Does FunPay hold your money?

Yes, until you confirm. FunPay says the payment goes to a third-party payment operator and "will not be transferred to the Seller until the Buyer confirms receipt of the Goods". After you confirm, the deal is closed.

What are FunPay's fees?

FunPay does not publish a seller commission. Its User Agreement says fees are calculated by location, provider and payment operator, "typically" do not exceed 20% at each stage, are usually included in the listed price, and that withdrawals carry additional fees.

Funpay LTD, registered in the Seychelles under number 241718, according to its User Agreement. FunPay is not connected to PlayerSells, which is run by Duck Digital Ltd in England and Wales and publishes this page.

Is FunPay Legit? Payment Guarantee, Fees and the Best FunPay Alternatives

FunPay is a real, large peer-to-peer marketplace run by Funpay LTD, registered in the Seychelles, with a footer dated back to 2015. The buyer's payment goes to a payment operator and is not released to the seller until the buyer confirms receipt. What FunPay does not publish is a seller commission (its User Agreement says fees vary and "typically" stay under 20% at each stage) or a time limit for problems after the buyer confirms. The closest alternatives are G2G, Eldorado.gg and Z2U for games, and PlayerSells for social media accounts.

Last checked October 20, 2026Written by PlayerSells, which runs one of the marketplaces compared.Editorial policy

Is FunPay legit and safe to use?

FunPay's User Agreement is a public offer of Funpay LTD, registered in the Republic of Seychelles under number 241718, and its footer is dated 2015 to 2026. It calls its payment hold the Transaction Guarantee: the buyer's payment "will not be transferred to the Seller until the Buyer confirms receipt of the Goods". The agreement also says that neither FunPay, its service provider nor the payment operator "is a party to the Transaction between the Buyer and the Seller", and that goods are handed over directly between the two.

The important moment is the buyer's confirmation: after it, "the Transaction is closed and considered completed" and the seller can use the money. FunPay's rules still make the seller liable for a refund of up to 100% if the seller or original owner recovers the account, and up to 50% if the game bans it for being traded, but they publish no time limit and say each decision "may differ significantly". Fees are not one public number: they are calculated by location, provider and operator tariffs, and refunds are reduced by those fees.

How does FunPay compare with its alternatives?

The table puts FunPay next to the 4 marketplaces below on the four things that decide whether a purchase is protected. Every cell comes from the marketplace's own pages, read on October 20, 2026.

FunPay and its alternatives compared by money handling, fees, after-sale protection and operator, checked October 20, 2026
Marketplace	Who holds the money	Published fee	After the sale	Operator
FunPay	Who holds the money: The buyer's payment goes to a third-party payment operator and is not passed to the seller until the buyer confirms receipt; FunPay says it is not a party to the deal.	Published fee: No seller commission is published. The User Agreement says fees are set automatically by location, provider and payment operator, "typically" do not exceed 20% at each stage, and are usually included in the listed price; withdrawals carry extra fees.	After the sale: A deal closes when the buyer confirms receipt. FunPay's rules make the seller liable for a refund of up to 100% if the account is recovered and up to 50% if the game bans it for being traded, with no time limit published.	Operator: Funpay LTD, Mahe, Seychelles (registration number 241718)
G2G	Who holds the money: Holds the payment until the buyer confirms or 72 hours pass.	Published fee: Sellers 7.99% to 12.99% on accounts, by seller tier. Buyers pay an order handling fee not published as a number.	After the sale: 72-hour inspection, then a 14-day warranty on account purchases.	Operator: GAMER2GAMER GLOBAL Pte. Ltd., Singapore
Eldorado.gg	Who holds the money: Eldorado takes the payment as the seller's commercial agent and pays the seller only once the goods are delivered; its Terms do not call this escrow.	Published fee: Sellers 10% on accounts, items and boosting (15% on League of Legends and Roblox accounts, 20% on Call of Duty), 5% on currency. Buyers paying by card, Apple Pay or crypto pay 8% + $0.30.	After the sale: Free 5-day TradeShield on account orders (up to 14 days on some), covering a seller taking the account back; 3 or 6 months for an extra fee on select offers.	Operator: GWD Processing FZCO, Dubai, United Arab Emirates
Z2U	Who holds the money: Holds the payment until the buyer confirms receipt; orders auto-confirm after 7 days.	Published fee: Sellers 5% to 9% plus withdrawal fees; buyers pay a fee that varies by payment method.	After the sale: Claims within 72 hours of delivery; after that, recovery from the seller is best effort.	Operator: Macro Excellence Technology Limited, Hong Kong
PlayerSells	Who holds the money: PlayerSells holds the payment until the buyer confirms access, then the seller's share clears to their balance after a security hold of 1 to 21 days (15 business days after delivery on a seller's first 3 sales).	Published fee: 15% of the sale, minimum $2.50, capped at $750, paid from the seller's side. Buyers pay the listed price.	After the sale: 30 days after completion to report lost access; if the seller's payment for that order is still held, it can be used to refund the buyer.	Operator: Duck Digital Ltd, England and Wales

What are the best FunPay alternatives?

G2G. Holds the payment until the buyer confirms or 72 hours pass, then adds a published 14-day warranty on account purchases. Sellers pay 7.99% to 12.99% on accounts.
Eldorado.gg. Pays the seller only after delivery and includes a free 5-day TradeShield on account orders (up to 14 days on some). Sellers pay 10% on most accounts.
Z2U. Holds the payment until the buyer confirms receipt; sellers pay a published 5% to 9%, and claims must come within 72 hours of delivery.
PlayerSells. A published fee (15%, minimum $2.50, capped at $750, from the seller's side), every payment held until the buyer confirms access, ownership checked before listing, and 30 days after the sale to report lost access.

When is FunPay the better choice?

FunPay has a far larger catalog than PlayerSells: sections for 871 games and apps on the check date, with in-game currency, keys, top-ups, boosting and coaching that PlayerSells does not offer, and cheap accounts priced below PlayerSells' $2.50 minimum fee. It also takes Apple Pay, Google Pay, bank cards and several regional payment methods.

Questions people ask

Does FunPay hold your money?: Yes, until you confirm. FunPay says the payment goes to a third-party payment operator and "will not be transferred to the Seller until the Buyer confirms receipt of the Goods". After you confirm, the deal is closed.
What are FunPay's fees?: FunPay does not publish a seller commission. Its User Agreement says fees are calculated by location, provider and payment operator, "typically" do not exceed 20% at each stage, are usually included in the listed price, and that withdrawals carry additional fees.
What happens if a FunPay seller recovers the account?: FunPay's rules say the seller owes a refund of up to 100% of the order if the seller or original owner recovers the account, and up to 50% if the game bans it for being traded. No time limit is published, and FunPay says outcomes can differ case by case.
Who owns FunPay?: Funpay LTD, registered in the Seychelles under number 241718, according to its User Agreement. FunPay is not connected to PlayerSells, which is run by Duck Digital Ltd in England and Wales and publishes this page.

Sources

PlayerSells runs one of the marketplaces on this page, so read it with that in mind. Every statement about another marketplace comes from the page it was read on, listed here. Fees and terms change without notice and the marketplace's live page always governs. If something here is out of date, tell us from the contact page and we will correct it.