eBay is Managing Payments

Managing payments provides an enhanced buying and selling experience on eBay, providing sellers one place to sell and get paid, and buyers more ways to pay.

What does it mean for eBay to Manage Payments?

Managing payments is a big step towards making eBay a simpler, more modern managed marketplace, and we’ve managed billions in payments for over 1 million sellers globally since 2018. We’ll require all sellers to register for eBay to manage their payments in 2021.

Please make sure you are signed up for emails from eBay. When you receive a notification from us, we recommend you register before the deadline to avoid any interruption to your business. This process consists of a few simple steps, and once you have registered we will send you further details about how to prepare your business and take full advantage of our simpler approach to payments.

Benefits for Sellers

Check out the many ways we’re making it easier for you to sell and get paid on eBay:

  1. Simpler to sell: Checkout is more flexible, with an easier experience for buyers. Buyers will have access to new ways to pay, including credit, debit and gift cards, Apple Pay, Google Pay, PayPal and Afterpay.
  2. Simpler to get paid: eBay final value fees netted at time of transaction and the balance automatically paid out directly to your bank account
  3. Simpler to manage: Operations run smoother, with a single source for fees, customised reports, simplified protections and dedicated support
Get help with your Managed Payments Questions

Getting paid on eBay

Learn more about what you need to provide and how the payout process works.

Download our Payouts Infographic

Register now

If you’ve received a notification to register for for eBay to manage your payments, you can register in a few simple steps:

  1. Confirm your account information
  2. Verify your identity
  3. Verify your bank account details

During the registration process you can choose to add any bank account, new or existing. Please ensure that the name, address, and business information on your bank account matches the name and information on your eBay account. Watch a brief video on registering, or learn more on Help Hub.

Once you register, nothing will change until eBay activates your account. We will notify you of your activation date in advance, and will be sharing more information about the change, how it will benefit your business, and how to take full advantage of our new, simpler approach to payments.

Register Now

Fees for Managing Payments

eBay will manage the end-to-end selling experience for sellers who are activated on eBay managed payments. This means you no longer need a third-party payments processor and there is no separate payment processing fee for selling on eBay. For most sellers, this means overall savings.

eBay Stores Selling fees for Managed Payments

Zip Seller Finance

Zip Business gives eBay sellers fast, easy access to loans of  up to $500k:

  1. Unsecured finance up to $500k
  2. Only pay interest on what you use
  3. Apply in 5 minutes
  4. Decisions in 24 hrs

Zip is offering eBay Sellers an exclusive drawdown fee of 0.5% (usually 2 – 3%).  This discount represents a saving of at least $1,500 on a $100k loan.

Learn more

Your Data is Secure

We will update the information in your eBay account with the information you shared during registration. The information allows us to send your payouts and comply with applicable laws, which help keep eBay a trusted marketplace.

Our data security procedures ensure that the information you share with us is safe. We will use and share the information you submit as described in the User Agreement, the Payments Terms of Use and the User Privacy Notice

As an additional security measure, eBay also supports two-factor authentication. We highly recommend sellers leverage this additional layer of security. When two-factor authentication is enabled, sellers must authenticate the login credentials associated with their eBay account via SMS or push notifications if they have the eBay app on their iOS or Android device.


What does it mean when eBay manages payments?

When eBay manages payments, you can sell and get paid in one place, on eBay, and buyers have more ways to pay. You can schedule payouts at a frequency you choose. Regardless of how the buyer pays, payouts are initiated within 2 business days (Monday through Friday, excluding bank holidays) of order confirmation. Instead of managing relationships with both eBay and PayPal, you can access everything you need on eBay: consolidated fees, customised reports, refunds and returns, labels, and better protections.

Is there anything I need to do right now?

When you receive a notification, you will need to register by the communicated deadline. This will ensure your business does not experience any disruptions after the deadline has passed.

Do my eBay account and bank details have to match?

