Upcoming payment changes.

[prelovedtreasures-3]

I have seen that in a few weeks the funds from sales will sit in eBay account until they get used.

does anyone have more information on this.

I am just trying to understand how this will work and whether the money will still be able to go to my bank account. 

Very much intrigued by this update.

[tommystrezures]

If that's the case then the seller could just lengthen their dispatch time to allow for that. However the choice is there to procure eBay postage so to speak from their "wallet" If a user wanted too. In advance of funds being withdrawn.

its 6 of one and half a dozen of the other!

[*vyolla*]

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@dch2112011 wrote:

You have misread the post,

if a buyer uses funds from their ebay balance rather than a 'card' they will lose the right to make a chargeback  unless ebay update their buyer protection to extend buyer protection to 120 days or similar.

Thus any purchases requiring a reversal of funds beyond 30 days when ebay balance comes into force cannot be instigated through the chargeback system because no card is used - unless you have an explanation as to how you can force ebay to instigate a chargeback on themselves bearing in mind chargebacks do not have any legal standing and are a voluntary code of practice until you get to section 75 values.

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I haven't misread anything.

Again, the link you've posted refers to unauthorised payments made from somebody's eBay balance (i.e. their eBay account has been accessed by somebody else and the funds used).

The clue is in the title of the eBay guidance page - it's called "Unauthorised transactions with your eBay balance"

Of course you can't issue a chargeback if you've paid for an item using your eBay balance - you haven't funded it with your debit or credit card.

If a buyer wants to be covered by their card provider they need to use their card as payment, not their eBay balance. 

Edit to add: This is no different to paying for an online item using your PayPal balance - you'll be covered for 30 days. If you want longer protection via your card provider you wouldn't use the PayPal balance, you'd fund the payment with your debit/credit card you've added to your PayPal acount.

Section 75 is a moot point as it can't be used for an eBay or PayPal purchase unless the payment was funded by PayPal credit. 

[a45heaven]

Im sorry, but does this change have any impact on Business Sellers?

[kempseykate]

It doesn't at the moment.

[a45heaven]

Many Thanks -

'at the moment' - now that fills Business Sellers with glee at what the masters will be inflicting in the future i would imagine!!

[kempseykate]

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@a45heaven wrote:

Many Thanks -

'at the moment' - now that fills Business Sellers with glee at what the masters will be inflicting in the future i would imagine!!

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Indeed! 😄

The idea behind this change seems to be trying to keep private sellers on the site as buyers.  Personally, I wouldn't have thought it would work so well with most  business sellers, as I'm not sure they would want to keep a 'pot' in case they spot something they really must have - and if they did, they would probably want to use a private, not business account. BUT this is ebay, and I don't think any of us can tell how they think! 

[a45heaven]

That's a possibility for the 'New Sellers' , maybe new folks wont know how ebay used to be a functional site, before the deluge of 'Dimprovements' the Design Teams embarked on.

My personal view is that as a buyer, with the failure of the Check Out Improvements restricting combined lots,  and the 4 days and auto cancel orders, ive gone from around $1200 a month ebay purchases down to $200. I obviously feel for the long term sellers ive bought from, but explained my motives, and they tend to agree. 

[dch2112011]

The advice ref unauthorised transactions has been written specifically and linked to the new ebay balance system being introduced on 16th October - the point you have missed is simply ebay identifying a fraud risk to personal sellers once the new system is introduced - in the same way paypal was a risk - this was eliminated by ebay introducing managed payments but seemingly has now been reintroduced.

Making personal sellers aware that if they use the new ebay balance system to purchase on ebay they will lose chargeback protection is wholly pertinent and relevant.

Although ebay hint at protection for the new potential fraud - there are no guidlines - my guess maybe that ebay could argue as they did before - you allowed access to your account - your problem ! The problem they always used to ignore was that access was gained via the ebay 'secure' messaging 

Hopefully they will find a way to stop it but given the new advice it seems that they haven't a solution yet and are unlikely to find one.

ebay at the moment feel that a fraudster would not be able to compromise the payment system by changing bank details but could purchase goods and get them shipped to a non registered address 

[*vyolla*]

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@dch2112011 wrote:

The advice ref unauthorised transactions has been written specifically and linked to the new ebay balance system being introduced on 16th October - the point you have missed is simply ebay identifying a fraud risk to personal sellers once the new system is introduced - in the same way paypal was a risk - this was eliminated by ebay introducing managed payments but seemingly has now been reintroduced.

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Where?

This is the page you linked to,  it's nothing to do with chargebacks, it covers what to do if your eBay account has been compromised and the funds in your eBay balance used:

https://www.ebay.co.uk/help/selling/spending-balance/unauthorized-transactions-with-your-spendable-f...

It starts off with:

If you notice a transaction with your eBay balance that you didn't authorise or don't recognise, we may be able to help resolve the issue.

This is nothing to do with chargebacks.

In order to initiate a chargeback via your card provider you have to use your card to pay with in the first place. 

People are smart enough to realise that they haven't used their debit or credit card to pay for their item, thus can't initiate a chargeback. 

