eBay is managing payments

Managing payments provides an enhanced buying and selling experience on eBay, providing sellers one place to sell and get paid, and buyers more ways to pay.

What does it mean for eBay to manage payments?

Managing payments is the way business is done on eBay and it’s essential to enhancing the buying and selling experience on the marketplace. When eBay manages payments, you can sell and get paid in one place, on eBay, and buyers have new ways to pay.

You can schedule payouts at a frequency you choose (daily or weekly). Regardless of how the buyer pays, funds will be made available to your bank within 2 business days (Monday through Friday, excluding bank holidays) of confirming the buyer’s payment.

Since 2018, we’ve managed billions in payments and over 4 million sellers globally have registered for eBay to manage their payments with more joining every day.

All sellers must register for eBay to manage their payments in 2021. When you receive a notification from us, we recommend you register before the communicated deadline to avoid any interruption to your account. Registration consists of a few simple steps, and once you have registered, we will send you further details about how to take full advantage of our simpler approach to payments. Please make sure you are signed up for emails from eBay.

Stay up-to-date here at the Seller Center, by searching eBay Help pages, or by asking questions through the Community.

When eBay manages payments, it is:

  • Simpler to sell: Checkout is more flexible, with an easier experience for buyers
  • Simpler to get paid: Payouts are sent directly to your bank account
  • Simpler to manage: Operations run smoother, with simplified fees, integrated reporting and streamlined support

Benefits for sellers

  • Choice: Buyers have more payment options (credit, debit, and gift cards; Apple Pay, Google Pay, PayPal, and PayPal Credit). No separate PayPal account required - for buyers or sellers. Did you know? We see from our data that when presented with the option, new or reactivated buyers are choosing to pay with credit and debit cards, Google Pay and Apple Pay across the majority of purchases.*

    *Based on purchasing behavior of new and reactivated buyers during the quarter ending September 30, 2020. New buyers include customers that made their first purchase on eBay in the preceding 52-week period, or returned to make a purchase on eBay after no activity for 12 consecutive months.

  • Convenience: Access everything you need, all in one place: consolidated fees, customized reports, refunds and returns, labels, simplified protections and tax documentation (Form 1099Ks). If you use third-party tools, there should be no change to how you use them.
  • Streamlined operations: Regardless of how the buyer pays, payouts are sent to your bank within 2 business days (Monday through Friday, excluding bank holidays) of confirming the buyer’s payment. Get unique order numbers for ease of reconciliation, and the option to pay for shipping labels from your earnings, or use a PayPal account.
  • Reporting: Updated reports are available for download and export from Seller Hub. Examples of reports include monthly statements, payout, order and post-transactions reports, performance insights, and if applicable, annual 1099-K/tax reports.
  • API integration: Those who integrate using eBay APIs can update their integrations to view payout information.
  • Exclusive support: Get dedicated, expert Payments support during the sign-up process and whenever you need help.

Getting paid on eBay

Learn more about how the payout process works.

eBay payments infographic

Register now

All sellers must register for eBay to manage their payments in 2021. If you’ve received a notification to register for eBay to manage your payments, you can register in a few simple steps:

  1. Verify your information.
  2. Provide a checking account. You can use an existing account or add a new one.
  3. Don’t miss a beat and keep selling!

When eBay is managing your payments, your earnings will be sent to your bank account instead of PayPal. Additionally, all your live listings will be updated to reflect the new ways buyers can pay.

During the registration process you can choose to add a bank account - whether existing or new. Please ensure that the name, address, and business information (if applicable) on your bank account matches the name and information on your eBay account.

Watch a brief video on registering here, or learn more on the Help Hub. If you still have questions, you can request a call from one of our Payments team members there.

Need more information about fees?

Most business sellers can expect to see overall savings on fees**. For information about how fees apply to different categories, click here.

**Savings are based on annual total sales volumes, and comparisons of (a) prior eBay final value fees plus typical 3rd party payment provider fees, with (b) new eBay final value fees (without any 3rd party processing fees).

