Seller terms

Last updated 18 September 2026

These terms are the agreement between you and Nilfpay when you open a shop with us. They say what you may sell, what you may not, and who answers for it. The short version: the goods are yours, the responsibility for them is yours, and we can take a page down.

What Nilfpay is, and is not

Nilfpay gives you a page buyers can order and pay on, and moves the money to your bank. That is the whole of it. We do not make, handle, inspect, store, ship or test anything you sell. We are not a party to the sale between you and your buyer, we do not verify that your descriptions are accurate, and we do not check that what you sell is legal where you are. You do.

What you may not sell

You may not list, sell, advertise or take payment for any of the following through Nilfpay, even where it is legal in your state, and even if you hold a licence for it.

Drugs and anything derived from them

• Cannabis in any form, including marijuana, THC, delta-8, delta-9, delta-10, THCA, HHC and every other cannabinoid isomer or analogue, whether or not it is legal in your state.
• CBD and any other hemp derivative, including full spectrum, broad spectrum and isolate, in any product: oils, tinctures, gummies, drinks, baked goods, capsules, topicals, creams, balms, vapes, flower, pet products and paraphernalia. This applies even though hemp derived CBD is federally legal under the 2018 Farm Bill. See the note below.
• Controlled substances of any schedule, and any research chemical, precursor or analogue sold for consumption.
• Prescription medicines, veterinary medicines, and any product requiring a prescription, a pharmacy licence or a practitioner to dispense.
• Over the counter medicines and medical devices.
• Kratom, kava, nitrous oxide, poppers, salvia, psilocybin and other psychoactive substances, whether sold for consumption or "not for human consumption".
• Supplements making a medical claim, meaning anything you say treats, cures, prevents or diagnoses a condition, and anything containing an ingredient the FDA has restricted.
• Drug paraphernalia, and equipment or instructions for manufacturing any of the above.

Everything else on the list

• Alcohol, tobacco, nicotine in any form, vapes and e-liquids.
• Weapons, firearms, firearm parts and accessories, ammunition, explosives and fireworks.
• Counterfeit, replica or infringing goods, and stolen property.
• Goods subject to a safety recall, and anything you know to be unsafe.
• Live animals, and human remains, fluids or body parts.
• Sexual services, sexually explicit material, and anything involving a minor.
• Gambling, lotteries, raffles and games of chance.
• Currency, securities, cryptocurrency, gift card resale, and anything that is a financial instrument rather than a thing you made, fixed or found.
• Personal data, credentials, and access to accounts.
• Anything you need a licence or permit for that you do not hold, and anything prohibited by federal, state or local law where you sell.
• Anything our payment partners prohibit. Their rules bind us and therefore you, and they can change without notice.

Why CBD is on that list even where it is legal

Because we cannot process the payment. Card networks and the acquiring banks that stand behind every card transaction classify hemp and CBD as restricted or prohibited, separately from state law, and a platform that lets those sales through risks losing card acceptance for every seller on it. So this is not a moral position and it is not about your state. One CBD shop would put every other shop's ability to get paid at risk, which is why the rule is absolute rather than case by case.

What you are promising us

When you list something on Nilfpay, you are telling us all of the following, every time:

• It is legal for you to sell it, to the buyer, where both of you are.
• You hold every licence, permit, registration and inspection your state and county require, including for food. If you sell food made at home, you meet your state's cottage food rules, including its labelling requirements and its limits on what may be sold and how.
• Your description, ingredients, allergens, photographs and price are accurate and not misleading, and the photographs are yours to use.
• You will fulfil what you sell, or refund it.
• You will handle your own sales tax, income tax and reporting.
• You are not on any sanctions or denied party list, and you are selling in the United States.

Responsibility, plainly

You are the merchant of record for every sale you make here. The sale is between you and your buyer. Nilfpay and its payment partner process the card payment on your behalf and pass the money to your bank; we are not the seller and we do not take title to anything. That has a practical edge worth knowing before your first order: chargebacks, disputes and refunds on your sales are yours, and where a card is disputed the amount can be taken back out of your payouts.

You are responsible for what you sell, to whom, and for what happens to them because of it. That includes any illness, injury, allergic reaction, property damage, loss, regulatory penalty, seizure, licensing action or claim of any kind arising from your goods, your descriptions, your packaging, your handling or your delivery. Nilfpay does not assume any of it, and nothing in the product, including any suggested description, price or category our software generates from your photographs, transfers any of it to us. Those suggestions are drafting help. What you publish is yours.

