Knowledge centre

Browse or search the marketplace, then place a bid on an auction, buy a fixed-price item, or make an offer. When you win or buy, you pay through the payment service (Stripe) within the time limit shown in your order.

For eligible sales your payment is held in escrow and released to the seller only after your protection/withdrawal period — or earlier if you confirm receipt. Smaller deals may be settled offline directly with the seller, without escrow or platform protection.

If the seller is a trader (business) and you are a consumer, you have a 14-day right of withdrawal on distance purchases — including online auctions. Between private individuals there is no statutory right of withdrawal. Exercise it via the withdrawal function in your order; see Terms §4–5.

The seller's status — trader or private individual — is shown before you buy. It determines which consumer rights (such as the right of withdrawal) apply to your purchase.

The seller marks the item as shipped and may add a carrier and tracking number, which then appears as a tracking link in your order.

Open a dispute from your order. The payment is frozen until the matter is resolved.

Create an account and complete onboarding — choose your country and whether you sell as a trader or a private individual — then set up payouts and create your first listing.

If you sell in a commercial or professional capacity you are a trader (näringsidkare); otherwise you are a private individual. A trader's buyers receive statutory consumer rights (e.g. the right of withdrawal). Declare your status accurately — it is shown to buyers.

Funds are held in escrow and paid out after the buyer's protection/withdrawal window has passed — or earlier if the buyer confirms receipt. Offline deals are paid directly.

Yes — forgeries, reference material and repaired or manipulated items may be sold, but only if this is clearly stated in both the title and the description. Offering such material as genuine, or hiding that an item is repaired, is prohibited (see Terms §3).

The seller is responsible for shipping and packaging after a sale. Mark the item as shipped and, ideally, add a carrier and tracking number so the buyer can follow it.

For small sales — below a per-tier cap (roughly €25–35) — you can let the buyer pay you directly if you enable it. There is then no escrow and no platform buyer protection.

Only when the number means something. Once you have concluded enough orders over the past year, and more than a small share of them did not complete — cancelled by agreement, or refunded because nothing was dispatched — that rate is shown on your public profile. Below either line nothing is shown: one cancellation out of two orders says nothing about a seller and would be unfair to publish. The reason given is not taken into account, because it is self-reported. You can always see your own rate and how far you are from the line, and it does not affect where your listings appear. The exact thresholds are in Terms §5.

Philmarket takes no fee on a sale — neither fixed nor variable — and there are no listing fees. What is deducted on a sale is the payment service’s (Stripe) own fee: you bear it, and it is taken from your own connected account. These fees differ from one payment method to another and are set out in Stripe’s price list.

Prices are shown VAT-inclusive. The calculator notes how VAT is treated.

Escrow means your payment is held by the payment service (Stripe) rather than paid to the seller immediately — protecting both sides until the deal is complete.

For purchases from a trader the money is held through the buyer's withdrawal period, which runs from when the buyer receives the item — so how long it is held depends on delivery, not on a fixed number of days from payment. For purchases between private individuals that use escrow it is held for a fixed buyer-protection window from payment, and the buyer can release it earlier by confirming receipt. The exact periods, and the outer limit that applies whatever the reason, are in Terms §8.

For purchases from a trader, use the two-step withdrawal function in your order. Within the withdrawal window the refund is settled directly from the amount held in escrow.

Offline payments have no escrow and no platform buyer protection. If the seller is a trader, your statutory consumer rights (including the right of withdrawal) still apply — settled directly with the seller.

An optional Claude Vision tool that gives an advisory condition indication from your images. It is a quick aid — never a guarantee, an expert opinion, or a certificate.

You buy grading credits and each AI grading uses credits from your balance.

No. By purchasing credits you consent to immediate delivery of a digital service and acknowledge that the right of withdrawal is thereby lost.

From up to four of your photos it assesses six visible condition dimensions: overall grade (MNH_VF … POOR), centering, perforation, gum, cancellation, and any defects (thins, tears, creases, stains…), plus a confidence score. It is honest about limits — gum, for example, is the weakest signal from a photo — and it never judges authenticity or value.

