date is November 15, 2023 with respect to those Payment Services; if you receive Payment Services from eBay Commerce Australia Pty Ltd., the effective date is November 30, 2023 with respect to those Payment Services; and if you receive Payment Services from eBay S.à r.l. or eBay
Commerce UK Ltd., the effective date is January 1, 2024, with respect to those Payment Services.
I. GENERAL PAYMENTS TERMS
1. About Payments on the eBay Services
You agree to have the eBay Payment Entities receive or execute payments on your behalf in relation to your use of the eBay Services, and manage settlement of related payments to you (referred to as “Managed Payments,” “Payment Services,” or similar names).
Buyers may pay for your items using payment methods such as the following, the availability of which may vary:
- Certain credit or debit cards (VISA, MasterCard, American Express, and Discover),
- Google Pay,
- Apple Pay,
- Direct debit,
- “Pay Later” payment methods, otherwise known in some areas as payment via installments, or “direct debit upon invoice” or “payment upon invoice,” or “Buy Now Pay Later”,
- eBay coupons, gift cards, etc. (if applicable), or
- Funds held in a stored value account issued under eBay's Balance Terms and Conditions (currently only available to selected sellers residing or established in the United States).
We may modify the scope of payment methods available at our sole discretion.
The underlying contract for the buyer’s purchase of “items” (which may refer to goods and/or services) from you is directly concluded between you and the buyer.
After a Managed Payments transaction occurs, you will receive a notification confirming such payment transaction. We will initiate settlement of proceeds received to your Linked Financial Account (as defined below in Part I, Section 4 “Seller Onboarding”). You can
access the status of your Managed Payments transactions, including settlements and other payment information, under the Payments tab in the Seller Hub, which will be available to you when you successfully onboard to Managed Payments. If
a payment is made to you in error, or if you receive funds that you are not otherwise entitled to receive at the time of disbursement, we have the right to recoup such amounts from you.
2. International Sales
Because multiple eBay Payment Entities provide Payment Services, you may receive Payment Services from more than one eBay Payment Entity, as follows:
- If you receive Payment Services from an eBay Payment Entity, such entity is appointed to process transactions and manage the settlement of funds related to your sales.
Each eBay Payment Entity is appointed to manage payments for sales on one or more sites, as set forth in the table below (“Responsible Payment Entity”). The site on which you list your item will determine the Responsible Payment Entity for a given
sale. For example, ECA would be the Responsible Payment Entity if you sell an item that you listed on ebay.com.au.
Your “Payout Entity” is the eBay Payment Entity associated with the country in which you reside or are established as a business. Your Payout Entity is assigned to you as illustrated in the table below, unless you and we otherwise agree. You will
receive all disbursements to your Linked Financial Account from this entity, regardless of where you list your items.
If you sell an item listed on an eBay site whose Responsible Payment Entity is also your Payout Entity, your Payout Entity will process the sale and settle the corresponding funds to your Linked Financial Account. For example, if your Payout Entity is ECCA, your funds awaiting
payout from sales on ebay.ca will be processed and settled to your Linked Financial Account by ECCA.
If you sell an item listed on an eBay site whose Responsible Payment Entity differs from your Payout Entity, the Responsible Payment Entity will process the sale and transfer the corresponding funds to your Payout Entity, which will receive the funds on your behalf and in turn
disburse them to your Linked Financial Account. For example, if your Payout Entity is eCI and you reside in an “Additional Country” (as such term is defined in the chart below), your funds awaiting payout from sales on ebay.de will be managed by eBay Sarl and settled
to eCI. eCI will then disburse the funds to your Linked Financial Account.
The following table illustrates these distinctions:
|eBay Payment Entity
|Responsible Payment Entity for Sales of Items Listed on
|Payout Entity for Sellers Residing or Established in
|Additional Payments Terms
|the United States (all references herein to the “United States” shall include its territories) and all other countries (together, the “Additional Countries”) that are not included among the countries associated with an eBay Payment Entity below
II. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay Commerce Inc.
|All European Economic Area (“EEA”) eBay sites (including ebay.de, ebay.ie, ebay.fr, ebay.it, ebay.es, ebay.at, ebay.nl, ebay.be, befr.ebay.be, benl.ebay.be, ebay.pl etc.) and ebay.ch
|EEA countries (except Iceland) or Switzerland
III. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay S.à. r.l.
IV. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay Commerce Canada Ltd.
V. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay Commerce Australia Pty Ltd.
VI. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay Commerce UK Ltd.
If you reside outside the EEA (except Iceland), the United Kingdom, and Switzerland, the performance of any Payment Services provided to you by eBay Sarl and/or ECUK is deemed suspended until an item you listed on a EEA, UK, or Swiss eBay site is sold.
Your “Payout Currency” is the currency that we will use for settling your transaction proceeds to your Linked Financial Account. We will generally determine your Payout Currency as follows, unless you and we agree otherwise:
- If you are a seller residing or established in the United States, your Payout Currency is the US Dollar.
- If you are a seller residing or established in an EEA country (except Iceland), your Payout Currency will be the Euro.
- If you are a seller residing or established in the United Kingdom, Switzerland, Liechtenstein, or Australia, your Payout Currency will be based on your country of residence.
- If you are a seller residing or established in Canada, your Payout Currency will be the Canadian Dollar or, if offered by us and selected by you, the US Dollar.
- If you are a seller residing or established in an Additional Country, then your Payout Currency is the US Dollar, or such other currency as we may offer and you may select as determined by your country of residence.
We may enable further Payout Currencies at our sole discretion in the future. Where offered by us and agreed upon by you and your buyer, your buyer may pay for an item you sell with currency other than your Payout Currency. When this happens, the paid amount will be converted
into your Payout Currency prior to disbursement of the funds to you, using the applicable transaction exchange rate and assessing the currency conversion charge as indicated on our Fee Page described in Section 3 (“Seller Payment Fees”) below. Similarly, your receipt
of eBay Services from Affiliates may cause you to incur fees which are published in a currency other than your Payout Currency; if this happens, we may convert such fees into your Payout Currency in the same manner as described in the prior sentence.
