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Merchant

They say money makes the world go round. Nobody knows this better than a merchant. Cash in hand, they use it to its greatest effect. What drove your character to become a merchant? Were they a young member of a caravan? Were they a poor urchin who went to live with a rich noble, who taught them the secret of success? Were they just a greedy mountebank who took their game to a semi-legitimate level? Are they the child of a bankrupted business mogul, and vowed to rise from the slums to become successful?

Quick Build

You can make a merchant quickly by following these suggestions. First, intelligence should be your highest ability score, followed by charisma. It is a good idea to have wisdom for a third highest ability score. Second, choose the guild merchant background. Third, choose the short sword, forgery kit, and explorer's pack.

hit dice: 1d8 per Merchant level

hit points at 1st level: 8 + your Constitution modifier

hit points at higher levels: 1d8 (or 5) + your Constitution modifier per Merchant level after 1st.

armor proficiencies: None

weapon proficiencies: Simple weapons, Improvised weapons

tools: Artisan's Tools

saving throws: Dexterity, Intelligence

skills: Choose three from Deception, History, Insight, Investigation, Perception, Persuasion, or Performance

starting equipment:
You start with the following equipment, in addition to the equipment granted by your background:

(a) A short sword or (b) A quarterstaff

(a) A sling with 20 pieces of ammunition or (b) A short bow with 20 arrows

(a) A disguise kit or (b) A forgery kit or (c) A gaming set of your choice

(a) A dungeoneer's pack or (b) An explorer's pack

If you are using starting wealth, you have 5d4 x 10gp in funds.

spellcasting:

class features:

Bang for Your Buck

Starting at the 1st level, you become proficient with firearms. Crafting firearms with a blueprint and ammunition (forge required) takes half the normal cost.

Insider Trading

Starting at the 1st level, you are privy to knowledge that most other customers do not have. When talking to a merchant, you are able to buy one rare item at a higher price that is not on the store's inventory list.

Pocket Change

Beginning at 2nd level, before or after an attack roll, you can spend 10 x (Enemy's CR) gp (minimum of 10 gp) to automatically land the hit, either by distraction, bribery, or plain throwing it at them, regardless of what you rolled. The money used becomes irrecuperable due to combat damage. This can be done once per long rest.

Business Style

Beginning at the 3rd level, your experience as a merchant has opened up new ways to make more money. Will you build an honest empire as a Tycoon, or will you rip off your customers as a Swindler? You gain features for these styles at the 3rd, 7th, 11th, and 15th details of each feature will be explained at the end of this page.

Ability Score Increase

When you reach 4th level, and again at 8th, 12th, 16th, and 19th level, you can increase one ability score of your choice by 2, or you can increase two ability scores of your choice by 1. As normal, you can't increase an ability score above 20 using this feature.

Cut to the Quick

Beginning at the 5th level, you have learned how to deal with even the stingiest of people. You become proficient in the Persuasion skill. If you are already proficient in this skill, double your proficiency bonus with any ability check that uses the Persuasion skill.

Trade Gossip

Beginning at the 6th level, your experiences in travelling have opened your ears to new sources of information. You learn one more language of your choice, to better expand the gossip chain.

All the Way to the Bank

Beginning at the 9th level, you can cast identify a number of times equal to your Charisma modifier per long rest. Additionally, upon finding treasure you can make an investigation check of DC (DM tells you), on a success you gain 50% more gold.

Spend Money to Make Money

Beginning at the 10th level, your business sense increases. You may now invest money into defense ventures thus keeping one targeted hostile creature from attacking you. The number of turns and price is 1 turn (10cp), 2 turns (10sp), 3 turns (10ep), 4 turns (10gp), and 5 turns (10pp). If you are not hit by any hostile creatures for the number of turns equal to the type of currency spent, you profit twice the money you spent. (Has to be 2 creatures present to use. You cannot use with only 1 creature present).

Dodge the Law

Beginning at the 13th level, your skills for business, and your eye for details lend you greater aptitude for underhanded business. Double your proficiency bonus for any skill checks performed with a forgery kit or disguise kit.

