Getting Paid and Managing Your Earnings
What you need to know
How to get paid and make the most of your earnings
When you sell on eBay, you get paid directly to your bank account. Payouts are simple and secure. As a seller, you can streamline operations with access to everything you need all in one place—consolidated fees, customizable reports, refunds and returns, shipping labels, simplified protections, and if applicable, tax documentation (Form 1099Ks). If you use third-party tools that integrate with eBay APIs, you can manage your listings, inventory, and orders, reconcile transactions, and issue refunds.
Here’s everything you need to know about getting paid and managing your earnings so you can sell with confidence on eBay, just like 13 million of your fellow sellers globally.
On this page, you’ll learn:
- How to optimize your payment options on eBay and select the payout schedule that works best for you.
- How eBay protects user data.
- How to get even more out of selling and getting paid on eBay with links to helpful seller resources.
Payouts are simple and streamlined. eBay deducts fees and selling costs related to your sales from your funds prior to payout. Examples of eBay selling fees include but are not limited to final value fees, insertion fees, Promoted Listings, listing upgrades, and Store subscription fees. Learn more about fees on eBay.
You’ll find details of your payouts, including all related fees and selling costs, in the Reports section in Seller Hub or My eBay.
Choose or change your payout schedule
You can choose the payout schedule that makes reconciliation easiest for you. Choosing a longer payout schedule means that more of the earnings that accrue between payouts may be used for expenses such as shipping labels and refunds. You can set your payout schedule weekly to get the most of this feature. If you prefer, you may also choose to have payouts sent daily.
If you choose to receive payouts weekly, payouts of Available funds are sent to your bank on Tuesdays.
Weekly payouts will include the Available funds from sales with confirmed payments through the Sunday prior to your payout date. In the event of a bank holiday, payouts will be made on the following business day.
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, payouts will be made on the following business day.
You can change your Payout schedule on the Payments tab in Seller Hub.
Connect or change your bank account for payouts
When you set up your eBay selling account, you were asked to link a checking account to receive your payouts. If you need to add or change your bank account for any reason, you may update your account information in the Payments tab in Seller Hub. You can use an existing bank account or add a new one. Please ensure that the name, address, and business information (if applicable) on your bank account matches the name and information on your eBay account.
Learn more about how the payout process works.
Paying for shipping labels
eBay sends a message when the buyer has paid and it’s time for you to ship your order. You don’t need to wait to receive your funds in your bank account to ship the item.
Instead, you can use your Processing, Available and On hold funds to purchase shipping labels for the items you sell. If your funds awaiting payout aren’t sufficient to cover the full cost of FedEx or UPS labels, eBay will charge the remaining balance to your on-file payment method, such as a credit card or linked bank account. If you’re purchasing a USPS shipping label, and your funds aren’t sufficient to cover the full cost of the label, you can use PayPal to purchase the label instead.
To purchase labels with your funds awaiting payout, choose Pending payouts under the Select how to pay section in the eBay Labels prompt. You may continue to pay for labels with PayPal, as well.
This allows you to purchase USPS, UPS, and FedEx labels on eBay worry-free. More information about purchasing and using shipping labels is available in the Help Hub.
Reconciling your eBay sales transactions
Get accurate, easy-to-use statements and reports in the Payments tab in Seller Hub, including:
- Financial Statement. Contains an overview and detailed breakdown of your monthly account activity in PDF.
- Transaction report. Contains a detailed breakdown of all your account activity for a specific period of time, including your transaction date, order number, fees, and other information. You can also download a PDF that lists every single transaction and line item for the given time period. This gives you a detailed backup to your bookkeeping software that you can easily store offline.
- Payout report. Contains an overview of your payouts for a specific period of time.
- 1099-K detailed report. Provides a detailed breakdown of all unadjusted gross payment transactions on your 1099-K form. Learn more about your 1099-K form and whether it applies to you.
Learn more about reconciling your finances.
Protecting your data
The information you share with us 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.
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.
Resources to help you get even more out of selling on eBay
We’ve created resources to bring sellers up to speed quickly and efficiently—and to provide easy access to the right tools for success.
Want to boost your sales on eBay? Check out our new eBay Seller School courses to increase your skills as a seller and transform your business on eBay. Seller School courses and videos are free!