The seller is. The AI tool produces an assessment from the photographs; the seller may correct the measurements, and then chooses whether to publish the assessment. What you see on a listing is the seller’s own statement about the item, on the same footing as the rest of their description — Philmarket does not warrant it and does not approve it before it appears. The tool assesses what is visible in a photograph. It never judges authenticity or value.

Yes, and it happens after publication rather than before. When a seller corrects a centering measurement we check it automatically against the photograph; if the check cannot confirm it, a person looks at the correction — but it stays visible meanwhile. If we do remove one, we tell the seller which ground we relied on and the specific circumstances, and the listing then shows no measurement at all rather than falling back to the tool’s original reading. The seller restores it by publishing a new correction.

DAC7 is an EU tax-transparency rule (Directive (EU) 2021/514; in Finland, Act 1267/2022). As the platform operator, Philmarket must report certain sellers to the tax authorities each year. It affects you only once you cross the reporting threshold.

You are an excluded (non-reported) seller as long as you stay under both limits in a calendar year: fewer than 30 sales and €2,000 or less in total proceeds. Cross either one and you become reportable for that year.

Your identity and tax details (name, address, tax identification number, and VAT/business numbers where applicable), plus your gross proceeds per quarter, the number of sales, and any fees withheld. Philmarket reports to the Finnish Tax Administration (Verohallinto), which shares the data with the tax authority of your country of residence. See the Privacy Policy.

Your identity and tax details are collected by our payment provider (Stripe) during onboarding and KYC; Philmarket compiles the transaction totals. Offline-only starter accounts are deliberately capped below the threshold, so they are never reportable.

Some selling activity requires identity/KYC verification, carried out by Stripe. We store only the verification status and time — see the Privacy Policy.

If we restrict or suspend an account, we send a reasoned statement — the applicable ground and the specific circumstances — by email, and you may request a review. This follows the P2B Regulation (see Terms §6).

Open a dispute from the relevant order — it's usually the fastest way to resolve a problem, and it's free of charge. The payment is frozen until the matter is resolved. This does not affect your statutory rights — including your right to contact your bank, a competent dispute resolution body, or a court.

See the Privacy Policy. You can export or delete your data at any time from your account settings.

As a private individual you have a 14-day right of withdrawal on a paid tier subscription (and add-ons such as the storefront). Withdraw within 14 days of subscribing and you pay only for the days used — the rest is refunded pro-rata (Art. 14(3)) and the subscription ends immediately. Do it from Billing. Businesses (traders) do not have this consumer right, and creating an account is free with nothing to withdraw.

After a trade completes, both sides can leave feedback. As the buyer, you rate the seller on five dimensions — accuracy, image quality, shipping speed, packaging and communication — each 1–5. If you buy several items from the same seller in one combined order, one collective rating is applied to every item, though you can adjust an individual item if it stood out. As the seller, you confirm the trade and can leave an optional thumbs up/down plus a comment — see the next question for why sellers don't rate buyers on a star scale.

This is deliberate. A two-way star-rating system is the single biggest source of retaliation — a seller unhappy with a fair but low rating gives the buyer a bad rating right back, and buyers start softening honest feedback to protect their own record. So seller feedback on buyers is intentionally simple: a trade confirmation with an optional thumbs up/down, never a star scale. That keeps the seller-rating you see as a buyer honest and hard to game, while sellers still get a clean trade record instead of a popularity contest.

It goes through a private "report a buyer" channel instead of a public review — for real issues like non-payment or abusive conduct. Reports are handled manually by us and never turn into a public rating, so your account isn't affected by a seller's frustration over an otherwise fair review.

Reviews are double-blind: yours stays hidden until the other side also submits theirs, or 14 days pass — whichever comes first. Both are then revealed at the same time. This stops either side from reading the other's review first and adjusting theirs in response.

60 days from when the trade completed and funds were released to the seller. You can only review a trade once it has reached that point.