Further, if you live in an Additional Country, the financial institution you opened your Linked Financial Account with may charge you a separate fee for converting your funds from the US Dollar to your local currency.
3. Seller Payment Fees
The fees and expenses which we charge in relation to your use of Managed Payments are, unless otherwise communicated to you, set forth in the applicable fee page linked in the tables below based on the country that you reside or are established in (“Fee Page”). For
instance, if you reside in Australia and do not have an eBay store, clicking on the “Australia” link in the “Sellers in ___ without eBay Stores” column will take you to your applicable Managed Payments fee page; in contrast, if you reside in Australia and
have an eBay store, you should click on the “Australia” link in the “eBay Store Sellers in” column. Such fees and expenses are subject to change, as set forth in the applicable User Agreement. For instance, if the Australian User Agreement is applicable, we
may change our seller fees from time to time in the manner set out in the Australian User Agreement.
In some circumstances, you might be eligible for a credit of certain fees you paid, as described on the
Fee Credits page.
4. Seller Onboarding
onboarding is not immediately confirmed, you will receive notification that you have been approved to receive services once we have reviewed your information.
To use Managed Payments, you must:
Link a financial account, so you may receive settlements of proceeds from Managed Payments to this account (“Linked Financial Account”). If you reside in the United States, Canada, the United Kingdom, or Australia, your Linked Financial Account must
be a bank account based in your country of residence, or such other type of account or instrument (such as a debit card) that we may permit in our discretion. If you reside in a country within the EEA (except Iceland), you may provide a bank account located in any EEA member
state (except Iceland), as your Linked Financial Account. If you reside in Switzerland or
At this time, you may only use our Payment Services to receive disbursements to a Linked Financial Account. You may change your Linked Financial Account at any time as permitted by us. Payouts will be made to your Linked Financial Account subject to (i) your completion of the
Linked Financial Account verification process, and (ii) the completion of our assessment for security and risk purposes and under our anti-money laundering and other legal obligations. Our assessment typically takes up to two (2) days after your completion of the verification
process, or longer if any issues or irregularities arise in which case we will complete our assessment without undue delay. If you reside in an Additional Country and we offer you the option to receive payouts to more than one Linked Financial Account, we will allocate your
payouts among your Linked Financial Accounts in conformity with your instructions. By adding a Linked Financial Account to your eBay account, you represent and warrant that you are the lawful owner of, or have the lawful right to use, any Linked Financial Account you associate
with your account. In certain circumstances, we may permit you to direct payouts to a Linked Financial Account owned or controlled by your legal representative. If you elect to receive payouts to a Linked Financial Account owned or controlled by a legal representative, you
represent and warrant that the legal representative has the authority to receive payouts on your behalf, and you fully release us from any and all liability for losses you may sustain arising from disbursements made by us to the legal representative under these Payments Terms of
Provide us with all information which we may require for purposes that include: verifying your identity, complying with applicable laws and regulations such as anti-money laundering and sanctions screening obligations, allowing us to manage settlements of your transaction
proceeds, and assessing fraud and risk. If you are an individual, this information may include, without limitation, your full name, address, phone number, date of birth, taxpayer identification number, bank account information, and a form of government-issued identification
(e.g., a copy of your identity card or driver’s license). If you are a business, this information may include, without limitation, your full business name, address, phone number, entity type, bank account information, tax identification number, and business number, in
addition to details regarding your beneficial owner(s), director(s), officer(s), authorized representative, legal representative, and/or primary contact, such as name, contact information, nationality, title, and government-issued identification (such as a United States Social
Security Number). You understand that we will be unable to settle your proceeds or issue you any tax documents (such as a United States Internal Revenue Service Form 1099-K) if you do not provide or appropriately update us with accurate contact information and other requested
Provide us with all information necessary to authenticate you or your payment transactions, which may include validation of your phone number or email. You understand that we may be unable to execute certain transactions or complete certain requests without this information.
Maintain in a timely manner the accuracy of the information we have on file, and consent to our periodic updating of such stored information based on information provided by you, your bank, or other payments services providers. You will only provide us information about payment
or settlement methods that you are authorized to use. You understand that if you update information such as your country of residency, you may need to repeat some or all of the onboarding steps described above to continue using Payment Services.
Comply with all, and not cause a third party to violate any, applicable laws, regulations, rules, and terms and conditions in connection with your use of the eBay Services. You will not use Payment Services to move funds associated with gambling. You understand that some third
parties (such as banks, credit and debit card issuers, credit and debit card networks, and payments services providers) may have their own terms and conditions for the payment or settlement methods you or buyers choose to use in connection with payments that we manage, such as
terms and conditions that relate to the settlement of funds, chargebacks, prohibited items, and overdrafts. Failure to abide by third-party terms and conditions may result in fees assessed to you, delays in your receipt of funds, or other actions taken by such third parties. You
agree that we have no control over, or responsibility or liability for, such fees, delays, or actions.
You authorize us and our Affiliates to check information you provide to us, including by verifying the existence of your bank account and obtaining reports from, or comparing your information to, third-party sources. Such third-party sources may include without limitation, banks,
credit agencies, data brokers, and other service providers. We reserve the right to close, suspend, or limit your account or rescind your access to any or all of our services in the event we are unable to obtain or verify any of this information. We are not responsible for any
losses suffered by you as a result of incomplete or inaccurate information you provide.
When you receive notice that a buyer has paid for an item through a Managed Payments transaction, you must then ship or otherwise deliver your item in accordance with the agreed
6. Managed Payments Limitations
Methods”). We do not manage payments for such Offline Payment Methods. Offline Payment Methods are not covered by the eBay Money Back Guarantee or similar eBay buyer protection programs; additionally, we will not assist buyers or sellers with payment disputes (such as
chargebacks) in connection with Offline Payment Methods. Your listings are subject to eBay's payment policies and any other terms about payments that may appear on the eBay Services,
including terms relating to the payment and disbursement methods available to you for such listings.
