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Choosing a payment method (for buyers)

How you pay for an item depends on the payment methods accepted by the seller. Every seller is unique and offers different methods of payment. Read the item description before you bid to find out what methods the seller accepts. Most sellers accept PayPal because it transfers funds immediately and they don’t have to wait for funds to clear before shipping your item.

Clicking the Pay Now button is the fastest way to pay on eBay. Payment method available using the Pay Now button include PayPal . Learn more about how to pay.

When choosing a payment method, look for options that are convenient, secure, and traceable in case of problems. Use the table below to compare payment methods.

Payment Methods

Highlights

PayPal

Send payments instantly and securely to sellers in 190 markets and 19 currencies.

Advantages

  • Accepted globally: Shop on eBay and thousands of online stores worldwide

  • Secure: Your financial information is never shared with sellers

  • Fast: Receive your item faster with immediate payment

  • Convenient: No repeated entry of your card details each time you pay

  • Get peace of mind: PayPal Buyer Protection offered on most eBay sites for qualifying items

Learn more about using PayPal.

Personal or Cashier's Cheques

Advantages

  • Traceable to a particular mailing address.

  • Provides proof of payment.

  • Most banks offer a stop payment service if problems arise before the cheque is cashed.

Disadvantages

  • Sellers must wait for funds to clear.

  • Extremely difficult to recover in cases of fraud.

Money Orders

Advantages

  • Traceable to a particular mailing address.

  • Provides proof of payment.

  • Some services offer the option to stop payment if problems arise before the payment is cashed, but you don't always have this option.

Disadvantages

  • Sellers must wait for funds to clear.

  • Extremely difficult to recover in cases of fraud.

Bank Deposit

Also known as bank or wire transfer

Advantages

  • Payment is sent directly from one recognised bank account to another account.

  • Immediate and convenient.

  • Payment is deposited directly into the seller's account.

Disadvantages

  • Payment is difficult to recover in cases of fraud.

Tip: If you are unsure about using this option, you can request the seller's contact information and verify that it is consistent with the information on the bank account.

Bank Deposit Express

Sellers make their bank account information available to buyers through the listing process. When the listing closes the buyer can immediately view the bank account information and deposit payment.

Advantages

  • Quick and easy payment method for transactions with other people in your country.

  • Deposit directly into the seller's bank account either online or at most banks.

  • Minimal or no bank fees involved.

Disadvantages

  • Payment is difficult to recover or cancel.

Learn more about Bank Deposit Express.

Cash on Delivery (C.O.D.)

Have items delivered to you. The sender will take delivery of your payment and forward the seller the payment by money order or cheque.

Advantage

  • Easy to use

Important: Sellers may not ask or require you to pay by payment methods that aren’t allowed on eBay, for example, cash or instant cash wire transfer services such as Western Union or MoneyGram. For more information on safe payment methods, see our Accepted Payments policy. You are only obligated to pay the seller using one of the payment methods specified in the eBay listing. If the seller wants to change payment methods after the listing has ended, you can insist on paying with one of the methods stated in the listing.

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