Payments

Overview

Tradepost uses Coinflow for payment processing to provide instant payouts and a seamless financial experience. Coinflow enables instant bank payouts, debit card disbursements, real-time payment rails, and modern payment methods like Apple Pay and push-to-card, ensuring sellers receive funds immediately while buyers enjoy frictionless payment experiences.

Learn more about Coinflow →

Partner Onboarding

To set up payment processing for your TPX integration:

1. Access your partner dashboard on the Tradepost site
2. Navigate to Payment Methods
3. Complete the payment setup process

Payment Rails & Strategies

Every buyer account is configured with a payment strategy that controls when charges are triggered. The strategy also determines which payment rails are available for conditional bids.

Payment Strategies

Strategy	When You Are Charged
ON_ACCEPTANCE	Immediately when a seller accepts an offer in-app
IN_TRANSIT	When the first package in a shipment is scanned in
ON_CONFIRMATION	When you manually confirm the transfer has completed

Allowed Rails Per Strategy

Rail	ON_ACCEPTANCE	IN_TRANSIT	ON_CONFIRMATION
CARD	✅	✅	✅
ACH	✅	✅	❌
WIRE	❌	❌	✅
TRADEPOST_BALANCE	✅	✅	✅
CRYPTO	❌	❌	✅

WIRE requires approval

Even on ON_CONFIRMATION, WIRE must be explicitly enabled for your account by Tradepost. Contact your account manager if you need wire access.

Token vs Wallet Rails

Rail	Requires saved payment token?
CARD	✅ — must provide a payment_token_id (card token)
ACH	✅ — must provide a payment_token_id (bank account token)
WIRE	✅ — must provide a payment_token_id (bank account token)
TRADEPOST_BALANCE	❌ — draws from your account wallet
CRYPTO	❌ — draws from your account wallet

Payment Process

Payment processing is designed to protect both partners and sellers:

1. Add Payment Methods - Save your credit/debit cards to your Tradepost account
2. Win Auction - Your bid wins the auction
3. Seller Accepts & Transfers - Seller accepts offer and transfers items to Tradepost
4. Payment Triggered - Your card is charged when Tradepost confirms transfer receipt
5. Seller Gets Paid - Seller receives payout within 3 days after event

When Payment Occurs

Critical Timing: Partners are charged when the TRANSFER_CONFIRMATION_RECEIVED webhook is sent, NOT when the bid wins.

Payment Flow:

1. Partner wins auction → No charge yet → Receive AUCTION_RESULT webhook
2. Seller accepts offer → No charge yet → Receive INSTANT_CASH_OFFER_STATUS_CHANGE webhook with fulfillment_info (order ID, transfer ID, deadline)
3. Seller transfers items to Tradepost → No charge yet
4. Transfer confirmed (automatically by Tradepost or via processPartnerTransfer) → Partner is charged → Receive TRANSFER_CONFIRMATION_RECEIVED webhook
5. Payment processed successfully → Receive PAYMENT_CHARGED webhook with transaction details
6. Payment settles and seller receives payout → Receive PAYMENT_SETTLED webhook with final fee breakdown

Why This Timing?

• Partners only pay after receiving the items
• Protects partners from seller non-delivery
• Ensures items are secured before payment
• Sellers get paid within 3 days after event

All tokenization, session management, and payment processing happens behind the scenes through our Coinflow integration.

Payment Webhooks

PAYMENT_CHARGED

Sent when your payment is successfully charged to your card. Contains:

• transaction_id: Payment processor transaction ID for reconciliation
• payment_method_last4: Last 4 digits of card charged
• winning_bid_amount_cents: Your winning bid amount
• platform_fees_cents: TPX platform fees
• total_amount_cents: Bid amount + platform fees (processing fees not yet included)

Note: This webhook does not include payment processor fees. See PAYMENT_SETTLED below for the final total.

See Webhook Messages for complete details.

PAYMENT_SETTLED

Sent when payment settles and funds are transferred to the seller. This is the authoritative source for final fee breakdown. Contains:

• winning_bid_amount_cents: Your winning bid amount
• platform_fees_cents: TPX platform fees (typically 5% of bid)
• processing_fee_cents: Payment processor fees (typically ~4.2% of total)
• total_amount_cents: Final total charged = bid + platform fees + processing fees

Use this webhook for accurate accounting - it contains the complete fee breakdown matching your credit card statement.

See Webhook Messages for complete details.

PAYMENT_FAILED

Sent when payment processing fails. Contains:

• failure_reason: Human-readable explanation
• failure_code: Machine-readable error code (e.g., card_declined, insufficient_funds)
• retry_allowed: Whether Tradepost will automatically retry

Action Required: If retry_allowed is true, ensure your payment method is valid and has sufficient funds. If false, contact support@tradepost.co immediately to avoid account suspension.

See Webhook Messages for complete details.

Payment Failures

Tradepost has monitoring in place to detect payment failures. Please maintain an appropriate balance and monitor your card for declines. There will be penalties in the future but not currently.

Dispute Handling

Coming soon - chargeback and dispute resolution process.

Future Enhancements

Upcoming features will include:

• Multiple card checkout options (asset-type routing, round-robin distribution, spending limits per card)

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