7. Using Managed Payments
Returns and Cancellations; Refunds
If your buyer is entitled to a refund for a return or cancellation for a Managed Payments transaction, based on an agreement between you and the buyer or according to eBay’s policies regarding such
transaction, you authorize us to pay to the buyer the corresponding refund amount on your behalf.
eBay Buyer Protection Programs
eBay offers buyer protection programs on certain eBay Services to ensure that buyers receive the item they ordered or get their money back. Such programs are referred to as “eBay Buyer Protection Programs,” and known in many jurisdictions as the “eBay Money Back Guarantee” (“eMBG”). You understand that if your buyer successfully files a claim under such program for a Managed Payments transaction, the respective eBay company offering
the eBay Buyer Protection Program (“eMBG Service Provider”) will reimburse the buyer the amount owed on your behalf pursuant to the applicable User Agreement and eMBG policy. According to the applicable
User Agreement and eMBG policy, you must reimburse the eMBG Service Provider for any such amounts.
A buyer (or the owner of a payment instrument) may initiate a chargeback, direct debit reversal, or PayPal buyer protection claim, or otherwise asks their financial institution to open a payment dispute (all referred to solely within this Part I as
“Dispute”) in connection with a Managed Payments transaction. The final outcome of the Dispute will be decided by the buyer’s financial institution.
We will manage Disputes, as follows: When a Dispute is opened, we will notify you and ask you whether you choose to accept or challenge the Dispute. If you accept the Dispute, you agree to the reversal of the payment to the buyer. If you challenge the Dispute, eBay will submit to
the financial institution any relevant evidence you provide about the Dispute. You agree to provide timely information to assist in the Dispute resolution process and understand that your failure to provide requested information on the timeline we require and as specified by
credit and debit card networks' and other payment service providers' rules could adversely impact the outcome of a Dispute investigation, up to complete forfeiture of the amounts in Dispute. If you accept the Dispute or if the buyer’s financial institution decides in favor
of the buyer, the respective amount will be refunded to the buyer's original payment method and charged to us. You must reimburse us for such charges, unless you are eligible for
seller protection in which case you are not held liable for amounts refunded to the buyer. If you choose to accept the Dispute, we may still decide to challenge the Dispute in our
discretion and at no additional costs to you.
Some payment institutions offer an optional arbitration process to contest the results of an individual Dispute. We may ask for your consent to participate in such arbitration process. If you consent to chargeback arbitration, you authorize us to represent and defend you
throughout the arbitration. You will be responsible for all costs and expenses (including reasonable legal fees and any arbitration fees assessed by third parties, arising from such arbitration proceedings), as agreed between you and us in each case, and you authorize us to pay
these amounts on your behalf while the arbitration is pending.
You will not contest the resolution of any Dispute that we investigate and/or re-present, nor will you re-open resolved Dispute investigations. If you are a consumer in the EU, UK or Australia, or a Small Business within the definition of Small Business Contract (as defined in
s23 of Schedule 2 – Australian Consumer Law of the Competition and Consumer Act 2010 (Cth)) (“Australian Small Business”) in Australia, your rights to file a complaint or to take legal action in court remain unaffected.
If you have met your eligibility requirements for, and fulfilled all your applicable obligations, under the Seller Protection policy, you will not be held liable for any amounts to be
returned to buyers due to eBay Buyer Protection Program claims, Disputes or unauthorized transactions with eBay spendable funds.
Fines, Penalties and Losses
We are unable to manage payments for prohibited and restricted items. Before listing your item, you must ensure it complies with eBay's rules, applicable laws, and any
additional restrictions imposed by credit card associations, network rules, or third-party payments service providers that we may use.
the User Agreement including without limitation any violation of eBay’s policies; (b) your violation of any law or the rights of a third party; or (c) any transaction processed by us for you for an item or service you listed on eBay (including without limitation the accuracy of
your item description or any claim or dispute arising out of items or services offered or sold by you).
We reserve the right to manage the risks associated with providing you the Payment Services, by placing restrictions on your access to your funds when deemed necessary, as described in further detail below.
You agree that we may place holds on your funds or instruct a payment service provider to hold your funds, prior to disbursement. For the avoidance of doubt, if you receive funds to either a stored value account issued to you under eBay’s Balance Terms and Conditions or to
a payment account, a hold may also be placed on such funds. If a hold is placed on your funds, the amount and status of the hold will be displayed under the Payments tab in the Seller Hub/My eBay. We will notify you through the eBay Message Center and/or by email and, depending
on the reason, may request additional information from you to help resolve the issue. A hold may be placed if we have reason to believe there is an increased risk associated with the provision of our Payment Services or with a certain Managed Payment transaction, for example if
we cannot verify your identity or if your buyer files a dispute. Please see our holds help page for more detail on the hold types and
examples. We take into consideration relevant factors when assessing the risks including selling history, seller performance, returns and cancellations, chargebacks, riskiness of the listing category, transaction value, the ability to make direct debits from your Linked Financial
Account, and the filing of eBay Buyer Protection Program claims. We also may cancel or freeze the settlement of your proceeds as necessary to comply with our legal obligations in connection with fraud prevention, risk management, or regulatory compliance, or, upon lawful request
by our Affiliates, to enable them to comply with legal obligations applicable to them (such as compliance with tax-related obligations from
EU DAC7 legislation). Any hold placed on your funds will be lifted when the issue is resolved.
Unless your payout entity is eBay Sarl or ECUK, we may retain an amount that we reasonably believe may be necessary to pay for any refunds, reimbursements, or other payments associated with returns, Disputes, or other post-transaction activities, when your eBay account is closed.
Unless otherwise required by law, we will settle any unused retained amounts to your Linked Financial Account within 180 days of your eBay account closure.
