Payment methods & your card on file
Both buyers and sellers keep a card on file on the Marketplace — a saved payment method, held securely with our payment processor Stripe. Buyers need one to check out; sellers need one to list. Saving a card does not charge it — it just stores the card so a purchase or listing can go through when you’re ready.
Why both buyers and sellers need a card
- Buyers — so you can buy now or complete an accepted offer without re-entering card details every time.
- Sellers — a card on file is required to list; it keeps sellers accountable and backs the platform’s buyer protection.
Adding or updating a card
- Go to Account → Billing and choose Add a card.
- Enter your card in Stripe’s secure form (it’s hosted and encrypted by Stripe — the details go straight to them).
- Your card is saved; you can set a default, add more, or Remove one at any time.
Saving a card uses a Stripe SetupIntent — it authorizes the card for future use without charging it.
How charges appear
When you actually buy something, the charge shows on your statement from QuoteHive/Stripe for the item price plus your provincial sales tax. Every purchase produces a receipt and appears in your billing ledger. Adding or removing a card never moves money.
Security — we never see your card number
QuoteHive never sees or stores your full card number, CVC, or PAN — that lives only with Stripe, which is PCI-DSS certified. We keep just the safe display fields Stripe returns: the card’s brand (e.g. Visa) and last four digits, plus its expiry, so you can tell your cards apart. Removing a card detaches it from Stripe and drops those details from your account.