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Choosing a payment method (for buyers)
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In this article


How you pay for an item depends partly on what payment methods your seller accepts. Read the item description before you bid or buy to find out what payment options you have. Most sellers accept PayPal because it transfers funds immediately and they can ship your item right away instead of waiting for funds to clear.

The fastest way to pay on eBay is by clicking the Pay Now button, which allows you to use PayPal, ProPay, or Skrill. Learn more about how to pay on eBay. When you're choosing a payment method, look for options that are convenient for you, secure, and traceable, just in case there's a problem. Use this table to compare payment methods.

This payment method...

Offers these advantages…

PayPal

PayPal is the preferred payment method for most eBay buyers and sellers. PayPal lets you send payments quickly and securely online using a credit card or bank account.

Learn more about paying for items with PayPal.

  • Payment is traceable. You can track the status of your payment using My eBay or your PayPal account.

  • Payment is convenient and immediate. You pay right from the listing page and your payment is deposited directly into the seller's account.

  • You don't have to use a credit card. You can transfer money directly from your bank account.

  • If you use a credit card, sellers don't see your card number. It's safely encrypted through PayPal's server to help minimize any risk of unauthorized use.

  • On eligible transactions you're covered by the eBay Money Back Guarantee for up to the full purchase price of your item, plus original shipping charges.*

Note: If you need more information about PayPal, contact PayPal for help.

Bill Me Later

Bill Me Later®, a PayPal service, is a fast, convenient, and secure payment method that lets you buy now and pay later.

*Bill Me Later® is subject to credit approval as determined by the lender, WebBank, Salt Lake City, Utah and is available to US residents who are of legal age in their state of residence.

Learn more about paying with Bill Me Later.

  • As a PayPal service and a part of eBay, Bill Me Later provides trust and security.

  • Depending on the price of your purchase, you'll have a certain amount of time to pay (interest may apply if paid over time).

  • You can get special financing for up to 18 months: Spend $99 - $498 and get 6 months financing, spend $499 - $898 and get 12 months financing, or spend $899 or more and get 18 months financing.

  • All of your purchases appear on a single monthly statement.

  • You're covered with "zero fraud liability" protection, which means you’re not responsible for unauthorized charges.

  • Your payment is secure. When you pay with Bill Me Later, your payment is processed without the seller ever seeing your payment information. The seller receives email notification of your payment.

  • Payment is traceable. You can track the status of your payment on your Bill Me Later account details page on PayPal or on Bill Me Later once you register your account.

  • On eligible transactions you're covered by the eBay Money Back Guarantee for up to the full purchase price of your item, plus original shipping charges.*

Credit card or debit card to a seller with an Internet merchant account

 

  • Payment is convenient and immediate. You pay directly from the listing page or email notification.

  • Payment is traceable. You can track the status of your payment using My eBay or your credit card account.

  • On eligible transactions you're covered by the eBay Money Back Guarantee for up to the full purchase price of your item, plus original shipping charges.*

Skrill

Skrill lets you send payments quickly and securely online using a credit card or bank account.

Learn more about paying with Skrill.

  • Payment is traceable. You can track the status of your payment using My eBay or your credit card account.

  • Payment is convenient and immediate. You pay directly from the listing page and the seller receives notification of your credit card payment.

  • When you buy on eBay, Skrill doesn't require you to register with them to make payments.

  • On eligible transactions you're covered by the eBay Money Back Guarantee for up to the full purchase price of your item, plus original shipping charges.*

ProPay

ProPay lets sellers accept credit cards without an Internet merchant account.

Learn more about paying with ProPay.

  • Payment is traceable. You can track the status of your payment using My eBay or your credit card account.

  • Payment is convenient and immediate. You pay directly from the listing page and the seller receives notification of your credit card payment.

  • You don't need to register with ProPay to make payments.

  • On eligible transactions you're covered by the eBay Money Back Guarantee for up to the full purchase price of your item, plus original shipping charges.*

Pay upon pickup

Along with other allowed payment methods, sellers can also offer this option.

  • You have an opportunity to inspect items in person at the time of payment.

  • You can coordinate pickup location and time with the seller at a time and place that's convenient for you both. (Be sure to document your payment and proof of delivery.)

  • You don't have to pay shipping costs, although some sellers have a surcharge for in-person pickup.

  • You can choose any payment method specified in the listing by the seller, including checks, money orders, cash, PayPal, or credit card. The types of buyer protection available to you varies by payment method.

Escrow

This is recommended for eBay Motors vehicle listings. Learn more about using escrow.

  • Payment is held by the escrow service until you receive and approve the item.

Note: There have been reports of fraudulent sellers using non-existent escrow companies. Only use Escrow.com for your eBay Motors vehicle purchases.

Other payment methods

Checks, money orders, and bank wire transfers aren't allowed for most eBay purchases.

But sellers can offer these payment methods for certain items in some categories, including Motors, Capital and Business Equipment, Real Estate, and Adult Only.

For more on exceptions, see the accepted payments policy.

  • Checks and money orders are traceable to a particular mailing address and provide proof of payment. (While fraud is rare, money is very difficult to recover when it occurs.)

  • If you run into a problem before the check is cashed, most banks offer a stop-payment service. Some money order services may also offer this service. 

  • For bank transfers, payment is deposited immediately into the seller's account.

Note: Remember that if you pay by check, your seller will wait for the funds to clear before shipping your item.

*For full details, see eBay Money Back Guarantee terms, conditions, and exclusions.

Important: Sellers can't require you to pay using payment methods that aren't allowed on eBay. If your seller wants to change payment methods after the listing has ended, you can insist on paying with one of the methods specified in the seller's original listing. For more about safe payment methods, see the accepted payments policy.

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