Your bank’s holds and settlement procedures may at times cause delays in the settlement of funds to your Linked Financial Account, and we do not have control over these delays.
rolling and/or minimum reserves
A rolling reserve is a reserve funded by withholding a set percentage of your transaction proceeds each day for a fixed period to be released to you later at a scheduled time on a rolling basis. For example, we may require a rolling reserve of 10% for a period of 60 days. Under
this requirement, 10% of your transaction proceeds earned on day 1 will be withheld from your payouts and then be released to you on day 61. Subsequently, 10% of your transaction proceeds earned on day 2 will be withheld and then released to you on day 62, and so forth. Rolling
reserves are the most common type of reserve.
A minimum reserve is a requirement to hold a specific amount of money in your reserve. A minimum reserve may be funded by contributing a set percentage of your daily transaction proceeds to the reserve up to the minimum requirement, or by setting-off the entire amount of the
minimum requirement from your pending payouts. For example, if we require a minimum reserve of 500 Euro, the reserve may be funded by contributing 10% of your transaction proceeds to the reserve each day until the amount reaches 500 Euro. Alternatively, if your pending payouts
equal or exceed 500 Euro, the minimum reserve may be funded by setting off the reserve requirement from your pending payouts at one-time in full.
history, (ii) whether the category you are listing in has a higher likelihood of chargebacks or refunds, (iii) whether your eBay account has an elevated number of customer claims or disputes, (iv) your business and/or personal credit history (business sellers may be subject to
credit agency checks), (v) whether you are selling products in advance of availability (pre-selling orders), and (vi) whether you have extended delivery time frames. Depending on your performance and the risk associated with your use of Managed Payments, a reserve may be raised,
lowered, or removed at any time. The amount of each reserve (and any subsequent change) will be reasonably determined based on the seller-specific risk (including the volume of your sales). The amount and status of each reserve will be displayed under the Payments tab in the
Seller Hub/My eBay and we will notify you of any reserves we require of you.
Seller Reserve Terms and Conditions to the extent they apply to you.
If we have acted with reasonable precautions and/or in accordance with our legal obligations, we are not liable for any unauthorized, incorrectly, unexecuted, or delayed payment transactions when such issues were caused by abnormal and unforeseeable circumstances beyond our
8. Security; Third-Party Providers; Data Protection
You acknowledge the importance of the security measures we put in place with regards to Managed Payments, and agree to comply with them. You are responsible for maintaining the security of all passwords, codes, or other login credentials used to access your eBay account and the
related Payment Services and, subject to eBay's seller protection policies, for any transactions made or actions taken using your eBay account.
of such a transaction, we may request written confirmation immediately following the notification. The notification shall be free of charge.
We may use our Affiliates or third-party service providers (for example companies that process payments and disburse settlements, perform risk assessments or compliance checks, verify identity, or validate payment or settlement methods) in different
locations to assist us in providing Managed Payments. Our Affiliates or third-party service providers may further outsource the services to other eBay Affiliates or third-party service providers. In this context we may
transfer your data to such eBay Affiliates or third-party service providers to whom services are outsourced. At times, we may communicate to you through the eBay Affiliate which provides the eBay Services to you. For example, our Affiliate may notify you of a hold or other
restrictions taken on your account. As relating to outsourced services, you hereby explicitly agree to our use of such eBay Affiliates or third-party service providers to assist us in providing Managed Payments and the outsourcing of services in relation thereto (including the
right to sub-outsource), and you accept that the obligation of secrecy does not exist with respect to the related transfer of data (e.g. contact details, account information, sales related information) to such eBay Affiliates and third-party service providers. Our Affiliates and
third-party service providers are either subject by law to a professional secrecy obligation, as provided by the law applicable to the eBay Affiliates or third-party service providers, or will be contractually bound to comply with strict confidentiality rules. Customer data
transferred in accordance with these purposes will only be accessible to a limited number of persons within the relevant eBay Affiliates or third-party service providers, on a need to know basis. Regardless of whether we use eBay Affiliates or third-party service providers, the
to enable your continued use of our Payment Services and the eBay Services. Please view our User Privacy Notice for more information on the collection and processing of personal data, including details on processing purposes and legal bases under applicable data protection laws.
Our performance of Payment Services entails the processing of your buyer’s personal data when a sale happens. With respect to such data processing, you, the Responsible Payment Entity, and the Payout Entity each act as a separate data controller/business under the applicable data
protection laws (which may without limitation include, the General Data Protection Regulation, the California Consumer Privacy Act, or other data protection laws to which you are subject). You agree to: comply with your obligations as a data controller/business pursuant to the
applicable data protection laws, and provide us with all such reasonable cooperation, information, and assistance as necessary for us to meet our requirements as a data controller/business.
9. Collection of Fees and Other Amounts You Owe
You authorize us to collect from you any amounts you owe us, our Affiliates (in particular the Affiliate which provides the eBay Services to you), or third parties who, as separately authorized by you, provide services to you in connection with your use of the eBay Services (such
Owed Amounts typically include the following:
- Amounts as described in “Returns and Cancellations; Refunds”, “Disputes” or “Fines, Penalties and Losses” in Section 7 above;
- Amounts you owe the eMBG Service Provider under the applicable eMBG Policy;
- Taxes or other charges related to your use of our or our Affiliates’ services, if applicable and required by law; and
- Amounts we incorrectly settled to you due to a payment processing error or otherwise (see Section 1 above).
For clarity, your authorization permits us to collect amounts which you already owe to us, our Affiliates or third parties as described above. This authorization does not establish any new claims for payment against you. In some cases, our Affiliates may assign a claim against you
for payment of Owed Amounts payable by you to us.
Collection of the Owed Amounts may be carried out on a one-time, sporadic, or recurring basis by the following means:
- Retaining such amounts from your current or future disbursements relating to any transactions that you may have in connection with any eBay account owned by you;
- Recouping from your Linked Financial Account (and if required, by issuing a direct debit mandate or other similar authorization);
- Recouping from any other payment instrument or payment method you may have authorized or placed on file with us or our Affiliates (for example, to pay for seller fees, shipping labels, or dispute resolution);
- Recouping from your stored value account, if a stored value account has been issued to you;
- Recouping from your payment account, if a payment account has been issued to you (see Part III); and
- Retaining collections agencies or using other collections methods, if the collection by other means has been unsuccessful.