Your data is secure

We will update the information in your eBay account with the information you shared during registration. This information allows us to send your payouts and comply with anti-money laundering (AML) and know-your-customer obligations, which help keep eBay a trusted marketplace.

Our data security procedures ensure that the information you share with us is safe. We will use and share the information you submit as described in the User Agreement, the Payments Terms of Use and the User Privacy Notice. Learn more about how eBay protects your personal information in our Security Center.

As an additional security measure, eBay also supports two-factor authentication. We highly recommend that sellers leverage this additional layer of security. When two-factor authentication is enabled, sellers must authenticate the login credentials associated with their eBay account via SMS or push notifications if they have the eBay app on their iOS or Android device.

eBay Payments Overview FAQs

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  • What does it mean when eBay manages payments?

    When eBay manages payments, you can sell and get paid in one place, on eBay, and buyers have more ways to pay.

    You can schedule payouts at a frequency you choose (daily or weekly). Regardless of how the buyer pays, payouts are initiated within 2 business days (Monday through Friday, excluding bank holidays) of confirming the buyer’s payment.

    Instead of managing relationships with both eBay and PayPal, you can access everything you need on eBay: consolidated fees, customized reports, refunds and returns, labels, simplified protections, and tax documentation (Form 1099Ks).

  • Is there anything I need to do right now?

    When you receive a notification, you will need to register by the communicated deadline. This will ensure your account does not experience any disruptions after the deadline has passed.

    If you do not register for eBay to manage your payments by your specified deadline:

    • Your ability to manage listings and sell on eBay will be disabled.
    • Any live listings (including those with bids and offers) associated with your account will be removed.

    Once eBay is managing your payments, your payouts will go directly to your bank account (instead of your PayPal account), all of your listing capabilities will be re-enabled, and you will be able to easily relist your removed listings from your Unsold listings section.

    Please note buyers can still pay with PayPal when eBay manages payments.

  • Should information from my eBay account match the bank information I provide during registration?

    The person or business identified in your eBay seller profile should match the person or business listed as the owner of the checking account you register for eBay to manage your payments.

    For example, if the business name associated with your checking account is “Joe’s Hobby Shop,” you should use the same name, address, and business information (if applicable) during registration.

  • Do I have to sign up with a new payment processor?

    No. When eBay manages your payments, the only relationship is with eBay, not with any third-party payment processors. This applies to both buyers and sellers. You just need to link a checking account to receive your payouts, and buyers will pay like they would on any other e-commerce marketplace.

  • Will there be any restrictions on product categories?

    eBay only manages payments for sellers when the experience supports the categories that a registered seller frequently lists in. We are working to expand the types of items allowed by sellers when eBay manages payments through 2021. View the eBay restricted items policy.

  • Are charity and donations listings supported?

    We do support charity and donations when eBay manages your payments. Community sellers can learn more here, and direct charity sellers can find more information here.

  • If I don’t register now, what happens?

    Managing payments enhances the buying and selling experience on eBay. All sellers must register for eBay to manage their payments in 2021. When you receive a notification, we encourage you to register before the deadline to avoid any account interruption.

    If you do not register for eBay to manage your payments by your specified deadline:

    • Your ability to manage listings and sell on eBay will be disabled.
    • Any live listings (including those with bids and offers) associated with your account will be removed.

    When eBay manages your payments, once your account is activated for eBay to manage your payments, your payouts will go directly to your bank account (instead of your PayPal account), all of your listing capabilities will be re-enabled, and you may relist your removed listings from your Unsold listings section.

    Please note buyers can still pay with PayPal when eBay manages payments.



Privacy and Data Security FAQs

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  • Why does eBay require my social security number for registering my account?

    eBay only requests the information required to keep you safe and pay out your earnings. Now that eBay manages payments, we send funds directly to your bank account instead of PayPal. For sellers’ convenience, we require only the last 4 digits of the Social Security Number, with full SSN later, if required for tax compliance.