Flip of a Coin

Beginning at 14th level, you learn how to gauge risk. As an action, you may roll a d4. On a roll of 1-2, your next attack does -4 the normal damage. On a roll of 3-4, your attack does +4 the normal attack damage.

Treasure Hound

Beginning at the 15th level, once per day, you can summon a Xorn for 1 hour. Any treasure he finds on your behalf he will consume 1/4 of. The Xorn follows the same rules as a familiar.

Skip the Bill

Beginning at the 17th level, you have learned to more shrewdly save your funds. Whenever you take an action that requires you to spend money, roll a d20. If the number rolled is 19-20, you may use the action without spending any money.

Monopoly

Beginning at the 20th level, you are the definition of greed. You now have the option to spend half the money for any action that requires a payment.

subclass options:

Tycoon

Tycoons are all about power. They are as strong and imposing as the empire they have built.

Business Gambit

Beginning at the 3rd level, you know taking risks is necessary. When you roll a d20 for attack, if the result is 7 you may pay 5 gp to instead turn this into a critical attack.

Jackpot

Beginning at the 7th level, as an action you may spend 20gp to gain +2 AC and +2 to your attack bonus. Once per round, affects end after battle has ended.

Intimidation Factor

Beginning at the 11th level, as an action you may use this feature to force every hostile creature in a 30ft radius to make a Charisma saving throw. If the hostile creatures fail a throw of DC 8 + CHA modifier vs your Charisma, their movement speed and attack strength are halved until the start of their next turn.

Blood Money

Beginning at the 18th level, your position of power gets you many connections. For the cost of 5pp, you are able to pay off one hostile creature to attack any other creature of your choosing. This contract lasts for 2 turns. Afterward, the afflicted hostile creature will return to attacking you and your allies.

Swindler

Swindlers are as low and dishonest as it gets. They excel at befuddling others to their advantage.

Haggler

Beginning at the 3rd level, you perfect the art of haggling. You now have advantage on Persuasion checks when attempting to buy items for lower than their marked price.

Dirty Money

Beginning at the 7th level, you are able to taint the cash that touches your hands. For a certain cost of gp, you are able to cause a number of effects on a single targeted creature within 15ft of you. The target must succeed on a DC (8 + Proficiency Bonus + Charisma modifier) Constitution saving throw or be inflicted with one of the chosen conditions below, using up the listed gp either way: 5gp - Sleep, until 1 minute passes, the sleeper takes damage, or someone uses and action to shake or slap the sleeper awake. 10gp - Charmed for 1 hour or until you or your companions do anything harmful to it. 15gp - Frightened of you for 1 minute. 20gp - Poisoned for its next 2 turns.

Fraudulent Claim

Beginning at the 11th level, you gain expertise in Deception. Lying about deals to anyone with under 12 Wisdom is an instant success.

Mugger

Beginning at the 18th level, when making a successful melee attack, make a Sleight of Hand check. If the result is a 19-20, you steal your choice of any single item the enemy has that is not in their hands.

Level	Proficiency Bonus	Features
1	+2	Insider Trading, Bang for your Buck
2	+2	Pocket Change
3	+2	Business Style
4	+2	Ability Score Improvement
5	+3	Cut to the Quick
6	+3	Trade Gossip
7	+3	Business Style Feature
8	+3	Ability Score Improvement
9	+4	All the Way to the Bank
10	+4	Spend Money to Make Money
11	+4	Business Style Feature
12	+4	Ability Score Improvement
13	+5	Dodge the Law
14	+5	Flip a Coin
15	+5	Treasure Hound
16	+5	Ability Score Improvement
17	+6	Skip the Bill
18	+6	Business Style Feature
19	+6	Ability Score Improvement
20	+6	Monopoly

Created by

Lahallah Kayvaan.

System

Dungeons & Dragons 5e

Statblock Type

Class Features

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Dungeons & Dragons 5e Class Features : Merchant