Why can't ebay just as easily send out payouts to paypal rather the bank?

[jujus5gkids]

The thing I hate most about managed payments is we are forced to have our payouts sent to our bank instead of where we want them.  I do everything through paypal and ebay cannot make me change that so I have to wait three days for a payout to clear my bank then another 3 or 4 days to get the money transferred to my paypal account.  I think ebay is just being stubborn!  Other than that and causing me a lot more time and bookwork to keep account of everything, it would not be such a problem.  I miss the fantastic way paypal sent our payment noticed through ebay.. all nicely combined and I always printed my invoice from the paypal notice.  WE don't have that luxury with ebay MP.  I go through multiple screens for the info I want and it is time consuming an a pain!  Maybe paypal will come up with some sort of account where we would have account numbers/routing numbers and could change our banking info to that and have payouts go straight to paypal again.

[mam98031]

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@muskingum_relics wrote:

ebays control over its sellers is NOT a misconception !!!

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That isn't what you said in which I was commenting to, that is a deflection of the previous post not an accurate depiction of the conversation.

[lotzofuniquegoodies]

@mam98031 

Thanks for the clarifications on the many points. Appreciated. Regarding the overdraft, it's a 9.00 fee you either pay or don't pay monthly. Your choice. Then you set up an overdraft limit that has to be yay'd or nay'd by the bank.  If you were to go into overdraft without have that limit you would get dinged with whatever the current fee is. As far as it goes for bank options we have our big 4 or 5. With a few credit unions. I have heard some sellers that used a  credit union it was a breeze, others, major delays with processing. I was not aware of the fact that you get an actual notice for chargeback fees. And when it comes to banking I really don't like having surprises or requiring an accountant to figure out an explanation.

-Lotz

[mam98031]

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@lotzofuniquegoodies wrote:

@mam98031 

Thanks for the clarifications on the many points. Appreciated. Regarding the overdraft, it's a 9.00 fee you either pay or don't pay monthly. Your choice. Then you set up an overdraft limit that has to be yay'd or nay'd by the bank.  If you were to go into overdraft without have that limit you would get dinged with whatever the current fee is. As far as it goes for bank options we have our big 4 or 5. With a few credit unions. I have heard some sellers that used a  credit union it was a breeze, others, major delays with processing. I was not aware of the fact that you get an actual notice for chargeback fees. And when it comes to banking I really don't like having surprises or requiring an accountant to figure out an explanation.

-Lotz

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Seems your banking system in Canada makes it more complicated than ours in the states.  

With that said, this really isn't something you should experience with MP.  You will know about an amount getting charged back to your checking account before it ever happens.  Which would give you plenty of time to transfer or otherwise deposit enough in the account to accommodate whatever the $$ amount is.  Or you can opt to put it on a credit card instead.

IMHO it doesn't take an accountant to figure all this out.  It is in the Payment screen [the available reports] for you to see and play with anytime you desire.  

Besides, you should be keeping your own sales records.  Any reports that you get off of any site you may sell on should be reports you use to crosscheck and verify your own numbers.  

I think you think this is more complicated than it actually is.

[marnotom!]

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@muskingum_relics wrote:

but ebay hired them ! So to ebay the blame should fall !! They are wanting to force it so strongly yet it is a broken system ! Slow caveman era payments in a world of high tech !! No excuse !!!

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There's a difference between apportioning blame and apportioning responsibility.  While eBay may be responsible for ensuring that buyers and sellers have access to MP and that it functions as it should,

eBay is not to blame for Managed Payments' inability to transfer payments to PayPal accounts

eBay is not to blame for Managed Payments' inability to "instantly" deposit payments into bank accounts.

I find it interesting how you and others are complaining about being "forced" into MP when many sellers were making the same complaints about PayPal back when eBay modified its Payments Policy to one where electronic payments were almost the exclusive payment method on the site.

The way I see it, if sellers were allowed to opt out of Managed Payments the alternative would be to use payment processors that might not integrate with eBay's systems, like in the 1990s and early 2000s, and eBay would end up with no records of communication or payments.  Seems like once buyers and sellers learn how to game this sort of system, we'd be looking at an increase in fraud from all quarters.

[glorybells]

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@mam98031 wrote:

Is there a reason why you don't want the money going into your bank account?

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For me, it’s so that certain entities that might look at my bank account  don’t get the idea that I’m making a huge income if I suddenly have good eBay sales one month.

[chapeau-noir]

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@mam98031 wrote:

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@dede394 wrote:

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@chapeau-noir wrote:

I can accept more payment methods with eBay Payments with Adyen. 