If you break these rules

We may do any of the following, with or without notice, and at our sole discretion:

• Remove a listing or take your whole shop offline.
• Suspend or close your account and cancel orders.
• Hold, reverse or refuse to pay out funds connected to a prohibited sale, including money already collected, and refund the buyer.
• Charge back to you any fine, penalty, assessment or cost our payment partners impose on us because of your sales.
• Report the matter to law enforcement or a regulator where we are required to, or where we reasonably believe someone is at risk.

We are not obliged to monitor listings and we do not review them before they go live. We may screen, review or remove anything at any time, and doing so once does not oblige us to do it again or make us responsible for what we miss.

Indemnity

You will defend, indemnify and hold harmless Nilfpay, its operators, employees and payment partners against any claim, demand, investigation, loss, liability, fine, penalty or expense, including reasonable legal fees, arising out of what you sell, what you say about it, your breach of these terms, or your breach of any law. This survives the closing of your account.

Limitation of liability

To the fullest extent the law allows, Nilfpay is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost sales or lost data, arising out of your use of the service. Where liability cannot be excluded, our total liability to you for any claim is limited to the fees we earned on your sales in the three months before the event that gave rise to it. Some states do not allow some of these exclusions, and where that is so, this section applies as far as it legally can and no further.

If you are buying

You are buying from the seller, not from Nilfpay. The seller is responsible for the goods, the description, the ingredients and allergens, the fulfilment and any refund. If something is wrong with an order, contact the seller first; if you cannot reach them, write to [email protected] and we will help where we can. Pages marked Not on Nilfpay yet were built by us from public information and nothing on them is for sale; see how unclaimed pages work. Where an order is marked Nilfpay Protection at checkout, the next section applies as well.

Nilfpay Protection

Where an order is marked Nilfpay Protection at checkout, this section applies to that order, for the buyer and for the seller. It is a service we provide; it is not insurance and not a guarantee, and it does not reduce any right the law gives either of you. It applies to orders the seller delivers or ships. An order collected in person is not covered: the buyer pays the seller through Nilfpay as before, and Nilfpay holds nothing and decides nothing about it.

The hold. The buyer’s payment is collected by our payments partner and held at ComplyPay until the buyer confirms receipt, or until 72 hours have passed since the delivery was recorded, whichever comes first. A delivery is recorded when the buyer confirms receipt, or when a carrier records delivery and Nilfpay enters it. Nothing the seller alone enters releases a held payment. The seller is paid after that.

The fee. The protection fee is shown at checkout and paid by the buyer. It is refunded when the order is cancelled or refunded in full, and kept when the item is found to be as described.

What is covered. On an order the seller delivers or ships: an item not received (no delivery recorded within 30 days of payment, or a delivery that did not reach the buyer), and an item significantly not as described in the listing at the time of purchase. A report must be made from the order page within the 72-hour window, in writing, with photographs where the report concerns the item.

What is not covered. An order collected in person; change of mind; flaws the listing disclosed; damage after receipt; anything agreed or paid outside Nilfpay; reports made after the window; and items these terms prohibit selling.

How a report is decided. The seller answers first, within 72 hours. If the two of you do not settle it, a person at Nilfpay decides on the written record, normally within five business days, and tells both of you the decision and the reason. The decision releases the held payment to the seller, refunds the buyer from it in whole or in part, or orders a return, after which the refund follows the return. Refunds go back to the payment method used. One appeal per report, within 14 days, with new evidence only.

Chargebacks and bad faith. A bank chargeback filed while a report is open closes the report, and the protection does not then apply to that order. We may suspend payouts, close accounts and refuse the protection to anyone who uses it in bad faith, including reports we find to be false and returns of a different or empty item.

For sellers. By accepting a protected order you agree to the hold, to answer a report within 72 hours, to accept a return ordered under this section, and to the refund of the buyer from the held payment when a decision goes against the item. You remain the seller of record; nothing here makes Nilfpay the seller.

Changes, and the rest

We may change these terms. If a change is material we will update the date above and tell account holders by email before it takes effect, and continuing to sell after that is your acceptance of it. Nilfpay operates from the United States and these terms are read under United States law. If any part of this is unenforceable, the rest stands.