5 min article

Payments surcharge policy

Listings with hidden or additional fees can undermine trust between buyers and sellers. To make sure eBay is a fair marketplace, we've created a policy to cover surcharges for ordinary forms of payment.

Sellers can't charge any additional fees or charges for using ordinary forms of payment, including credit cards and PayPal. These costs should be included in the price of the item and shouldn't be charged separately.

Frequently Asked Questions

 

Can I charge a buyer more when they pay through PayPal using a credit card?

No, it's against our policy for sellers to charge additional fees for using PayPal or for using a credit card.

What additional charges can I include when selling my item?

You can include reasonable charges for shipping and handling, as well as any currency exchange costs. However, you need to make sure that any charges such as these are clearly stated in your listing.

Read our full policy

Payments surcharge policy overview

Sellers are not allowed to charge eBay buyers an additional fee for using ordinary forms of payment, including credit cards, electronic transfers, and PayPal. These costs should be included in the price of the item and should not be charged separately.

See our accepted payment policy. Wire transfers, checks, and money orders can only be used as payment methods for specific listing categories.

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

You can add a surcharge to the final price of an item in these 2 instances:

  • Shipping and handling: You can add a reasonable handling cost that covers your costs for mailing, packaging, and handling the item. Handling costs can't be listed as a percentage of the final price
  • Accepting a different currency: You can choose to accept payment in a currency other than the currency listed on eBay. If they buyer uses this optional payment method, you can pass along any costs associated with the currency exchange. The costs must be disclosed and agreed to in advance by the buyer
 
Not allowed Not allowed
  • Charging an extra fee to use a credit card instead of a check
  • Charging an extra fee to use PayPal

Some examples

Here are a few examples of payment surcharges that aren't allowed on eBay:

  • "I accept PayPal, but if you're paying by credit or debit card, please add 3% to the final bid price to cover the fees that PayPal charges me."
  • "I accept cash transfers via PayPal. If paying by debit or credit card, buyer is responsible for all fees."
  • "If paying by credit card through PayPal, add 3%."

Why does eBay have this policy?

This policy helps avoid confusion about the full cost of an item. In addition, some forms of payment surcharges (like credit card surcharges), are against the law in many states, including California. Listings with hidden or additional fees can undermine the trust between buyers and sellers.

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