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What are the additional payment methods we can accept with Adyen?

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Google Pay and Apple Pay.

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Those two are popular with mobile payments which are increasing - I expect more will be along.  I really wish they'd take Square and Stripe.  I know people who won't touch Paypal, never heard of it, etc., and many of these people are younger. 

Just in general, again, we need to be thinking about how many buyers we can reach, not our own little Paypal worlds.  I agree that eBay has been poor on the communication front with this - a lot of anxiety for a lot of people could have been avoided with better communication, or at least better written communication.  OTOH, I'm amazed at how many people think eBay still owns Paypal, 'kicked Paypal the the curb' or think that somehow this is some kind of money laundering scheme.  This is how retail runs and we're in retail.

[mam98031]

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@glorybells wrote:

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@mam98031 wrote:

Is there a reason why you don't want the money going into your bank account?

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For me, it’s so that certain entities that might look at my bank account  don’t get the idea that I’m making a huge income if I suddenly have good eBay sales one month.

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So you want Ebay to assist you in an effort to defraud your state or federal government?  Even when your income from internet sales doesn't go into your bank account, you are still suppose to claim your income.  

[mam98031]

They don't have to use PP once the seller is in MP.  If the buyer wants to pay with a CC, they can do so without going through PP.  Unlikely will allow Square Trade and Stripe, unless I misunderstand what they are.  Aren't they payment processors?

[chapeau-noir]

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@mam98031 wrote:

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@glorybells wrote:

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@mam98031 wrote:

Is there a reason why you don't want the money going into your bank account?

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For me, it’s so that certain entities that might look at my bank account  don’t get the idea that I’m making a huge income if I suddenly have good eBay sales one month.

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So you want Ebay to assist you in an effort to defraud your state or federal government?  Even when your income from internet sales doesn't go into your bank account, you are still suppose to claim your income.  

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Don't jump to conclusions - there may be other, personal considerations where someone's income fluctuations can cause problems having nothing to do with taxes.  I would never had brought it up on a public board, but I can understand how that would be. 

[muskingum_relics]

lol unrealistic expectations ????????????? That is a laugh and a half ! It happened for years with no problem ! Seller sold item !! Buyer pays !! Seller got paid !! Seller shipped !! There is nothing unrealistic about it !!!!! Buyers that paid with pay pal had the money in their accounts and it went from theirs to to yours instantly !! When I bought I know what I had in my account to but with and it went from mine to theirs !! Why some of you keep insisting otherwise is beyond me !! But no matter how you want to see it paypal was and is a 100 times better hands down period !! MP cannot hold a candle to paypal !!!!

[yuzuha]

I sold on eBay before they eliminated the ability for buyers to pay with checks/money orders. I would make a sale.  I would wait for the buyer to mail me their check/money order. I would go cash the money order/deposit the check and wait for it to clear, and then and only then would I ship the buyer their item... usually a week or more after they'd initially mailed the payment.

There was absolutely nothing instant about it, yet no one seemed to have any problems with that fact. In fact, there was a huge outcry when eBay went Paypal only, because a lot of sellers wanted to keep on dealing in checks and money orders. Why did being able to have your money instantly suddenly become such a big deal when it never was before?

[mam98031]

*******************************General Reply**********************************

MP just released this graphics that may help some people.

https://community.ebay.com/t5/Payments/Infographic-How-payouts-work-on-managed-payments/m-p/31272627...

[muskingum_relics]

the big deal is that it is the fact that ebay is hijacking peoples businesses and I am smart enough to see that fact!! I am sick of it always having to be about ebay instead of the seller !! It has the socialistic taste to it that I cannot stand !!!

[mam98031]

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@muskingum_relics wrote:

the big deal is that it is the fact that ebay is hijacking peoples businesses and I am smart enough to see that fact!! I am sick of it always having to be about ebay instead of the seller !! It has the socialistic taste to it that I cannot stand !!!

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Ebay isn't "hijacking" anything.  My business operates today the same way it did pre-MP with the exception that my money processor is different.  You seem to want Ebay to be something it is not.  Ebay is simply a corporation that offers us a platform in which we can choose to use or not to use to sell the stuff we want to sell within the rules set forth by the site.  Same thing on any other site.

What you want is something you can only get if you have your own website.  Then you make all the decisions about it and that might be your best options.  Ebay has never claimed nor has ever given members that much freedom to do as they please.

[j_paramita]

because transferring to your bank account nets them an extra 2.9% (or whatever it is) profit!