You authorize us to choose the method of collection among those listed above. We generally deduct Owed Amounts from your current or future disbursements we process on your behalf. If a stored value account or payment account has been issued to you, we will deduct the Owed Amounts
from funds held in the relevant stored value account or payment account before disbursing the funds to you. If your disbursements awaiting payout or funds held are not sufficient to cover these amounts, we will charge your Linked Financial Account or another payment method on file.
If you have several payment instruments on file, you may indicate a specific payment instrument as your preferred payment method for collecting Owed Amounts in your eBay account.
You also authorize the Affiliate whom you have entered into the User Agreement with for the provision of eBay Services to charge you for any Owed Amounts on our behalf from any payment method you may have on
file with such Affiliate.
If you provide us with a SEPA/BACS direct debit mandate for debiting Owed Amounts from your bank account, any required advance notice will be given to you at least three days prior to charging your bank account. At any point prior to you explicitly cancelling a SEPA/BACS direct
debit mandate we have obtained from you, we may deduct Owed Amounts based on such mandate. Unless you are a consumer in the EU or UK, you waive, to the extent possible under applicable law, any rights you may have to receive advance notice of any particular preauthorized charge.
If our attempt to recoup an Owed Amount from a payment instrument you have authorized us to use fails as a result of your acts or omissions, we may charge you for the failed attempt as set forth on the Fee Page or as applicable in Parts IV and V below.
All sellers (except consumers in Germany)
we will notify you at least fourteen (14) days prior, or
- if your Payout Entity is eBay Sarl or ECUK, then two (2) months prior;
- if your Payout Entity is ECA, then thirty (30) days prior.
If you are a consumer (i.e., not a business) outside of Germany whose Payout Entity is eBay Sarl or ECUK, you will be deemed to have consented to these changes unless you explicitly reject them before the anticipated effective date. For all other sellers, your continued use of
Managed Payments beyond the effective date of the changes will constitute your acceptance of the changes.
Consumers in Germany
anticipated effective date of such change.
The changes offered to you shall only become effective if you accept them as follows:
- If a proposed change is a material change (as defined below), we will ask for your active consent to such a change.
If a proposed change is not a material change, you will be deemed to have consented to these changes unless you explicitly reject them by notice to us in text form (e.g. via email) before the anticipated effective date. In case of such changes, we will inform you in the notice
with which we offer you the changes about the right of rejection, the period of time and your termination right (see subsection below).
to your disadvantage or would effectively establish an entirely new contract.
A change which is due to a requirement of law, a legally binding court decision or an injunction does not constitute a material change.
Termination right in case of amendments (all sellers)
11. Term, Termination
notice or with immediate effect in the following scenarios:
- We are required to do so by law or a court order,
- A governmental authority requires us to do so to comply with anti-money laundering or counter-terrorism financing obligations,
- We have reasonable grounds to believe you are carrying out a prohibited or illegal activity (including, but not limited to, financial crimes such as fraud, bribery, corruption money laundering, or sanctions violations),
- We are unable to verify your or your business’s identity, or any other information pertaining to you, or
paymentsinfoIE@ebay.ie or ECUK at Paymentsinfouk@ebay.co.uk or by contacting the Customer Service via any of the available
communication methods (e.g. Contact Us form, chat).
If you give notice of termination to one eBay Payment Entity, such notice shall also be deemed as a termination notice to the remaining eBay Payment Entities.
Your use of the eBay Services as a seller requires continued registration for Managed Payments. Should you therefore terminate this agreement, you will not be able to use the eBay Services provided by our Affiliates. Our Affiliates which provide you the eBay Services according to
the User Agreement may terminate the User Agreement pursuant to the termination provisions therein.
Termination of this Agreement shall not affect the rights or liabilities of either party accrued until termination and/or any terms intended (expressly or implicitly) to survive termination, including your obligation to pay amounts owed to us relating to your activities prior to
by law. As of the effective date of the termination, you will not be able to sell any items on eBay Services anymore.
III. ADDITIONAL TERMS FOR SERVICES PROVIDED BY EBAY SARL
In addition to the General Payments Terms above, the following provisions apply with respect to Payment Services you receive from eBay Sarl. Within this section, “we” or “us” refers to eBay Sarl.
1. Payment Service; Disabling Payment Methods
You authorize eBay Sarl to acquire and settle payments that it receives on your behalf. When you sell an item on eBay, you are deemed to be a payee, with eBay Sarl acting as your payment service provider. In a refund, chargeback, or similar scenario, or if you use your funds to
pay, you may be deemed to be a payer, again with eBay Sarl acting as your payment service provider. If eBay Sarl is your Payout Entity, eBay Sarl will open and hold a payment account for you.
The acceptance of a buyer’s payment instrument (for example, their Visa card), once it has been authorized for payment, satisfies the buyer’s payment obligation to you, regardless of whether we actually settle such payment to you. In the event that we do not make any
acts and omissions and you understand that we disclaim any such liability.
We may disable specific payment method(s) available to buyers for all or some of your listings if we reasonably believe the use of such payment methods for your transactions will increase regulatory, financial, or other risk to us. For example, if you would like to offer a
high-priced item with a new eBay account, we may disable such payment methods where the amount is credited with a time delay after the transaction (e.g. direct debit or payment upon invoice). In assessing the risk, we consider relevant factors such as your sales history, service
status, eBay account history, risks associated with certain item categories, transaction value, and number and monetary amounts of eBay Buyer Protection cases. We will re-enable the affected payment method(s) for your listings once the risk no longer exists.
2. Execution of Payment Transactions
When you, as a payee or payer, use Managed Payments, the payment transactions will be executed in accordance with the payment schemes rules and procedures, or as otherwise agreed.
Your payer (for example, the buyer of an item you sell on eBay) must ensure we are provided with the data required for us to execute the payment transaction. If we do not have sufficient data to execute such transaction, we reserve the right to ask your payer’s payment
service provider for the required information.
