Why can't you pay on eBay with a Russian card? Payment methods for goods that are allowed on eBay. The main disadvantages of payment via PayPal

Some simple ways, how to pay for goods on Ebay without PayPal should be known to all participants in the famous online auction. Since these two companies used to be part of the same Ebay Inc group, some buyers believe that money transfers can only be made through PayPal. At the same time, others do not use convenient ways, which can be used to pay for purchases. Although you can become a buyer of goods on Ebay without registering with PayPal.

Features of the PayPal system

In the fields provided, fill in the card number, expiration date and security code. But on some cards, such as Sberbank's Maestro, this code may not be present. In this case, the field can be left blank.

If you want to save your card details, you must check the “Save information in PayPal” checkbox. The next time you buy a product, you do not need to enter additional card information.
Click the “View and Continue” button.
In the window that opens, you must carefully check the purchase parameters and click the “Confirm order” button.
Click the “Confirm and pay” button.

Important! When paying for goods by card, you should choose the right person who will convert rubles into the currency of the goods. This can be done by a bank or PayPal payment system. The percentage for exchanging money in each case may be different, and in a bank it is usually lower.

Through QIWI, WebMoney, Yandex.Money wallets

In these payment systems, purchases of goods on Ebay can be paid with virtual card or wallet. The payment process from a virtual card will be similar to transferring money from a regular bank card linked to PayPal. When transferring money from a QIWI wallet, you can make transactions without using a credit card. To transfer money to Ebay, you should:

After selecting a product and checking its characteristics, click the “Buy” button.
Specify the QIWI payment system as the payment method.
Indicate the phone number to which the QIWI wallet is linked.
Confirm your consent to the Ebay system's request for access to your wallet. To do this, click on the “Allow” button.
Enter the code from the SMS message in the field provided.

You can also pay for purchases using WebMoney, Yandex.Money. But it is necessary to take into account that when paying for purchases in foreign currency from ruble wallets, the buyer bears the costs of conversion. With low costs for these purposes, the QIWI, WebMoney, Yandex.Money wallet is quite suitable for these purposes. If the costs of currency exchange are too high, you should consider other methods.

In cash

Often Ebay agrees to sell an item when payment is made in cash. This method is used for pickup or delivery of goods by cash on delivery. If you make a purchase this way, you should take shipping costs into account. At long distances it can reach a significant amount. To make a cash payment, a proposal for this must be sent to the seller in the field reserved for messages .

When should you pay?

As a rule, the buyer tries to pay for the purchase immediately, but no later than 2 days after purchasing the item or winning the auction. You can pay by clicking the button pay now in an email about a purchase or in a product listing. The seller will receive the funds and can ship the item immediately. Contact the seller immediately if you have any questions regarding payment for the item.

How to pay for goods?

Which payment method should I choose?

The method of payment for goods depends on the payment parameters proposed by the seller. Before placing a bid, please carefully read the list of accepted payment methods in the item description.

Cash, checks, and other unsecured methods are generally not accepted on eBay (with some exceptions).

All sellers offer at least one approved electronic method payment - PayPal or QIWI Wallet - or accept payments by transferring funds from the buyer's credit card to the seller's credit card account. When do you pay credit card via button pay now, the seller does not see the card number.

To compare payment methods, see Select a payment method (for customers).

If you have any questions about payment, please contact the seller.

How to make a payment online?

By winning a bid or clicking Buy now, you will see a button pay now in the product announcement. You can also pay for the goods using the Pay Now button:

in an email confirmation of purchase from eBay;

on the invoice that will be sent to you on behalf of the seller;

in the product announcement;

in subsection Won V My eBay.

How to pay for goods

Click the button pay now.

Check your delivery address. If necessary, change it by following the link Change delivery address.

View details about your purchase, including shipping and tax information. Check the box next to the names of the products you would like to pay for. Select a shipping method that is convenient for you if the seller offers more than one shipping method. If you are paying with an eGift Certificate, Gift Card, or Coupon, please enter the appropriate redemption code (you will be required to pay via PayPal to redeem the coupon or eBay Gift Card). If you have any questions about the order total, please follow the link Request total price from seller.

Click Continue.

Select a Payment Method.

Confirm the payment. Please check your delivery address, payment method and order details. When you pay via PayPal, you can make a donation to the nonprofit using the Donate link at checkout.

Click Confirm payment. A message will be sent to your email address with a receipt for payment made and an indication of when the goods will be shipped.