The person or business identified in your eBay seller profile should match the person or business listed as the owner of the bank account you identify when registering to have eBay manage your payments. Make sure that the owner of the bank account matches the name of the seller provided during the registration process. For example, if the business name associated with your bank account is “Joe’s Hobby Shop,” you should use the same business name when you register for managed payments.

I haven't received emails about managed payments?

If you haven’t received a notification yet, you don’t need to take any action at this time. We are notifying sellers whose current use of features and tools is compatible with eBay managing payments. eBay will require all sellers to register for eBay to manage their payments in 2021.

Do I have to sign up with a new payment processor?

No. When eBay manages your payments, the only relationship is with eBay, not with any third-party payment processors. This applies to both buyers and sellers. You just need to add a bank account to receive your payouts, and buyers would pay like they would on any other e-commerce marketplace.

Are there any restrictions on product categories?

eBay sellers that frequently list in restricted categories must complete registration for eBay to manage their payments by their communicated deadline. After completing registration, their eBay selling experience will remain unchanged until their account is activated. eBay only manages payments for sellers when the experience supports the categories that a registered seller frequently lists in. We are working to expand the types of items allowed by sellers when eBay manages payments through 2021.

If I don’t register now, what happens?

eBay will require all sellers to register for eBay to manage their payments in 2021. When you receive a notification, we encourage you to register before the deadline to avoid any business interruption. You can register in a few simple steps, including verifying your business information and providing a bank account. You will be able to track your registration progress on the Payments tab in Seller Hub.

Is my personal and business information protected?

We will use and share the information you submit as described in the Payments Terms of Use. We protect your personal data through technical and organisational security measures to minimise risks associated with data loss, misuse, unauthorised access and unauthorised disclosure and alteration. For example, firewalls and data encryption, physical access restrictions for data centers and authorisation controls for data access.

How is buyer payment information kept secure?

eBay has adopted physical, technical and operational controls to protect cardholder data and comply with the Payment Card Industry Data Security Standards (PCI DSS). We are currently performing PCI level one compliance at the highest form of security in the payment card industry and buyer payments data is not shared with the seller.

What are you going to do with my information?

The information you provide will allow us to send your payouts and comply with Anti-Money Laundering (AML) and know-your-customer obligations, which helps keep eBay a trusted marketplace.

What are my seller fees when eBay manages payment?

eBay charges one updated final value fee when your item sells. The final value fee consists of a category-based percentage of the total amount of the sale, plus a fixed fee per order, with no PayPal fees. Your final value fee will be automatically deducted from your earnings, and the rest paid out to your bank account.

Will I still receive a monthly invoice?

When eBay manages your payments you will receive a monthly invoice in a new format, but depending on your monthly invoice date, you may continue to receive invoices in the old format for the two months after your account is activated. You must still pay any outstanding amounts that are reflected on invoices that you receive during this time. Charges will not be duplicated.

When and how will I receive my payouts?

When eBay manages payments, payouts are sent directly into your bank account. You can choose to schedule these daily as funds are available, or weekly. Regardless of how the buyer pays, payouts are initiated within 2 business days (Monday through Friday, excluding bank holidays) of order confirmation. Once a payout is initiated, funds will be available in your bank account per normal bank processing times, typically within 1-3 business days.

Do I need a bank account to receive payouts?

Yes, payouts are sent directly to your bank account when eBay manages your payments. During the registration process you can choose to add any bank account - whether existing or new.

Why are some of my payouts still going to PayPal?

If a buyer has committed to a listing (i.e. listing has an accepted offer, active bid, or buyer has committed to buy the item) before eBay manages payments on your account, PayPal will process the transaction and you will receive payment for that item in your PayPal account. This is to ensure buyers have a consistent payments experience. Moving forward, sales from your other existing listings or newly-created listings will be paid out directly to your bank account, not your PayPal account.

Can payouts be sent via direct deposit to PayPal?