We require the following information for the execution of a payment transaction:
- Your name,
- Your eBay username,
- The buyer’s name (where applicable),
- The buyer’s eBay username, and any other data about the buyer which the buyer’s payment service provider or we may require (where applicable),
- The currency of the payment transaction (if possible, in abbreviated form),
- The amount of the payment transaction, and
- The beneficiary’s payment details.
We may also require specific information, such as a one-time authorization code sent to your verified phone number or email address, to authenticate a payment transaction (or to allow you to access certain information related to Managed Payments on eBay).
To the extent reasonably possible, we will automatically utilize the information stored in our systems. Where the required information provided by you or your payer is not fully available or is inaccurate, we will not bear any liability for any damage, delay, or other consequence
from the non-execution or defective execution of the relevant payment transaction.
Receipt of Payment Orders
A payment order will be deemed to have been received by us if:
- Carried out by means of a payment card, then in accordance with the card schemes rules; or
- Received by our available electronic communication channels, then on the business day when it is actually received by us.
You may not revoke a payment order after we have received it. However, if we have agreed that a payment order will be executed on a certain future date, the business day prior to this future date will be the latest you can revoke the payment order.
Refusal of Payment Orders
We reserve the right to refuse the execution of a payment order when:
- The payment order information contains factual errors and/or is incomplete;
- There are doubts about the validity of the instruction, or the identity or authority of the person giving the payment order; or
- The payment order, if executed, would lead to a breach of the applicable rules, laws, or regulations.
We may charge a reasonable fee for such a refusal.
You acknowledge that when executing a payment transaction, we may have to disclose information mentioned above and your legal address to the other party’s payment service provider and, where relevant, also to intermediaries involved in the execution of the payment transaction.
You expressly accept and instruct us to disclose such data.
Where you are the payer, the execution of the transaction may depend on us having received the respective amount from you prior to the execution.
3. Settlement of Funds
If we are your Payout Entity, we will initiate settlement of proceeds received to your Linked Financial Account. Your payments will generally be initiated either automatically according to the schedule you have pre-selected or “on demand” based on an individual payment
instruction we receive from you. However, if your payment account is not configured to include a regularly scheduled settlement, we may periodically sweep available funds out of your payment account and send them to your Linked Financial Account.
initiated automatically once a week for all transactions ready for disbursement to you on that day. If you request a payout on demand, a single settlement will be initiated for all transactions ready for disbursement to you on that day. You may be able to choose to have only a
portion of your available transaction proceeds paid out to your Linked Financial Account, leaving the rest in your payment account. We anticipate that your transaction proceeds will be available on your payment account and ready for disbursement approximately one to two business
days after the buyer's completion of the order, although actual availability may vary for individual transactions depending on the buyer’s payment method, and when the payment transaction is received by us. We may diverge from the agreed settlement process as needed for
compliance or risk reasons. The balance on your payment account is not a deposit. You will not receive interest or any other earnings on the money held in your payment account.
If we are unable to settle your proceeds, then, depending on the reason why we are unable to settle your proceeds, we may refund the buyer (e.g., in the event that we cannot process your information due to technical reasons etc.) or otherwise process these funds in accordance with
We will provide you with monthly statements of your transactions free of charge, which can be accessed in the Seller Hub.
4. Liability for Unauthorized Payment Transactions
You will be fully liable for all losses relating to an unauthorized payment transaction if you acted fraudulently with respect to such a payment transaction, or if you failed to fulfill one or more of the obligations under this agreement (such as keeping your credentials safe or
notifying us without undue delay) with intent or gross negligence.
5. Our Liability
We will refund you in full and are liable for losses directly and reasonably foreseeably incurred by an incorrectly or non-executed payment transaction, provided that you have informed us of such transaction without undue delay after becoming aware of the defect and in no event
later than thirteen (13) months after the transaction was executed, unless we failed to make information about the transaction available to you.
We are liable for damages suffered as a result of willful misconduct or gross negligence. In case of minor negligence, we are only liable for (a) damages resulting from injury to life, body, or health; or (b) foreseeable typically occurring damages resulting from the breach of an
essential contractual obligation. Any further liability is excluded.
If you are a business using the Payment Services, unforeseeable damages in accordance with the above include (but are not limited to) loss of goodwill or reputation, direct or indirect loss of profits, loss of data, loss of business and other intangible losses. You also explicitly
agree that as a business you may not benefit from the rights and liability regimes deriving from the legal provisions with regard to payment services (Articles 79(1), 81(3), 86, 88 to 90, 93 and 101 of the Luxembourg Law of 10 November 2009 on payment services) in the event of
non-execution or defective execution of Payment Services under this agreement, meaning we are not liable to you for the losses or damage you may suffer under those provisions.
6. Shipping Labels
If buyers purchase a return shipping label at their own expense on the eBay website, eBay may automatically deduct the label costs from the refund amount a buyer receives from you. If this occurs, you agree (as a debtor to the buyer for the refund) to be delegated as a debtor to
the shipping carrier for the label costs, and authorize us to use the relevant part of the refund amount to pay the shipping carrier on your behalf. You will not bear any additional shipping costs in this event.
On certain European eBay sites, buyers may choose a Klarna Payment Method to pay the purchase price for any item you sell them. You hereby agree to and shall comply with the terms and conditions for Klarna Payment Methods (“Klarna Payment Methods Terms”), which shall
Sveavägen 46, 111 34 Stockholm, Sweden (“Klarna”) based on an assignment-chain via our acquirer, e.g. Adyen N.V. (“Acquirer”). The buyers who use a Klarna Payment Method will make their payments to Klarna, which will forward the payments to eBay Sarl
7.1. Contractual object and scope
7.1.2 Klarna is a payment institution that is constantly supervised and officially licensed by Finansinspektionen, the Swedish Financial Supervisory Authority. Klarna offers payment methods for integration on eBay Services. The payment methods offered by Klarna ("Klarna
Payment Methods") include payment by invoice and payment by installments. Your buyers who purchase items on eBay Services may use the currently available Klarna Payment Methods offered by eBay to settle the purchase price claim.
