7 min article

Accepted payments policy

Ensuring eBay users have a safe, simple and easy experience is a top priority for us. To help achieve this, we only allow payment methods that are safe, easy to use, and offer strong protections against fraud.

Sellers must specify the payment methods they accept in their listings, so it's clear to buyers how to pay. In most categories, sellers have to accept PayPal, credit cards or debit card processed through the seller's internet merchant account, or both. The eBay Money Back Guarantee applies only to items paid for with PayPal, credit card, debit card or loyalty incentives, such as eBay Bucks.

Frequently Asked Questions


I often have buyers pick up items from my store. Can they pay in cash?

Yes, payment in cash is allowed for payment on pickup, or cash on delivery sales. However, cash isn't a generally accepted payment method on eBay, and cash payments can never be sent through the post.

I'm selling my car, and want to be paid by a bank check. Do I have to accept PayPal or credit cards as payment methods too?

No, in some categories, including most motors categories, real estate, services, and businesses for sale, you don't have to have to accept PayPal or credit cards. You can accept methods such as bank-to-bank transfer, bank or personal checks, or money orders.

Read our full policy

Accepted payments policy overview

Our accepted payments policy gives buyers and sellers on eBay convenient payment options. To help ensure a safe marketplace, as a seller you can only use our approved payment methods. You also must state in your listing which specific payment methods you accept. If you accept a payment method, don't place limitations on what forms of it you accept.

Make sure your listing follows these guidelines. If it doesn't, it may be removed, and you may be subject to a range of other actions, including limits of your buying and selling privileges and suspension of your account.

What are the guidelines?

Allowed Allowed
  • PayPal
  • PayPal Credit
  • Credit card or debit card processed through the seller's Internet merchant account
    Your payment is safe and secure. You can choose to save your card to your eBay account. Remove a saved card any time by going to My eBay > Account > Personal information.
  • Payment upon pickup
    If you offer payment upon pickup, you'll also need to offer one of the approved electronic methods, and may include this statement in your listing: "Contact me for payment methods to pay on pickup."
Restricted Restricted
  • Bank-to-bank transfers (also known as bank wire transfers and bank cash transfers)
  • Checks
  • Money orders
  • Online payment services: Allpay.net, CertaPay, Fiserv, Nochex.com, XOOM

Any payments that occur outside of eBay pages are not allowed, except in certain listing categories. See the full list of categories that allow bank-to-bank transfers, checks, money orders, and the permitted online payment services.

Not allowed Not allowed
  • Sending cash through the mail
  • Sending cash or money orders through instant, point-to-point cash transfer services (that aren't banks) such as Western Union or MoneyGram
  • Mailing checks or money orders (except for items in categories specifically permitted)
  • Paying through bank-to-bank transfers (except for items in categories specifically permitted)
  • Paying by "topping off" a seller's prepaid credit or debit card
  • Paying using online or other payment methods not specifically permitted in this policy
  • Asking buyers to contact you for additional payment methods, or including misleading or unclear payment information
  • Offering a payment method to some buyers and not to others
  • Discouraging buyers from using any payment method you specified in the listing
  • Discouraging buyers from using eBay's accepted payment methods
  • Asking buyers to pay using a method not mentioned in the listing
  • Paying with Virtual or Cryptocurrencies
  • Placing limitations on payment methods you accept. For example:
    • "I accept PayPal but do not accept credit card payments through PayPal"
    • "I only accept PayPal if the bid amount is greater than $15"

These rules apply to all transaction-related correspondence between a seller and buyer, as well as to the listings. In addition, you aren't allowed to make statements such as:

  • "Contact us for payment information."
  • "Contact us for other payment methods."
  • "Contact us for your preferred payment method."
  • "Buyers may request to pay by check or money order."

Categories allowing bank-to-bank transfers, checks, money order and online payment services.

  • Coins & Paper Money > Bullion > Wholesale Bullion
  • Motors > Boats
  • Motors > Cars & Trucks
  • Motors > Cars & Trucks > Collector Cars
  • Motors > Motorcycles
  • Motors > Powersports
  • Motors > Other Vehicles & Trailers
  • Motors > Automotive Tools & Supplies > Air Compressors
  • Motors > Automotive Tools & Supplies > Shop Equipment & Supplies > Brake Lathes
  • Motors > Automotive Tools & Supplies > Shop Equipment & Supplies > Auto Lifts & Frame Machines
  • Motors > Automotive Tools & Supplies > Shop Equipment & Supplies > Other Shop Equipment
  • Motors > Automotive Tools & Supplies > Shop Equipment & Supplies > Paint Booths
  • Motors > Automotive Tools & Supplies > Shop Equipment & Supplies > Tire Changers / Wheel Balancers
  • Motors > Parts & Accessories > Aviation Parts > Engines
  • Motors > Parts & Accessories > Car & Truck Parts > Engines & Components
  • Motors > Parts & Accessories > Motorcycle Parts > Engines & Components
  • Motors > Parts & Accessories > Performance & Racing Parts > Auto Performance Parts > Engine & Components
  • Motors > Parts & Accessories > Salvage Parts Cars
  • Motors > Parts & Accessories > Vintage Car & Truck Parts > Engines & Components
  • Business & Industrial > Construction > Buildings, Modular & Pre-Fab
  • Business & Industrial > Healthcare, Lab & Life Science > Imaging & Aesthetics Equipment
  • Business & Industrial > Heavy Equipment (all subcategories)
  • Business & Industrial > Heavy Equipment Parts & Accessories (all subcategories)
  • Business & Industrial > Manufacturing & Metalworking > Woodworking > Equipment & Machinery
  • Business & Industrial > Industrial Supply & MRO > Cleaning Equipment & Supplies > Sweepers & Scrubbers
  • Business & Industrial > Industrial Supply& MRO > Fork Lifts & Other Lifts
  • Business & Industrial > MRO & Industrial Supply > HVAC > HVAC Units
  • Business & Industrial > Printing & Graphic Arts > Bindery & Finishing Equipment
  • Business & Industrial > Printing & Graphic Arts > Commercial Printing Presses
  • Business & Industrial > Printing & Graphic Arts > Plotters, Wide Format Printing
  • Business & Industrial > Restaurant & Catering > Commercial Kitchen Equipment > Cooking & Warming Equipment > Ovens & Ranges
  • Business & Industrial > Restaurant & Catering > Concession Trailers & Carts > Concession Trailers
  • Business & Industrial > Restaurant & Catering > Refrigeration & Ice Machines
  • Real Estate
  • Everything Else > Adult Only

Why does eBay have this policy?

This policy helps to create a successful shopping and selling experience by encouraging online payment methods that are safe, easy to use, and offer strong protections for members.

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