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Selecting payment methods (for sellers)


Offering your buyers safe and convenient payment choices can help your sale go smoothly, earn you positive Feedback and bring them back for more.

What payment methods can I accept for an item?

You'll be offered payment options when you list your item. Here's a comparison of payment options for most listing types.

Accepted safer electronic payment methods

PayPal and merchant credit card are eBay's accepted safer electronic payment methods. All sellers on eBay.com.au are required to offer at least one of these. Buyers using these payment methods may be covered by eBay Money Back Guarantee. Buyers can pay quickly and easily by clicking Pay Now.

How does it work? When the buyer clicks Pay now, they simply log into their PayPal account and send you the money. They can use a credit or debit card, their bank account, or funds held in their PayPal account balance.
Do I need to register? If you haven't already, you'll need to sign up with PayPal the first time you receive money in order to collect your payment.
Do I pay a fee? There are fees for sellers to receive payments for eBay items. Learn about PayPal fees.
Does the buyer pay a fee? PayPal is usually free for buyers. Learn about PayPal fees.
How soon am I paid? In most cases, almost immediately to your PayPal account.
Is there seller protection? Yes. eBay Money Back Guarantee protects sellers when tracking information shows an item has been delivered, or sellers show an item was properly described.
Is there buyer protection? Yes. eBay Money Back Guarantee covers the purchase price plus original postage if the buyer doesn't receive the item or the item doesn't match the seller's description.
Does this method require eBay checkout? Yes.
Is there help if I have a transaction problem? Yes, we can help. Learn what to do when a buyer doesn't pay.
Note: If you need more information about PayPal, contact PayPal.
How does it work? Sellers can accept credit card payments to their Internet merchant account directly through eBay checkout by providing their payment gateway account information. This is a free service for eBay sellers. Payments are processed online from eBay checkout through the seller's payment gateway. Sellers receive an email telling them they've been paid and they know they can post the item.
Do I need to register? Yes, you need an Internet merchant account with your bank or credit card processing company, and you need a payment gateway account.
Do I pay a fee? eBay checkout does not charge any fees. However, your bank or merchant credit card processor and payment gateway provider may charge you per-transaction fee or other fees, and a percentage of the total amount charged by the buyer.
Depending on your credit card processing agreement and your monthly transaction volume, Internet merchant account fees may be higher than fees for PayPal. If you don't have an Internet merchant credit card account already, take a look at your options before signing up for this service. If you haven't needed a merchant account up to now, you'll probably pay less per transaction by using one of the other payment options.
Does the buyer have to register? No, buyers can use their credit card as they would at any online or offline store.
Does the buyer pay a fee? No.
How soon am I paid? Your merchant account is credited immediately after the buyer's card information is received and processed.
Is there seller protection? Yes. eBay Money Back Guarantee protects sellers when tracking information shows an item has been delivered, or sellers show an item was properly described.
Is there buyer protection? Yes. eBay Money Back Guarantee covers the purchase price plus original postage if the buyer doesn't receive the item or the item doesn't match the seller's description.
Does this method require eBay checkout? Yes.
Is there help if I have a transaction problem? Yes, we can help. Learn what to do when a buyer doesn't pay.

Other payment methods

As long as you offer one of the safer payment methods above, you can also offer these options.

How does it work? Your buyer pays you when they pick up the item.
Do I need to register? No.
Do I pay a fee? No.
Does the buyer have to register? No.
Does the buyer pay a fee? No.
How soon am I paid? Immediately. In-person payment methods can include bank cheques, personal cheques, money orders, cash, PayPal or credit card. In your listing, be clear about which of these payment methods you'll accept.
  • Most sellers don't accept personal cheques or money orders, because if they don't clear after the buyer has picked up the item, the seller has fewer options for resolving the problem. See our Accepted payments policy.

Is there seller protection? Yes. eBay Money Back Guarantee protects sellers when tracking information shows an item has been delivered, or sellers show an item was properly described and the item was purchased with an eligible payment method.
Is there buyer protection? Yes. eBay Money Back Guarantee covers the purchase price plus original postage if the buyer doesn't receive the item or the item doesn't match the seller's description. Buyers need to pay with an eligible payment method. Cash, cheques and money orders are not covered by eBay Money Back Guarantee.
Does this method require eBay checkout? No.
Is there help if I have a transaction problem? Yes, we can help. Learn what to do when a buyer doesn't pay.
How does it work? For bank transfers, enter your bank account information when listing an item. For cheques, money order or COD, enter your payment address in in My eBay. After the listing ends, buyers will see your bank details or payment address when they click Pay Now, or you can send the buyer an invoice with payment instructions.
You can also enter additional payment instructions at the bottom of the listing form; these will appear in your listing.
Do I need to register? It depends on the payment method. For example, you'll need to register with Australia Post to receive cash on delivery.
Do I pay a fee? Check with your payment provider.
Does the buyer have to register? No.
Does the buyer pay a fee? It depends on the payment method. For example, some banks may charge a fee to send a bank transfer, or to issue a bank cheque.
How soon am I paid? Bank transfers normally take 1-2 business days to go through to your account. Cheques and money orders may take longer to clear. And for cash on delivery, the buyer has to pick up the item before the payment is sent to your account.
Is there seller protection? For bank transfers, cheques and money orders, we recommend waiting until the money has cleared into your account before sending the item. For cash on delivery, the package won't be released to the buyer until they have paid.
Is there buyer protection? These payment methods are not covered by eBay Money Back Guarantee.
Does this method require eBay checkout? No.
Is there help if I have a transaction problem? Yes, we can help. Learn what to do when a buyer doesn't pay.

