Users are eligible for payouts if they:

• Are at least 13 years old (with parental consent if under 18);
• Have accepted a valid buyback or buying program offer;
• Have shipped cards in compliance with our Shipping Policy;
• Have passed verification by a network partner (Buyback Program) or CardsIQ intake (Buying Program).

• In-Network Cards (Buyback Program): Cards physically held by an approved CardsIQ break partner at the time of offer acceptance. Verification is completed through partner systems for instant processing.
• Out-of-Network Cards (Buying Program): Cards shipped independently by users using CardsIQ-generated shipping labels. These cards go through CardsIQ’s internal intake and verification team prior to payout.

CardsIQ supports the following payout channels:

• ACH/Bank Transfer: Available to U.S. bank accounts only.
• PayPal: Email-linked PayPal transfers.
• Stripe: Direct payouts to connected Stripe accounts.

Accurate and complete payout details are required during onboarding. Failure to provide valid information may delay your payout.

• In-Network Cards (Buyback Program): Payouts are initiated the same day following partner confirmation.
• Out-of-Network Cards (Buying Program): Payouts are processed within 1–2 business days of internal verification and intake completion.
• Transfer times may vary depending on the selected payment provider.

• Offers are valid for a limited time as indicated at the time of acceptance.
• Once an offer is accepted and the cards are shipped, the transaction becomes final.

If cards are not shipped within 3 business days of accepting an offer, CardsIQ reserves the right to cancel or re-evaluate the offer.

CardsIQ reserves the right to adjust or deny payouts under the following circumstances:

• Received cards differ from the accepted offer (e.g., incorrect grade, wrong card);
• Cards are counterfeit, tampered with, or fail authentication;
• Cards arrive damaged due to improper packaging.

If a payout is adjusted, a revised offer will be sent for your review. If rejected, the cards will be returned at no cost to you.