What is the tc Pay Service?

The tc Pay Service is a payment service (hereinafter, “tc Pay Service”) offered by ZOCONET, S.L., (hereinafter, “todocoleccion”) to the users of the website available on the URL www.todocoleccion.net or of the mobile applications located on Apple App Store or on Google Play Store (hereinafter, the “Platform”) to grant greater guarantee for payments and shipping of lots.

tc Pay is integrated in the management of purchases and sales of todocoleccion and it secures the transaction, withholding the amount until the Buyer receives the order and confirms that he/she has received it without incident and it corresponds to the offer made through the Platform.

The tc Pay Service is granted by todocoleccion through the payment gateway offered by Stripe Spain, S.L. (hereinafter, “Stripe”), leader in the sector of secure payments on the Internet, which guarantees the deposit and security of transactions. In particular, tc Pay Service is carried out through a virtual POS associated to the Seller and integrated in todocoleccion so that, once Buyer and Seller validate the operation, the amount is transferred to the bank account indicated by Seller.


Who can access the tc Pay Service and how much does it cost?

The tc Pay Service is of voluntary adhesion for both Buyers and Sellers.

In the case of Sellers, the Service is free and only Sellers that have an average review over 4.5 and a minimum of 3 positive reviews from 3 different Buyers can gain access to it.

The tc Pay service is only available to Sellers residing in the following countries: Spain, Germany, Austria, Belgium, Denmark, Slovenia, Slovakia, Estonia, Finland, France, Greece, Ireland, Italy, Portugal, United Kingdom, Czech Republic, Switzerland, Latvia, Lithuania, Luxembourg, Norway, Netherlands, Poland and Sweden.

As for Buyers, the tc Pay Service has a charge, called “tc Pay Guarantee”, of 5% on the total amount of the transaction in question (including handling and shipping costs), which will be paid to todocoleccion.


Specific conditions for Sellers

Users must register on Stripe (https://stripe.com/es/privacy#translation) through the section assigned to it on the Platform of todocoleccion to enjoy our Payment Service. Stripe will need to verify the users’ identity and their data through a simple form.

Once the registration process for the tc Pay Service is completed, the user's account will be connected to the payment gateway, through our provider Stripe (hereinafter, the “Connected Account”), the Seller will have available the payment method: tc Pay, in its Sales Conditions and the tool 'Management tc Pay' in “My todocoleccion”.

Sellers should take into account that for registering themselves on Stripe and connecting their accounts, they must accept its own terms and conditions (https://stripe.com/es/ssa), as well as its privacy policy (https://stripe.com/es/privacy#translation).

All sales made as a Seller through tc Pay must be sent by certified shipping.

When a Buyer starts a process of purchase of any lot and selects the option of tc Pay as method of payment, the process will consist of the following steps:

  • 1.1 First, the Seller must complete all the information relating to the amount and shipping costs, on the Platform, for the Buyer to make the payment by credit or debit card, on the Platform.
  • 1.2 Payment will be made within the Platform of todocoleccion and has all the security guarantees. Thanks to the Stripe payment gateway, the Buyer doesn’t have to leave our Platform at any time.
  • 1.3 The system automatically will notify the Seller of when the Buyer has made the payment so that the former sends the corresponding order.

Once the Buyers has formalized the payment, the amount will be kept as a deposit until verifying that the delivery has been made correctly, the order has suffer no damage and the what has been purchase corresponds to what has been published in our Platform.

The Buyer, once received the shipment and verified that it conforms to what was purchased, will confirm that everything is correct, through the enabled option called “Confirm order as correct”. If the Buyer clicks on this option, the order is marked as “Correct order confirmed”, the amount of the order is available for the Seller in its 'Management tc Pay', for its withdrawal to its associated bank account.

If the Seller sends the parcel through our logistic Shipping Service tc (https://www.todocoleccion.net/servicio-de-envios), the entire process quickens. After 48 hours of confirmation as delivered, the amount of the order is available for the Seller in its 'Management tc Pay' for its withdrawal to its associated bank account.

If the Buyer requests help from todocoleccion, the order is marked as a Dispute, the payment is held in the payment gateway and marked as an open Dispute in the Seller's 'Management tc Pay', until todocoleccion resolves the incident.

The Seller has at his disposal the tool 'Management tc Pay' by accessing “My todocolecccion”, with all the information about the status of his collections received through tc Pay and with the option of withdrawing available balance to his associated bank account connected.

Since the Seller requests the withdrawal of money from his Connected Account until the money reaches his bank account, it may take 3 to 7 working days.