What if the seller wants to change payment methods?

Other conditions

If the seller does not use the eBay checkout process, you will receive an invoice or other payment instructions on how to pay.

PayPal and QIWI Wallet may not be accepted for payment for purchases in the eBay sections for car enthusiasts, Real Estate, Business and Industry and payments for production equipment.

Contact the seller immediately if you have any questions regarding payment for the item. The buyer must pay for the item as soon as possible, but no later than 2 days after purchasing it or winning the auction. If you do not pay for the item, the seller may open a non-payment dispute with the Conflict Resolution Center to resolve the issue.

If you do not receive an item or it is not as described, you can open a return or refund request, or leave a non-receipt report through your Purchase History in My eBay.

When should you pay?

How to pay for goods?

Which payment method should I choose?

The method of payment for goods depends on the payment parameters proposed by the seller. Before placing a bid, please carefully read the list of accepted payment methods in the item description.

Cash, checks, and other unsecured methods are generally not accepted on eBay (with some exceptions).

All sellers offer at least one approved electronic payment method - PayPal or QIWI Wallet - or accept payments by transferring funds from the buyer's credit card to the seller's credit card account. When you pay with a credit card using the button pay now, the seller does not see the card number.

To compare payment methods, see Select a payment method (for customers).

If you have any questions about payment, please contact the seller.

How to make a payment online?

By winning a bid or clicking Buy now, you will see a button pay now in the product announcement. You can also pay for the goods using the Pay Now button:

in an email confirmation of purchase from eBay;

on the invoice that will be sent to you on behalf of the seller;

in the product announcement;

in subsection Won V My eBay.

How to pay for goods

Click the button pay now.

Check your delivery address. If necessary, change it by following the link Change delivery address.

Click Continue.

Select a Payment Method.

Confirm the payment. Please check your delivery address, payment method and order details. When you pay via PayPal, you can make a donation to the nonprofit using the Donate link at checkout.

Click Confirm payment. A message will be sent to your email address with a receipt for payment made and an indication of when the goods will be shipped.

What if the seller wants to change payment methods?

Other conditions

If the seller does not use the eBay checkout process, you will receive an invoice or other payment instructions on how to pay.

PayPal and QIWI Wallet may not be accepted for payment for purchases in the eBay sections for car enthusiasts, Real Estate, Business and Industry and payments for production equipment.

If you do not receive an item or it is not as described, you can open a return or refund request, or leave a non-receipt report through your Purchase History in My eBay.

The PayPal electronic payment system is the largest service that allows you to make transactions with dozens of world currencies in more than 200 countries. Using PayPal provides its clients with a huge number of advantages, including simplified payment for purchases on the famous online auction eBay (see). Knowing how to pay on eBay via PayPal will increase your ability to purchase goods from other countries, and you will also be able to trade on this service yourself, making money.

Linking your PayPal account to your eBay account

Answering the question of how to link PayPal to eBay, the instructions include several simple steps:

At this point the binding is complete. And on the page account eBay you will be able to see the details of the PayPal account linked to the auction. Here you can also find the history of all payments made using the PayPal service.

The question of how to verify your PayPal for eBay does not arise for the user of the payment service. The verification completed during the process of linking a card to a PayPal account is sufficient to link the same card to eBay. Because the online auction and the payment system work together.

The method for unlinking eBay from PayPal, if necessary, is as simple as the linking method. The user just needs to log in to eBay, go to the profile and delete information about the payment system wallet. In the future, you can re-link the same electronic account and any other.

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Payment via PayPal on eBay

Now that the account is linked, the user has access to certain features on the service. These include:

purchase of lots;
translations Money;
sale of goods at auction (if you have your own trading platform). However, to start your own business, it is advisable to have not a personal PayPal account, but a corporate one.

The payment process on the auction website for the owner of an electronic wallet linked to the PayPal service is as follows:

The purchase price may be increased if the seller has indicated that the commission is to be paid by the buyer (as set out in payment service default). This point should be discussed with the owner of the goods being sold before making the transaction.

Benefits of use

In addition to simplifying the purchasing process, linking an electronic wallet to an online auction allows you to take advantage of certain discounts. For example, a PayPal promotional code for eBay, which can be entered in a special form by clicking on the green icon during the payment process.

The discount can be not only a percentage, but also a certain amount - for example, $5 or $10.

How about finding a coupon like this? eBay PayPal possible on the Internet on special sites and even in communities social networks. Sometimes they are given out for free to attract visitors to the resource, in other cases you will have to pay for the discount - naturally, if the benefit from it exceeds the costs.