    Earning and keeping your trust is our priority. eBay protects your personal data through safeguards such as physical access restrictions for our data centers, and using encryption when transmitting and storing sensitive information (such as bank account numbers and credit card details), and firewalls to prevent intruders from accessing our internal systems.

  • How are you protecting my personal and business information?

    When eBay manages your payments, you can view and edit your information in the Account tab of My eBay. We will use and share the information you submit as described in the Payments Terms of Use. Learn more about how eBay protects your personal information.

    We protect your personal data through technical and organizational security measures to minimize risks associated with data loss, misuse, unauthorized access, and unauthorized disclosure and alteration. To this end we use firewalls and data encryption, for example, as well as physical access restrictions for our data centers and authorization controls for data access.

    You can find further information on our data security procedures in our Security Center.

  • Buyers are sensitive about sharing payment information. How will eBay keep their payments information secure?

    eBay has adopted physical, technical, and operational controls to protect cardholder data and comply with the Payment Card Industry Data Security Standards (PCI DSS). We are currently performing PCI level one compliance at the highest form of security in the payment card industry, and buyer payments data is not shared with the seller.

  • What are you going to do with my information?

    The information you provide will allow us to send your payouts and comply with anti-money laundering (AML) and know-your-customer obligations, which helps keep eBay a trusted marketplace.



  • What does it mean for my seller fees when eBay manages my payments?

    You can find information about fees charged to sellers who are enabled for eBay to manage payments here. eBay charges an updated final value fee when your item sells. The final value fee consists of a variable category-based percentage of the total amount of the sale, plus a fixed fee per order, with no third-party payments processing fees.

    eBay deducts fees and expenses related to your sales from your funds prior to payout. Examples of eBay selling fees include but are not limited to: insertion fees, promoted listings, listing upgrades, and Store subscription fees.

    Most business sellers can expect to see overall savings.**

    **Savings are based on annual total sales volumes, and comparisons of (a) prior eBay final value fees plus typical 3rd party payment provider fees, with (b) new eBay final value fees (without any 3rd party processing fees).

  • Will I still receive a monthly invoice?

    When eBay manages your payments, you will no longer receive a monthly invoice and all of your eBay selling fees and expenses, will be deducted from your earnings. If your earnings are not sufficient to cover these amounts, we will charge your payment method on file (debit or credit card, and/or linked bank account). Learn more here.

    Examples of eBay selling fees include but are not limited to: insertion fees, Promoted Listings, listing upgrades, and Store subscription fees.

    You may find information on fees and expenses via the reports functionality in the Payments tab in Seller Hub.

    Depending on your monthly invoice date, you may continue to receive invoices for the two months after your account is activated. You must still pay any outstanding amounts that are reflected on billing invoices that you receive during this time. Charges will not be duplicated.



Payouts FAQs

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  • When and how will I receive my payouts?

    eBay sends a message when your buyer has paid and it's time for you to ship your order. You can use the processing funds from your sale to purchase shipping labels immediately, or pay for them separately.

    Payouts are initiated within 2 business days (Monday through Friday, excluding bank holidays) of confirming the buyer’s payment. Once a payout is initiated, funds will be available in your bank account per normal bank processing times, typically within 1-3 business days.

    eBay deducts fees and expenses related to your sales from your funds prior to payout. Examples of eBay selling fees include but are not limited to: insertion fees, Promoted Listings, listing upgrades, and Store subscription fees.
    You will find details of your payouts, including all related fees and expenses, in the Reports section of Seller Hub or the Seller Dashboard section of My eBay.


    If you choose to receive payouts daily, payouts of available funds are sent to your bank within 2 business days of confirming the buyer’s payment. In the event of a bank holiday, the payout will be made on the following business day.

    If you choose to receive payouts weekly, payouts of available funds are sent to your bank on Tuesdays. If a Tuesday falls on a bank holiday, the payout will be made on the following business day.

    Once payouts are sent, your bank will generally take 1-3 additional business days to make the funds from these payouts available to you. Watch a short video on payouts here.

  • Do I need a bank account to receive payouts?

    Yes, payouts are sent directly to your bank account when eBay manages your payments. During the registration process you can choose to add a checking account - existing or new.