Not recommended

  • eBay does not recommend cash. Sellers may only offer to accept cash on pick-up.

  • Cash wire transfers are not permitted as a payment method on eBay.com.au.

For more information on safe payment methods, see the Accepted payments policy.

Setting up to receive buyers' payments

Enabling eBay checkout

Both of our accepted safer electronic payment methods (PayPal and merchant credit card) require you to use eBay checkout. Your buyer then sees the Pay Now button in their Purchase history, in the listing or in their email notification.

Checkout is set up as a default when you create a seller account. But if you'd rather not use checkout when you list an item, you can disable it.

To be sure checkout is on:
  1. Go to My eBay > Account > Site Preferences.

  2. In the Selling Preferences section, click Show next to Payment from buyers.

  3. Click Edit. You may need to sign in.

  4. On the Payment Preferences page, select Use Checkout.

  5. Click Submit.

To disable checkout:
  1. Go to My eBay > Account > Site Preferences.

  2. Under Selling Preferences, click Show next to Payment from buyers.

  3. Click Edit. You may need to sign in.

  4. Under Checkout Preference, clear the Use Checkout check box.

  5. Click Submit.

Setting up PayPal

Once you've signed up with PayPal and linked it to your eBay account, you'll see it as an option when you create a listing. Buyers can pay you straight away using eBay checkout.

To register with PayPal and link it to your eBay account:
  1. Go to My eBay > Account > PayPal Account.

  2. Click Link My PayPal Account.

  3. Log in to PayPal to finish linking your accounts.

Setting up your merchant credit card account

If you don't already accept credit and debit cards through an internet merchant account, work with your bank or financial provider to get an account set up.

You can accept these types of payments in eBay checkout once you provide us with your payment gateway account information.

To set up your payment gateway on eBay checkout:
  1. Go to My eBay > Account > Site Preferences.

  2. Under Selling Preferences, click Show next to Payment from buyers.

  3. Click Edit. You may need to sign in.

  4. On the Payment Preferences page, select Accept credit or debit card payments to your Internet merchant account.

Next, you'll need to enter your payment gateway information.

Note: If you need help finding any of this information, please contact your payment gateway provider.
To enter your payment gateway information:
  1. Choose your payment gateway provider from the drop-down menu at the top of the page.

  2. Enter your Merchant login (sometimes called "gateway login" or "API login ID"). This is the ID that identifies your account at the gateway for transaction processing.

    Note: This ID is usually different from the user ID you use to log into your gateway's website.

  3. Enter your Password (sometimes called the "password" or "transaction key")

    Note: Usually, this is a password that was generated by the payment gateway for you, not a password that you created.

  4. Depending on the payment gateway you use, you may need to enter a Vendor ID or User ID.

  5. Depending on the payment gateway you use, you may need to enter a Partner ID.

  6. Select the credit cards you'll accept through this payment gateway.

  7. Select your merchant preferences, such as whether you'll require buyer's credit cards to pass Address Verification (AVS) and Card Security Code (CSX/CVV) checks.

  8. Enter the credit card information for a credit card you accept and that's accepted by your gateway.

    Note: Your credit card won't be charged. We use this information to test that everything works correctly.

  9. Review your information and confirm it is correct.

  10. Click the Submit button.

Once you have your payment gateway account information set up with checkout and enabled in your preferences, buyers have the option of paying you online by credit card.

Notes

  • When your Payflow payment gateway account is set up, your payment preferences show up in any new listings you create, but not in any of your existing listings or listing templates. You can update this information by revising your listings.

  • Payflow is governed by PayPal's user agreement and privacy policies.

Setting up other payment methods

To accept bank deposits (including bank transfers via internet banking), enter your bank account details in My eBay or when you list your item.

To enter your bank account details:
  1. Go to My eBay > Account > Site Preferences.

  2. Under Selling Preferences, click Show next to Payment from buyers.

  3. Next to Use Bank Deposit Express, click Edit. You may need to sign in.

  4. Enter your bank account information and any message for the buyer.

  5. Click Submit.

If you want to accept cheques or money orders, ensure your payment address is correct.

To enter or change your payment address:
  1. Go to My eBay > Account > Site Preferences.

  2. Under Selling Preferences, click Show next to Payment from buyers.

  3. Click Edit. You may need to sign in.

  4. On the Payment Preferences page, enter your payment address.

  5. Click Submit.

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If you're looking for more help or have a question to ask, please contact us.

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