[dch2112011]

I never stated that the potential fraud had anything to do with chargebacks - I am not sure how you surmised I had - given the number of times you and others advise members on these boards to use a chargeback as a solution to problems not covered by the ebay guarantee - it seems plainly obvious that not so many personal shoppers understand it's availability otherwise they would not need to seek help and advice !

Because of the lack of knowledge  it is likely that buyers when caught out will rue the day they used ebay balance with no protection further than 30 days  -

What advice will be given then by you and others - tough you should have known better ? 

It is surely best to make members aware before the event of the potential consequences of losing buyer protection when using the new system to buy on ebay than be able to offer no realistic simple solution after the event.

ebay will have to improve buyer protection for this new system to fully replace card payments which is today's norm. (they have announced new buyer protections in January - we will see if they have the bases covered)

[dch2112011]

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@*vyolla* wrote:

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@dch2112011 wrote:

The advice ref unauthorised transactions has been written specifically and linked to the new ebay balance system being introduced on 16th October - the point you have missed is simply ebay identifying a fraud risk to personal sellers once the new system is introduced - in the same way paypal was a risk - this was eliminated by ebay introducing managed payments but seemingly has now been reintroduced.

Where?

Follow this link scroll to bottom of page which then links to the link provided - just saving you time by originally linking to the pertinent page 

ebay balance 

This then links to the link you seem to object to

https://www.ebay.co.uk/help/selling/spending-balance/unauthorized-transactions-with-your-spendable-f...

[*vyolla*]

Again,  it's nothing to do with chargebacks, it covers what to do if your eBay account has been compromised and the funds in your eBay balance used.

[dch2112011]

You are obsessed with chargebacks being part of the new fraud warning !

Seperate the two statements - fraud potential and lack of chargebacks!

Chargebacks will be eliminated for ebay balance users for purchases - this removes an essential buyer protection for ebay users who currently use card payments as the primary payment method - this is a consequence of using ebay balance to fund purchases as is the potential of the warned fraud -  they are not one and the same thing but they are linked as negative consequences of using ebay balance to purchase on ebay because both represent an increased risk for buyers.

The conclusion is that ebay need to improve buyer protection beyond 30 days to match the current available buyer protections  from payment providers which ebay will become - it is not difficult to get your head round 

[*vyolla*]

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@dch2112011 wrote:

You are obsessed with chargebacks being part of the new fraud warning !

Seperate the two statements - fraud potential and lack of chargebacks!

Chargebacks will be eliminated for ebay balance users for purchases - this removes an essential buyer protection for ebay users who currently use card payments as the primary payment method - this is a consequence of using ebay balance to fund purchases as is the potential of the warned fraud -  they are not one and the same thing but they are linked as negative consequences of using ebay balance to purchase on ebay because both represent an increased risk for buyers.

The conclusion is that ebay need to improve buyer protection beyond 30 days to match the current available buyer protections  from payment providers which ebay will become - it is not difficult to get your head round 

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eBay aren't going to extend their 30 Day Money Back Guarantee for buyers.

So, eBay's Balance will not offer any chargeback protection because neither a debit or credit card has been used to finance it, exactly the same as when buyers used the balance in their PayPal account.

If buyers want to be covered by their card provider they should not use their eBay Balance, but pay with their debit or credit card at eBay checkout.

Then they'll have the extra extended protection that their card provider offers. 

[dch2112011]

Correct, although paypal offered additional protection to ebay's mbg  

It defeats the issue for ebay if buyers twig the loss of protection  and revert to just withdrawing funds and using cards to purchase - 

[*vyolla*]

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@dch2112011 wrote:

Correct, although paypal offered additional protection to ebay's mbg  

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PayPal Buyer Protection changed a while back, it's the same as eBay now - 30 days. 

[sml192]

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@*vyolla* wrote:

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@dch2112011 wrote:

Correct, although paypal offered additional protection to ebay's mbg  

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PayPal Buyer Protection changed a while back, it's the same as eBay now - 30 days. 

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PayPal Buyer Protection is only 30 days for 'Item not as described' disputes.  'Item not received' disputes are still 180 days and other disputes such as 'Unauthorised payment' have different timeframes. 

[dch2112011]

correct but before managed payments which is the context that paypal was mentioned it was different.

Although I believe you are probably correct that buyer protection will remain as it is,  I hope that ebay address some of the issues that occur again and again - such as warranties being offered which are either non existant or void.

Maybe ebay can stop personal sellers from offering warranties and if businesses offer them that ebay can bring in measures to ensure they are genuine and capable of being honoured.

ebay could encourage businesses to conduct themselves  in line with consumer regulations , it would mean getting business sellers to accept responsibility  and act upon the responsibilities rather than act as if their responsibilities start and finish with the mbg.

Like you I doubt it will happen - maybe  one day when ebay have their hand forced by legislation !

[gbur8866]

So does the money STILL go into my bank account after a sale, 🤔 CONFUSED. 

[dch2112011]

No it will go into your ebay account then you can use it to buy on ebay or click to transfer it to your bank account at your convenience -  it means you have to ''request' the transfer of funds from ebay to your bank when you want to  - if you forget or build up funds in the ebay account  every quarter  they will be automatically transferred to your bank account 

No doubt it will get tweaked with time but it should not be difficult to use.