This site promotes a new technology called No Credit Report Pay [NCR Pay]. This pay plan software calculates your number of payments and the amount of each payment thru the Direct Payment site. You are charged the first payment when you purchase the stuff and the remaining monthly payments are set up automatically. The seller is granting payments to potential buyers without using a credit report (check). The seller determines what NCR Fee amount to use. This fee can be considered the processing fee to the seller for granting the NCR Pay plan to the buyer. It's important for a buyer to enable their Profile page and fill out the easy NCR application for NCR Pay before making your first bid. Quick and easy application questions and no social security number is asked. When you are the winning bidder or just buy out the stuff, the first thing the seller should do is look at your Profile page. The seller determines whether to accept or decline your payment request. If the seller declines, the seller is required to refund your first monthly payment if one is made. A seller not refunding, please contact us at NCR contact page. A genuine profile will get you in most cases the NCR Pay plan. You can also go to your "About Me" page and tell a story about your situation. Remember, it's like trying to get approved for payments with the bank, only the bank could be your neighbor. The buyer always has the option to make a full payment and avoid paying the NCR fee to the seller.
Monthly Payments Accepted Banner - Displays number of payments and amount of each payment.
MoneyPak® and PayPal let you turn the cash* in your wallet into money in your account, which you can then instantly spend online.
- Pay with PayPal without using a bank account or credit card
- Your PayPal account will be updated instantly
- Shop anywhere PayPal is accepted, including No Credit Report
You can combine purchases, it's easy. Go to the members area > bidding > won stuff. After you have won a bid auction or just used the buyout option, your winning stuff will be in your won stuff. You can select any won stuff with the combine purchases option. A single invoice will be created and sent to the seller. You then just use the [pay direct method] and choose either to pay in full or make monthly payments. The software uses the won stuff you selected with the highest number of payments and uses that number when you pay.
The buyer is always encourage to ask the seller when the payments have been made on-time to give a 5 star rating using the Reputation link. This will show a good payment history.
This site is based on No Credit Report Pay [NCR Pay]. The seller can select the NCR Pay technology when listing stuff and receive this NCR Fee. The seller then would fill in the percentage amount the seller wants and the amount is calculated and added automatically to the selling price at the end of an auction. This fee could be considered a processing fee earned to the seller for granting the NCR Pay plan to the buyer. The NCR fee applies when the seller selects the NCR fee, Allow Monthly Payments and Number of Payments when listing stuff. The seller will be asked to fill in the Number of Payments to complete the process. The buyer is asked to enable their Profile and About Me pages and fill out the NCR application for payments. Quick and easy questions and no social security number is asked. The seller will use the buyer Profile and About Me pages and www.whitepages.com to get the information verified and needed to make your decision. The number of monthly payments and the amount of each payment is calculated and set up automatically thru the Direct Payment site with just a click from the buyer. The first monthly payment is sent to you when the buyer pays with Monthly Payments. The seller has the option to review the buyer Profile and About Me pages and decide to accept or decline the payments. If the seller declines the loan, the seller is required to refund the buyers first monthly payment when one is made. A seller not refunding the buyer is asked to contact us at NCR contact page. Leaving the payment alone and the next scheduled payment will take place automatically in 30 days. We encourage the seller to deliver the stuff to the buyer when the first monthly payment is posted. When dealing with offline monthly payments the seller will use the email Send NCR Details located at the Sold Stuff in the Members Area. The buyer can respond to that email with agreed arrangements. The Message Board and NCR Details is a quick and easy way to communicate and get more information. The seller can send the invoice to the buyer and then edit the invoice each time a payment is due. MoneyPak and PayPal make it easy for buyers to make purchases without a bank account.
NCR Technology consists the following:
1. NCR Application - The buyer profile
2. Personal Details & Buyer Verification - Verifies the Personal Details & Buyer Profile is true, accurate and genuine
3. Number of Payments - Edit and remove
4. NCR Fee Percentage - Edit and remove
5. Online monthly payments are calculated automatically
6. NCR Details - Automated e-mail notification that the seller posted "Terms & Conditions" and the buyer "Agreed"
7. Monthly Payments Accepted Banner - Displays number of payments and amount of each payment
8. NCR Fee - Seller receives
9. No Credit Report Invoices - Winning Bid, VL1 Fee, Postage, Insurance, Number of Payments, Comments - Edit or remove
Number of Payment, Amount of Payment, and Return Policy Template (Copy & Paste)
NCR Pay - _ Easy Payments of $_
Only $_ and Stuff Ships
MSRP - _USD
You Save - _USD (
Payment Policy - PayPal and MoneyPak you can reload a prepaid card, add money to a PayPal account without a bank account.
Shipping Policy -
Return Policy - Ensure that the stuff is in its original condition (including: packaging, manuals, warranties, accessories, security seals, etc., and shrink wrap where applicable). The supplier must receive your stuff back within 30 days of when it was originally shipped it to you. If applicable the buyer pays a restock fee and the return shipping costs.
