Profession: Merchant
Starting Gear: A basic set of leather brigandine and a steel dagger
Pay Rate: 150 shillings per game week
Starting Bonuses: 50 character points at character creation
Bonuses:
  • Get loan for Luck x 10 shillings
  • Starts with Trade and Appraisal
Penalties:
  • Offensive skills cost 25% more to acquire
Weapon & Armor Types:
  • Merchants can only use light and small weapons like daggers, small swords, throwing weapons, rods, staffs, projectile weapons, and whips.
  • Can only wear cloth armor and chain armor
  • Cannot use shields larger than bucklers

You excel at trade and can always get a good deal. You know the worth of an item far better than a layperson. You would however find it difficult to fight and to survive out in the wilderness. You prefer light armor and flashy clothes to anything heavy.

The Merchant Profession is all about making a quick shilling. They can sell ice to a yeti but they aren't so good with a sword.

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1) Starting Bonuses and Penalties

You already know that playing as a merchant grants you 50 character points during character creation and a 150 shillings per week salary. However these are not the only benefits a merchant receives.

  • A merchant can take out a loan for their Luck x 10 worth of shillings. Once the loan is accepted, the merchant will lose 10% of his or her shillings each game week until the loan + 10% interest is paid. The merchant cannot take out another loan until the loan is paid.

  • A merchant starts with the Trade and Appraisal skills.

  • Merchants have a harder time with combat skills, their cost to acquire being increased by 25%.

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2) Effects on Weapon Usage

Merchants are regrettably cowards and are not skilled in combat. For this reason, merchants can only use light and small weapons like daggers, small swords, rods, staffs, throwing weapons, projectile weapons, and whips.

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3) Effects on Armor Usage

Merchants only wear cloth armor, which often times is made to look elaborate, chain armor, and can not use any shields larger than bucklers. Merchants cannot wear other armor types even with the right skills.

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4) Character Point Rate

Merchants strive to make money. They focus all of their learning and experience to get the best deal possible.

The Merchant's character point rate is:
  • Mental x 0.03; with an additional +0.25 for every level in Haggle
  • A merchant who gets Store Master at level 1 gets to roll a 1d% increased by Mental as a percentage for extra character points.
  • A merchant who gets Store Master at level 4 gets to roll  2d% increased by Mental as a percentage for extra character points.
  • A merchant's End of Session Bonus rate is your character point rate increased by 1/2 Will. So if your character point rate is 1.5 and your Will is 60, you would take 1.5 x 30 to get 45 extra character points at the end of the session. The GM can of course reward extra character points based on role playing. 

 

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5) Skills

Merchants specialize in skills that deal with buying, trading, and selling items and services. Any of the skills listed below would have their cost reduced by half.

5.1) Merchant Skills Progression

5.2) Merchant Skills

Skill Stat Cost Description Level Effects Cost to Acquire
Appraisal 5 SA

Identify the value of an item by sight.

N/A: only one level

In Profession: 25
Out of Profession: 50

Disregard Tax N/A

Automatically reduces the costs of all items by 20%.

N/A: only one level

In Profession: 25
Out of Profession: 50

Energy Trade N/A

Trade SA or EP with an ally for equal amount in opposite stat. Must be next to ally you wish to trade with. Can be used with your supportive action in battle, or outside of battle. The trade is permanent.

N/A: only one level

 

In Profession: 25
Out of Profession: 50

Haggle N/A

1d10 as a percentage discount when buying items or services. 1d12 as a percentage increase in selling costs.

Level 1: 1d10% buying; 1d12% selling
Level 2: 2d10% buying; 2d12% selling
Level 3: 3d10% buying; 3d12% selling
Level 4: 4d10% buying; 4d12% selling

Level 1: 25/50
Level 2: 50/100
Level 3: 75/150
Level 4: 100/200

Identification 15 SA

+10 to Perceive to identify what an object is by sight and all of its properties.

Level 1: +10 to Perceive; 15 SA
Level 2: +20 to Perceive; 30 SA
Level 3: +30 to Perceive; 45 SA
Level 4: +40 to Perceive; 60 SA

Level 1: 25/50
Level 2: 50/100
Level 3: 75/150
Level 4: 100/200

Identify Forgery or Counterfeit 10 SA

+10 to Perceive to identify if something is a forgery or counterfeit.

Level 1: +10 to Perceive; 10 SA
Level 2: +20 to Perceive; 20 SA
Level 3: +30 to Perceive; 30 SA
Level 4: +40 to Perceive; 40 SA

Level 1: 25/50
Level 2: 50/100
Level 3: 75/150
Level 4: 100/200

Increase Resell Value N/A

Increase resell value at 10% greater than purchase price.

Level 1: 10% greater resell value
Level 2: 20% greater resell value
Level 3: 30% greater resell value
Level 4: 40% greater resell value

Level 1: 25/50
Level 2: 50/100
Level 3: 75/150
Level 4: 100/200

Increased Spoils N/A

Increase the end of session character point reward, found treasures, and any money found by 20%.

Please Note: You will not gain extra character points for using this skill.

Level 1: 20% increase
Level 2: 40% increase
Level 3: 60% increase
Level 4: 80% increase

Level 1: 25/50
Level 2: 50/100
Level 3: 75/150
Level 4: 100/200

Mark Up Value N/A

Increase the sell value of an item by 1d20 as a percentage.

