Estate planning as a Swappa account holder

Swappa is a person-to-person marketplace for buying and selling gently used technology — phones, tablets, laptops, watches, cameras, gaming gear, and other electronics. Unlike a marketplace that holds a seller balance, Swappa is a facilitator: under its Terms of Use, marketplace payments are made directly by the buyer to the seller, and Swappa is not a party to the transaction beyond collecting its sale fee. Sellers are paid through their own PayPal account (or Stripe). The estate-relevant assets are the Swappa account (which cannot be transferred under the Terms) and the proceeds of any sales, which land in the seller's connected PayPal or Stripe account rather than in a balance held by Swappa.

After a Swappa account holder dies, Swappa, LLC may transfer account to a designated recipient, but this is handled case by case. The outcome depends on the documentation provided and is entirely at Swappa, LLC's discretion.

What happens at death

Swappa does not publish a deceased-user or estate-succession process, and its Terms of Use state that a user "may not transfer or sell your Swappa account and User ID to any other party," with no death or estate clause. The account itself is therefore handled case-by-case: the estate would contact Swappa support to report the death and ask about closing or handling the account. The money side is different from a marketplace that holds a balance. Swappa's Terms provide that "Marketplace payments are to be made directly by the Buyer to the Seller" and that Swappa "is otherwise is not a party to such transactions" beyond collecting its sale fee, so Swappa does not hold a seller balance. Sale proceeds are paid into the seller's own PayPal account (or Stripe), which means the actual funds are recovered through that PayPal or Stripe account as part of the estate, not from Swappa. Any temporary hold on funds is a PayPal hold controlled by PayPal, not by Swappa.