The first member of SwapBanana adds an item for sale in the sale list after they provide the title, description, rate, price, photo, and shipping charges.

The second member who wants to buy and item can select the first member's sales listing to receive all of the related info about the product.

Next, he/she pays for the item they want to buy. The item is removed from the sales list. The buyer now has the option to pay directly to the seller or through SwapBanana with an escrow fee. If the buyer chooses the escrow fee, the buyer can pay using their credit card, PayPal, and/or Check/Money Order. The money comes from the SwapBanana account. The first member can see the amount in their section.
When you receive the amount in the settlement section, the first user can ship his/her item to the second user. When the confirmation from the second user is complete, the admin selects the 'Settle Account' button to clear the pending settlement of the first user. The checks can be delivered bi-monthly after deducting the commission.