Payments intermediation

We're simplifying the eBay experience for buyers and sellers.

2018 Summer Seller Update    See What’s New

What is payments intermediation?

In today's ecommerce landscape, shoppers expect to be able to check out and pay on the site where they're shopping. As we intermediate payments, shoppers will be able to complete their purchases all within eBay, streamlining the end-to-end experience for both buyers and sellers.

Payments intermediation means eBay will manage the payments flow in the Marketplace and simplify the payments experience for everyone buying and selling on eBay.

Benefits for sellers

Lower costs and more control

Most sellers can expect a simplified pricing structure and more predictable access to funds, and most can expect their costs of payments processing to be reduced after they transition to eBay's intermediated payments.

A central place to manage their business

eBay is working on solutions to provide sellers with information about their eBay business in one place, including payments information, so sellers can easily track and manage all their transactions and customer interactions on eBay.

Greater buyer reach and improved conversion

By offering buyers more choice in how they pay and expanding payment options into more geographies, we believe sellers will be able to reach more buyers and improve conversion.

Timeline

Sellers do not need to take any action at this time.

The transition to full payments intermediation will be a multi-year journey. We will begin payments intermediation on a small scale starting in the second half of 2018, expanding in 2019. In 2021, we expect to have transitioned a majority of customers to the new payments experience.

To enable intermediated payments for their eBay accounts, sellers should expect to provide eBay with some additional payments-related data and to transition to a new relationship with eBay that includes integrated payments capabilities.

As we make this transition, eBay will work closely with sellers to ensure that the new payment capabilities reflect their needs. We'll continue to share more details about this process and next steps for sellers as payments intermediation moves forward.

Sellers will be required to complete these steps in order to continue selling on eBay, and it is anticipated that this transition for sellers will occur no later than one year after the expiration of the Operating Agreement with PayPal, i.e. by July 2021.

In the meantime, sellers can contact eBay now at paymentsinfo@ebay.com to stay up-to-date on eBay's payments efforts and timing, share feedback, and ask questions.

  • I'm a seller, is there anything I need to do right now?

    No, you do not need to take any action at this time.

  • What does it mean to intermediate payments?

    It means that eBay will manage the payments flow and simplify the end-to-end payments experience for buyers and sellers on the eBay platform.

  • Why have you decided to intermediate payments?

    We believe this is an opportunity to deliver a more seamless experience for both buyers and sellers, while offering a greater choice in payment and payout options.

  • How exactly will payments intermediation improve the customer experience on eBay?

    payments intermediation will allow sellers to have:

    Lower costs and more control

    Most sellers can expect a simplified pricing structure and more predictable access to funds, and most can expect their costs of payments processing to be reduced after they transition to eBay's intermediated payments model.

    A central place to manage their business

    eBay is working on solutions to provide sellers with information about their eBay business in one place, including payments information, so sellers can easily track and manage all their transactions and customer interactions on eBay.

    Greater buyer reach and improved conversion

    By offering buyers more choice in how they pay and expanding payment options into more geographies, we believe sellers will be able to reach more buyers and improve conversion.

    eBay buyers will see:

    More payment options at checkout

    eBay is focused on providing consumers greater choice in payment options at checkout.

    An integrated checkout experience

    eBay will manage the entire checkout experience, delivering a more streamlined experience for consumers.

  • What does this mean for my seller fees?

    Most sellers can expect their payments costs to be reduced after they transition to the eBay intermediated payments model. Sellers will also benefit from a simplified pricing structure and more predictable access to their funds. We will be engaging sellers to understand what they are looking for in this new experience.

  • How will eBay determine which sellers and transactions will have payments intermediated later this year?

    We are in the process of prioritizing sellers to begin transitioning to the features of payments intermediation.

  • Will eBay accept digital currencies, or cryptocurrencies (e.g. Bitcoin, Litecoin, Ripple, Ethereum, etc)?

    eBay does not currently accept cryptocurrencies as a form of payment on the eBay platform. Additionally, Adyen does not currently process cryptocurrencies. That said, we are focused on providing consumers greater choice in payment options at checkout, and we continue to evaluate the most relevant options for all of our customers.

  • How will claims and returns work?

    We continue to evaluate our existing policies to accommodate payments intermediation and any new issues we need to address. We hope that, in the majority of cases of claims, returns and refunds, eBay will be able to continue to follow existing policies.

  • Will we have Seller protection like we do with PayPal?

    We continue to evaluate how our experiences will evolve with payments intermediation and we remain committed to offering a better payments experience. We know that seller protections are important and we plan to include protections similar to what PayPal offers today for our intermediated solution. When eBay begins intermediating payments, buyers will have the same protection that they do today, including both eBay Money Back Guarantee, credit card protections, and PayPal protections.

  • When and how can I get my payments? Where will I go to get paid?

    eBay will display all your proceeds in a central manner. eBay plans to make payouts directly to your bank account where you may access your funds directly. We are exploring the most competitive options available to ensure sellers have access to payouts in as fast a manner as possible. You will get increased visibility to funds availability and should have the option to get paid directly to your bank, regardless of the payment option used by the buyer

  • Do I or my buyers have to sign up for an Adyen account?

    No, you don't have to sign up for an Adyen account. In the new model, transactions will be intermediated by eBay, with the help of strategic payment processing partners (like Adyen). Hence, you won't have to change your eBay account for the intermediary model, rather than having a relationship with both eBay and a payments provider.

  • How will my buyers check out with Adyen as eBay's processor?

    eBay will manage the entire checkout experience, delivering a more streamlined experience for buyers. Buyers will checkout by choosing their payment method, just like other online retailers. Buyers should not see or experience Adyen in checkout.