  • Why are payouts still going to PayPal after eBay begins to manage my payments?

    If a buyer has committed to a listing (i.e. listing has an accepted offer, active bid, or the buyer has committed to buy the item) before eBay manages payments on your account, PayPal will process the transaction and you will receive payment for that item in your PayPal account. This is to ensure buyers have a consistent payment experience from start to finish.

    When eBay manages your payments, eBay will pay out earnings from your other existing listings or newly-created listings directly to your bank account, not your PayPal account.

  • Can eBay send my payouts via direct deposit to PayPal accounts?

    PayPal direct deposit accounts are not compatible with eBay managing payments at this time. When eBay manages your payments, you must link a checking account (not a PayPal routing number) to receive your payouts. Please make sure you provide only a checking account, where the name, address, and business information (if applicable) on the bank account matches the name and information provided to eBay.

  • Why can’t I get funds the same day like I do today in PayPal?

    We aim to pay you as quickly as possible, but are dependent on the credit card brands (Visa, Mastercard, American Express, etc.) and banks for payout processing and timely funds settlement.

  • Does eBay earn interest on funds before they are paid out to sellers?

    eBay initiates payouts to sellers’ bank accounts within 2 business days (Monday to Friday, excluding bank holidays) of confirming the buyer’s payment, unless the seller requests weekly payouts. eBay does not earn interest on pending payments, payments scheduled for payout, or payments that are in the process of getting paid out.



Current forms of payment FAQs

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Buyer Experience FAQs

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  • What do buyers experience when eBay manages payments?

    When eBay manages payments, buyers can use a variety of payment methods such as credit, debit, and gift cards; Apple Pay, Google Pay, PayPal, and PayPal Credit. When eBay manages your payments, we’ll update all of your existing live listings* to reflect the different ways buyers can pay. Buyers can also save and store their card information for future use. Their experience will be similar to that of other online retailers.

    *Any listings that violate our policies will be ended.



Listings FAQs

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International Selling FAQs

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  • How does international selling work?

    If you offer to ship internationally, your listings may surface in buyer searches on supported international eBay sites. You may also limit the countries you ship to by selecting specific regions in your listing settings. You may create listings on select eBay sites outside of the United States, such as Germany (www.ebay.de) and the United Kingdom (www.ebay.co.uk), and Canada (www.ebay.ca). Your earnings for these sales will be disbursed in US Dollars.

    Please note, additional fees may apply if either the buyer’s registered address or the delivery address for the item is located outside of the United States. For more details on international selling on eBay, click here.

  • Can buyers from outside of the United States purchase from me when eBay manages my payments?

    Most non-US buyers can shop and pay on the ebay.com site as they do today. In most cases, the non-US buyer can pay using their locally supported forms of payment.



Shipping FAQs

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Third-party Tools FAQs

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  • Will I be able to use third-party tool integrations when eBay manages my payments?

    If you use third-party tools that integrate with eBay APIs to manage your listing, inventory, and order management activities, to reconcile finances, or issue refunds, there should be no change in how you use those tools when eBay manages your payments. Please contact your individual third-party provider regarding questions specific to their service offerings.

  • Will I need to modify my eBay API integrations to accept these payments?

    If you directly integrate with eBay APIs or MIP, you may need to make updates to get new payments data and functionality. You will need to integrate the Finance API to get payout details. Learn more about the payments API in our developers program portal.

  • What bookkeeping software can I use when eBay manages payments?

    If you use GoDaddy for bookkeeping, you can sync your payments reports from eBay with GoDaddy bookkeeping services.

  • Can I use PayPal Working Capital (PPWC)?

    We want to ensure your transition to eBay managing payments is as smooth as possible. If you have existing business loans, including PayPal Working Capital, you can still register for eBay to manage your payments.

    Once eBay manages your payments, you may need to take additional steps to repay your PayPal Working Capital loan. When eBay manages payments, your sales activity is no longer visible to PayPal. If you’re a PayPal Working Capital customer, that means that even when PayPal is included as a checkout option for buyers, PayPal will no longer be able to see your sales or be able to deduct automatic loan repayments from your eBay sales.

