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The Daily Insight Hub

Is it better to use PayPal or debit card on eBay?

Author

Andrew Campbell

Updated on January 28, 2026

Is it cheaper to pay through credit card or PayPal for purchases on eBay? Costs exactly the same either way of payment. If your credit card is linked to your paypal account, then payment by paypal is the preferred payment, as you will have two lines of defence.

Can you use debit card instead of PayPal on eBay?

Using your debit card on eBay allows you to make instant online purchases without needing a credit card or PayPal account. Many high-volume sellers accept debit cards just like credit cards, but you can also use your debit card to pay through PayPal, even if you don’t have a PayPal account.

Why can’t I pay eBay with my debit card?

If you have trouble paying with a credit or debit card, check the following: Your card details are correct. Make sure that all details, such as the card number, expiration date, and CVV code are entered correctly, and check that the name and billing addresses are exactly as they appear on your card statement.

Do I have to have PayPal to buy on eBay?

PayPal is the most common service used to purchase items on eBay, but luckily for those without PayPal accounts, eBay lets users pay through their “guest Checkout” feature using normal credit and debit cards as well. You may, however, come across some sellers who only accept PayPal.

Can you pay cash in hand on eBay?

Buyers can pay with credit card, debit card, Apple Pay, Google Pay, and PayPal when you sell in most eBay categories. Payment on collection, including cash.

Is PayPal the only way to get paid on eBay?

Currently, PayPal is the only option eBay sellers have to receive money from sales unless they get cash in hand, so switching to using bank accounts is a big shake-up – although it’s worth pointing out that buyers can continue to use PayPal and other methods to send payments.

Can you accept credit and debit cards on eBay?

Credit and debit cards are a safe and efficient way to accept payments on eBay. You can choose to accept card payments directly or through PayPal. When selling in most eBay categories, you’re required to accept either PayPal, or credit and debit cards. You can also choose to offer both.

How do you pay for an item on eBay?

You can pay for your items on eBay with Visa, MasterCard, Discover Card, and American Express. Keep in mind that some sellers may not accept all of these. If you have any questions about paying for your items, you can always contact the seller. Select Credit or debit card on the checkout page, and enter your card details.

Can you pay with a debit card on PayPal?

After reading the Credit or Debit Card Usage Agreement, choose Authorise credit card or Authorise debit card. You can pay with a credit or debit card for any item where a seller accepts PayPal. If you’re having trouble paying with a credit or debit card, check the following:

Where do I enter my debit card number on eBay?

Enter your information. You will then be redirected to a screen where you can enter your credit or debit card number. You will also have to enter the billing address, your name, the expiration date, and the card’s security code.