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Analysis23 July 2026·4 min read

Can a single tool protect both seller and buyer?

The objection is logical: a tool the merchant pays for should work for the merchant. Here's why a neutral third party protects both sides at once, and what it takes for that to be true and not just a slogan.

Anis Mokadym

Anis Mokadym

Founder of BackToMe

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When I explain that BackToMe protects the merchant as much as the consumer, there's always someone who raises an eyebrow. And that's healthy. The objection fits in one sentence: "the merchant is the one who pays the subscription, so deep down your tool works for the merchant". It's logical. I'm going to explain why it's wrong, and above all what it takes for it to be wrong for real.

The initial misunderstanding

We picture withdrawal as a match: the customer on one side, the seller on the other, and a tool necessarily in one of the two camps. In that image, protecting one necessarily means harming the other.

Except that BackToMe protects no one against anyone. It protects one single thing: the facts. Who asked for what, and when. That's not a camp, it's the neutral ground on which the two meet. And once you see that, the contradiction disappears.

The same proof cuts both ways

Take a withdrawal request that is dated and sealed, impossible to alter after the fact. Look at what it does, on both sides at the same time.

For the consumer: their request can no longer be "lost", ignored, or denied by a seller who drags their feet. They have a record, with a date, which they can produce if the refund goes beyond the fourteen days.

For the merchant: that same record prevents a customer from inventing a request that never took place, or from claiming to have withdrawn earlier than they actually did in order to widen their window. The date is sealed, it isn't up for negotiation.

It's the same object, established just once, serving as a shield in both directions. You don't need two tools, one for each camp. A neutral fact is enough, because a fact takes no side.

The one point of agreement between honest people

Here's how I sum it up. An honest seller and an honest customer disagree on many things: the price, the timing, the state of the product on return. But there is one point, just one, on which they want exactly the same thing: that what happened be recorded correctly.

The honest seller isn't afraid of a dated proof, they need it. Nor is the honest customer. The only ones it bothers are those who were counting on the fog: the customer who wanted to abuse the system, and the merchant who wanted to drag things out. Neutral proof is the common ground of the honest, against both forms of bad faith at once.

"Neutral" is proven, not declared

The real question remains, the one that matters: how can you be sure the tool doesn't lean towards the one who pays? Because saying "I'm neutral" is worth nothing. Neutrality must be built into the mechanism, not into a marketing page.

At BackToMe, it is, and it's verifiable. The merchant pays the subscription, but has no way to distort, delay or erase a request. As soon as a withdrawal is received, it is sealed with a cryptographic fingerprint that breaks at the slightest edit. No one, not even us, can rewrite that fingerprint after the fact.

And above all: the consumer, a judge or the national consumer regulator can check the integrity and date of the proof themselves, from its reference, without having to take our word for it. In other words, the one who pays has no hold over the proof. That's the difference between a trusted third party and a mere piece of software serving one party only. Neutrality isn't a promise, it's a technical constraint.

Why I hold on to that role

If BackToMe started judging requests, deciding who is right, refunding on people's behalf, it would lose exactly what makes it valuable. It would become a stakeholder again, with an interest, and therefore suspect in the eyes of the other side.

My obsession is proof, not arbitration. People bend the truth when it suits them, on both sides. Between the two, you need someone who simply records the facts and stays silent on the rest. That's the role I want for BackToMe, and nothing more. It's precisely what was missing until now: a player whose only job is to establish the facts, published in France, selling nothing extra to either side.

If you want to dig deeper, I've set out this positioning on the the neutral trusted third party page, and the "it also protects the merchant" side on the button protects you too.

Anis Mokadym

Anis Mokadym

Founder of BackToMe

Art. L.221-21 · 19 June 2026

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