Is it Safe to Use Credit Card on eBay?

By Jim Marous 8 Min Read

Is it safe to use credit card on eBay? It is safe but even ‘safe’ is relative. That’s because you have a part to play in safekeeping your credit card, such as not sharing your card details with the seller. Even eBay says, “We’ll secure your card and won’t share your card details with the seller.” You can take their word on this one.

User safety has always been a top priority for popular shopping places like eBay. I have used eBay for years now, as both a buyer and a seller. Thus, I can tell that your credit card on eBay is safe, as long as you follow eBay’s guidelines. eBay generally has zero tolerance for fraud. Moreover, you get a money-back guarantee for many transactions.

How to Pay with Credit Card on eBay

  1. Select credit card on the checkout page.
  2. Enter your card details. eBay ‘promises’ to secure your credit card and will never share your card details with the seller.
  3. If you would like eBay to save your credit card details for your next purchase, select Remember this card for future orders.
  4. Review your order, including your shipping details.
  5. Tap Confirm and pay.

Is it Safe to Use Credit Card on eBay?

Is it Safe to Use Credit Card on eBay

It is safe to use credit card on eBay. Your credit card details are never shared with sellers. Moreover, eBay provides a money-back guarantee for many transactions.

If you do not feel confident using your credit card, you can pay with PayPal, Apple Pay, and Google Pay—these apps offer extra protection for your credit card data.

Moreover, credit cards come with a $0 fraud liability feature, meaning you’re not held accountable for unauthorized charges if your card is compromised. For added security when shopping online, consider virtual credit cards or digital wallets like PayPal to hide your credit card information. I sometimes use Privacy’s virtual card to generate temporary card numbers, CVV, and expiration dates, when buying online—works on eBay too.

What is the Safest Payment Method on eBay?

On eBay, you can use credit cards, debit cards, Apple Pay, Google Pay, and PayPal for payments. These are eBay’s top recommendations. However, the safest payment method on eBay is PayPal. You can link your credit card on PayPal and use that to shop on eBay. Nevertheless, it is safe to use credit card on eBay directly.

Paying cash is not safe unless you are picking up the item in person. Also, cash payment does not come under the protection of the eBay Money Back Guarantee.

eBay has specific guidelines about which payment methods sellers can support. A seller cannot request you as a buyer to use a payment method that eBay doesn’t allow or hasn’t been mentioned in the listing.

Supported Payment Methods at eBay Checkout

  1. PayPal and PayPal Credit
  2. Credit or debit cards
  3. Apple Pay and Google Pay
  4. Spendable funds
  5. Payment upon pickup
  6. Wire transfers facilitated by eBay (only in select categories)
  7. eBay gift cards, vouchers, or eBay Bucks

Payment Options in Some Categories

  1. Bank-to-bank transfers (also known as bank wire transfers and bank cash transfers)
  2. Checks and money orders
  3. Online payment services such as,, CertaPay, Fiserv,, and XOOM

Payment Methods Not Allowed on eBay

  1. Sending cash through the mail
  2. Point-to-point cash transfer services like Western Union or MoneyGram
  3. Any method that hasn’t been included in the listing or isn’t allowed on eBay

Is it Safer to Use PayPal or Credit Card on eBay?

If you are concerned about your credit card information getting to eBay, PayPal is safer to use. eBay won’t compromise your credit card information, however, PayPal is not an option for eBay-managed payments. This often reduces the price for you since the seller incurs fewer fees.

If the seller accepts PayPal, then pay with it. The seller’s fee remains unchanged, but you benefit from three layers of security instead of just two.

What if eBay seller accepts credit cards and not PayPal? It is not safe to transact with such a seller.

When using a credit card, make sure that the seller has a linked PayPal account to their bank. While there might be genuine sellers without PayPal, based on personal experience, you have to be careful.

Is it Better to Use Debit or Credit Card on eBay?

It is better to use credit card on eBay over a debit card. The primary reason is the enhanced safety that credit cards offer against potential fraud. Debit cards, on the other hand, don’t provide the same level of protection, and resolving disputes can be difficult.

Both debit and credit cards rank among the top choices for payments on eBay. Another notable method is ACH payments, which allows direct fund withdrawals from your bank account using your checking account number and bank routing number.

Each payment method, be it debit card, credit card, ACH, cash, or check, has its unique advantages and drawbacks on eBay. Your choice will depend on your specific preferences.

Tips to Shop Safely on eBay

While it is safe to use credit card on eBay, you must not let your guard down. The simple tips below will help you bolster your credit card security while shopping on the eBay marketplace.

Be Careful with Short Listing Durations

A seller looking to quickly scam might use one-day listings to lure in buying. However, there can be genuine reasons for such listings, such as selling tickets for an upcoming event. You just have to follow your instincts and consider the nature of the listing.

Keep Communication on eBay

If a seller requests your personal contact, like email or phone, they might be trying to bypass eBay.

Completing transactions outside eBay is against eBay’s policy. Moreover, you won’t be protected by the eBay Money Back Guarantee.

Discounted or Rare Items

If a seller offers items at unusually low prices or has items that are sold out elsewhere, tread carefully. Remember, if an offer sounds too good, it might be a scam.

Don’t Use an Untraceable Payment Method

Some payment methods, such as overseas wire transfers, prepaid cards, or cryptocurrency, are not allowed on eBay. If a seller insists on such methods, it’s a red flag, and you should report that seller. Stick to eBay’s Accepted payment policy for secure transactions.

Read alsoIs Wish Safe for Credit Cards?

Paying for items with a credit or debit card. eBay

Payment methods policy. eBay

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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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