Is Mercari worth it for online resellers and casual sellers?
Listing on Mercari is free, and you pay a 10% selling fee when an item sells. Mercari has changed its prepaid label prices in Jul 2025, Jan 2026, May 2026 and again from Oct 19, 2026, so check the current label price for each item before you list.
Mercari makes sense if
You sell trading cards or paper collectibles
You want coverage if a parcel is lost or damaged
Choose another platform if
You want to ship with your own labels
You need shipping costs to stay steady
You ship items that may lack carrier scans
How much Mercari takes from your pay
Mercari's fee page says the selling fee applies to the item price plus any shipping the buyer pays, so shipping you pass on to the buyer is part of what gets charged. Buyers pay a separate Buyer Protection fee on top of the price, and you don't pay it. Listings created before Jan 6, 2025 follow older fee rules until they are updated, and Mercari's own fee wording conflicts on when that update happens.
Mercari fees
- Mercari keeps
For listings created or updated on or after Jan 6, 2025. Listing is free. Buyers pay a separate Buyer Protection fee.
Mercari's fee wording also says these update automatically, which conflicts.
Applies to new or updated listings; the selling fee still applies.
May be charged if you cancel often after a purchase starts.
- Customers pay on top
Buyers pay 3.6% Buyer Protection fee
Added on top for the buyer, on item price plus buyer-paid shipping.
Buyer processing fee on older listings, until they are updated.
- Instant payout fee
Up to $600 per month, once per day; needs ID check and debit card.
Usually done in minutes but can take up to 48 hours.
- Payout fee
Direct Deposit free; $2 if rejected
A $2 fee applies per rejected request; successful withdrawals cost nothing.
The earlier per-cash-out fee no longer applies.
How and when Mercari pays you
Money from a sale isn't available the day you ship. Mercari holds the funds until the buyer rates the order or the review window after delivery closes, so the sale date and the date you can cash out differ.
How Mercari pays
Service completed
- Payment holds
Funds stay held until delivery, then 3 days pass without a return request.
Funds may be held after suspension
Mercari may hold funds after suspension or termination to cover chargeback or refund risk.
- Tax forms
More than $20,000 and 200 transactions
Mercari gives this as its 1099-K reporting threshold for tax year 2025.
Mercari files 1099-K with state authorities, which may set different thresholds.
Applies to forms for sellers who meet the reporting threshold.
Mercari may ask for a W-9 before the threshold is reached.
Instant Pay needs an ID check, and Direct Deposit needs your checking account details.
Joining Mercari, step by step
Identity verification
Mercari may ask for identity details; failure can stop transactions or close the account.
Instant Pay ID check
Government ID and selfie, usually done in minutes but up to 48 hours.
Direct Deposit setup
Add checking account name, routing and account numbers to cash out.
Mercari requirements and how long approval takes
You must be 18 or the age of majority in your state. Teens ages 13 and up can sell only through an account owned by a parent or guardian, and under 13 isn't permitted. Mercari says federal law requires it to verify identity. If you don't supply requested details, it may stop processing your transactions or close the account. Mercari doesn't publish an approval wait for new accounts. Account holders must reside in the U.S. Mercari's Terms of Service list a new version effective Nov 5, 2026.
Mercari requirements
- Age
Mercari sets 18 years, or your state's age of majority, as the minimum.
Ages 13 and up need a parent's account; under 13 isn't permitted.
Payout, bank, ID and tax information must belong to the parent or guardian.
- Where you can work
Mercari is licensed to offer its services in the U.S.; no state exclusions listed.
- ID and documents
Identity details may be required
Name, date of birth, address and SSN, or a driver's license or other documents.
Also needs a Visa or Mastercard debit card; review can take up to 48 hours.
- Also required
Savings accounts are not supported; you need name, routing and account numbers.
A bank account or payment card can be registered on only one Mercari account.
Items you don't hold are prohibited
Dropshipping is banned, which matters if you list items before buying them.
How much you can make on Mercari
Mercari doesn't publish average seller earnings or typical days to sell. The only figure it publishes is a user count.
Figures Mercari publishes
Per month
U.S. monthly users, buyers and sellers
That count combines buyers and sellers, and Mercari doesn't say how it defines a monthly user, so it can't be turned into income per seller.
Can Mercari deactivate your account?
Mercari's help pages say accounts can be limited or closed for prohibited items, prohibited conduct or multiple violations.
Its Prohibited Items page (last updated 2021) says listing a banned item is a violation whether or not it was intentional. Mercari may remove the listing, cancel related transactions and go as far as suspension or termination. The banned list includes counterfeits, gift cards, recalled products and items not in your possession, including dropshipping. Its Prohibited Conduct page (last updated Jan 2023) lists off-platform payments, multiple accounts, creating a new account after a ban, invalid tracking, selling to yourself and false W-9 information. Mercari may suspend users pending verification and may hold funds after a suspension or termination to cover chargeback or refund risk.
