PayPal
Send funds directly to a seller from a verified bank account or from a credit card |
Advantages:
Payment is deposited directly into the seller's account You can pay directly from the item listing page No requirement that you use your credit card (you can transfer money directly from your bank account) Sellers don't see your credit card number (it is safely encrypted through PayPal's server), which limits the risk of unauthorised use Automatic payment tracking
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Paymate
Send funds directly to a seller from a credit or debit card
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Advantages:
Payment is deposited directly into the seller's bank account You can pay directly from the item listing page Sellers don't see your credit card (it is safely encrypted through Paymate's server), which limits the risk of unauthorised use Automatic payment tracking Paymate offers its own Paymate Buyer Protection Program for payments made to Paymate TrustMark sellers when goods are not received or significantly not as described. Conditions apply
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Credit Card |
Advantages:
Credit card companies typically provide some level of identity and purchase protection. Contact your credit card company to learn more
Disadvantages:
When using your credit card online you may be giving out your private financial details to strangers You will not be eligible for PayPal Buyer Protection unless your Visa/Mastercard transaction is processed by PayPal. Some credit card purchases may be protected by your credit card company but you must go through your credit card company in those cases.
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Pay on pick up |
Advantages:
Immediate, in-person payment to the seller upon pick up of item. Payment methods can include cheques, money orders, cash, PayPal, or credit card* Eligible for eBay Buyer and Seller Protection. Buyers need to pay with an eligible payment method. Cash, cheques and money orders are not covered by eBay Buyer or Seller Protection.
Note: Most sellers don't accept 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. |
Personal Cheques/ Bank Cheques |
Advantages:
Traceable to a particular mailing address Provides proof of payment Most banks offer a stop payment service if problems arise before the cheque is cashed
Disadvantages:
Sellers must wait for funds to clear Extremely difficult to recover in cases of fraud Not eligible for PayPal Buyer Protection.
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Money Orders |
Advantages
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Traceable to a particular mailing address Provides proof of payment Some services offer the option to stop payment if problems arise before the payment is cashed, but you don't always have this option
Disadvantages:
Sellers must wait for funds to clear Extremely difficult to recover in cases of fraud Not eligible for PayPal Buyer Protection.
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Escrow
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Advantages:
Payment is held by the escrow service until you receive and approve the item For eBay transactions, you should only use eBay approved escrow companies: learn more about how escrow works and which sites are eBay approved
Disadvantages:
There have been reports of fraudulent sellers using nonexistent escrow companies. Do your homework before using any escrow service other than eBay's recommended escrow partner Not eligible for PayPal Buyer Protection.
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Bank Deposit |
Advantages:
Buyers deposit payment directly into the seller's bank account either online or at most banks Payment is deposited directly into the seller's account
Disadvantages:ยท
Payment is difficult to recover in cases of fraud Not eligible for PayPal Buyer Protection.
Tip: If you are unsure about using this option, you can request the seller's contact information and verify that it is consistent with the information on the bank account. |
Instant Cash Wire Transfer (such as Western Union & MoneyGram) |
Instant cash wire transfer services are not permitted on eBay.com.au.
If you suspect a seller is trying to commit fraud by insisting on payment through an instant cash wire transfer, please decline to use it and report the seller to eBay.
For more information about payment methods that are not permitted on eBay.com.au, please refer to the Accepted Payments Policy. |
Cash |
eBay doesn't recommend paying with cash. While sellers may offer this option, they cannot require you to pay this way.
If you suspect a seller may be trying to commit fraud by insisting on payment only by cash, please decline to use it and report the seller to eBay.
Disadvantages:
No way to prove payment was made No protection against loss or theft in the mail Not eligible for PayPal Buyer Protection Cash is only accepted with pay on pickup.
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Bank Deposit Express |
Sellers make their bank account information available to buyers through the listing process. When the listing closes the buyer can immediately view the bank account information and deposit payment.
Advantages:
Quick and easy payment method for transactions with other Australians Deposit directly into the seller's bank account either online or at most banks Minimal or no bank fees involved
Disadvantages:
Payment is difficult to recover or cancel Not eligible for PayPal Buyer Protection.
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Cash on Delivery (C.O.D) |
Australia Post will take delivery of your item at your nearest post office and will forward the seller your payment by money order.
Advantages:
Australia Post offers free insurance for C.O.D items valued up to AU$100 and additional insurance can be purchased for C.O.D items valued between AU$100 and AU$5000.
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