Buyer protection

Buying something on
Facebook Marketplace?

Don’t send your money and just hope.

You don’t know the person you’re buying from. They don’t know you either. Deposit Guardian helps protect your payment until you’ve received what you agreed to buy.

$ Protect your transaction for just $5*.

Payment Protected

The buyer has committed the funds.
You can proceed with confidence.

Transaction Summary
Amount$2,000.00
ItemMakita Tools
ReferenceDG-7845-21
StatusFunds Secured
View Transaction

How Deposit Guardian Works

$

1. Secure Payment

Buyer locks the payment with us for just $5.

🤝

2. You Deliver

Seller provides the item or service.

3. Buyer Checks

Buyer inspects and confirms everything is as agreed.

4. Release Payment

We release the payment to the seller.

What can you buy & sell with Deposit Guardian?

Vehicles

Cars, motorbikes, boats, caravans and more.

Equipment & Machinery

From tools and trailers to excavators and more.

Everyday Items

Furniture, electronics, phones, collectables and more.

Services & Milestones

Tradies, projects and milestone-based payments.

High value transactions
deserve better protection.

Protect it for just $5*.Get Started
It only takes a minute.
About Deposit Guardian

We started Deposit Guardian because sending money to a stranger shouldn't have to be a leap of faith.

We had seen people we knew lose their hard-earned money online — in completely different ways and on completely different sites.

“How can people just take someone else’s money and either not deliver, or deliver something completely different from what was promised?”

A $300 box trailer deposit. A friend found a trailer on a popular marketplace. The seller said other people were interested and asked for a deposit to hold it until the following week. He sent $300. When he called to arrange collection, the phone number was inactive. The seller was gone.

A Christmas gift that never arrived. Our son ordered a large stuffed toy from an overseas marketplace. He was told there was a backlog and that it would ship in six weeks. Seven weeks later, the company had disappeared after taking orders for months.

Glasses that were nothing like the advertisement. I bought expensive glasses advertised as cutting-edge AI translation and multi-focus glasses. What arrived was a pair of cheap plastic glasses that looked like something you could buy for $19 at a garage sale. A promised refund or store credit never arrived.

An $800 electric bike — and an empty box. Another friend ordered an electric bike overseas and watched the tracking for weeks. On delivery day, a small empty cardboard box arrived.

Those experiences led to a simple question: how can this be stopped, or at least how can people better protect their hard-earned money?

This is how Deposit Guardian was born. We are using modern technology to build a simpler transaction process designed to help protect buyers while also being fair to honest sellers and legitimate businesses.

Why Deposit Guardian?

Don't wait until you've lost the money.

A lot of people assume that paying through PayPal automatically means their purchase is protected. It doesn't. PayPal Buyer Protection only applies to eligible transactions and has important exclusions and conditions.

What many buyers assume

“I paid with PayPal, so I'm covered.”

Not every purchase is eligible for PayPal Buyer Protection.
  • PayPal's Australian Buyer Protection excludes categories including vehicles, motorcycles, recreational vehicles, aircraft and boats.
  • Industrial machinery used in manufacturing is also excluded.
  • Certain in-person/collection transactions are excluded from Item Not Received protection.
  • Eligibility also depends on meeting PayPal's requirements and following its dispute process and time limits.

Source: PayPal Australia Buyer Protection terms. This is a summary, not legal advice.

The Deposit Guardian approach

Protect the transaction before release.

Secure payment → deliver → check → release
  • The Buyer secures the payment as part of the transaction process.
  • The Seller receives confirmation before delivering.
  • The Buyer checks that the item or service is as agreed before payment is released.
  • Buyer and Seller can communicate through Deposit Guardian Messenger, keeping the conversation connected to the transaction record.
  • If something goes wrong, there is a defined dispute-resolution process.
Simple protection for $5

Why risk hundreds or thousands of dollars to save $5?

Whether you're buying a $300 item or a $30,000 vehicle, the potential loss can be far greater than the cost of protecting the transaction. Deposit Guardian keeps the price simple: $5 flat fee.

PROTECT YOUR TRANSACTION
$5
Flat fee
Get Started
Important: Deposit Guardian does not claim that every transaction can be protected or that a loss can never occur. The applicable transaction terms determine what happens in a particular transaction.

See PayPal Australia's current Buyer Protection terms →
SCAM GUARDIAN

Someone is asking you for money?

Stop before you send it. Scam Guardian uses AI to assess the payment request, the story behind it and available recipient information, then explains the warning signs in plain English.

