Business account or multiple personal accounts?

As I told you before, all my accounts are in my name, for now Vinted does not take into account first and last names in their multi-account detection settings, the DAC7 for each account is in my name.

Okay, then I’m a criminal. Like all the big Vinted sellers who make videos on YouTube.

We don’t care if he’s not compliant. That’s his business and the tax authorities’.
Here, none of us are compliant with Vinted, since the use of software like Clemz is prohibited by the site’s terms and conditions. So, should we shut down the forum?

Others explain to you that they are professionals selling personally. This is a prohibited practice Obligation of pre-contractual information (Consumer Code, Art. L.111-1 and L.221-5).

We are not saying it’s good or it’s bad, everyone can think what they want, but it’s interesting to exchange on our practices, to think about the best evolution of our respective commercial activities.

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Setting rules and enforcing them is the job of the State, not ours.
But we, on the other hand, must understand these rules and position ourselves with regard to them. Whether we want to respect them or not, we must first understand them.

And for that, it’s important to talk to others, to see what they do, what they don’t do, and why, and how… This outside of any moral judgment.

We are talking about commercial law here, about which we can leave it to the State to enforce its own rules.

It’s clear that in other areas, for example, if a person came to explain to us how they abuse children, then our duty would be to report them to the state services. And that wouldn’t be delayed, I can tell you that.
But when it comes to the commercial rules for selling on Vinted, I prefer that we exchange freely on our practices, and that the state does the policing itself.

It doesn’t matter how many Vinted accounts you have, personal or professional. If you have a sole proprietorship registered in your own name, it’s best to declare the total revenue to URSSAF, otherwise be prepared with tissues (and cash) in case of an audit.

Don’t think that URSSAF will ignore the accounts.
Income from platforms = Turnover
regardless of the number of bank accounts, under the same name.

Except, of course, for Salary, when you combine 2 activities (one as an employee and a sole proprietorship)

For my part, I do not declare what I sell on my personal Vinted or what I sell on Rakuten, they are not at all the same products as my professional activity. On the other hand, if I resell a personal garment, I do it on my professional account to avoid any confusion.

Well, you’re taking a risk, believe me…
but everyone does as they please, just don’t cry about it afterwards… (it’s my opinion, we’re discussing, I’m not judging)

On the subject of checks, I know what I’m talking about, I’ve already been checked several times in the past. (in SARL and EI)
The inspector examines everything… professional and personal accounts, everything is looked at… it lasts for days or even weeks.
They are trained to really piss you off…
When he believes you’ve tried to hide things, he’s right, not you! Never!
No matter how much you tell him that you sold personal items and that the money went into your personal account… his answer… « that must be declared » « Adjustments »

From the moment you have a company (small, medium, large, it doesn’t matter), your personal life is linked to your companies, especially when you are a sole proprietor.

So, for those who don’t declare sales on their personal account, but have a sole proprietorship in the same name, they can do as they please, (I don’t care personally) but they must take responsibility afterwards…

The « uhhh I didn’t know »… The URSSAF [French social security collection agency]… replies « you should have known and you did it on purpose »

but he is not on a professional account because he understood that there are legal obligations that bother him

no we don’t care. they have an advantage over those who respect the rules. it’s unfair competition, that’s all. Otherwise, why do we bother having a professional account? well yes, it has disadvantages.

Buying a car or clothes from an individual or a professional is not the same. there are obligations towards the buyer, the very ones that he does not want to comply with.

You are mixing Vinted’s terms and conditions with legal obligations, they have nothing to do with each other.

You can be a professional and sell your few personal items, of course, that’s not the subject. Again, you are dodging the subject.

the subject is :smiley:

how do I keep the advantages of private accounts, without having the constraints of a professional and legal account? should I recall the entire list of obligations to which we are subject when selling online?

exchange on our practices yes, when they are legal.

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Now 2 reminders:

  1. 14-day right of withdrawal: the customer has 14 days after receipt to return the item without reason. You must refund within 14 days, including the initial shipping costs (standard rate). If you did not inform the customer of this right before the sale, the period extends to 12 months.
  2. Return costs: borne by the customer only if you clearly stated this before the sale (Terms and Conditions, product sheet). Otherwise, it’s your responsibility. This is a profitability point, not a detail.
  3. Legal guarantee of conformity: 2 years, even for used goods. Any defect appearing within the first 12 months (used goods) is presumed to have existed since the sale — it is up to you to prove otherwise. Solutions: repair, replacement, or refund.
  4. Hidden defects (Civil Code): in addition, 2 years from the discovery of the defect.
  5. Transport liability: it is yours until the item is handed over. Lost or damaged package = you refund or reship, and you are the one who claims against the carrier. You are prohibited from redirecting the customer to the postal service.
  6. Pre-contractual information: identity, SIRET, address, email, phone number, VAT-inclusive price, shipping costs, delivery times, return conditions, and guarantees — visible before purchase. On your own website: legal notices + Terms and Conditions + hosting provider name.
  7. Invoice: mandatory if the customer is a professional, if they request it, or for a sale to another EU country. For B2C France, an order confirmation is legally sufficient, but in practice, generate it systematically.
  8. Delivery time: 30 days maximum if nothing else is specified. If exceeded, the customer can cancel and demand a refund.
  9. GDPR: privacy policy, processing register (a simple document is enough for a micro-enterprise), customer data secured, deletion upon request.
  10. Consumer mediator: you must join an approved mediator and display their contact details. Modest annual subscription. This is THE thing that small sellers forget, and it can be penalized.
  11. Price display: VAT-inclusive, shipping costs announced before payment, no pre-checked boxes, order button with no ambiguity.
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Own Obligations for Micro-enterprises