Account issues such as ID verification, prohibited items or tax forms can be handled by web form or by mail to a Palo Alto PO box. Mercari doesn't publish a formal appeal process. Sellers who cancel often after a purchase may be charged a cancelation fee of 5% of the item price, up to $25.
Buyer Protection matters once you ship. Buyers have 72 hours after delivery to report an item that is damaged, wrong or significantly not as described. Approved claims get a free return label, and the return must ship within 3 days of approval to qualify for a refund. Shipping Protection requires a Mercari prepaid label. Only Mercari may file a carrier claim, and sellers who file one lose coverage. Claims can take up to 2 weeks, and Mercari may deny excessive claims at its sole discretion.
Is Mercari legit?
Mercari's Terms of Service (Platform) list Mercari, Inc. as the U.S. contracting entity, and its corporate site lists Mercari (US) as a group company of the Tokyo-based Mercari, Inc. In 2018, Vermont's financial regulator issued a consent order that Mercari settled without admitting anything.
Mercari company record
Scams that use Mercari's name
Mercari's scam guidance says what it will and won't do, which helps you spot impersonators:
For general warning signs, see how to spot side-hustle scams.
Taxes on Mercari income
Mercari says it issues Form 1099-K only to sellers who meet the IRS reporting threshold. Its 1099-K FAQ (dated Aug 2025) gives the tax year 2025 figure as more than $20,000 and more than 200 transactions, with forms due by January 31. The IRS lists the same threshold for online marketplaces and says platforms may send a form below it. Mercari says it may request a W-9 before you reach the threshold and files 1099-K with the IRS and state taxing authorities. Its policy page says states may have different thresholds.
Mercari vs other resale marketplaces
Mercari takes a flat 10% selling fee; eBay charges 13.6% plus $0.40 per order in most categories. For where resale stock comes from, see retail arbitrage and thrift store flipping.
| Platform | What it keeps from you | When you get paid | Approval time |
|---|---|---|---|
| Mercari | 10% of item plus shipping | About 5 business days | Not published |
| eBay | 13.6% of sale up to $7,500 | Available for payout: 1-2 days | Microdeposits: up to 4 business days |
| Depop | No selling fee, U.S. sellers† | Not published | Not published |
| Poshmark | 20% on sales of $15+ | Direct deposit: 2-3 business days | Verification edits: 24 hours |
Mercari questions
No. Mercari's help page says payout options are Direct Deposit and Instant Pay only. Direct Deposit goes to a checking account, and savings accounts aren't supported.
Mercari requires account holders to be 18 or the age of majority in their state. Teens ages 13 and up may use only an account owned by a parent or guardian, and under 13 isn't permitted.
Sources
Government
- In Re: Mercari, Inc (Docket No. 17-031-B), Stipulation and Consent Order
Vermont Department of Financial Regulation · Accessed
- Understanding your Form 1099-K
IRS · Accessed
Official platform and company pages
- Fees on Mercari
Mercari · Accessed
- Getting paid: Direct Deposit, Instant Pay, and payout issues
Mercari · Accessed
- Minors
Mercari · Accessed
- Why was my account limited or closed?
Mercari · Accessed
- Buyer Protection
Mercari · Accessed
- Getting Paid
Mercari · Accessed
- Cancelations on Mercari
Mercari · Accessed
- 1099-K related FAQs
Mercari · Accessed
- My buyer rated me before they received the item
Mercari · Accessed
- 1099-K Reporting Policy and Disclosure Information
Mercari · Accessed
- Can I get paid with PayPal or a check?
Mercari · Accessed
- How to use the Tax Center
Mercari · Accessed
- Terms of Service (page shows a version effective Nov 5, 2026 and the current version effective Feb 24, 2025)
Mercari · Accessed
- What information is used to verify my identity?
Mercari · Accessed
- Mercari corporate site (Other Initiatives: identity verification)
Mercari, Inc. · Accessed
- Prohibited Items
Mercari · Accessed
- Prohibited Conduct
Mercari · Accessed
- Shipping Protection
Mercari · Accessed
- Contact Us
Mercari · Accessed
- Terms of Service (Platform)
Mercari · Accessed
- W-9 Requirements for Sellers
Mercari · Accessed
- Mercari shipping change announcements
Mercari · Accessed
- Changes to our fee structure
Mercari · Accessed
- Tips to Help You Identify and Avoid Common Scam Tactics
Mercari · Accessed