PayPal direct deposit accounts are not compatible with eBay managing payments at this time. When eBay manages your payments, you must link a bank account (not a PayPal routing number) to receive your payouts. Please make sure you provide only a bank account, where the name, address, and business information (if applicable) on the bank account matches the name and information provided to eBay.

What payment methods are supported?

When eBay manages payments, buyers can pay using credit, debit, and gift cards, Apple Pay, Google Pay, PayPal, and Afterpay.

How does the buyer's experience change?

When eBay manages payments, buyers can use a variety of payment methods such as credit, debit, and gift cards, Apple Pay, Google Pay, PayPal, and Afterpay. They can also save and store their card information for future use. Their experience will be similar to that of other online retailers.

Do I need to update my listings after registering?

No. When eBay manages your payments, all of your existing listings will be automatically updated and will reflect the different ways buyers can pay. Please refrain from specifying preferred payment methods in your listings. For more information, see our listing policies. Any listings that violate our listing policies or are in ​restricted categories​​ not supported when eBay manages payments will end upon activation.

Can international buyers purchase from me?

Most non-Australia buyers can shop and pay on eBay.com.au as they do today. If they are buying from participating Australia-based sellers, in most cases, the non-Australia buyer can pay using their locally supported forms of payment.

Will I be able to use third-party integrations?

If you use third-party tools that integrate with eBay APIs to manage your listing, inventory, and order management activities, to reconcile finances, or issue refunds, there should be no change in how you use those tools when eBay manages your payments. Please contact your individual third-party provider regarding questions specific to their service offerings.

Will I need to modify my eBay API integrations?

If you are directly integrated with eBay APIs or MIP, you may need to make updates to get new payments data and functionality. You will need to integrate the Finance API to get payout details. Learn more about the payments API in our developers program portal: https://developer.ebay.com/managed-payments

Can I use PayPal Working Capital (PPWC)?

When eBay manages your payments, your sales activity is no longer visible to PayPal, that means even when PayPal is included as a checkout option, PayPal will no longer be able to see your sales or be able to deduct automatic loan repayments from your eBay sales. PayPal has a number of solutions to help you manage your PayPal Working Capital loan repayment and can also provide information about other financing options. To ensure your obligations are fulfilled, please visit PayPal Working Capital website.

Will I have seller protection?

Yes, as long as your account is in good standing with eBay, you are eligible for seller protection. Seller protection from eBay is designed to help you safeguard your online sales and prevent you from losing money due to chargebacks and eBay Money Back Guarantee claims.

How will claims, refunds and returns work?

When eBay manages payments, you only need to work with eBay for support on claims, refunds and returns. Buyers can submit claims, refund requests and returns through eBay Resolution Centre for most situations. By centralising resolutions, you’ll have greater visibility and be able to manage them more effectively. We will deduct fees, expenses, and charges, resulting from refunds, claims or disputes directly from your earnings or your payment method on file.

What are payment disputes?

Buyers may ask their financial institution to open a payment dispute or chargeback request if they believe there is an issue with their order. eBay will provide access to these externally filed requests via eBay Resolution Centre.

How are PayPal Buyer Protection disputes handled?

A payment dispute is created on eBay when a buyer initiates a PayPal Buyer Protection dispute or when a buyer initiates a chargeback or other type of dispute with their financial institution. Buyers cannot use more than one resolution method to get a refund. If a buyer files a payment dispute with PayPal, any eBay claims, open order cancellations, or return requests for the same transaction are immediately closed.

An important update for Motors Listings

As a part of the transition to eBay managing payments for sellers, there will be changes to the way sellers can list in the Motors category. Until your account is activated for managed payments, all Motors category listings are required to have “Cash on Delivery” as a payment method. Once you are active on the new payments experience, this will be automatically updated to "Cash on Pickup". Any Motors category listing without "Cash on Delivery" selected will be removed to your unsold item folder.