The rules of the CardCycle marketplace

CardCycle is a peer-to-peer marketplace for digital gift cards. Individual sellers list cards they own at prices they choose, and buyers purchase those cards at a discount. CardCycle never buys gift cards for its own inventory and does not act as a reseller — we provide the listing, payment processing, secure code delivery, dispute support and payouts that make the trade safe.

We do not have agreements with the retailers whose cards are listed. Cards are offered by the individual sellers who own them. Retailer names and logos belong to their owners and do not imply endorsement.

Sellers must apply and be approved before listing. We review identity and payout information for completeness and risk signals, and we may suspend or decline listings that show fraud indicators.

• Only list cards you legally own, with the full stated balance available.
• Once listed, a card's inventory is locked so it cannot be sold twice.
• When a card sells, the 7% seller fee is deducted and the rest is paid to your connected bank account or debit card.
• Selling a code you no longer have, or the same code elsewhere while listed, is grounds for removal and clawback of the payout.

Buyers pay the listed price plus the 7% buyer fee, shown in full at checkout. After payment is confirmed, the gift card code is delivered electronically to your account and receipt page. CardCycle does not ship physical cards.

Buyer accounts require a verified email, and higher-value purchases may require additional identity steps.

Full refund guarantee: if a card you buy is invalid, already used, or the balance is lower than described, we refund the full purchase amount including the buyer fee — or replace the code at no charge, your choice.

To open a dispute:

1. Email support@cardcycle.org or use the contact form within 30 days of delivery, with your order or receipt ID.
2. Our support team reviews the order, delivery logs and the card's balance history.
3. Confirmed invalid or misdescribed cards are refunded in full to the original payment method. The seller's payout is reversed, so honest sellers are never punished for a buyer's change of heart — and bad codes never get paid out.

Because codes are delivered digitally and revealed to you, purchases are otherwise final once the code has been viewed and the balance confirmed as described.

CardCycle's own support team handles all customer service, refunds and disputes — buyers and sellers never have to chase each other.

• The money on a card you buy here does not expire. Where a retailer prints a date on the plastic or the code, the underlying balance still lasts at least five years from the day it was loaded, consistent with 12 CFR 1005.20.
• We never charge dormancy, inactivity or service fees — on cards or on your account.
• We only accept cards from retailers that are open for business and whose balances we can confirm, so you are not handed a dead card.
• If a code stops working and the balance is still there, contact us and we will replace it or refund you at no charge.

We do not allow resale of:

• Cards from businesses in bankruptcy, liquidation or with known redemption problems.
• Cards already restricted or prohibited by the issuer's own terms.
• Cards obtained through fraud, theft or promotional abuse.
• Non-transferable, reloadable-only or single-use promotional codes that cannot legally be resold.

Every listing passes automated and manual checks for balance validity, duplicate codes and unusual activity. Sellers are vetted before listing, inventory is locked at sale so a code can only be delivered once, and checkout is idempotent so a retried payment never charges twice. We monitor transactions for fraud, money laundering and sanctions risk and report where required by law.

Keep your account credentials private. We may suspend or close accounts that break these terms, with remaining legitimate balances paid out or refunded. You may close your account at any time by contacting support.

CardCycle's liability is limited to the amounts you paid us for the transaction at issue. We are not responsible for a retailer's own terms, closures or refusal to honor a card beyond our refund guarantee above. We may update these terms with notice by email or on this page; terms in effect at the time of a purchase continue to govern it.