Problems with payment on eBay via PayPal

During the payment process on eBay, the owner of the linked PayPal account may encounter problems. The reasons why messages like “I can’t pay for an item on eBay via PayPal” appear online are usually due to the inaccuracy of the information entered.

The payment will not be processed if you made a mistake when entering your personal information when paying. Payment on eBay via PayPal does not work even if your card is not verified in the electronic payment system. The reason for this may be that the card does not meet the system requirements. For example, for some reason it is not activated or blocked.

Also on eBay it is not possible to pay for a purchase via PayPal if there are insufficient funds in the account. This situation often arises when the size of the commission is not taken into account, the payment of which, according to the seller’s terms, must be paid by the buyer.

Another reason that you cannot pay for a purchase even with a linked card may be the limits that banks set for online payments. Some financial systems generally prohibit the use of their accounts for online payments. You can solve this problem by linking another payment card to your PayPal account.

Many users who are just starting to learn eBay and are about to make their first purchases ask the same question: “ How to pay for goods oneBay? " It’s a logical question, because the auction is foreign, and the methods of paying for your purchases are slightly different from our online stores. Russian and Ukrainian payment systems do not work with eBay, and therefore you need to look for other ways to pay for the goods you like.

Of course, you could not write at all this article, and say that 90% of all payments on eBay go through the PayPal payment system. But there is another 10%, and they cannot be ignored. It often happens that PayPal is not suitable for everyone, because there are problems with depositing and withdrawing money, and then you have to look for alternative ways. Some of them are approved for use on eBay, others are prohibited, others are allowed with reservations, and each auction seller is free to have his own “Payment Acceptance Policy”, choosing the most acceptable methods of payment that is most acceptable for himself.

On the eBay website itself you can find two articles that detail how to pay for purchases and the policy on acceptable payment methods. But there are a few but! Firstly, articles on English language, and for many it will be difficult to translate and understand all the intricacies. Secondly, these articles are primarily aimed at buyers from the United States, and payment methods are described specifically for citizens of the United States of America. Most of them are simply not suitable for the average buyer from the countries of the former USSR. Therefore, we decided to write an article in which we tell you in detail about everything possible ways payment for your purchase on eBay, and the main thing is that these methods can be safely used in Russia, Ukraine, Kazakhstan and other CIS countries.

Please note that we will separately discuss those payment methods that are prohibited on eBay. You may ask: “Why write about something that cannot be used?” Sometimes, either out of ignorance or knowingly, sellers offer to make payment in a non-standard way, and this promises problems for you. To avoid getting into such situations and becoming a victim of scammers, we will warn you about how not to make a payment for an item on eBay.

Payment methods for goods that are allowed on eBay

If you look at it, there are not so many of them, and, basically, most sellers and buyers prefer the PayPal payment system. We have devoted a whole series of articles to this system, and you can start getting acquainted with it by reading the article “”. It is very convenient, has a number of advantages and disadvantages, but also its disadvantages. We'll talk about this in more detail later, but now let's look at other possible methods of paying for goods on eBay.

Credit or debit cards. You can make a payment directly from your card. To do this, you need to enter its number, card expiration date, and verification code. If your bank allows online payments, the payment will go through without any problems. Otherwise, you must remove restrictions on online transactions and try to make the payment again.
Bank transfer. There are certain restrictions and caveats. Not all sellers accept this payment method, but if it is listed, you can safely use it. Just always remember that bank transfers are not instantaneous and can take up to 5-7 business days. All this time, until the money arrives in your account, the seller will not send you the goods.
Personalized commercial checks. For CIS countries, this payment method is not at all common, and a very small number of eBay users use it. First of all, this is due to the fact that personal checks are not often used in settlements, and for us this “business” is incomprehensible and new. But as one of possible options, personal checks can be considered.
Payment in cash upon receipt of goods. This option is also called “cash on delivery”. You do not pay for the goods immediately when ordering, but upon receipt at the office transport company, or at the post office. There are also certain inconveniences here, mainly related to the transfer of money and the percentage of payment for this service.

Payment methods for goods that are prohibited on eBay

Remember these methods and never use them. Even if the seller begs you tearfully, it is better to refuse to cooperate with him than to jeopardize your finances and your reputation on eBay. As a rule, only scammers require these payment methods, and honest sellers use standard, permitted options for receiving money for purchases.

