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Solving credit and debit card problems
In this article
In this article


Find out what to do if you're having problems using your credit or debit card on eBay, if you see a charge from eBay that you don't recognize, or if you're having problems with your PayPal account.              

What should I do if my credit or debit card is declined?

If your credit or debit card is declined during seller verification, when making payment, or at some other time, you'll need to contact the issuer of your card. Here are some things you need to know:

  • eBay will verify your account by charging $1.00 to the card. This is a common way of making sure a card is active. If you don't have at least $1.00 available on the card, it will be declined. This charge is a temporary hold and it will be released soon. It is up to the issuer of your card to release the hold.

  • Make sure that you don't have daily transaction limits in place that are less than the amount you are trying to pay. For example, if you have a daily limit of $100 on your card, and you try to make a payment of $150, it will be declined.

  • If the card is new, make sure it's been activated.

  • Verify that the billing address your card issuer has on file for you is identical to the one you are using on eBay. If you've recently moved, double-check that that your card issuer has your new address.

  • If you have two names on the card, or a business and a personal name, make sure you are entering the names in the same order that they appear on your statement. If you need to, use one of the address boxes.

  • You usually can't use a pre-paid credit card to verify your account. If you continue to have problems using a credit or debit card to pay your eBay fees, you can make a onetime payment using another method.

  • Verify that the card verification value (CVV) number you entered matches your current bank records. For security reasons, when a new card is issued some credit card companies change the CVV number while the card number may stay the same.

What should I do if I see a charge from eBay that I don't recognize?

We have a team at eBay that investigates unrecognized charges. If you see a charge from us and you don't know why, send the information to our Credit Card Resolution department so they can look into it right away. For your security, please don't send us your credit card information by email. Instead, please fax a physical copy of your card statement to: 801-880-8754

Please include the following information in your fax:

  • Your user ID

  • Your name

  • Your address

  • Your daytime phone number

  • Your email address

  • The date that the unrecognized or unauthorized charge occurred

  • A copy of your credit card statement, with the full 16-digit card or account number visible, showing the charge

Once we receive your information, we'll investigate the unknown charge and contact you shortly.

What should I do if I have problems with my PayPal account?

If you need to solve problems with your PayPal account, you can find most of the answers to your PayPal questions in the PayPal Help Center. If you can't find what you need in PayPal's Help Center, you can contact PayPal Customer Support.

Contact Customer Service
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