How the money from what you sell reaches your bank account: when it is released, where it is in the meantime, how you withdraw it — and what can hold it up.
The money from your sales is in your own account with our payment provider — DUZO never has it. You withdraw it to your bank whenever you like, with the Withdraw money button.
The buyer pays at checkout once they have won an auction or bought outright. The payment is received by our payment provider and stays there — not with DUZO — until it is released. That is why no seller can be paid for something that was never sent, and why buyers are willing to bid on a seller they have never heard of.
Nobody needs to top anything up in advance: a purchase is paid for once it is won or bought.
The money is released when the buyer confirms the item arrived — not when you send it, and not the moment tracking says delivered.
If you booked the shipping through DUZO and the buyer neither confirms nor reports a problem, it is released automatically once 14 days have passed from the day the carrier registered the parcel as delivered, for purchases paid on or after 1 November 2026. If the fourteenth day is a Saturday, Sunday, Swedish public holiday, or Midsummer, Christmas or New Year's Eve, the next weekday is counted too. The buyer gets a reminder at least three days before.
For pickups, and for parcels whose shipping you did not book through DUZO — even if you entered the parcel number yourself — it is always the buyer's confirmation that counts. The same goes for purchases paid before 1 November 2026.
Once the payment is released, your amount is transferred to your own account with our payment provider — normally straight away, otherwise as soon as your payout account is ready — and shows in your balance under My money. If the purchase is only a few days old, it can take a few more days before the provider makes the money available to withdraw.
The amount is what the buyer paid for the item, less commission and any add-ons. If you booked and paid for the shipping with the carrier yourself, what the buyer paid for shipping is included too. So the fees come off the sale before the money reaches your balance — never off a withdrawal. What the commission is right now is on the Pricing & fees page.
When you want the money in your bank account, press Withdraw money under My money. You can withdraw once your available balance is at least 50 kr and your payout account is ready.
You can have one withdrawal on its way at a time. Once it has arrived — or if it did not go through — you can make the next one.
Money that has not been released yet, or that is held while a case about the purchase is open, is not part of the available balance and cannot be withdrawn until it is let go.
Nothing is sent to your bank until you ask for it. Still, do not leave the money too long: our payment provider lets it sit in the balance for at most 90 days, and anything left longer than that may be paid out to your bank account without you pressing the button.
A withdrawal is usually in your bank account within 1–4 banking days. Saturdays, Sundays and public holidays are not banking days, so a withdrawal you make on a Friday evening usually arrives early the following week. Exactly when the money shows also depends on your bank — some take a day or two longer.
Withdrawing costs nothing: a standard payout to your bank account is free. Commission and any add-ons come off the sale itself, before the money reaches your balance.
If your bank account is abroad, or in a currency other than Swedish kronor, your own bank may charge for receiving or converting the money. That is outside our control.
While something about the purchase is unresolved, the payment is not released, and if it already has been, the transfer to your balance can wait. The money stays with the payment provider in the meantime — it is not gone, it is waiting.
Usually the money shows in your balance as soon as the payment is released. Sometimes it takes longer:
Sometimes a payout to the bank does not go through — usually because the bank account is closed or the number is wrong. The money then comes back to your balance with the payment provider, and we send you a message.
Correct the bank details in your payout account, then press Withdraw money again.
If a sale is refunded to the buyer after the money reached your balance — for example after a case, a withdrawn purchase or a disputed card payment — the amount can be taken back from your balance. If you have already withdrawn the money, your balance can then go negative.
A negative balance is evened out against your next sales: the money from them goes first to cover what is missing. While the balance is negative, you cannot withdraw.
The money from what you sell lands in an account of your own with our payment provider: your payout account. You connect it once, when you start selling. It takes a few minutes, and without it the money from your sales cannot be paid out.
The form where you give your personal and bank details for payouts is the provider's, and what you enter there is kept by the provider. Identity and bank details are handled by the provider, as the law requires. So it may ask for personal details, details about your business, a bank account for payouts, an ID document or other verification, and your acceptance of the provider's terms. If the form cannot be shown on our site, you continue on the provider's own website and come back here when you are done.
Only approved sellers can connect a payout account. If you are waiting for money from an earlier sale without being an approved seller, contact us.
Under My money you can see which state your payout account is in:
The money is paid out to the bank account you gave in your payout account. Give an account in your own name — or in the company's name, if you sell as a business. If you change banks, update the bank details there before your next withdrawal.
Our payment provider only shows us the last four digits of the account you registered there. That is why we ask you to give the same account once more for tax reporting — see DAC7 below.
If you make 30 sales or more in a calendar year, or receive more than EUR 2 000 in total (roughly 22 000 kr), the law obliges us to report it to the Swedish Tax Agency (Skatteverket). The obligation comes from the EU's DAC7 directive, implemented in Swedish law by lagen (2022:1681) om plattformsoperatörers inhämtande av vissa uppgifter på skatteområdet. Below both thresholds you are not reported at all.
What is reported is who you are — among other things your name, address, personal identity number and date of birth, or for a business its name, address and organisation number — and what we ourselves know about your sales, quarter by quarter: what you were paid, how many sales that covered and the fees we deducted, along with the account your payouts went to and the name of its holder.
That is why we need your date of birth and the number of the account your payouts go to — if you sell as a business, only the account. You fill them in yourself under My account → My money, behind the link Tax details (DAC7), whenever you like; when you approach one of the thresholds, we ask you for them. As a private seller you give your personal identity number (or, if you live outside Sweden, your foreign TIN) in your application to sell or under Profile & settings. If you do not provide the details after the first request and two reminders, and at least 60 days have passed, the law obliges us either to close your account or to withhold your payouts until the details arrive.
Being reported does not mean you owe tax. Selling your own used belongings is normally tax-free — the report is an information return, not a tax decision.
All about DAC7 and the Tax Agency →This page explains; what applies is in the terms. Payment, release and payout are governed by section 6 of the terms, and cases and disputes about a sale by section 10 of the terms.
What a withdrawn purchase means is in section 12 of the terms.
Reporting to the Swedish Tax Agency is in section 13 of the terms.
