Choose How Buyers Pay You

You can specify how you’d like to be paid when you create a listing, or by creating a payment policy in My eBay. In most categories, you’ll need to accept at least one of our safer electronic payment methods:

  • PayPal
  • Credit Card
  • Bank Transfer

It’s worth taking a moment to review your preferences to make sure everything’s tailored to suit your needs.


All eBay sellers must offer PayPal as a payment option, with the exception of a few categories.

To start, link your PayPal account to your eBay account. If you use different email addresses for PayPal and eBay, make sure you’ve linked the correct account.

When a buyer checks out using PayPal, you’ll receive the money directly to your PayPal account.  In most cases, payment to you is immediate.

Learn more about using PayPal

Save Time
Invoices and paying your fees

Credit Card Payments

The easiest way to accept credit card payments, is through PayPal. As long as you have a PayPal account, you don’t need to do anything. Your buyers don’t necessarily need a PayPal account - they enter their credit card details at checkout, PayPal processes the payment and you receive the money in your PayPal account.

You can also accept direct credit card payments as long as your business can process them. Your buyer will give you their credit card details by phone or email, and you’ll need to process the payment outside of eBay.

Payment on Collection


If your buyer chooses to collect the item from you, they may ask to pay on collection. In this case, you can accept bank or personal cheques, money orders, cash, PayPal, or card payments.

How quickly the money is available to you depends on the payment method. We don't recommend accepting personal cheques or money orders for payment on collection -  if there's a problem, it could be harder to resolve than with other methods.

Item Specifics

Additional Payment Methods

Cheque or Money Order

It’s increasingly uncommon for buyers to pay via cheque or money order. You can still choose to accept these methods, though they may take longer to process.If a buyer pays by cheque or money order, they’ll post it to you as payment after the sale is confirmed. We’ll provide them with your address, and you can also send the buyer an invoice with payment instructions. Once you receive the cheque or postal order, pay it into your bank account, and only post the item once the funds have cleared.

Bank Transfers

If you accept bank transfers, make sure you include your bank account information on your listing. Bank transfers usually take one to two days to clear.

Payment Methods Not Permitted

We don’t permit cash wire transfers (e.g. via Western Union) as a payment method on-site. 

Create a Payment Policy

Save time by adding your preferred postage, payment and returns options to business policies that you can apply to your listings. You can change your Payment from Buyers settings from My eBay > Account > Site Preferences > Payment From Buyers.

Special Instructions

From  My eBay > Account > Site Preferences > Manage Communications with Buyers you can choose to let your buyers provide special instructions when they send payment. For example, they may ask you to address the package to a different person, if it’s a gift.

You can disable this option if you sell lots of items or if you have automated operations and can’t make adjustments to orders before they’re dispatched.