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Financial

Payments & Protection

How buyer protection, accepted methods and payout timing work.

1. Available methods

We accept instant transfer, credit card, crypto and M9 balance. Each method has its own settlement time and fees — check at checkout.

  • Instant transfer: instant, zero fee — the go-to for most orders.
  • Credit card: bank-level chargeback protection, 3.5% fee.
  • Crypto: best for high-value, no caps. Network fee applies.

Pro tip

For orders above R$2,000, credit card is safer thanks to chargeback rights.

2. Buyer protection

Payment is held in a secure account until you confirm receipt. If anything goes wrong, the amount is refunded automatically.

  • Segregated account — neither M9 nor the seller touches it while pending.
  • Auto-released 24h after the buyer confirms.
  • On dispute, funds stay held until mediation's final decision.

Pro tip

Even M9 support can't release held funds manually without an open dispute.

3. Withdrawals and timing

Request payouts from your wallet anytime. Instant transfer lands in under 30 minutes, bank transfers within 1 business day. Zero fees above R$50.

  • Instant transfer: under 30 minutes, zero fee above R$50.
  • Bank transfer: 1 business day, flat R$3 fee.
  • Crypto: depends on the network used; variable network fee.

Pro tip

Set instant transfer as your default payout method for near-instant withdrawals.

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