Shop Payment Accounts are only available to individuals who are eligible to be sellers on Etsy’s services and who have a valid credit or debit card on file with Etsy, unless they are exempt from this requirement. Sellers who have bank accounts established in Austria, Germany, and the Netherlands are not required to have a credit card on file with Etsy to have a Shop Payment Account.
B. Disputes. Sellers agree to resolve any disputes directly with a buyer or with the assistance of the dispute management and refund tools available on Etsy, and in accordance with our Seller Policy and Terms of Use. In the event that a dispute is escalated to Etsy’s Support Team, Etsy reserves the right to issue a refund to a buyer if a transaction is found to be in violation of Etsy’s Seller Policy and Terms of Use.