7.1.3 If your respective buyer chooses one of the Klarna Payment Methods in connection with a sales contract on the eBay Services (“Sales Contract”), eBay Sarl acquires your purchase price claims against your buyers including all ancillary rights and will sell and
assign these to the Acquirer. The Acquirer will then sell and assign the purchased claims to Klarna, who will assume the payment default risk in accordance with the following provisions. This arrangement is further referred to as “Chain Factoring”.
7.2. Integration of the Klarna Terms of Payment and the Klarna Privacy Notice
In case of payment by invoice, you shall conclude with each buyer the Klarna terms for payment by invoice (“Klarna Pay Later Terms”) for the buyer’s use of Klarna
Payment Methods, as available online at https://cdn.klarna.com/1.0/shared/content/legal/terms/27220/de_de/invoice?fee=0. You hereby
agree and accept that the Klarna Pay Later Terms shall become an integral part of each Sales Contract where the buyer uses the Klarna Payment Method payment by invoice. Also, the Klarna Data Privacy Notice (“Klarna-PN”) shall be made available to any buyer using a
Klarna Payment Method. You hereby agree that Klarna has the Klarna Pay Later Terms and the Klarna-PN implemented into the payment check-out of the Klarna Payment Methods and instruct Klarna to have the Klarna Pay Later Terms and the Klarna-PN made available to the buyer on
7.3. Purchase and Assignment of Seller Receivables
7.3.1 You agree that each receivable against your respective buyer in connection with a Sales Contract where your buyer has chosen a Klarna Payment Method and which is nominated in EUR (jointly the “Seller Receivables” and each a “Seller Receivable”)
will automatically be offered to eBay Sarl for purchase after conclusion of each Sales Contract. eBay Sarl will either accept your offer by proceeding with the payment process, or reject your offer. Such offer and acceptance will conclude a purchase agreement between you and
eBay Sarl (“Single Purchase Agreement”) regarding the relevant Seller Receivable which is purchased (the “Purchased Receivable”) in accordance with these Klarna Payment Methods Terms.
7.3.2 You hereby assign, subject to the conclusion of a Single Purchase Agreement, all your current and future Seller Receivables including ancillary rights (such as rights for any securities, transport and deficiency insurance claims, withdrawal or rescission rights, or
other claims against third parties with respect to the relevant Seller Receivable) to eBay Sarl, and eBay Sarl hereby accepts the assignment.
7.3.3 Upon conclusion of a Single Purchase Agreement, you and eBay Sarl reiterate the assignment of the relevant receivable identified through the transaction-ID in the purchase offer whereby the purchase offer constitutes an offer to assign the relevant receivable from you
to eBay Sarl and the acceptance of purchase offer constitutes an acceptance of this offer by eBay Sarl.
7.3.4 In case there is any doubt about the validity of the assignment of the Seller Receivables and this requires any further declaration or action by you, you will execute such declaration or action upon request of eBay Sarl.
7.3.5 You irrevocably authorize eBay Sarl with the power of sub-delegation to notify the relevant buyer regarding the assignment of the Seller Receivable and to exercise non-assignable rights, such as contractual rights, in connection with the Seller Receivables in its own
7.4. Collection Risk/Collection
7.4.1 Except in a case of a Defect Receivable pursuant to section 7.6.1, eBay Sarl bears the risk that the Purchased Receivables are not collectable from the respective buyer in part or in full, in particular caused by the insolvency of the buyer. eBay Sarl will pay the
purchase price (minus the agreed fees and expenses of eBay Sarl) for the relevant Purchased Receivable regardless of whether it chooses to enforce the relevant Purchased Receivable.
7.4.2 The collection and enforcement of the Purchased Receivables is the responsibility of eBay Sarl. eBay Sarl shall bear any and all costs in this regard.
7.4.3 eBay Sarl will transfer the economic risks of the obligations described in section 7.4.1 and 7.4.2 to the Acquirer and consequently to Klarna in accordance with the Chain Factoring as described in section 7.1.3.
7.5 Representations and Warranties
7.5.1 Every time upon entering into a Single Purchase Agreement concerning a Purchased Receivable, you represent and warrant to eBay Sarl that
- the Purchased Receivable is valid, validly assigned to eBay Sarl and enforceable against the buyer;
- you hold free and clear title to, and may freely assign and transfer, the Purchased Receivable, and the Purchased Receivable has not yet been assigned or transferred to third parties; and
you will ship, deliver or provide the respective item(s) to the relevant buyer completely, on time and in accordance with the Sales Contract with the respective buyer in order that the respective buyer is not able to exercise any right or claim of retention, set-off,
supplementary performance, reduction, recession right or damage claims.
7.5.2 Each of these representations and warranties to eBay Sarl with respect to a Single Purchase Agreement will be provided by eBay Sarl to the Acquirer (and by the Acquirer to Klarna) back-to-back in accordance with the Chain Factoring arrangement.
7.6. Assignment of Purchased Receivables back to You/Disputes
7.6.1 If the relevant Purchased Receivable fulfills one of the following criteria (the “Defect Receivable”):
- the buyer reverses the Sales Contract on the basis of a mandatory withdrawal right or a voluntary right of return offered by you;
in case of an eMBG claim or a payment dispute; for example, if the buyer objects to a Purchased Receivable, if - upon request of eBay Sarl - you do not provide valid proof of shipment or delivery or other proper performance to eBay Sarl in accordance with the
Seller Protection Policy;
- you are in breach of a representation and warranty pursuant to section 7.5.1 in respect of the Purchased Receivable;
or in any other case where you give a refund to a buyer for any Purchased Receivable (“Refunded Receivable”), and the Acquirer consequently decides to use its right to assign back the relevant Defect/Refunded Receivable to eBay Sarl, eBay Sarl is entitled to
assign back any Defect/Refunded Receivable to you.
7.6.2 eBay Sarl hereby assigns all current and future Defect/Refunded Receivables to you subject to the condition precedent in section 7.6.3 below and you hereby accept the assignment of all current and future Defect/Refunded Receivables.
