What is the exact periodicity of eBay taking money for fees from payment method?

[iamonourside]

I currently have a negative available balance. I've been billed for listing fees and promotional listing fees in advance of the credit for payment that is still pending.  In its policy pages, ebay says it will charge my payment method within 14 days to fully cover the amount due.  The full policy statement in blue with the concerning part in red is included lastly.

My question is WHEN. If eBay wanted to balance my books as of today,  it charge my payment method today. Its $0.84.   Every day that I don't make a sale or that payment from a sale is pending, there will be a couple dollars worth of insertion fees or promo fees. Is eBay going to charge my payment method EVERY DAY? What is the purpose of saying within 14 days? How will I know what will be charged to my payment method and when?

What has been the experience of member who DO NOT have sales every day?

"Fees and charges

As a managed payments seller, most of your costs and fees are deducted as part of a sale, or paid from your Available and Processing funds.

If your Available and Processing funds are insufficient to cover the outstanding amounts you owe, eBay will charge your on-file payment method within 14 days to recoup the full amount. We may add up the amounts you owe into a single charge. All the details related to these charges will be visible on your financial statement and may include:

• eBay fees
• Seller refunds
• Shipping labels
• Cancellation refunds
• Return refunds
• eBay Money Back Guarantee refunds
• Payment dispute refunds

You can change or update your credit card or payout bank account at any time to cover these costs.

All details related to these charges can be found in Payment options - opens in new window or tab in My eBay, or in All transactions, Expenses, Tax invoice, or Financial statement in Seller Hub - opens in new window or tab."

[mtgraves7984]

14 days: That is the time allowed for you to build Pending sales to pay for refunds (cover your cost) before they bill the amount owed to the Automatic Payment method you have set to pay your eBay invoice. It can be a bank account or credit card. If you have some (but not all)... it'll pull your Pending funds first and bill the refund's balance.

The monthly invoice is still store fees, selling upgrades, some shipping costs, etc. 

Your FVFs from sales are now deducted before your payment begins 'Processing'.

Hope this helps. Good luck.

[iamonourside]

Thank you @mtgraves7984 . To be sure I am clear,  so only in the case of eBay providing a refund is it likely for eBay to exercise its right to charge my automatic payment method?

[mtgraves7984 · Accepted solution]

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@iamonourside wrote:

Thank you @mtgraves7984 . To be sure I am clear,  so only in the case of eBay providing a refund is it likely for eBay to exercise its right to charge my automatic payment method?

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@iamonourside 

I had experience with this very situation yesterday. I had a Return and the refund was to be $6 more than I had in my Payouts on Hold... placed on hold with the Return request.  When the item was returned, I went into the Return under the Orders tab on my Seller Hub to issue the refund.

The refund screen populated and told me that if my Pending wasn't enough, I agreed to bill "my attached bank account" (or some such verbiage), or  "another payment method on file"... the hot button . Since my refund difference was so small, I chose to have eBay debit my 'attached bank account', but had the option  of hitting the hot button to change it to my CC that is my Automatic Payment Method for my eBay invoice.

Note: eBay will first use your 'Hold' or 'Pending' dollars, in the instance that you have some. If you haven't built enough up, eBay will get that refund in 14 days. Proactively, you can select... if eBay does it, it'll probably default to your attached bank account. 

I'm a small seller who doesn't deal with many high-priced items, but I've attached the CC for my monthly invoice payment simply to add this layer of protection  in the rare case of a high-value refund. I mean, the invoice will be paid anyway via the Automatic, anyway... why not gain another benefit?

[iamonourside]

A belated thank you @mtgraves7984 for your elaboration by example.  I am just not "getting" things like I used to.

Yesterday, my partner had just such a situation of needing (me) to refund a buyer for an agreed shipping discount.  I was able to do it with much more confidence as a result of your post.

Thank you for taking the time!