!
HIGH-RISK PAYMENT

Unexpected contact + urgency + unusual payment request + international destination.

Recommendation: STOP. DO NOT SEND THE MONEY YET.
THE PROBLEM IS HUGE

Scammers don't just steal money. They steer people toward payments that are hard to recover.

$4+ billionIn 2025, people reported more than $4 billion in losses to scams where they paid by bank transfer or cryptocurrency, according to the U.S. Federal Trade Commission.
Payment method mattersThe FTC warns that scammers often insist on payment methods that make it difficult to get the money back — including bank transfers, wire transfers, cryptocurrency, payment apps and gift cards.
Gift cards are NOT paymentsThe FTC says no real business or government agency will tell you to buy a gift card to pay them. If someone asks for the card number or PIN, STOP.
Source: U.S. Federal Trade Commission, 2026 consumer guidance. Read the FTC guidance → Gift-card scam guidance →

Tell us what happened

Describe the call, text, email or message. You can also provide the amount, recipient, destination and payment method.

  • Who contacted you?
  • What are they asking you to do?
  • Where is the money going?
  • Why are they asking for it?

AI checks the warning signs

Scam Guardian can assess multiple signals together — not just the country the money is going to.

  • Unexpected contact or impersonation
  • Urgency, fear or pressure
  • Gift cards, crypto or unusual payment methods
  • Recipient and destination details
  • Whether the payment makes sense for the stated reason

Verify before you pay

If someone claims to represent Microsoft, your bank, a government department or another organisation, Scam Guardian can direct you to independently sourced official contact information.

Never use contact details supplied by the person asking you for money.

🛡️

Is this really Deposit Guardian?

Scammers can impersonate trusted businesses too. As Deposit Guardian becomes more trusted, we want to make it harder for anyone to use our name against you.

🛡️ VERIFIED DEPOSIT GUARDIANYour safest place to check a message or payment request is inside your authenticated Deposit Guardian account.

Important financial instructions should appear in your account and be connected to your transaction. An email or text can tell you that you have a new message — but don't rely on a message alone to decide where your money should go.

Deposit Guardian will NEVER ask you to:
  • Move your money to a “safe account”
  • Buy gift cards
  • Send cryptocurrency to protect your funds
  • Give us your password or one-time security code
  • Install remote-access software
  • Send money to a different bank account because of a supposed “security problem”

If someone contacts you claiming to be Deposit Guardian and asks you to do any of these things, stop. Open Deposit Guardian directly using your normal login and contact us through your account.

EXAMPLE

“Your bank account has been compromised. Move your money to this ‘safe’ account before we lose it.”

Scam Guardian could flag this as high risk because of the unexpected contact, fear and urgency, the instruction to move money to a different account, and the request to act before you can independently verify the caller.

🔴 HIGH RISKDo not send the money until independently verified.
KNOW THE WARNING SIGNS

Scams are changing all the time. The stories are different. The tricks are often the same.

Here are some of the situations Scam Guardian is designed to help people recognise before they send money.

Bank impersonation“Your account has been compromised. Move your money to this safe account.”
Tech support“Your computer has a virus. Give us remote access and pay us to fix it.”
Family emergency“It's me. I'm in trouble and need money right now. Please don't tell anyone.”
Government or tax impersonation“You owe money. Pay immediately or you will be arrested, fined or disconnected.”
Romance scam“I love you, but I need money for an emergency, travel, medical costs or another crisis.”
Investment scam“I can show you how to make guaranteed or huge returns. Send money to get started.”
Fake invoice or business payment“Our bank details have changed. Please send the payment to this new account.”
Prize or lottery scam“You've won! Pay a fee, tax or processing charge before you can receive your prize.”
Marketplace purchase scam“Send a deposit now or someone else will buy it.”
Gift-card scam“Buy these gift cards and send me the numbers to make the payment.”
Overpayment scam“I'll pay you extra. Refund the difference using a different payment method.”
Job or task scam“Pay a fee or deposit first and we'll give you the job or release your earnings.”

Before you send money, check it.

Whether you're buying something, paying a deposit, receiving a phone call or being told to move your savings to a “safe” account — stop and check first.

Check a payment →
DEPOSIT GUARDIAN SAFEPAY · COMING SOON

A safer way to pay online.

We are developing Deposit Guardian SafePay — a transaction-specific virtual payment card designed to give customers another layer of control when paying online or dealing with someone they don't know.

Transaction-specificDesigned around the purchase you're making.
Amount controlledSet a defined payment amount where supported.
Merchant controlsPotential restrictions to help keep payment on purpose.
Single-use potentialDesigned for one-time purchases where supported.

