Trust & Safety

Charlie doesn't
mess around.

Every marketplace has villains. At What's In? we've got Charlie — with a bat, a badge, and zero patience for dodgy behaviour.

✓ Stripe-secured checkout — card details never touch our servers

✓ Sellers verified via Stripe Connect before any payout

✓ Three-strike ban system — account suspended on third strike

How we protect you

Three layers of protection.
Zero tolerance for fraud.

Stripe-secured payments

Every payment is processed by Stripe — the same platform trusted by Amazon and Apple. Your card details never touch our servers. Sellers only receive payouts once verified through Stripe's identity and banking checks.

Identity verified

Sellers complete Stripe Connect KYC before receiving any payout. Buyers who raise a dispute complete Stripe Identity verification — deterring fraudulent non-receipt claims before they start.

Tracked & traced

Tracked shipping is strongly encouraged on every sale. If a parcel goes missing and the seller used untracked shipping, that risk falls on the seller — never you. Sellers who go untracked, do so at their own peril.

The full story

The Protection Strip

How Charlie keeps your money safe from click to delivery.

#1SAFE!

STEP 1 — YOU PAY

Stripe handles it. No funny business.

Your payment is processed directly by Stripe — the same infrastructure trusted by Amazon and Apple. Your card details never touch our servers.

#2ZOOM!

STEP 2 — SELLER SHIPS

Tracked post. Smart move.

Tracked shipping is strongly encouraged on every sale. If a parcel goes missing and the seller chose untracked, that risk falls on the seller — never you.

#3BUSTED!

THE GHOST BUYER PROBLEM

Raising a dispute? ID first. Then we review.

Buyers who raise a non-receipt dispute complete Stripe Identity verification before the claim is processed. This deters ghost buyers before they cost anyone money.

#4VERIFIED! ✓

IDENTITY VERIFIED

Stripe Identity. Clean in minutes.

Sellers verify via Stripe Connect before any payout. Buyers complete Stripe Identity when raising disputes. Legitimate users sail through in minutes. Scammers don't get past the desk.

#5GONE!

THREE STRIKES. YOU'RE OUT.

Strike three. You're done here.

First dispute: noted. Second: restrictions may apply. Third: permanently banned. Verified fraud cases may be referred to NZ Police at our discretion.

#6BEAUTY! ✓

AND THAT'S HOW IT'S DONE.

Buy and sell with confidence. I've got you.

★ Stripe-secured payments · Sellers verified via Connect · Buyers ID-checked on disputes · Tracked shipping encouraged · Scammers banned. Honest people thriving. — Charlie

#1SAFE!

STEP 1 — YOU PAY

Stripe handles it. No funny business.

Your payment is processed directly by Stripe — the same infrastructure trusted by Amazon and Apple. Your card details never touch our servers.

THE Charlie Finds GAZETTE · BY THE NUMBERS · LIVE FIGURES

Users Verified

identity confirmed

Disputes Resolved

by our team

Total Sales Value

transacted safely

Active Listings