    PayPal has a number of free and easy solutions to help you manage your PayPal Working Capital loan repayment and can also provide information about other financing options. To ensure you fulfill your obligations, please visit PayPal Working Capital to understand the actions you need to take.

  • What are my options for working capital?

    Many options for working capital loans and business financing solutions are available that are compatible with eBay managing payments.

    Under eBay Seller Capital powered by LendingPoint, eligible business sellers may be able to obtain fast, flexible and transparent financing with no origination or early payback fees.* Borrowers may benefit from competitive rates and a convenient repayment schedule, and take advantage of the opportunity to refinance their existing loan at a lower repayment and save.

    • New Working Capital with Fixed Payments for a short-term loan featuring one fixed fee. Payments are made bi-weekly.
    • Business Loans up to $500K and terms up to 60 months** for longer-term business needs
    • Lines of Credit up to $150K for easily accessible capital

    Get more information about eBay Seller Capital powered by LendingPoint, here.

    *Applications for loans submitted may be funded by one of several lenders including: LendingPoint LLC, a Delaware limited liability company with its principal place of business in Kennesaw, Georgia; FinWise Bank, a Utah-chartered bank, member FDIC; First Electronic Bank, a Utah-chartered industrial bank, member FDIC; and Fundation Group LLC. Loan approval is not guaranteed. Actual loan offers, loan amounts, terms, and annual percentage rates (“APR”) may vary. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day.

    **Actual terms may vary. For example, a $10,000 loan serviced by LendingPoint over a period of 48 months that has an APR of 12.99% may have a payment of $268.23 per month.



Seller Protections & Buyer Requests FAQs

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  • Will I still be eligible for seller protections?

    Yes, as long as your account is in good standing with eBay, you are eligible for seller protections. We designed Seller protections at eBay to help you safeguard your online sales and prevent you from losing money due to chargebacks and eBay Money Back Guarantee claims. Learn more about eBay Seller Protections.

  • How will claims, refunds, and returns work?

    When eBay manages your payments, you only need to work with eBay for support and service on claims, refunds, and returns. You’ll have the ability to make comprehensive seller-initiated refunds for full or partial amounts, by item or on the full order, on eBay or via a third-party platform.

    eBay will offer buyers the option to submit claims through the eBay Resolution Center for most situations. Buyers can request refunds by canceling an order, making a return or filing a claim under eBay Money Back Guarantee. They may also choose to directly file disputes with the financial institution.

    You will have access to all refund requests via the eBay Resolution Center. By centralizing resolutions, you’ll have greater visibility into claims and disputes, and be able to manage them more effectively. For the majority of claims, returns, and refunds, eBay will continue to follow existing policies, and return refunds to the original payment method the buyer used at time of purchase.

    We will deduct fees, expenses, and charges, resulting from refunds, claims or disputes directly from your earnings. If your earnings are not sufficient to cover these amounts, we will charge your payment method on file (debit or credit card, and/or linked bank account) within 14 days. You can find more information about claims, refunds, and returns in the Help Hub.

  • What are payment disputes?

    Buyers may ask their financial institution to open a payment dispute or chargeback request if they believe there is an issue with their order. eBay will provide access to these externally filed requests via the eBay Resolution center. Learn how to handle payment disputes & qualify for seller protections here.

  • How are PayPal Buyer Protection disputes handled on eBay?

    When a buyer initiates a PayPal Buyer Protection dispute or when a buyer initiates a chargeback or other type of dispute with their financial institution, eBay creates a payment dispute. Between eBay and PayPal, buyers cannot use more than one resolution method to get a refund. If a buyer files a payment dispute with PayPal, eBay immediately closes any eBay Money Back Guarantee claims, open order cancellations, or return requests for the same transaction. If it is with a financial institution, the financial institution decides the final outcome of the payment dispute. Sellers may qualify for protections if they follow the guidelines provided in the Help Hub.



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