Can eBay Seller Steal Your Credit Card Number?

By Jim Marous 8 Min Read

Can an eBay seller steal your credit card number? You will come across a lot of chatter online about eBay sellers stealing credit card numbers. Fortunately, the claims are incorrect. Some people even advise against using credit cards and suggest PayPal as a safer option. However, eBay sellers do not see your payment method details. They only get confirmation of your payment and your shipping address. eBay sellers do not know if you used a credit card or even see your PayPal email. Online payments, such as those on eBay, are generally safe and secure. I’ve personally been shopping with my credit card on eBay for years and haven’t faced any problems.

Can Sellers on eBay See Your Credit Card Info?

Sellers on eBay will never see your credit card info. eBay keeps your financial data private. If you choose to pay through PayPal or Apple Pay, they will keep your credit card details hidden from eBay itself. Even if you pay directly on eBay, the seller only gets a notification that you’ve paid and that the payment has been approved.

Sharing your credit card information with a seller would be a breach of privacy on eBay’s part. Sellers generally do not have access to buyers’ sensitive details. In fact, they don’t even see the billing address linked to your credit card. Your credit card data is securely stored and is only visible to you or someone with access to your account.

Nevertheless, remember to keep your credit card information safe. If an eBay seller ever asks for your credit card information, decline and report it. All transactions should be done within eBay’s platform to ensure security.

Can an eBay Seller Steal Your Credit Card Number?

No, an eBay seller cannot steal your credit card number. They won’t even see it in the first place unless you share it with them. Thus, eBay does not allow an eBay seller steal your credit card number. That said, using your credit card on eBay is similar in safety to using it elsewhere online.

When you use your credit card, you get more protection than using a debit card without entering a PIN. This is because credit card transactions allow chargebacks while disputing a debit transaction is harder.

If you do not enter a PIN, even with a debit card, it’s processed as a credit transaction. Have you ever seen a prompt asking you to “enter PIN or press OK to bypass”? That indicates the choice between debit and credit. I’d recommend not using the debit option online, or even offline if possible. Credit card is safe on eBay.

An eBay seller won’t see your credit card number, so that’s not the main concern. If you’re still worried, consider using a one-time virtual credit card. provides this service at no cost.

Does eBay Steal Card Info?

No, eBay does not steal card info. Rather, eBay secures your card and won’t share your details with the seller or any other third party. If eBay purchases that you did not make are showing in your bank account, your credit card information has been stolen. The thief is also using it to make purchases on eBay. The solution is to contact your credit card issuer to cancel the account, remove the charges, and provide you with a new credit card.

If I Pay with Credit Card on eBay Am I Protected?

When you pay with a credit card on eBay, you are protected. eBay makes sure that your credit card is not given to the seller. Moreover, you also enjoy a money-back guarantee for many transactions. You can use payment methods such as PayPal, Apple Pay, and Google Pay to add an extra layer of protection to your credit card while shopping on eBay.

Credit cards come with a $0 fraud liability feature, meaning you won’t have to pay for unauthorized charges if someone misuses your card. For added security, consider using virtual credit cards or digital wallets when shopping online. These will hide your actual card details by creating a temporary card number, CVV, and expiration date, reducing the risk of fraud.

Is it Safe to Use Credit Card on eBay?

When you pay on eBay following their guidelines, it is safe to use your credit card on the site. eBay does not disclose your credit card to the seller, instead, they receive money either in their PayPal account or through their online, secure credit card gateway.

You can pay using your credit card on PayPal. If there’s no balance in your PayPal account, you can choose your credit card as the payment method. Simply select the credit card you added to your PayPal account as the source of funds.

Some sellers might have an online credit card gateway for payments. They need two things for this: a merchant credit card account to process payments and an online credit card gateway. Paypal often supports these gateways. When using this method, you’ll be paying directly through the gateway using your credit card.

Never share your credit card details with the seller over the phone. This is against eBay policy, and you could lose the protection offered to buyers by eBay.

How to Use Credit Card on eBay Safely

When shopping online, not just on eBay but anywhere, keep these safety tips in mind:

  1. Always double-check the website’s URL to ensure you’re on the right site.
  2. For a safer internet connection, use a direct wired connection. Avoid public Wi-Fi spots like cafes, as they’re more vulnerable to hacking.
  3. Equip your computer with an anti-virus software. Choose one that offers real-time monitoring to shield you from threats as you surf the web.
  4. Do not allow websites, including eBay, to save your payment information.
  5. When you are done shopping online on eBay, always log out, especially on shared or public computers, to prevent unauthorized purchases on your account.

Consider eBay Payments with PayPal

PayPal is a top choice for safe eBay transactions. It provides added security for buyers. If you use a credit card, regularly review your statements. Ensure you recognize all charges and that the amounts are accurate.

Use the eBay Resolution Center

While eBay won’t allow eBay seller steal your credit card number, if you notice any discrepancy, use the eBay Resolution Center.

  1. Go to the eBay main page.
  2. Hover over Customer Support at the top right.
  3. Select Resolution Center from the dropdown.
  4. Follow the prompts to report your concern.

Remember, eBay’s buyer protection plan can refund purchases of $25 or more if you’ve been defrauded and report it via their Resolution Center.

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Jim Marous is a Top 5 Retail Banking Influencer, Global Speaker, Podcast Host and Co-Publisher at The Financial Brand. I am a co-author here at Finance and Pay, writing on a lot of topics regarding payments, banking software, cards, and investing.
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