This study examines the existence of a marketplace to meet the needs of the e-commerce community and legal protection for consumers in the event of failure that harms them as a result of online transactions without a trusted third-party intermediary as joint account holders. The formulation of the discussed problem is how does the marketplace facilitate online shopping among the public and what is the legal protection for consumers who trade without a joint account? The research method used is a normative and literary study based on primary materials (laws), secondary materials (scientific papers, journals, books, documents and other literature) and tertiary legal materials (legal dictionaries). The results of the study show that due to the ease of doing business online, people are addicted to the existence of e-commerce platforms and marketplaces with various exciting features. If there is a delay in transactions carried out without a joint account, consumers can have legal protection through complaints to the Consumer Disputes Resolution Agency), which can be resolved through litigation or without litigation.