Payment in cash by letter. The seller may ask you to send him an envelope with money, complaining about some temporary problems with receiving electronic payments. This method is prohibited not only on eBay, but also in the rules of many carrier companies or postal services, there is a clause prohibiting the transfer of cash.
Non-bank money transfer systems. These include Western Union, MoneyGram, etc. Although these are world-famous companies that have proven themselves over decades of work in the financial services market, using them to pay for purchases on eBay is prohibited.
Use of prepaid payment cards.
Use of other payment methods that are not listed in this list and are not permitted.

If the seller violates the eBay rules and still requires you to pay in a prohibited way, you must immediately notify the auction administration about this. In this case, the following sanctions may be applied to the seller:

Removing a lot from auction, or deleting an item
Removal of an item from auction, without compensation for eBay commission
Imposing certain restrictions on the account - accepting payments, sending payments, putting goods up for sale or purchasing other lots.
Deprivation of seller status
Complete account blocking without return of proceeds from sales

Next we will look at the benefits in various ways payments, let's talk about them in more detail. I would like to immediately make a reservation that we are analyzing payment methods that are made directly between the buyer and the seller. If you work through, then payment can be accepted in any way. Also, we will not analyze the benefits of this or that payment method, or consider interest rates for transfers, because they change frequently, and by the time you read the article, everything may be different.

PayPal is the most popular payment method for purchases on eBay

Undoubtedly, the most popular and reliable way to pay for your purchases on eBay is through PayPal. According to statistics, more than 90% of all auction payments go through PayPal? Why is this so? What is so attractive about this payment system that millions of users choose PayPal every day to make transactions?

First, in 2002, PayPal was bought out by the corporation that owns eBay. Even then, the founders of the auction understood that rapid development will force them to create their own payment system for the convenience of payments. Why create something, take risks, spend money if there is a ready-made, working option, which PayPal turned out to be.

On this moment Residents of almost all CIS countries can make purchases using PayPal. The only exceptions are Belarus and Moldova. But these are most likely political decisions rather than economic ones.

PayPal works very simply: you register your account in the system for free and use it to send and accept payments. In order to send a payment, it is enough to know the e-mail of the owner of the PayPal account, which is the account identifier in the system. Transfer and crediting of payments is carried out almost instantly. Residents of the former Union have access only to the function of sending payments - they cannot receive funds into their account (with the exception of the Baltic countries, which have access to all functions of the system).

PayPal is not just a payment system that will make your payment convenient and fast, it is a company for which the protection of its users and the security of their accounts comes first. If at an auction you come across a scammer whose payment for the goods was made via PayPal, you can get your money back as soon as possible, without any problems or worries. This system It's called " " and it has a lot of benefits that make people use PayPal.

Key benefits of PayPal:

Each payment is very easy to track. Without any problems you can check the status of the payment, the reliability of the recipient, find out Additional information about the seller thanks to information from PayPal.
Payments go through almost instantly. Even if a technical failure occurs and payment is delayed, the responsive support service will resolve all issues that arise in the shortest possible time.
You, as the sender of money, do not pay any commissions. This is another plus of PayPal. All costs are borne by the person accepting the payment. This way, you won't lose money on shipping every time.
You do not need to top up your PayPal balance in order to make a payment. You're just tying bank card to the calculated PayPal account, and with each payment, the system automatically transfers money from the card to the required account, without charging any commissions.
Every buyer who makes a payment via PayPal has the opportunity to get their money back if they are deceived by the seller. This customer protection system is called Dispute, and every day thousands of PayPal users find justice through dispute resolution.
A seller who wants to return a partial or full purchase amount to a buyer can also do this without any problems and in a matter of seconds. Thus, PayPal is convenient not only for buyers, but also for sellers.
Subject to certain rules, each buyer has the opportunity to obtain insurance from PayPal.

PayPal

But no matter how good PayPal is, this payment system also has a number of disadvantages. Of course, in comparison with the advantages, they fade into the background, but we cannot help but remember them, since we have already decided to analyze all possible ways to pay for a purchase on eBay.

The main drawback is the inability to accept funds into your PayPal account for residents of all countries of the former USSR, especially Russia and the Baltic countries. This creates a number of problems, including the impossibility of withdrawing money from the account, or accepting payment for goods sold. Also, if you win the “Dispute” and the PayPal administration decides to return the funds to your account, then you will receive them not to your PayPal account, but directly to your bank account (if you are not a resident of Russia or the Baltic countries).