The Seller will be able to make monthly and freely four withdrawals of money. From the fifth monthly withdrawal, the cost will be 0.50 € + TVA per each withdrawal of money, which will be charged the first day of the corresponding following month by the usual payment system established by the Seller in his/her account.


Specific conditions for Buyers

If the Buyer has decided to pay his/her order through the tc Pay Service, after agreeing the shipping costs with the Seller, the system will provide a link for him/her to proceed with the payment. The payment is made within todocoleccion and with all the security guarantees thanks to the provider of todocoleccion Stripe, so the Buyer doesn’t have to leave the Platform at any time. The tc Pay Service guarantees the refund of the total paid amount in the case of the purchase/sale not to be completed successfully.

As said above, for Buyers, the tc Pay Service has a charge, called “tc Pay Guarantee”, of 5% on the total amount of the transaction in question (including handling and shipping costs), which will be paid to todocoleccion. The Buyer assumes the management cost of the tc Pay Service, called “tc Pay Guarantee”, at the moment of making the payment of the order through our payment gateway.

The Buyer, once received the shipment and verified that it conforms to what was purchased, will confirm that everything is correct, through the enabled option called “Confirm order as correct”. If the Buyer clicks on this option, the order is marked as “Correct order confirmed”, the amount of the order is available for the Seller in its 'Management tc Pay', for its withdrawal to its associated bank account.

If the Buyer requests help from todocoleccion, the order is marked as a Dispute, the payment is held in the payment gateway and marked as an open Dispute in the Seller's 'Management tc Pay', until todocoleccion resolves the incident.

For facilitating the transactions, the Service allows the Buyer, if wished, to store the data of his/her credit/debit card for future purchases. On “My todocoleccion” it is available the tool “My account / My cards” for the management of the memorized cards.


How and when is the Seller paid?

If the Buyer clicks on the option “Confirm order as correct”, the order is marked as “Correct order confirmed”, the amount of the order is available for the Seller in its 'Management tc Pay', for its withdrawal to its associated bank account. If the order has been shipped through Shipping Service tc, todocoleccion's logistics service, the system automatically updates the status of the order and once it is recorded as delivered, and after 48 hours from the date of delivery, the amount of the order is available for the Seller in its 'Management tc Pay', for its withdrawal to its associated bank account. If the shipment has been made by another logistics operator not integrated in todocoleccion, 10 days after the date of payment, the amount of the order is available for the Seller in its 'Management tc Pay', for its withdrawal to its associated bank account. The Buyer has 10 days from the date of payment to “Confirm order as correct” or request help from todocoleccion.

If the Buyer requests help from todocoleccion, the order is marked as a Dispute, the payment is held in the payment gateway and marked as an open Dispute in the Seller's 'Management tc Pay', until todocoleccion resolves the incident.


What is a Dispute?

A Dispute is a process opened by a Buyer or a Seller for the resolution of an incident and where todocoleccion will be present to mediate between them about an order paid through the tc Pay Service.

todocoleccion will try at any moment to solve the conflict in good faith and according to the provisions of these Conditions of the tc Pay Service. It is possible that, even with our support, the conflicts don’t reach a satisfying conclusion or that, in its case, the resolution extends over time. In this regard, todocoleccion will solve the Disputes within a 7-day term since all the information requested to the Buyer and the Seller is provided. In turn, Buyer and Seller will have a term of 7 days to provide todocolecion with the requested information. In case of, with the mediation of todocoleccion, not having reached a result satisfactory for both parties, todocoleccion reserves right to decide whether to reimburse the payment to the Buyer or the Seller according to the requirements of purchase/sale established in these Conditions of the tc Pay Service.

In its turn, todocoleccion will not be liable in any case for the damage or loss of value, whether directly or indirectly, that the products could suffer during the time that the resolution of the Dispute takes. It will not make either any payment as compensation for the Buyer or the Seller in the case that any of them does not agree with our decision nor will it be in charge of the recovery or shipping of the products that caused the Dispute.

Our resolution will be based on all the relevant available information and we will take into account any possible agreement between the Buyer and the Seller. Despite the decision we take, Buyer and Seller are free to claim their rights before the other party in the way they deem appropriate and in accordance with the legislation currently in force, in particular, in accordance with the provisions of the Royal Legislative Decree 1/2007, of 16 November, which approves the consolidated text of the General Law for the Defence of Consumers and Users and other complementary laws.

todocoleccion will NOT intermediate in the Disputes that may arise in any purchase/sale operation made outside the tc Pay Service. In the case that a Seller or Buyer starts a Dispute and todocoleccion verifies that it does not comply with the requirements established here, it will close automatically the Dispute, informing both parties of that fact.

