only connect a client to a hotel. Yes, we aren’t Booking.com, but unlike them, we operate in a hostile environment. It’s no secret that this business model is plagued with con-artists. Since the things we deal with are virtual in nature, many people take advantage of this and continuously try to exploit our clients. Chargebacks and cheated buyers are nearly always compensated by our company. Also, in order to keep you safe, we manage and audit every property during checkout. This takes time and manpower. So, while our fee may seem high, for the amount of comfort and protection you get, we say it’s well worth it.

What is the cheapest way of buying/selling on SWAPD?

Currently, the best way of buying/selling properties on SWAPD is via TransferWise.com or BitCoin. TransferWise fees are 1-6 USD one way, and with BTC, it’s just pennies. To keep the overall fee to a minimum (less than 11%), we recommend you go with these two methods of payment.

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