For business sellers

This page is a general guide, not legal advice. You are responsible for your business complying with the law. Where needed, check current requirements with the Finnish Competition and Consumer Authority (kkv.fi), the Consumer Advisory Service (kuluttajaneuvonta.fi) and the Finnish Tax Administration (vero.fi).

Who is a business seller?

A business seller is a trader who sells items professionally or in connection with their business. It can be a registered company or a sole trader. A private person may also be regarded as a trader if they sell regularly, extensively and with the aim of making a profit, even if the activity has not been registered. The line is drawn on the overall picture: the regularity, volume and purpose of sales are decisive.

Sales between private persons (C2C) are not consumer sales and the Consumer Protection Act does not apply (for example, there is no right of withdrawal). An item sold by a trader to a consumer (B2C) is a consumer sale.

If you are a business seller, mark your account as a business account and fill in your business details.

Step 1: 1Trader information (DSA, traceability)

Under the Digital Services Act, a marketplace must collect and verify certain information about traders before they can offer products (trader traceability). We ask business sellers for the following:

• name, address, phone number and email address;
• a copy of an identity document or other electronic identification of the person representing the business;
• the business's trade register or equivalent registration number, such as the Finnish business ID (Y-tunnus), and the VAT number if one is used;
• payment account details, if needed under the law;
• a self-certification in which you commit to offering only products that comply with EU law.

We make our best efforts to assess whether the information is reliable and complete. If the information is inaccurate or incomplete, we will ask you to correct it. If you do not, we may suspend your account until the matter is put right.

Information shown to buyers. In the listing or the seller's profile we show at least your name, address, email address, phone number, trade register number and the fact that you sell as a trader, as well as that you have committed to the self-certification. Keep the information up to date.

Tax information. As a platform, we may be required to report information about sellers to the Finnish Tax Administration as the law provides (automatic exchange of tax information of digital platforms, DAC7). We describe this in the privacy policy.

Step 2: 2Consumer Protection Act duties in distance selling

When you sell to a consumer online, the Consumer Protection Act's provisions on distance selling apply.

Information to give before the sale

Before the consumer commits to the sale, they must be given clearly and comprehensibly at least:

• the main characteristics of the item: card name, set, language, condition, any grading and cert number, quantity;
• the total price including taxes (the price stated to a consumer must include value added tax) and shipping and other additional costs. If the costs cannot be calculated in advance, you must state that they may arise;
• the seller's details: name, address, phone number and email;
• payment methods, delivery methods and delivery time;
• information on the right of withdrawal, the conditions and time limit for exercising it, and the withdrawal form (see below);
• who pays the cost of returning the item, with an estimate;
• liability for defects and any guarantee, and the complaint procedure;
• out-of-court dispute resolution: if you have committed to or are obliged to use a consumer dispute resolution body (for example the Consumer Disputes Board), tell the buyer and give the body's contact details.

In the listing and in communications you can give this information in the listing description, in terms of sale or via a separate link. Keep it visible and up to date at all times.

Confirmation of the sale

Confirm the sale to the buyer on a durable medium (for example by email) within a reasonable time, and at the same time give the information above if you have not already provided it.

The buyer's commitment

It must be made clear to the buyer that a bid or purchase carries an obligation to pay. KorttiMarket's bid and purchase buttons are labelled accordingly.

Step 3: 3The 14-day right of withdrawal

In distance selling a consumer has the right to withdraw from the sale within 14 days without giving a reason.

• The period starts when the consumer (or a third party nominated by them) takes possession of the item. If delivered in several lots, it starts when the last lot arrives.
• Withdrawal can be made by any unambiguous statement (for example by email) or by using the withdrawal form.
• Return. The consumer must return the item no later than 14 days after the withdrawal. They bear the cost of returning the item if you informed them of this before the sale. If you did not, the costs are yours.
• Refund. You must refund all payments (including standard delivery costs) no later than 14 days after the withdrawal notice. You may withhold the refund until you have received the item back or the consumer has shown that they have sent it.
• Diminished value. The consumer may have to compensate for the item's loss of value if they have handled the item more than necessary to establish its nature, characteristics and functioning.
• If you do not inform about the right of withdrawal, the withdrawal period is extended by up to 12 months.

Auctions and the right of withdrawal

The right of withdrawal also applies to KorttiMarket auctions where the seller is a trader and the buyer a consumer. The exception to the right of withdrawal applies only to public auctions in which the consumer can take part in person, and an online auction is not such an auction.

Exceptions

The law provides limited exceptions to the right of withdrawal, for example custom-made items and certain perishable goods. If you assess that an exception applies to your product, check with the authorities before relying on it. Exceptions are interpreted narrowly. For sealed collectibles (booster packs, booster boxes), the right of withdrawal generally remains.

Model withdrawal form

To: [seller's name, address, email]

I hereby give notice that I withdraw from my contract for the purchase of the following item: [item / listing ID].

Ordered / received on: [date]

Consumer's name and address: [name, address]

Date: [date]

(Signature only if this form is notified on paper.)

Give the buyer this template or offer an electronic withdrawal form.

Step 4: 4Liability for defects

An item sold to a consumer must match what was promised. If the item is defective, the consumer has the right to demand repair, a replacement, a price reduction or cancellation of the sale under the Consumer Protection Act. The consumer must complain within a reasonable time of noticing the defect (a complaint within two months is always in time). A seller's liability cannot be limited to the consumer's detriment. As a seller of used cards too, you are responsible for the description being correct.

Step 5: 5VAT, receipts and invoices

• Prices to consumers are stated including value added tax.
• Give the buyer a receipt or invoice if they ask for one, and meet your accounting and tax obligations.
• Invoice from a VAT-registered seller: if you are VAT-registered, the invoice must contain the details required by law, such as the amount of VAT and your VAT number.
• Used goods and collectibles: under certain conditions you can use the margin scheme. In that case VAT must not be shown separately on the invoice. Check the conditions with the Tax Administration.
• Cross-border sales in the EU: when selling to a consumer in another EU country, different VAT rules (the OSS scheme) may apply. Find out before you sell abroad.

If you are unsure about your taxation, contact the Tax Administration or your accountant.

Step 6: 6Other obligations

• Keep product listings truthful and follow the rules on prohibited items: Prohibited items.
• Deliver the item within the stated time. If no delivery time has been agreed, no later than 30 days after the sale (consumer sales).
• Reply to the consumer within a reasonable time.
• Transport risk: in a consumer sale, the seller is responsible for the item until it has been delivered to the buyer.
• State that you sell as a trader. Do not present yourself as a private person.
• Marketing: do not use misleading claims (for example fabricated discount percentages).
• Product safety and labelling: if your product falls under EU product safety or labelling legislation, comply with it and provide the necessary information.

If a customer is dissatisfied

Handle complaints and withdrawals quickly and politely. If the matter cannot be settled, the consumer can take it to the Consumer Disputes Board (kuluttajariita.fi). The European Commission's Online Dispute Resolution (ODR) platform was discontinued on 20 July 2025, so you no longer need to link to it.

Questions?

Contact us: [email protected]. Also read the Terms of Service, How selling works and Fees. Start selling: Sell.