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Merchant Guide: How It Works

What is being a Merchant on P2P.me?​

As a merchant, you are a verified seller who helps people buy and sell cryptocurrencies using local money (PIX, bank transfer, etc).

You earn a commission on each transaction you complete.

What changed with Circles?​

Before, you registered directly with P2P.me. Now, you join a Circle — a group of merchants managed by an administrator.

Benefits for you:

  • Closer support from your admin
  • Community of merchants to share experiences
  • Possibility of receiving extra capital (delegated stake)
  • Clearer and more transparent rewards

How do I become a Merchant?​

Step 1: Choose a Circle​

  • Look for active Circles in your region/currency
  • Check the reputation and conditions of each one
  • Some Circles have Telegram/Discord communities

Step 2: Make your security deposit​

  • Deposit USDC as collateral (minimum varies by country, usually $250)
  • This amount stays locked while you're a merchant
  • Serves as protection for buyers

Step 3: Set up your payment methods​

  • Add your bank accounts, PIX, etc
  • The Circle Admin may need to approve (depends on the rules)
  • Done! You start receiving orders

How much do I earn?​

Commission per transaction​

You receive 2% of the volume of each completed transaction.

Example:

  • You complete a sale of $1,000
  • Your commission: $20

Bonus for delegated stake​

If your Circle Admin delegates extra capital to you, the commission on that extra volume is split:

Who receivesHow much
You (merchant)60%
Who delegated the capital20%
Circle protection fund10%
Circle Admin10%

My security deposit​

How much do I need to deposit?​

  • Minimum: $250 USDC (varies by country)
  • Maximum: $1,000 USDC (varies by country)
  • The more you deposit, the more orders you can receive

When can I withdraw?​

  • You can request to exit at any time
  • There's a waiting period of 30 days (cooling off)
  • This protects against pending issues

Can I lose my deposit?​

Yes, in serious cases:

  • If you abandon transactions without resolving
  • If you're found guilty in many disputes
  • If there's proven fraud

The good news: following the rules, your deposit is safe.

What can go wrong?​

Disputes with buyers​

  1. Buyer opens dispute saying they didn't receive
  2. Your Circle Admin reviews the evidence
  3. If you're right, nothing happens
  4. If you were wrong, you may lose part of your deposit

Tip: Always keep receipts of all transfers!

Bank account blocked​

  1. Notify your Circle Admin immediately
  2. Document everything (screenshots, protocols)
  3. The protection fund may cover losses in some cases

Many disputes against you​

  • If you lose 3 or more disputes, part of your deposit is held
  • It's a warning sign — review your processes

Tips for success​

✅ Respond quickly — buyers value speed

✅ Keep everything — screenshots, receipts, conversations

✅ Communicate — warn about delays before they become problems

✅ Know your admin — they're your first line of support

✅ Join the community — learn from other merchants

Summary​

ItemDetail
Minimum deposit$250 USDC
Commission2% per transaction
Time to withdraw30 days waiting
RiskPartial loss of deposit if you make serious mistakes
SupportYour Circle Admin

Next step: How to manage your transactions