Seller Guide

How To Sell On Ebay Without Paypal 2024

Selling eBay items has always been challenging due to the platform’s unique selling environment. You’re investing in another entity (a global giant) to handle your company’s affairs. You rely on them to be truthful, advertise your listings, and, most importantly, pay you.

eBay sellers needed a PayPal account to accept payments for a long time. Many eBay sellers couldn’t sell because they didn’t want to give their details to PayPal. Well, circumstances have changed now!

For the first time, eBay vendors don’t need a PayPal account to sell their goods. New eBay Managed Payments System is required for this process. Without PayPal’s involvement, eBay handles Managed Payments and transfers the funds straight into the seller’s bank account.

But what options do you have now? PayPal is still a viable payment option for eBay buyers and sellers. How do you get paid? Most significantly, are things better and safer?

Selling On eBay With ManagedPayments

PayPal’s expensive service charges and poor dispute resolution have discouraged many eBay sellers from utilising it.

Here’s some good news if you’d rather not utilise PayPal for your eBay transactions: you may do it with the help of eBay Managed Payments.

Read this post to discover how to sell on eBay without using PayPal and discover the benefits of using Managed Payments.

Can You Sell On eBay Without A PayPal Account?

eBay allows selling online without PayPal. After 19 years of working together, eBay and PayPal parted ways in June of 2021, and since then, eBay has paid its sellers using its new Managed Payments system.

Instead of using PayPal, Managed Payments handles all eBay transactions in-house. Compared to PayPal, Managed Payments are far more practical, user-friendly, and accept various payment types.

PayPal is still an option for consumers making purchases; however, merchants can no longer accept payments directly from customers.

In other words, PayPal payments are still accepted, but eBay verifies them and then pays the seller directly through Managed Payments.

How Does eBay’s Managed Payments System Work?

eBay Managed Payments accepts consumer payments and transfers them to your bank account without commission costs.

  • eBay requires a bank account. eBay requires your address and SSN to comply with federal regulations.
  • Managed Payments manages consumer payments after receiving orders.
  • Before depositing the payments, eBay deducts processing and commission costs.

eBay’s Managed Payment System vs PayPal: Which is more secure?

Several vendors are concerned about eBay’s increased data requests. With Managed Payments, eBay needed your bank account and social security number to make payments and withdrawals.

eBay requires your SSN and bank account for deposits (for tax purposes). Sellers who don’t offer both and use eBay’s new payment mechanism will be limited.

PayPal Working Capital With eBay Managed Payments

eBay’s separation from PayPal costs sellers convenient access to PayPal’s Working Capital. In the past, all you had to do to acquire a loan was fill out an application and pick the dollar amount you needed. Your eBay profits would be taken from your total due automatically.

Pros Of Not Having PayPal On eBay

  • Better Handling Of Disputes: PayPal Dispute Resolution is delayed and freezes seller accounts without justification. Since eBay now handles orders end-to-end, it can better handle complaints. eBay keeps detailed records on buyers and sellers to properly handle customer concerns.
  • Lower Fees: PayPal transaction fees added 2.9% to eBay’s final value cost for sellers. For most categories, eBay Managed Payments sellers pay only a listing and final value charge. eBay’s final value fees are still lower than PayPal’s. Managed payments save many eBay merchants 0.55% to 1.5% per order.
  • More Payment Options: Buyers can now pay with credit cards, debit cards, Apple Pay, Google Pay, gift cards, PayPal, and PayPal Credit. Several payment methods make shopping easier. So if you are wondering about “can I buy on eBay without PayPal as a buyer,” these are your options.
  • Simpler Management: Before Managed Payments, sellers needed separate eBay and PayPal accounts. Now eBay simplifies the operations,  receives, processes, and sends funds to your bank account. Managing all payments in one place simplifies eBay store management, payments, refunds, reconciliation, reporting, and support.

Cons Of eBay without PayPal 

·         Slower Payment Processing:  PayPal is well-known for quick payments. Managed Payments take 2–5 working days to deposit funds. While 2 to 5 working days may not seem like much time, some sellers need their funds quickly.

·         No Alternate Payment Option: If you want to sell on eBay, you need to have Managed Payments set up. Unlike PayPal and Google Pay, managed payments cannot be used elsewhere. In addition to Managed Payments, e-commerce store owners must operate their payment processors.


Q1. Do we need PayPal to sell on eBay?

No, it is not mandatory to have a PayPal account for selling on eBay. eBay is now using its own “Managed Payments System,” introduced just last year, rather than PayPal as its primary payment mechanism.

This was a defining moment in eBay’s financial operations, and the separation from PayPal has benefited buyers and sellers. Because of eBay’s cutting-edge method of handling financial transactions, you can confidently list items for sale without a PayPal account.

Q2. How To Pay For eBay shipping fees without PayPal?

Your “pending payouts” balance can be used to cover shipping costs on eBay if you prefer not to use PayPal.

When fulfilling an order, you can utilizing the money you’ve made from sales to cover the cost of sending the package directly to the buyer.

Pending payouts are your net earnings after eBay deducts its final value fee and other selling fees.

After deducting the delivery cost from the amount in “pending payouts“, eBay will transfer the remaining monies to your bank account.

Q3. Can We Use Paypal With eBay Managed Payments?

No, PayPal’s working capital does not work with eBay Managed Payments. PayPal cannot directly reimburse you as eBay no longer owns it.

To compete with PayPal’s Working Capital, eBay developed a lending platform called eBay Seller Capital, supported by the online lender LendingPoint.

“eBay Seller Capital offers 60-month loans up to $500K and $150K working capital with fixed payments.”

Q4. Is it safe to buy on eBay without PayPal?

When making purchases on eBay, using PayPal is recommended due to the added security of buyer protection and dispute resolution services offered by PayPal. 

Q5. Can I Sell On Ebay With Paypal?

The short answer is “yes“, you can use PayPal to sell on eBay. Currently, the majority of eBay purchases are paid for through PayPal. Payments from buyers can be sent directly to your PayPal account once you link your PayPal and eBay accounts.


Many are upset that eBay has cut off access to PayPal. It is hard to start a business on eBay or sell derivative products on the platform without cash flow support and a trusted platform. In contrast, if you often sell on eBay, you’ll get benefit from utilising eBay’s Managed Payments System. Several convenient payment options are available to your customers now, including credit cards, debit cards, Google Pay, Apple Pay, and others.

While PayPal is the most convenient way for buyers to pay for eBay purchases, other methods are available for merchants who would rather not accept PayPal. Still, analyze the benefits and drawbacks of each option and be sure you’re following eBay’s rules and regulations before making a final decision. In this way, you may avoid using PayPal and offer your consumers a great shopping experience on eBay.

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