  • Only one micro-enterprise per natural person. Never two. The SIREN is attached to the person, not the activity. It’s impossible to create a second one to « start over » on the thresholds.
  • Only one APE code per company, assigned by INSEE according to the main activity. You cannot combine multiple APE codes to break down your turnover. Multiple activities = always the same SIREN, the same overall ceiling.
  • A bank account dedicated to the activity is mandatory as soon as the turnover exceeds €10,000 for two consecutive years. All professional turnover must be traceable through it.
  • Declare 100% of the collected turnover to URSSAF (monthly or quarterly), regardless of the receiving account, platform, or payment method — transfer, PayPal, Lydia, cash, any account.
  • Thresholds are assessed on the total turnover of the person: VAT €85,000 / €93,500, micro threshold €203,100. All platforms combined, all accounts combined. One threshold, one person.
  • A chronological record of receipts is mandatory, with the origin and method of payment. Scattered, unregistered receipts = irregular accounting in itself.

ONE SINGLE account. Having different IBANs means you’re already not compliant. No need to think for 10 years to see that this is to circumvent obligations. Phone number, etc. in short.

It is possible to have multiple businesses, but with distinct activities, different APE codes, different bank accounts and accounting, etc.

It’s easy to understand why some don’t want to comply. Good luck

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That… most people don’t even know about it…

No, you can perfectly well have multiple bank accounts… there are no limits on that.

Yes. When I resell a personal item, I declare it, I’m registered as an individual.

Okay, for my car or my bed, of course. But if I resell a digital camera, or a pair of shoes, I do it.

Clever ones who think they can fool us, not to mention URSSAF (the French social security contributions collection agency), oh dear, they really take us for idiots. If only they did it subtly. For 20 years I’ve seen them come and go, they don’t last long.

Not in micro-business. For a few years now, separate accounts if more than 10,000 per year. So some cheat by having maybe 3/4 accounts while staying below 10,000. That’s what’s punishable, and they know it very well, they don’t do it by accident.

for the detection of multiple bank accounts there is Ficoba.

Not to mention those who put them in the names of their spouse, grandmother, etc.

*

If they put as much energy into being honest as they do into trying to cheat, it would be less difficult.

That’s what I don’t understand. Being compliant with micro-business regulations isn’t that hard, and yet I see people explaining that they have to manage multiple phones, multiple bank accounts, and restart a personal account every time it reaches €2,000 or 30 sales, etc.

I tell myself that I must spend 10 times less time managing my micro-business than these people who do everything to circumvent the rules, and all that for what? To not have to deal with a withdrawal period that happens 3 times a year or a warranty that I only had to apply once in 3 years.

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It’s not about the 14-day withdrawal period; personally, that’s not a problem for me. It’s about the long-term sustainability of my business… Having multiple accounts allows me to avoid endangering my business and not have a single « catch-all » account that sells both tracksuits and suits. I don’t find that professional. When you walk into a suit shop, you won’t find tracksuits; it’s the same on Vinted; there’s a certain brand image to maintain.

A single bank account, which allows for multiple IBANs, is sufficient.

And there’s no need to create a new account when you reach 30 sales; you fill out the DAC7 for each account.

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I wasn’t talking about you specifically in my examples, but about things I’ve read regularly.

Precisely, if that’s the reason, you’d better think like a pro :wink:

on Vinted, it’s not necessarily a disadvantage :sweat_smile:

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Honestly, I’d love to, unfortunately for the moment Vinted doesn’t allow things to be done properly… I see so many pro accounts getting banned every day, so many people finding their business halted… All of this, for the most part, for nothing, unfairly… Vinted’s algorithm / bots are a mess…

Pros should be better protected, we should be able to talk to a human when there’s a problem, not bots that always give irrelevant answers. They should allow pros to sleep soundly. Obviously, for those who respect the platform’s rules.

Why wouldn’t they offer a paid subscription for pros? To provide us with a service worthy of the name and that we can rely on long-term.

I’m going to go pro but I’m very, very scared and it’s not normal to be scared…

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So if I follow you, as a bookseller, I’ll be accused of fraud for reselling a mobile phone personally?

And there’s case law about beds :laughing:?

In any case, the only thing I wish for those who complain about professionals declaring income on a personal account is that you get banned from your professional account, just so you apply your logic to the fullest and change your line of work.

See, we can agree on some things. However, you need to adapt to the conditions, not the other way around. If your business is in danger, it means you don’t have the right method, the right channel, etc. If you create multiple separate accounts to sell different items, it’s the same mistake in strategy.

Ask yourself: Does someone who runs a suit shop also run a sneaker or e-cigarette shop?

That’s why you need to diversify, especially sales channels. Be professional, don’t cause trouble, respond well, and I haven’t had any warnings of any kind on Vinted. I have over 8,000 5-star reviews and occasionally a 2 or 3-star review. I adapted to the site, I chose a niche with less competition for Ralph Lauren, shoes, Shein hauls, and more, where anything goes. You just need to think, adapt. Besides, there’s no such thing as zero risk.

Bans often come from reports. You just need to think about how to avoid them, as much as possible. There are also many sellers who ignore their customers, don’t respond, articles aren’t described well, buy to resell in the same place, and it shows. An accumulation of mistakes and it’s karma.

I’ve been selling since 2004, and I’ve seen all sorts of behaviors, techniques to eliminate competitors, scams of all kinds, fake reviews, empty packages, buying reviews, bogus excuses, reporting groups, haters. Every era and every site has the same behaviors, only the methods change.

For your phone, if you get audited, you’ll need to prove it. You don’t know the subject well. There have been cases in my family, you can find testimonials here, with people who declared every cent. Believe me, you don’t want to go through that. I know others who cheated their whole lives and never got audited. One of my ex-colleagues worked at the DGFiP (French tax authorities), which helps understand.