WePayGuardWhat's covered
Protection against non-delivery. Nothing more than that.
This is the most important page on the site. Version 1 of Protected Payment answers one question — did the package arrive? — and we would rather you know that now than during a dispute.
- The package never arrives
- The seller misses the fulfillment deadline and does not deliver
- The seller provides no carrier, tracking or delivery confirmation
- An in-person handoff is never completed
- Items that arrive wrong, damaged, incomplete or not as described
- Returns and return-confirmation deadlines
- Appeals and legal-review workflows
- Routine human review of disputes
- Digital delivery and custom delivery methods
- New issue reports on Direct Payment transactions
If the package arrives and the item is wrong
The protected payment has done its job, and the automatic rules will release the money to the seller. What the app offers instead is a voluntary resolution request: you pick a category, acknowledge that the problem is outside protection, and both sides can negotiate a split. The seller is free to decline. If they do not respond, or no settlement is accepted, the outcome defaults to a full release to the seller.
This path is available only on transactions created under the policy version that includes it, and it is disabled by default in this release.
Why the scope is this narrow
Judging whether an item matches its description requires human review, returns handling and an appeals process. Building those badly is worse than not offering them, so version 1 ships the one guarantee that can be decided from evidence — delivery — and defers the rest.
WePayGuard is in private beta on Android.