Seller Policy

1. Seller Eligibility

Sellers must create an account, provide accurate profile information, complete required KYC checks, and submit valid bank details before selling on XCrossDele.

2. Vendor Onboarding

Sellers are onboarded through account registration, email verification, KYC submission, bank account validation, and platform review. XCrossDele may approve, reject, restrict, or suspend seller access where necessary.

3. KYC Requirements

• Full name and contact information
• Email address and phone number
• Bank name, account number, bank code, and verified account name
• Identity or business verification documents where required
• Additional documents requested for enhanced due diligence

4. Enhanced Due Diligence

XCrossDele may conduct enhanced due diligence on sellers by validating bank account details, reviewing product categories, monitoring transaction behaviour, checking suspicious activity, and manually reviewing high-risk listings or sellers.

5. Product Listing Rules

Sellers must provide accurate product titles, descriptions, prices, categories, files, images, and delivery information. Listings must not mislead buyers or violate marketplace rules.

6. Prohibited Listings

• Illegal, fraudulent, stolen, counterfeit, or unauthorized products
• Pirated or copyrighted materials without permission
• Weapons, harmful chemicals, drugs, adult content, or regulated items
• Misleading academic materials or fake documents
• Any product that violates Paystack policies, Nigerian law, or XCrossDele’s Acceptable Use Policy

7. Payments and Settlement

Standard seller earnings are processed through Paystack split settlement to verified seller subaccounts where applicable. XCrossDele retains its platform commission from each transaction. Internal wallet balances are used only for manual credits, refunds, legacy balances, or fallback payout cases.

8. Seller Responsibilities

• Ensure all listings are lawful and accurate
• Deliver digital files or physical products as described
• Respond to buyer or platform requests promptly
• Maintain updated KYC and bank information
• Comply with refund, dispute, and acceptable use rules

9. Disputes and Refunds

Where a buyer raises a dispute, XCrossDele may review the order, product listing, seller response, delivery evidence, and payment records. Valid disputes may result in refund handling, product removal, seller warning, account restriction, or payout review.

10. Account Suspension

XCrossDele may suspend or terminate a seller account for fraud, repeated disputes, misleading listings, prohibited products, failed KYC, suspicious activity, or violation of marketplace policies.

11. Policy Updates

XCrossDele may update this Seller Policy from time to time. Continued use of seller tools after updates means the seller accepts the revised policy.

12. Contact

For seller policy questions, contact support@xcrossdele.com.