Withdrawing funds to a bank account is also available only to residents of Russia and the Baltic countries. Everyone else faces big problems with cashing out or transferring money to bank accounts. We have to look for alternative ways to solve these issues. And it was only in September 2013 that Russians were able to withdraw money from PayPal to their bank account. Before this, we also faced a lot of inconveniences.

Payment cards as a way to pay for goods on eBay

The second payment method after PayPal is direct transfer from your credit or debit card. More than 7% of all payments are made this way. As a rule, buyers who have visited eBay for the first time, or who plan to make several purchases and no longer work with the auction, choose this option. There is no need for any registration, just enter your card details, indicate the security code, and the money is automatically transferred to the seller’s account. There is no need to be afraid, the seller does not see your details and will not be able to use your card in the future. This payment method is reliable and does not involve the disclosure of confidential information.

The main advantages of paying with a payment card:

Payment is easy to track
There is no need for any registration in third-party services. To pay, you only need to have your card in hand and know the secret code
Payment systems Visa and MasterCard provide their clients with the opportunity to return money if it was sent to a fraudster. This procedure is called “chargeback”, and serves as another way to protect yourself from fraudsters on eBay. Of course, the return conditions are individual for each case, and you can find out more about them at the branches of your bank that issued the payment card.

The main disadvantages of payment cards:

The vast majority of sellers on eBay prefer not to work directly with payment cards. Therefore, it is not a fact that you can easily buy the product you like from the right person.
Many banks set a limit for card payments on the Internet. These limits must be removed manually, and if you do not know how to do this, payments will not go through.
Problems often occur with cards issued in the CIS when paying for goods in foreign online stores. This creates an unnecessary waste of energy and time.

Our advice is that if you plan to make frequent purchases on eBay, you should create your own PayPal account. If you just want to buy the item you like once or twice, you can pay via a payment card.

Payment for goods on eBay through the Moneybooker payment system

British equivalent of payment PayPal systems with quite attractive rates. Used primarily by European eBay users. Moneybookers accepts residents of many CIS countries, allowing them to both send and receive funds. Truth treats them extremely carefully and scrupulously checks all operations. In the Russian Federation, users can easily top up their account and withdraw money (to a bank account) through most commercial banks. You can top up your account using a payment card or bank transfer. The system's tariffs change dynamically, so we will not publish them here, especially since you can easily find them on the Moneybookers.com website. All users are offered the Escrow service (warranty mediation, more about this service in the “Ebay dictionary” section). Payment via Moneybookers on eBay is officially permitted by the "Accepted Payments Policy" of this online auction.

Moneybooker treats all users from the CIS countries very scrupulously. Apparently Europeans do not trust our people, believing that every second person is a potential deceiver and a scammer. Therefore, if you do not want problems with Moneybooker when paying for goods on eBay, then immediately after registration you need to confirm your account by emailing them a copy of your passport and other documents that the Moneybooker administration will request.

Also avoid suspicious transactions that may attract the attention of Moneybooker security. For example, if you make several identical payments for large amounts to the same user per day, you may wonder what these transactions are and why they are being carried out.

There was a case when a Moneybooker account was frozen due to the fact that one of our friends carried out 3 transactions with the same company in half an hour. The situation is this: he made the payment, but filled something in incorrectly, and the money was returned to the account. First they wrote off, then they returned. The payment was made again, but then canceled, by technical problems. Then the guy contacted the seller, negotiated again, made the transaction again, and everything went well. The Moneybooker administration considered that there was “something unclean” in these actions and temporarily froze the account. Of course, after explanations from the buyer and seller, everything was unfrozen, but the fact remains. They really find fault with the accounts of “our brother.”

Remember one more rule - exchanges forMoneybookerprohibited. From time to time, the accounts of the next money changer are blocked, and all users who, according to the Moneybooker administration, have made exchanges with this person, may fall under the hot hand. In this case, your account may also be blocked, and you will no longer be able to return the funds. Therefore, be as careful as possible, and with each payment write a small explanation - why you are making it and for what purpose. This is, first of all, necessary for the Moneybooker administration, so as not to accidentally block you for fraud or exchange transactions.

Main advantagesMoneybooker:

Payment is processed instantly, without unnecessary delays or waits.
This payment method is available to almost all residents of the CIS countries.