Level 1: 1d20%
Level 2: 2d20%
Level 3: 3d20%
Level 4: 4d20%

Level 1: 25/50
Level 2: 50/100
Level 3: 75/150
Level 4: 100/200

Point Market N/A

Buy or sell character points in point markets. Buy 1 character point for 50 shillings. Sell 1 character point for 25 shillings. The worth of character points increases per level, so at level 4 you would get to buy 4 character points for 50 shillings or sell 0.25 character points for 25 shillings. You can use Haggle with this skill.

Please Note: You will not gain extra character points for using this skill.You will however gain the extra character points for using Haggle.

Level 1: Buy 1 cp for 50 shillings, sell 1 cp for 25 shillings
Level 2: Buy 2 cp for 50 shillings, sell 0.75 cp for 25 shillings (1 cp for 31.25)
Level 3: Buy 3 cp for 50 shillings, sell 0.5 cp for 25 shillings (1 cp for 37.50)
Level 4: But 4 cp for 50 shillings, sell 0.25 cp for 25 shillings (1 cp for 43.75)

Level 1: 25/50
Level 2: 50/100
Level 3: 75/150
Level 4: 100/200

Point Trade N/A

Trade stat points for character points at a 1:5 ratio, the 5 is increased per level of mastery. Basically, with this skill you can trade your stat points from your stats for character points. So, you could for example trade 5 points from Luck. This skill gives you 5 character points per stat point, at level 1. So for those 5 points from Luck you could get 25 character points. This skill doesn't work for trading character points to stat points, that will always be at 10 character points for 1 stat point. This is basically a way to get some needed character points for a skill quickly. The best use of this skill would be to get it to Level 4. Then you could get 20 character points per stat point. That would allow you to get double the value, basically, and you could in that way turn that 1 stat point to 2 stat points. This cannot be used in battle. 

Please Note: You will not gain extra character points for using this skill.

Level 1: 1:5 ratio
Level 2: 1:10 ratio
Level 3: 1:15 ratio
Level 4: 1:20 ratio

Level 1: 25/50
Level 2: 50/100
Level 3: 75/150
Level 4: 100/200

Poker Face 5 SA

+10 to Luck to lie to someone and have them believe it.

Level 1: +10 to Luck; 5 SA
Level 2: +20 to Luck; 10 SA
Level 3: +30 to Luck; 15 SA
Level 4: +40 to Luck; 20 SA

Level 1: 25/50
Level 2: 50/100
Level 3: 75/150
Level 4: 100/200

Resell for Cost N/A

Resell item not damaged at purchase price.

 

N/A: only one level

In Profession: 25
Out of Profession: 50

Rip Off 25 SA

Sell any item for double what it is worth.

N/A: only one level

In Profession: 25
Out of Profession: 50

Sell Damaged Item 20 SA

Sell damaged item as if it was not damaged. You can use this skill with the Resell for cost skill and Increase Resell Value skill for a skill chain. 

N/A: only one level

In Profession: 25
Out of Profession: 50

Store Master N/A

 

Operate a store making Luck increased by 25% (Luck x 1.25) in shillings per game week.

Level 1: Luck x 1.25
Level 2: Luck x 1.50
Level 3: Luck x 1.75
Level 4: Luck x 2

Level 1: 25/50
Level 2: 50/100
Level 3: 75/150
Level 4: 100/200

Swindle 5 SA

10% bonus to Luck to fool or trick someone. 

Level 1: 10% to Luck; 5 SA
Level 2: 20% to Luck; 10 SA
Level 3: 30% to Luck; 15 SA
Level 4: 40% to Luck; 20 SA

Level 1: 25/50
Level 2: 50/100
Level 3: 75/150
Level 4: 100/200

Trade N/A

Trade items of similar worth.

N/A: only one level

In Profession: 25
Out of Profession: 50

Wholesale N/A

Reduces the total price by 20% if bought 10 or more items.

Level 1: 20%
Level 2: 40%
Level 3: 60 %
Level 4: 80%

Level 1: 25/50
Level 2: 50/100
Level 3: 75/150
Level 4: 100/200

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6) Merchant Growth

As you develop and master skills within your merchant profession, you will become a more capable merchant. Each set of skills mastered will increase your tier level in your profession, which in turn will provide you with more benefits.

6.1) Tier 1: Basic Salesmanship

This is the tier level you start out as. The starting bonuses listed earlier apply here.

6.2) Tier 2: Novice Salesmanship

To reach this tier, you must acquire all of the skills in the Resell for Cost skill chain at level 1. As a novice merchant you benefit from the following bonuses:

  • Merchants can use haggle to give themselves a 10 point bonus to Influence %, which they can use to talk their way out of a battle.
  • +0.5 to Character Point rate
  • Add 10% Will to Will as a modifier

6.3) Tier 3: Skilled Salesmanship

To reach this tier, you must acquire all of the skills in the Resell for Cost skill chain at level 2. As a skilled merchant you benefit from the following bonuses:

  • Merchants can use haggle to increase the character point reward, any combat spoils, and any currency found by 25%.
  • Increase salary by luck as a percentage.
  • +0.5 to Character Point rate

6.4) Tier 4: Master Salesmanship

To reach this tier, you must acquire all of the skills in the Resell for Cost skill chain at level 3. As a master merchant you benefit from the following bonuses:

  • Merchants can use haggle to decrease the damage dealt to them by 25%.
  • Merchants can use haggle to increase the damage they deal by 25%.
  • Add 10% Will to Influence
  • +0.5 to Character Point rate
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Submitted by mythus on Mon, 11/15/2021 - 00:04