7.6.3 The assignment of the relevant Defect/Refunded Receivable above is subject to the condition precedent that eBay Sarl notifies you of the re-assignment (the “Re-Assignment Notice”).
7.6.4 You are obliged to pay back any purchase price which you have received for the Defect/Refunded Receivable from eBay Sarl without undue delay after eBay Sarl has provided the relevant Re-Assignment Notice. eBay Sarl is entitled to set-off this claim which you are obliged
to pay to eBay Sarl with any further payment which eBay Sarl is obliged to pay to you.
7.7. Information and Assistance Obligations/General Provisions
7.7.1 You shall undertake to inform eBay Sarl promptly upon becoming aware of (i) any breach of a representation and warranty according to section 7.5.1 regarding any Purchased Receivable or (ii) any other event that may materially impair or jeopardise the realisation of the
Purchased Receivables or might materially change your solvency or, subject to you becoming aware of it, the probability of payment of the Purchased Receivables by the buyer.
7.7.2 In case you receive any direct payments from a buyer on the Purchased Receivable, you shall reject these received payments and refund the buyer, and notify the payer that payment shall be made to Klarna. You shall notify eBay Sarl of any rejected payments on the
7.7.3 Upon eBay Sarl’s request, you shall promptly hand over to eBay Sarl, the Acquirer, and/or Klarna any information, records and documents which are necessary or expedient for the examination and the enforcement of the Purchased Receivables.
8. Corrective Measures
If we become aware of suspected or actual fraud or other security threats affecting your eBay account, we will notify you by email and provide you with instructions on how to protect such account.
9. Financial Regulations Consent
eBay Sarl will share information you provided to eBay Sarl with our Affiliates or third parties only for the purpose of such Affiliates and third parties assisting us in providing Managed Payments as described in
Part I, Section 8 (Third party Providers), or in accordance with the following consent.
You expressly consent to eBay Sarl sharing your information with our Affiliates or third parties under the conditions and for the purposes as described below. By sharing this information, we and the respective Affiliate will be able to comply with applicable law. This will allow us
and our Affiliates to continue to provide our services to you.
We may share your information with eBay GmbH or the eBay Affiliate which is providing the eBay Services to you according to the User Agreement, to the extent these eBay Affiliates are
required to obtain such information from you under the Digital Services Act (Regulation (EU) 2022/2065 of the European Parliament and of the Council of 19 October 2022 on a Single Market For Digital Services and
amending Directive 2000/31/EC). The Digital Services Act obligates platform operators like eBay to obtain and validate certain information from professional sellers offering goods and services to consumers in the EU. Such information can among others include identification
information about you (including for example a copy of your identification document or an equivalent electronic document), information on your account with us (including information related to your Linked Financial Account), as well as the results of any verification of such
information performed by us.
We may share with eBay GmbH (the entity providing the eBay Services to customers in the EU under the User Agreement) your Linked Financial Account information and the total amounts
paid to you in a given quarter including amounts withheld for fees and taxes, as well as any other information about you to allow eBay GmbH to comply with its obligations under the
EU DAC7 tax directive (Council Directive (EU) 2021/514 of 22 March 2021 amending Directive 2011/16/EU on administrative cooperation in the field of taxation). Under this directive as transposed
into national law, eBay GmbH is required to collect customer information for certain sellers and report this to EU tax authorities.
We may share with eBay Inc. (the entity that facilitates the offer, sale, and purchase of goods and services on the eBay.com e-commerce marketplace) your Linked Financial Account information to enable eBay Inc. to comply with United States federal and state laws that require
online marketplaces to collect and verify certain information regarding high-volume third party sellers of consumer products on such online marketplaces. These laws include the United States INFORM Consumers Act (H.R. 2617 – 117th Congress (2021-2022)) and any such
substantially similar laws as may be adopted in the United States from time to time.
We may, directly or through our Affiliates, disclose account information to intellectual property rights owners on the basis of applicable national law of an EU member state in an out-of-court disclosure process, in the event of an infringement of their intellectual property
rights for which our payment services have been used (including, but not limited to, Art. 19 of the German Trademark Act).
We may disclose to tax authorities in the EU your account information and details on your cross-border payment transactions, as well as any other information required to comply with our obligations under the CESOP Directive (Council Directive (EU) 2020/284 of 18 February 2020
amending Directive 2006/112/EC), as transposed into national law in the EU Member States.
10. General Provisions
Exclusion of Certain Provisions for Non-Consumers
If you are a business which uses the Payment Services, you agree that Articles 79 (1), 81 (3), 86, 88, 89, 90, 93, and 101 and Title III of the Law of 10 November 2009 on payment services shall not apply to your use of the Payment Services.
If you are an individual acting in your own capacity and not on behalf of a business, you may not use the Payment Services to receive or transfer funds on behalf of another natural person or a legal entity.
Any complaints about eBay Sarl or the services it provides should first be addressed to eBay Sarl. You agree that all responses from eBay Sarl relating to such complaints may be sent to you by email.
Should you not be satisfied with eBay Sarl’s responses, you may also escalate your complaint to the CSSF (www.cssf.lu), which is the competent authority to receive out-of-court complaints by customers of payment service providers authorized
in Luxembourg. For further information please refer to our
physical address, calling your phone number, or sending you mobile messages.
Legal notices to eBay Sarl (except for termination notices pursuant to Part I, Section 11) shall be served by mail to the following address: eBay S.à. r.l., 22-24 Boulevard Royal, L-2449 Luxembourg.
Governing Law and Jurisdiction
provisions that are more beneficial for you, such provisions shall apply irrespective of the choice of Luxembourg law.
As a consumer, you may bring any judicial proceedings relating to the General Payments Terms and these Additional Payments Terms for Payment Services provided by eBay Sarl before the competent court of either your place of residence or eBay Sarl's place of business in Luxembourg.
If eBay Sarl wishes to enforce any of its rights against you as a consumer, we may do so only in the courts of the jurisdiction in which you are a resident. If you are acting as a business seller, you agree to submit to the exclusive jurisdiction of the courts of the Grand Duchy