Nonetheless, the Buyer will have the right to the total refund of the paid amount after the Dispute is open provided that one of requirements indicated below is fulfilled:

  • The received lot does not match the description of the original published advert.
  • The sent lot has arrived damaged.
  • The Buyer has not received the order after having been paid through the tc Pay Service.

What are the reasons and terms for starting a Dispute?

In case of incidents with an order paid through the tc Pay, the Buyer may open a Dispute about it to be revised and managed by todocoleccion to be solved appropriately.

The reasons to start a Dispute about an order:

  • Paid order, without proof of shipment, you have 10 days from the date of payment to open a Dispute, after this period you will not be able to open a Dispute.
  • Paid order, shipment delayed and sent by a logistics operator not integrated in todocoleccion, you have a period of 10 days from the date of payment to open a Dispute, after this period you will not be able to open a Dispute.
  • Paid order, received, does not correspond to what was purchased or has suffered damage, you have 48 hours from the date of delivery, for shipments of Shipping Service tc integrated in todocoleccion, as for shipments of other logistics operators not integrated in todocoleccion.


How a Dispute is managed?

In order to correctly manage a Dispute and have the option to get a refund of the amount paid through the tc Pay Service, it is necessary to provide the following information in the Dispute:

  • Number of tracking of the shipment/company.
  • In the case that the reason for a Dispute being started is that the sent order has arrived damaged, the Buyer will have to prove those damages with photographs and videos of both the packaging and the received lot, taken the day when the order is delivered.
  • Description of the incident in as much detail as possible, answering of the questions made by todocoleccion for the resolution of the Dispute. Indicating, among other aspects, how the received lot differs from the offered lot or detailing the damages suffered by it.

After having started the Dispute, the Buyer will have a maximum term of 7 days to provide all the information that it is requested. In its turn, todocoleccion may address the Seller to request any clarification or additional information. Once all the information requested from both parties is received, todocoleccion will have a 7-day term to analyze the documentation and solve the Dispute. todocoleccion will solve the Dispute by taking only into account the information supplied by the parties, thus, if they don’t detail properly the incident in the terms described here, todocoleccion could close it or solved it according to its best judgement.

In case the Dispute is solved in favor of the Buyer, we will proceed to the refund of the paid amount.


Guarantees of the tc Pay Service

todocoleccion guarantees the payment security, for both Buyer and Seller, as long as they comply with the provisions of these Conditions of the tc Pay Service. In the event that the Buyer or Seller do not comply with what these legal texts stipulate, todocoleccion will not be able to guarantee the security of the payment, delivery and/or return of the purchased lot.


Payment status

In the 'Management tc Pay' of the Seller, will appear the paid orders and the situations in which they are:

  1. Pending order: The Buyer has not yet confirmed the order as correct.
  2. Available order: The Seller can now withdraw the amount of this order.
  3. Processing withdrawal: The Seller has already requested the withdrawal of the money to his/her bank account. It will be effective within 3 to 7 working days.
  4. Transfer .... Withdrawal made: The Seller has withdrawn the available balance to its associated bank account and the transfer will reach the Seller within 3 to 7 working days.
  5. Open Dispute: The Buyer has an open Dispute related to this order. todocoleccion is assessing the documentation provided by both parties for its resolution in the terms stated by these Conditions of tc Pay Service.
  6. Finished Dispute: The Dispute has been resolved and closed.


Applicable law and jurisdiction

These Conditions of the tc Pay will be governed by and interpreted in accordance with the current Spanish law, regardless of any applicable laws of conflict. In the event that the user uses the tc Pay Service in his capacity as a professional, company or legal person, the parties expressly and irrevocably submit, for any issues or Disputes that may arise over the interpretation, compliance with and performance of this contract, to the exclusive jurisdiction of the courts of Malaga. In the event that the user is considered a consumer and, as a result, consumer law applies, any Dispute will be settled by the courts and tribunals of the consumer's domicile.

The fact that todocoleccion does not exercise or enforce any rights or provisions under these Conditions of tc Pay will not constitute and must not be understood as a waiver of those rights or provisions.

If a competent court determines that any provision of these Conditions of tc Pay is void, the parties agree that the court must seek to respect and give effect to the intention of the parties as reflected in the said provision, and that the other provisions will remain in full force and effect.

Users, in their capacity as consumers, may address todocoleccion through the European Online Dispute Resolution platform (ODR) in order to send their claim to a dispute resolution body, by using the following link:

https://ec.europa.eu/consumers/odr/main/index.cfm?event=main.home2.show&lng=ES


Version amended on 14/12/2023