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Selecting Payment Methods You’ll Accept

When you're selling, remember that not all payment methods will provide the same level of buyer confidence. It’s important to consider the buyer’s perspective when selecting typical payment options.

Buyers’ questions about payment methods include:

  • Is it traceable and is there proof of payment?

  • Is it fast and convenient?

  • How secure is it?

  • What is the liability coverage in case something goes wrong?

See a comparison of payment methods from a buyer’s perspective.

Tip: Save time specifying payment methods by using eBay Checkout. You can set payment preferences for all of your listings using My eBay.

There are a range of payment methods eBay sellers use. You can offer several other payment options such as Google Pay, Apple Pay, PayPal, debit card or credit card, as well as in addition to PayPal, including payment by cheque, postal order, credit card (if you have your own processing capabilities), or Escrow. You can set most payment preferences using My eBay. For sales where the buyer pays on collection, you may accept cheques and postal orders if necessary, but we don't recommend it as there's a risk that the payment won't clear.

Wire Transfer

Also known as bank transfer, buyers deposit payment directly into the seller's bank account either online or at most banks. eBay recommends using this option as a safe method of payment for domestic transactions.

Cash On Delivery (C.O.D.)

Payment of the item is received at the time of delivery. The buyer can choose to pay by cash, money order, or cheque, depending on what form of payment the delivery service accepts, or if the seller personally delivers the item. This option is also applicable for meetups between buyer and seller.


eBay does not recommend cash or cash wire transfers as a payment method. The lack of transaction protections, and traceability represent major risks with little to no remedy for transaction problems (see Sending Payments: Benefits and Risks).

Other Payment Methods

These include personal cheques, cashier's cheques, and money orders. These methods are traceable to a particular mailing address, but most sellers wait for the funds to clear before they post the item to the buyer. The advantage of these methods is that there is no additional fee to the seller.

Important: You should never accept overpayments from buyers for items where the buyer is asking to be reimbursed for overpayment. These requests could be part of a counterfeit cashier's cheque scheme.

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