BuyAccount

14-Day Buyer Protection

Buying a gaming account online is risky — sellers can disappear, accounts can get recovered, listings can lie. We built BuyAccount specifically to remove those risks. Every purchase is escrow-backed and covered by a 14-day refund guarantee. Here is exactly what we cover, the claims timeline, and what we ask from you in return.

What's Covered

🛡

Seller Recovery Attempts

Seller logs in and steals the account back. Full refund + permanent seller ban.

❌

Listing Mismatch

Missing skins, wrong rank, different level, no email access. Full refund within 24 hours of dispute.

🔌

Failed Delivery

Credentials never arrived or don't work. Full refund + we hunt down the seller.

⚠️

Fraudulent Account

Account is stolen, banned at purchase, or doesn't exist. Full refund.

💵

Payment Fraud

Unauthorized purchase on your card? Card-network chargeback protection applies on top of ours.

👀

Listing Misrepresentation

Seller claimed "Diamond" but rank reset to Iron after purchase? Mismatch, refund.

What's NOT Covered

Riot-initiated bans where the buyer's behavior caused it (cheating, scripting, toxic chat after purchase). The seller delivered a valid account; your post-purchase conduct caused the ban.
Disputes after the 14-day window. We need fresh evidence (login timestamps, recovery emails) to investigate. After 14 days the trail is cold.
Failing to change credentials after delivery. If you keep the seller's password for 30 days and they recover the account, that's on you — instructions say "change immediately."
Buyer's remorse ("I don't like the account anymore"). We're not Amazon — gaming accounts can't be re-sold the same day.
Region-locked accounts bought knowingly outside the buyer's region. Region is shown on every listing.

How to File a Dispute

Go to My Orders and click "Open Dispute" on the affected order.
Pick the issue category (recovery, mismatch, delivery, fraud).
Upload evidence: screenshots, email forwards from Riot, account-state photos. The more evidence, the faster the resolution.
Submit. The dispute team responds within 24 hours on business days.
If we side with you, refund hits your original payment method within 3-5 business days (card), 24 hours (crypto), or 1-2 business days (PayPal).

The Dispute Timeline

Hour 0

You open dispute on /my-orders. Auto-acknowledgment within 2 minutes. Order frozen — seller can't withdraw escrow funds.

Hour 0-2

Triage team reviews. If it's an obvious case (recovery + email screenshot), refund processed immediately.

Hour 2-24

Complex cases: seller contacted, both sides submit evidence, our investigators compare original listing to current account state.

Hour 24-72

Decision rendered. If buyer wins: refund initiated. If seller wins: detailed explanation sent to buyer with appeal option.

Day 3-7

Refund clears: card 3-5 business days, PayPal 24-48 hours, crypto within 4 hours of decision.

Why We Can Afford To Refund

Most marketplaces avoid hard refund guarantees because their fraud rate is too high to absorb. Ours is below 0.3%. That number isn't an accident — it's the result of:

5-step manual seller verification before any seller can list. We block 67% of applicants on first review.
Random listing audits — we spot-check 8% of listings monthly with rank-API verification.
Seller stake — every seller has a deposit at risk. One confirmed recovery = lifetime ban + deposit forfeit.
Buyer education — we send a credential-change checklist immediately after purchase. Buyers who follow it have 0.04% incident rate.

Your Responsibilities (Help Us Help You)

Change the password and email within 1 hour. This is the single biggest factor reducing recovery risk.
Enable 2FA on the new email immediately.
Don't share credentials — not with friends, not with "boost services," not on Discord.
Keep your purchase email — it's evidence if a dispute is needed.
If something seems off, file a dispute immediately — don't wait 13 days and then complain.

For Sellers Reading This

The buyer protection program is funded by an 8% final-value fee on each sale, not by you absorbing every dispute. If you operate honestly — accurate listings, prompt delivery, no recovery attempts — disputes will be 1 in 200 sales, and we side with you in roughly 60% of those. Bad actors get filtered fast, leaving an honest seller pool that doesn't pay for everyone else's fraud.

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