What does Zoooom cost?

A flat $100 platform fee, paid by the buyer, on any sale that settles online. It does not scale with the price of the car. A sale paid entirely in cash at the handoff has no Zoooom fee at all. The seller is never charged and never has the fee deducted from what they receive.

How much does the seller receive?

The full agreed price, every time. Zoooom's fee and the payment processing cost are added on top for the buyer rather than taken out of the seller's proceeds. On a card payment the seller's money is paid out instantly.

Is there a limit on how much I can pay by card?

Zoooom caps card payments at $15,000 per transaction. Separately, your own bank often caps a single card transaction far lower — commonly around $1,000 a day — and that limit is set by your issuer, not by Zoooom. Above $15,000, or if your card is capped, use a bank wire, which has no ceiling.

Is a bank wire instant?

No. A wire is the cheapest way to pay — Zoooom covers the bank's wire fee, so the buyer adds only the $100 — but the buyer sends it from their own bank and it settles on the bank's schedule. Start it before 2 PM PT to settle the same day; after that cutoff wire is not offered until the next morning.

Do I have to verify my identity?

Yes, on both sides, and only once. Listing a car, making an offer, and accepting an offer are each gated behind identity verification, so you are never negotiating with an anonymous stranger.

Can I invite someone I already have a deal with?

Yes. If you already found a buyer or a seller elsewhere, you can invite them into Zoooom and run just the verification, payment, and title handoff through the platform. Sellers invite buyers to a listing; buyers invite a seller to bring a car they found.

How Zoooom works · Updated August 2026 · ~3 min read

How Zoooom Works

Buying and selling are the same five steps here. Whoever you are in the deal, the flow is identical: agree on a price, prove who you both are, pay through Zoooom, meet and sign the title, and confirm it’s done. The seller receives the full agreed price — every time.

Already found the other person? You don’t have to meet on Zoooom to sell on Zoooom. Invite them from your garage and run just the verification, the payment, and the title handoff through the platform.

The whole flow

Agree on a price. Either side starts. A buyer makes an offer on a listing, or invites a seller to bring a car they found somewhere else. Offers and counteroffers go back and forth in the Deal Center, with messaging attached to the deal. When one is accepted, the deal is live and the price is locked.
Both sides verify who they are. Buyer and seller each verify once with a government ID and a selfie, and both get a verified badge. Listing a car, making an offer, and accepting one are all gated behind it — so nobody in the deal is an anonymous stranger.
The buyer pays through Zoooom. The buyer picks how to pay — card, bank wire, or cash at the handoff — and sees the exact total before confirming. The seller always receives the full agreed price; Zoooom’s flat $100 fee and the processing cost are added on top for the buyer, never deducted from the seller. What each way of paying costs ↓
Meet and sign the title. Meet in person, look the car over one last time, hand over the keys, and sign the title over to the buyer.
Both confirm, and it’s done. Each of you confirms the sale in the app. The car moves into the buyer’s Digital Garage with its report and service history already attached, and out of the seller’s.

What it costs

Zoooom charges one flat fee: $100, paid by the buyer. It doesn’t scale with the price of the car, and the seller is never charged. What changes between the three ways to pay is the processing cost on top — and that is passed through at cost, with no markup.

Credit or debit card

Seller receives: The full agreed price
Buyer adds: $100 + the card rate (2.9% + 30¢) + Stripe’s 1% instant-payout fee, all at cost
Speed: Instant — the seller is paid out right away
Limit: Up to $15,000 per transaction. Your own bank often caps a card far lower, commonly near $1,000 a day — that limit is your issuer’s, not ours

Bank wireCheapest

Seller receives: The full agreed price
Buyer adds: Only the $100. Zoooom covers the bank’s wire fee
Speed: Not instant — you send it from your own bank, on your bank’s schedule. Start it before 2 PM PT to settle the same day
Limit: None — this is the way to pay above $15,000

Cash at the handoff

Seller receives: The full agreed price, in person
Buyer adds: Nothing. A sale paid entirely in cash has no Zoooom fee at all
Speed: At the meetup
Limit: Any amount. You can also pay part in cash and the rest online — the $100 then rides the online part

The exact total is calculated and shown to the buyer before they confirm, so nobody is quoted one number and charged another.

Why the buyer pays processing rather than the seller. A percentage taken out of the seller’s proceeds is what makes private-party selling feel like a tax. Here the price you agreed on is the price the seller gets, and the buyer sees exactly what their chosen payment method costs before they use it.

What Zoooom is doing while this happens

For the buyer

The seller’s identity is verified before you can pay them.
A Verified Report on the VIN — title brand, flood, theft, open recalls, known issues, and maintenance history.
Your payment is recorded with the time, device, and location it was made from, so a legitimate purchase can be proven later.

For the seller

You receive the full agreed price, with nothing deducted for fees or processing.
On a card payment the money is paid out instantly — no waiting on a check to clear.
The buyer’s identity is verified before they can make an offer, so you’re not meeting a stranger from a classifieds ad.

Start a deal

List a car, make an offer, or invite the person you’re already dealing with.

Open your garage → Browse the marketplace

More detail: Payments on Zoooom · Payment methods · The Deal Center · Identity verification · Completing the sale · Inviting a buyer or seller