We regret that we are unable to accept perishables, earrings, fragrance, skincare, cosmetic, opened CDs, DVDs, computer software and video games, memory foam pillows, mattresses and toppers.
The seller has the control of the amount of the loan. The seller has the control of the amount of payments. Look at the sample for Number of Monthly Payments. To help promote good buyers, after all the payments have been made on-time, the seller can finish the deal by using the Reputation link. The seller can accept the next winning bidder or re-list an auction if a suitable buyer isn't found.
Number of Monthly Payments Template (Copy & Paste) A Good rule is to make the payment affordable.
$10 - $24 - 0
$25 - $49 - 2
$50 - $74 - 3
$75 - $99 - 4
$100 - $124 - 5
$125 - $149 - 6
$150 - $174 - 7
$175 - $199 - 8
$200 - $224 - 9
$225 - $249 - 10
$250 - $299 - 11
$300 - $349 - 12
$350 - $399 - 13
Here is a sample of a Shipping & Payment Details Template that you can copy and paste and put into the "Prefilled Fields" link located in the Members Area.
The buyer has the option to use NCR Pay and make monthly payments. The winning bid or buy out price will be divided into _ MONTHLY PAYMENTS. The first payment is due at the end of the auction and the remaining payments will be due every 30 days. The NCR fee will be added to the winning bid or buy out price. The seller has determined the NCR fee percentage is _% of the total selling price, a one time charge and the buyer will pay this fee to the seller. WHEN THE FIRST PAYMENT IS MADE, THE STUFF SHIPS AND THE _ WILL BE DELIVERED. The online monthly payment plan is thru PayPal, the number and amount is automatically set up with just a click. MoneyPak is a safe and secure way to send money to where you need it. The MoneyPak works as a ‘cash top-up card’. Once you purchase it at a participating retailer with cash, you can use it to reload prepaid cards, add money to a PayPal account without using a bank account, or make same-day payments to major companies. The buyer also has the option to pay in full and avoid the NCR fee to the seller. The seller has the right to accept or decline the potential buyer for the NCR Pay plan. The buyer should have the "Profile" page enabled with the NCR application filled out. You must be at least 18 years of age to make monthly payments. Remember, use the Message Board, VL1 Details, Profile and About Me to communicate, it's quick and easy.
You need to do upfront research to give you an idea of what to expect the stuff will sell for. A suggestion, when selling used stuff, you can start the bidding no more than half (50%) of the expected sales price, because statistically this is how the highest selling prices are achieved.
To list your stuff simply click on the “Sell” link found on the header navigational bar. The listing process is split up into several main sections, notably:-
Shipping and Payment
The listing process is developed in such a way that you are guided through every step seamlessly.
The first part of the process is to choose the category you wish to list your stuff in, this can be revised at any time by using the “Previous Step” navigation button.
Step two enables you to enter your stuff title and description, a full wysiwyg editor is in place to enable you to use HTML descriptions.
If you have a voucher code to redeem this can be entered just below the description field.
Moving on to step three, this is the biggest stage of the listing process. On this step you can set the following:-
· Auction type:-
This is a single quantity auction
Dutch auction enables you to list a multiple quantity auction, for example if you have 100 pens to sell you can list all of these together in a single lot. Bidders will be able to select how many they wish to bid for.
You can select your preferred auction currency using the drop down menu available
This field is only active if listing a Dutch auction, please see above for an explanation of this listing type
· Auction Starts At:-
This requires you to enter the minimum bid you are willing to accept, you can also set a reserve price to ensure you do not sell the stuff for this amount. Please see below for more information on this.
· Reserve Price:-
Enabling a reserve price affectively means you will not sell the stuff for less than the amount set, for example you can set the start price at $5.00 but only accept winning bids over $50.00, should a bid be placed for $49.99 the stuff will close without a winner.
· Buy out (if available):-
Buy out allows you to set an amount you are willing to sell the stuff for – straight out. For example you can set the start price to 10.00 but offer interested parties the option to buy the stuff immediately for $100.00.
You can also list buy out only auctions, these auctions remove all bidding options meaning the listing can only be purchased for a set amount. To set a buy out only auction you need to set the buy out value to be exactly equal with the start bid.
· Offer-Range (if available):-
You can set a price bracket in which you are willing to listing to offer, for example if you set the price brackets from 15.00 to 100.00 interested parties will be able to offer you an amount within these brackets, you can opt whether to accept or decline these offers at any time via the members area.
· Bid increment:-
This option can be used to set your own custom bid increment if preferred.
