Do you have a process in vetting bidders to prevent fraudulent activity?

It is the auction house’s responsibility to research all bidders to their satisfaction prior to approval. That said LiveAuctioneers provides the auction house with as much information as possible including their address and phone contact info, history in regards to how many past bids they have left, when their account was created, and how many auctions they have participated in previously.

Beyond that, bidders are now able to verify a credit card on file with us as an extra step in demonstrating their reliability. You, as the auction house, can request this 'Card on File" be added for verification purposes, by asking your bidders to fill out the information on the link below.

The link to give to the bidders for Card on File is:

With LiveAuctioneers ‘Card on File’, you’ll benefit from:

  • A more authentic bidder base:  Bidders placing a card on file are doing so platform-wide and one time.
  • Better pre-auction verification: We will let you know which bidders have a valid card on file and, at your option, allow global approvals of verified bidders so you will have more activity on your lots.
  • Faster Checkout: We’ve noted that over 50% of invoices are paid within 24 hours if the catalog opted into Payments. Bidders’ with a card on file, can complete checkout in two taps.


Sample Message:

Dear Bidder, 

We’re asking that all bidder’s put a card on file prior to approval...can you please visit the following link and let us know when you’ve added a card to your profile?


For further protection from fraudulent activity, LiveAuctioneers’ Live.Payments program offers our partners 100% chargeback protection from fraudulent transactions. Learn more about Live.Payments here.

FAQ - Card on File

Is it mandatory for bidders?

It’s completely optional for the bidder to complete.

Is the card auto-charged if the bidder wins the item?

No, even with a ‘Card on File’ bidders must still complete the checkout process.

Can the auctioneer charge the card?

No, neither LiveAuctioneers or the house can charge the card. Accessing the payment credentials happens through a secure connection and can only be triggered by the bidder themselves.

If you are interested in auto-charging, enrolling in Live.Payments allows you to activate Autopay, a functionality that automatically charges winning bidders’ on file cards 72 hours after the invoice is sent. Read more about Autopay.

Is there a fee to validate a card for houses?

It’s completely free for your use!

Is there a fee for bidders to validate their card?

No there is not a fee. A 50 cent authorization is placed on the bidder’s card.

Is it secure?

Yes, we’re meeting the most stringent levels of compliance. The cards never touch our servers, are encrypted, and are never shared with the auctioneer.

Does it work for international bidders?


Can Auctioneers use ‘Card on File’ without using Live.Payments?

Sure! The Card on File is more so for bidder approval.

If a bidder adds a card, how can auctioneers check?

Houses will be able to view a small credit card icon next to their name on the bidder management page.


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