Main disadvantages of the payment systemMoneybooker:

A small number of sellers on eBay accept payment via Moneybooker. Most often these are residents of European countries. But there are no more than 1% of them, so sometimes it is difficult to find the right product, and also to make a payment through Moneybooker.
The need to top up your account is another disadvantage of Moneybooker. You will not be able to make payments like in PayPal, without unnecessary “physical movements”. First you will have to top up your account (for which a certain commission will be charged), and then only make the payment.
When making a payment, a commission will be charged both to the sender (always) and to the recipient (depending on the type of payment and account). This cannot be encouraging, because no one wants to spend extra money. The amount of the commission can be found on the official website of the payment system.
There is no buyer protection system. If problems arise, the money can only be returned “by the good will of the seller.” And if the seller is a scammer, then he will not return anything.
There is no insurance in case of problems.

As you can see, there are many disadvantages, and all of them are very significant. Therefore, if there is even the slightest opportunity not to pay through Moneybooker, then use it.

As we said earlier, on eBay there are certain payment methods that seem to be allowed, but there are certain reservations, certain conditions under which you can use this method payment.

These payment methods are allowed only for paying for goods in some sections of the categories “Motors”, “Business & Industrial”, “Adults Only”. The list of categories is available on the auction website in the “Accepted Payment Policy”.

Wire Transfer (international bank transfer)

Quite a popular way to transfer and receive money in many countries around the world. Every day, people transfer millions of dollars from one bank account to another. This is not a problem if the payment is made within one bank or one country. But if we talk about payment from a bank in Ukraine or Russia to an account in the USA, then some difficulties may arise. Firstly, payment will take from 3 to 7 days. Secondly, it is very difficult to track its successful completion and the receipt of funds into the recipient’s account. If you encounter a scammer, then it will be practically impossible to get your money back, because the procedure is very long and complicated. Also, for international payments there is a good commission, which is sometimes at least $30 per transaction.

Most often, bank transfers are used when contacting intermediary companies. The intermediary receives your money and sends it to the seller through the banking system within his country. Thus, the speed of receiving money increases, and the payment guarantee becomes 100%.

The main advantages of paying by bank transfer:

As you already understand, this payment method does not have many advantages. One thing, and most importantly, you can make a payment in any bank in your country, without being tied to either a place or a specific financial institution.

The main disadvantages of bank transfers:

The disadvantages, of course, are much greater. These include:

High transaction fees. As a rule, it is very rare to find a commission below $20. In some cases it can be many times greater.
If you use a bank transfer to purchase goods through intermediary companies, then do not forget that you will also have to pay for the services of these companies. It turns out that the costs will be even higher.
It is very difficult to get a refund. It all depends on the integrity of the seller and his reputation. If you encounter a scammer, then do not rely on the possibility of getting your money back.

Money Order when paying for a purchase on eBay

Mail remittance(an extremely popular and inexpensive means of payment within the United States). The recipient is sent by regular mail a paper indicating the amount of payment and its purpose. To make a payment using Money Order, it is enough to know the recipient's postal address. You can pay for the goods using this method using the services of an intermediary company, because CIS banks do not provide such a service (although some banks can help you cash the Money Order received in your name by accepting it for collection). Also not very attractive when paying for goods with Money Order is that if problems arise, it is almost impossible to return the money back without the good will of the Seller. Do not forget that when cashing a Money Order, the recipient of the payment will have to pay for bank services; sometimes Sellers require compensation for these costs and increase the transfer amount accordingly.

Main advantages:

Easy to track your payment
There is indisputable proof that you made the payment
Minimum commissions for this type of payment
Any bank can stop the payment until the Money Order has been cashed.

Main disadvantages:

IN modern world time is valuable. Money Order does not save this time. The seller will wait several days (if sending within the USA) for the letter, and then will spend time cashing it at the bank. Sometimes this is completely inconvenient.
If a problem occurs, you will not be able to benefit from eBay's insurance.

Paying for goods on eBay using personal checks

We have all seen American films where one of the characters writes a check to pay another person. We do not always understand the system of operation of this type of payment, but for the USA this is par for the course. Personal Check (personal check) is a payment document that is expressed in currency, i.e. is a written order of a legal or individual, which issued the check (check drawer), to the payer about the payment of a certain amount to the check holder in whose name the check was issued.

If we talk in simple words, then this is a kind of power of attorney to withdraw a certain amount of money from your personal account. This type of payment also has many disadvantages, and all of them are similar to those described for Money Order. Very rarely do eBay sellers use personal checks, and only in the most extreme cases. This payment method is not available for residents of the CIS.