· Stuff featuring (if available):-
The following options are available to you (fees may apply), these will highlight your stuff on site to ensure they reach more visitors:-
$ Home page featured
$ Category featured
$ Bold text
$ Highlighted background
· Set start/end time:-
You can either opt to list your stuff right away and set a defined number of days for it to be live for or you also have the option to define your own custom start/end time.
· Private Auction:-
Private auction will hide the bidders identity on the stuff details page
· Image upload:-
To accompany your stuff you can either upload images from your local computer or enter the URL of an image(s) hosted elsewhere
· Media upload:-
In addition to images you can also upload media files, please note only .avi/.mpeg/.mov are supported.
· Auto Re-List
For convenience you can opt to have your stuff automatically re-listed for you, options are available to allow you to select whether the stuff should be re-listed if sold and how many re-list attempts should be made.
On the next step you can set your shipping and payment preferences including your shipping rates and available methods of delivery.
Proceeding on, you can then review the listing and make changes if required, please note you can still edit your listing once live via the members area.
The final step provides you with listing confirmation.
This site uses a new technology called No Credit Report Pay [NCR Pay]. Simply put, strangers helping strangers with payments. NCR Pay plan has a fee, consider this fee a processing fee earned to the seller for granting the payments. To be a suitable seller, you need to be fair about the amount of fee. The seller can select the NCR fee and fill in the percentage amount and the fee is calcutated automatically. When the seller is listing stuff, you will be asked to put the percentage amount to be used. When the seller selects Allow Monthly Payments and Direct Payment Method, the number and amount of monthly payments is calculated automatically thru the Direct Payment site with just a click. Offline monthly payments the seller should add the winning bid or buy out price with the NCR fee percentage, then add any shipping costs and insurance. The seller will use the email "Send NCR Details" link to confirm details. The buyer will answer the email with an agreement.
The sample how to calculate is below. Remember, always double check your calculation.
Vintage Clock sold for $100.00. The seller wants 10% for the NCR fee, that amount is $10.00. The sub total balance due is $110.00. The shipping cost is $4.74 and no insurance. The total balance due is $114.74. The amount of payments is 6. The total payment amount is $19.12 each. $19.12 x 6 = $114.72
When our NCR fee, Number of Payments, Allow Monthly Payments and Direct Payment Method is selected the NCR software will automatically calculate the sample for you. The seller can set up the remaining 5 payments every 30 days, when our Direct Payment is selected the NCR software will automatically set this up for you. When you take credit cards, personal checks or money orders offline, you can edit the invoice and resend each time the payment is due.
Monthly Payments Accepted Banner - Displays number of payments and amount of each payment
The auction watch features notifies you of newly listed auctions which contain keywords you have chosen. For example if you are looking for a new Digital Camera you could enter in those keywords from within your members area area. Each time a new auction is listed containing those keywords you will be notified via email.
The stuff watch features lets you keep a close eye on any auction without having to place a bid on it. This feature means you can be kept up to date on how an auction is doing and prepares you to place a winning last minute bid. You can watch any auction by clicking on the “Watch this stuff” link on any auction page.
If the option is available you can use “Buy Out” to purchase the stuff immediately without having to place a bid. Some sellers offer such an option which can be used at any time until a bid has been placed over any applicable reserve price.
The “Buy Out” option will appear on the stuff details page, you will be asked to confirm your intention to buy out the stuff before the sale is concluded. Buy out’s cannot be retracted.
To create your account choose the “Register” link on the header navigational bar or use any of the links available on the home page.
When registering you will be asked to complete a short form which includes standard information such as your contact details, preferred login credentials etc.
Mandatory fields include:-
· Zip/Post Code
· Phone Number
· Username & Password
· E-Mail address
· Confirmation of terms an conditions acceptance
Once registered you will receive E-Mail confirmation.
Should you encounter any registration difficulties please contact us.
Placing a bid on stuff you are interested in couldn’t be easier, when viewing the stuff details page you will have two areas from where you can place your bid, one next to the stuff details and a second at the bottom of the page.
To place your bid simply enter the amount you wish to bid e.g. 50.00. Please note no currency symbols are required. The bid will be placed in the auction currency.
Once done you will be asked to review your bid and you will also be able to view vital stuff details such as the shipping conditions before confirming your bid. To submit your bid simply press the “Place Bid” button.
If your bid is high enough to take the lead in the auction a confirmation message will be displayed to you, however if your bid has not taken the lead be it due to a higher proxy bid or not meeting the reserve price you will be invited to make a further bid.
Should you decide to retract your bid this can be done via the “Current Bids” section of the member’s area.
You can also place a proxy bid, proxy bidding allows you to place your “High Bid”. At all times you will only pay the lowest required bid should you win the auction. For example, if the current bid on an auction is 500.00 you can place a proxy bid of 2,000. Should you remain the only bidder you will only pay 500.00. However should the stuff receive other bids the site will automatically re-bid for you (up to 2,000 in this scenario) to ensure you remain in the lead.