Cover you sell at your checkout. A dispute that never reaches your desk.
calmlyresolve.com is dispute cover you sell at your own checkout, on transactions worth £200 to £25,000. It gives your users the confidence to buy and sell things they otherwise would not.
You set the fee your user pays. We are paid per covered transaction. The rest is yours.
This transaction is covered, backed by calmlyresolve.com.
You sell the cover. The dispute leaves your site.
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You sell the cover at your checkout
One sentence above the pay button, backed by calmlyresolve.com. That is what gives your users the confidence to buy and sell things they otherwise would not.
You set the fee your user pays and you collect it. We are paid a fixed amount per covered transaction. The rest is yours. Cover attaches when the order is placed.
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When the seller says no, the dispute leaves your site
Your user raises the problem with the seller first, as they do today. The moment the seller refuses, the dispute comes to us. Your support desk does not decide it, and no one on your side is asked to rule on it.
We check the documents can settle the question, then value the claim on what the law entitles the claimant to: the Consumer Rights Act 2015, read with the contract terms. Both parties receive the same report at the same time.
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The method is published and the record is audited
The valuation method is published and versioned. Anyone can read the rules and check a valuation against them, so both sides can see how the number was reached. Read the method in full.
A defendant who disagrees is not arguing with our judgement on their case. They are arguing with a public rule — and if they are right, we fix it for everyone.
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We take the claim on and pay your user a fixed sum
The sum is stated before your user accepts, and it is paid whether or not we recover more later. No claim is ever presented to your site for payment, so a dispute never reaches your accounts.
Cover runs on transactions worth £200 to £25,000, for sites trading in England and Wales. Some disputes are routed to us but not taken on: a seller in insolvency, dissolution or strike-off, a claim below the minimum value, and a claim outside the three kinds this cover takes. Those receive a written notice under the published rules rather than an offer. The exclusions are stated at the point of purchase and set out in the written agreement.
Cover is conditional until the money behind it is committed. Today that money is our own vehicle, not an outside funder. We go live between early December 2026 and January 2027.
Does it fit your marketplace?
Email finrad@calmlyresolve.com with the name of your site and what your users buy and sell on it. We reply with whether the cover fits, and if it does, we offer a 25-minute call to work through your own dispute numbers. The first sites go live first.