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Choosing a payment method (for buyers)


How you pay for an item depends partly on what payment methods your seller accepts. Read the item description before you bid or buy to find out what your payment options are.

When you're choosing a payment method, look for options that are convenient for you, secure and traceable. Learn more about how to pay on eBay.

Accepted safer electronic payment methods

PayPal, Paymate and merchant credit card are eBay's recommended safer electronic payment methods. All sellers on eBay.com.au are required to offer at least one of these, and most purchases using these methods are covered by eBay Money Back Guarantee*. Payment is fast and easy – just click Pay Now.

PayPal lets you send payments quickly and securely online using a credit card or bank account. Learn more about paying for items with PayPal.

Advantages:
  • Payment is convenient and immediate and convenient. Pay right from the listing page and your payment is deposited directly into the seller's account.

  • Payment is traceable. Track the status of your payment in My eBay or your PayPal account.

  • You don't have to use a credit card. You can transfer money directly from your bank account.

  • If you use a credit card, sellers don't see your card number. It's safely encrypted to minimise risk of unauthorised use.

  • On eligible transactions, eBay Money Back Guarantee covers your purchases for up to the full purchase price of your item, plus original postage charges.*

  • Items paid for with PayPal may be eligible for PayPal Buyer Protection.

Paymate lets you send funds directly to a seller from a credit or debit card. Learn more about paying for items with Paymate.

Advantages:
  • Payment is convenient and immediate. Pay right from the listing page and your payment is deposited directly into the seller's bank account.

  • Payment is traceable. Track the status of your payment in My eBay or your Paymate account.

  • Sellers don't see your card number. It's safely encrypted to minimise risk of unauthorised use.

  • On eligible transactions, eBay Money Back Guarantee covers your purchases for up to the full purchase price of your item, plus original postage charges.*

  • Paymate offers its own Paymate Buyer Protection Program.

When a seller has set up an internet merchant account, you can pay using your credit card.

Advantages:
  • Payment is convenient and immediate. Pay directly from the listing page.

  • Payment is traceable. You can track the status of your payment using My eBay or your credit card account.

  • On eligible transactions, eBay Money Back Guarantee covers your purchases for up to the full purchase price of your item, plus original postage charges.*

  • Credit card companies typically provide some level of identity and purchase protection. Contact your credit card issuer to learn more.

*For full details, terms, conditions and exclusions, see eBay Money Back Guarantee.

Other payment methods

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

Sellers can offer to let you pick up the item and pay for it in person. In certain categories such as Cars, they may offer this as the only option.
You can choose any payment method specified in the listing by the seller, including cheque, money order, cash, PayPal, Paymate or credit card. The types of purchase protection available to you vary by payment method.
Note: Most sellers don't accept cheques or money orders on pick-up, because if they don't clear after the buyer has picked up the item, the seller has fewer options for resolving the problem.

Advantages:
  • You have an opportunity to inspect items in person at the time of payment.

  • You can coordinate a pick-up location and time with the seller that's convenient for you both. (Be sure to document your payment and proof of delivery.)

  • You don't have to pay postage costs, although some sellers have a surcharge for in-person pickup.

Sellers can enter their bank account details when listing the item. After the listing ends, you'll see this information either in checkout (when you click Pay Now) or in an invoice, and you can put the money into the seller's account - either by internet banking transfer, or by making a deposit into their bank account.

Advantages:
  • You can pay quickly and easily online (if you're using internet banking).

  • You get a receipt of your deposit as proof of payment.

After the listing ends, you'll get the seller's payment address either in checkout (when you click Pay Now) or in an invoice, and you can send them a personal cheque, bank cheque or money order to pay for your item. Remember that if you pay by cheque, your seller waits for the funds to clear before sending your item.

Advantages:
  • Cheques and money orders are traceable to a particular mailing address and provide proof of payment. (While fraud is rare, money is difficult to recover when it occurs.)

  • If you run into a problem before the seller cashes your cheque, most banks offer a stop-payment service. Some money order services may also offer this service.

Australia Post holds your item at your nearest post office until you go in and collect it. You can pay by cash or EFTPOS, and they send your payment back to the seller by money order.

Advantages:
  • You don't pay for the item until you pick it up.

  • You get a receipt as proof of your payment.

Payment is held by the escrow service until you receive and approve the item. Escrow.com is the only available escrow service on eBay.

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.

Important: Sellers can't require you to pay using payment methods that we don't allow. If your seller wants to change payment methods after the listing has ended, you can insist on paying with one of the methods specified in the seller's original listing.

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

A message from our lawyers

The PayPal service is provided by PayPal Australia Pty Limited (ABN 93 111 195 389) which holds an Australian Financial Services Licence, number 304962. eBay International AG is an authorised representative number 308318 of PayPal for the purpose of providing information about PayPal. Any information provided is general advice only and does not take into account your objectives, financial situation or needs. You should consider PayPal's Combined Financial Services Guide and Product Disclosure Statement before deciding to sign up for or use the PayPal service.

PayPal Buyer Protection is subject to the terms and conditions in PayPal's User Agreement.

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