SafePay is currently in development. Final availability, card features, countries and currencies will depend on our regulated card-issuing partner and applicable requirements.

DEPOSIT GUARDIAN
SAFEPAY
TRANSACTION SPECIFICCOMING SOON

Protect the payment, not just the password.

SafePay is being developed as part of the Deposit Guardian ecosystem, alongside Scam Guardian and our transaction-protection service.

The card shown is a concept for the Deposit Guardian product experience, not an issued card.

Need help?

Our support team can help with questions about transactions, accounts and suspicious activity.

Email: support@depositguardian.com

Privacy: privacy@depositguardian.com

Support: 0421 992 122

Contact Support

For Sellers

Don't deliver on a screenshot.

Wait for Deposit Guardian confirmation that the buyer has secured the payment. Then deliver the item or service with greater confidence.

Keep transaction conversations inside Deposit Guardian Messenger so the communication remains connected to the transaction.

Seller information ↑

Want to know more?

Most people just want the simple answer. We've kept the detailed information here for anyone who wants to understand how Deposit Guardian works.

How does a protected transaction work?
Buyer and Seller agree on the transaction. The Buyer secures the payment through Deposit Guardian. The Seller receives confirmation that the payment has been secured. The Seller then delivers the item or service. The Buyer checks it against what was agreed. If everything is satisfactory, the payment is released to the Seller.
What happens if the buyer isn't happy?
The Buyer can use the transaction process to reject the item where the transaction terms allow for rejection or return, and can raise a dispute if the parties cannot agree. The exact rights and procedures are governed by the applicable Deposit Guardian terms.
What happens if the seller doesn't deliver?
The Buyer can raise the issue through the transaction. Deposit Guardian can then administer the transaction according to the applicable transaction terms and dispute process.
Why does Deposit Guardian protect sellers too?
Honest sellers need confidence too. A seller should not be expected to hand over an item simply because a buyer says they have paid. Deposit Guardian gives the seller confirmation that the buyer has secured the payment before delivery.
What is Deposit Guardian Messenger?
Each transaction can include a direct conversation between the Buyer and Seller. Messages remain connected to the transaction record, creating a clear history of the communication about that transaction. This reduces reliance on separate emails or text messages and helps keep important discussions together.
How do cancellations, refunds and disputes work?
Deposit Guardian has a defined dispute resolution process. Where a dispute is triggered, the Buyer and Seller first have a 14-calendar-day negotiation period. If no resolution is reached, a further 14-calendar-day arbitration commencement period applies, subject to the applicable terms.
What happens during the 14-day negotiation period?
The Buyer and Seller negotiate directly through Deposit Guardian Messenger. Reminder notifications are sent at 10, 7, 3 and 2 days remaining. If they reach an agreement, the agreed resolution can be recorded against the transaction.
What happens if negotiation fails?
The matter moves into the 14-calendar-day Arbitration Commencement Period. The Buyer and Seller must select and begin the arbitration process with an approved third-party arbitrator in accordance with the applicable terms.
Which arbitration providers are recognised?
Deposit Guardian recognises the American Arbitration Association (AAA), net-ARB.com and JAMS Arbitration. A different arbitration service requires written agreement from the relevant parties and Deposit Guardian, where required by the applicable terms.
Who pays arbitration costs?
Because Deposit Guardian is not a party to the underlying Buyer/Seller dispute, the Buyer and Seller are responsible for applicable arbitration costs, as set out in the terms.
Why can't I just use PayPal?
PayPal offers Buyer Protection for eligible transactions, but its Australian terms contain important exclusions and conditions. For example, PayPal lists vehicles (including cars, motorcycles, recreational vehicles, aircraft and boats) and industrial machinery used in manufacturing among transactions that are not eligible for Buyer Protection. Certain in-person or collection transactions are also excluded. Deposit Guardian takes a different approach by making the transaction process itself the focus: secure the payment, deliver, check, then release. View PayPal Australia's Buyer Protection terms.
Is Deposit Guardian a bank or insurance?
Deposit Guardian is a transaction protection service. It should not be described as a bank or insurance product unless the final legal and financial structure expressly supports those descriptions.
How do I know a message really came from Deposit Guardian?
For important financial instructions, check your authenticated Deposit Guardian account and the transaction connected to the message. Deposit Guardian will never ask you to move money to a “safe account”, buy gift cards, send cryptocurrency to protect your funds, provide your password or one-time security code, or install remote-access software. If a message makes one of these requests, stop and contact Deposit Guardian through your account.