Cover the disputes. Grow the transactions.
calmlyresolve.com helps marketplaces grow the number and value of their transactions. It covers disputes on transactions worth £200 to £25,000, with the cover embedded at checkout.
Calmly has been working on this since 2020.
This transaction is covered, backed by calmlyresolve.com. The site pays for it; you pay nothing.
You advertise the cover. We take the dispute.
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You advertise that transactions are covered
One sentence at checkout, backed by calmlyresolve.com. That is what gives your users the confidence to buy and sell things they otherwise would not. Your own dispute process stays your own.
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A dispute is valued on what the law says it is worth
When a dispute arises 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, and its calibration record is checked by an independent accountant — the published record, not each individual dispute. So both sides can see the process is even-handed. Read the method in full.
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We take the claim on and pay the buyer
Cash up front, a share of what we recover, or both, as they prefer. Nothing is charged to the buyer, and no claim is ever presented to your site for payment.
Cover runs on transactions worth £200 to £25,000, for sites trading in England and Wales. Some claims are valued but not taken on: a party in insolvency, dissolution or strike-off, a claim below the minimum value, and a claim outside the three kinds this cover takes. The exclusions are stated at the point of purchase and set out in the written agreement.
And what comes back.
Priced per transaction
A fee on each covered transaction, billed monthly on your own count. The rate is set on the risk profile of your user base and your average transaction size. Nothing per dispute, no capital, no exclusivity. Your rate and its arithmetic are in the written agreement.
About £2.50 back for every £1
That is the transactions you no longer lose, plus the dispute handling you stop paying for, set against what we charge. It holds between 2.4 and 2.6 times across site sizes, because both the value and the fee scale with your revenue per transaction. It falls to about 1.7 times at small sites, where our floor price applies whatever your revenue per transaction is.
The basis, because that figure is an estimate and not a measurement. The uplift is 2.9%, from the natural experiment on eBay’s buyer protection (Hui and Saeedi, 2016, Management Science), which found a 2.9% welfare gain. Displacement — the dispute handling you stop paying for — is assumed at 10 pence a transaction. Neither has been measured on any platform. A holdout at onboarding measures the first of them on your own numbers.
Get the benchmark
A one-page estimate of what the cover would cost and carry on your own numbers, from public data. Email tom@calmlyresolve.com with the subject “Benchmark”. Tell us the site and roughly what it earns on a typical transaction.