7 min article

Accepted payments policy

Ensuring our members have a safe, simple and easy experience on eBay 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 either PayPal, credit cards, or both. eBay Money Back Guarantee applies only to items paid for with PayPal or credit cards.

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 cheque. 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 cheques.

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

For most categories of listings on eBay.com.au, sellers need to offer at least one of the following safer electronic payment methods:

  • PayPal
  • Credit card processed through the seller's internet merchant account

Note: Only items paid for using one of these two payment methods are eligible for eBay Money Back Guarantee.

In addition to offering at least one of the safer payment methods listed above for most listings, sellers may also offer one or more of the following payment choices:

  • Payment upon pickup (including cash)
    If you offer payment on pickup, you may include this statement in your listing: "Contact me for payment methods to pay on pickup."
  • Bank-to-bank transfer (including by internet banking)
  • Cash on delivery
  • Bank cheques and personal cheques
  • Money orders
Restricted Restricted

Although they may choose to do so, sellers are not required to offer PayPal or merchant credit card facilities for listings in any of the following categories on eBay.com.au:

  • Cars
  • Motorcycles
  • Aircraft
  • Boats
  • Caravans
  • Trailers
  • Trucks (commercials)
  • Services
  • Real Estate
  • Businesses for sale
Not allowed Not allowed
  • Sending cash through the mail
  • Sending cash or money orders through instant, point-to-point cash transfer services (that are not banks) such as Western Union or MoneyGram
  • Paying by "topping off" a seller's prepaid credit or debit card
  • 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 the seller specified in the listing (see also our Payment surcharges policy)
  • 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 crypto-currencies
  • Placing limitations on payment methods you accept. For example: "I accept PayPal but do not accept credit card payments through PayPal" or "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 the listings.


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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