Explainer and seller tutorial videos on the eBay for Business YouTube channel
Visit the Getting Paid on eBay playlist to find helpful step-by-step instructional videos with details on how to get paid, reporting and more.
Your fees are netted and deducted directly from your earnings when your item sells.
Learn more about Fees
eBay makes it easy to understand your taxes with detailed reporting available.
Learn more about Taxes
Find additional details about payouts and managing your earnings by visiting Help Hub.
Privacy and Data Security
- 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 Standard (PCI DSS). We’re currently PCI level one compliant, and do not share buyer card data with the seller.
- How do you handle my banking information?
We use the information you provide to send payouts to you and comply with know-your-customer and anti-money laundering (AML) obligations, which helps keep eBay a trusted marketplace. We may verify the information you provide to us by obtaining reports from, or comparing your information to, information from third-party sources. These sources may include banks, credit agencies, data brokers, and other service providers.
- Can I share account access with my employees to help with customer requests?
You can delegate important post-transaction customer service responsibilities to your trusted employees—without worrying about compromising the security of your account. With multi-user account access, you can easily authorize your employees to take on crucial tasks, including managing returns and seller initiated refunds, so you can scale your customer service operation. To authorize your employees now, click here.
- When and how will I receive my payouts?
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.
You will find details of your payouts, including all related fees and expenses, in the Reports section of Seller Hub or My eBay.
- Do I need a bank account to receive payouts?
Yes, payouts are sent directly to your bank account. When you set up your account, you can choose to add a checking account - whether existing or new.
- Can eBay send my payouts via direct deposit to PayPal accounts?
Sellers must link a checking account (not a PayPal routing number) to receive their payouts. Please make sure you provide only a checking account, where the name, address, and business information (if applicable) on the bank account match the name and information provided to eBay.
- Does eBay earn interest on funds before they are paid out to sellers?
eBay does not earn interest on pending payments, payments scheduled for payout, or payments that are in the process of getting paid out.
- How will I get paid out for international sales?
If you offer to ship internationally, your listings may surface in buyer searches on supported international eBay sites. 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. Learn more about international selling on eBay, and the Global Shipping Program.
- What’s the experience like for buyers?
Buyers can use a variety of payment methods such as credit, debit, and gift cards, Apple Pay, Google Pay, PayPal, and PayPal Credit. Buyers can also save and store their card information for future use.
- Can buyers from outside of the United States purchase from me?
Most non-US buyers can shop and pay on eBay.com. In most cases, the non-US buyer can pay using their locally supported forms of payment.
- Where can I find my monthly and annual shipping expenses?
You can view shipping costs for each transaction through the reporting functionality of eBay. The costs are also noted in the downloadable CSV and PDF files. Also see the section above on Paying for Shipping Labels.
- What third-party integrations can I use on eBay?
Visit our third-party tools page to learn about solutions you can use to manage your listing, inventory, and order management activities, to reconcile finances, or issue refunds.
- What bookkeeping software can I use with eBay?
If you use GoDaddy for bookkeeping, you can sync your payments reports from eBay with GoDaddy bookkeeping services.
- Does eBay offer any options for my working capital needs?
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. Financing options include:
- 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.
Learn more about eBay Seller Capital powered by LendingPoint
*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
- Am I eligible for seller protections?
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 do claims, refunds, and returns work?
eBay provides sellers with 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.
Buyers can request refunds by canceling an order, making a return or filing a claim under the eBay Money Back Guarantee. They may also choose to directly file disputes with their financial institution.
You have access and visibility to all refund, claim, and dispute requests in the Payments tab in Seller Hub or Payments section in My eBay. For the majority of refunds, claims, and returns, refunds will be credited to the original payment method the buyer used at time of purchase.
We will deduct fees, and expenses such as those arising 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). 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. Visit our Payment dispute seller protections page for details on how seller protections work and receive guidance on how to respond to a payment dispute, evidence to provide, and when you’ll be protected. You’ll also find more information on eligibility for seller protections in a dispute.
Between eBay and PayPal, buyers cannot use more than one resolution method to get a refund. If a buyer initiates a PayPal Purchase Protection dispute, any eBay Money Back Guarantee claims, open order cancellations, or return requests for the same transaction are immediately closed. If it is with a financial institution, the financial institution decides the final outcome of the payment dispute.