eBay

lordevor_0 · ‎08-16-2022

A verified eBay user has offered to pay with an E-Check. Is this legal? He does not have a credit/debit card and closed his PayPal account to to issues with them. He said the purchase will go thru eBay after the E-Check clears my bank account. The item is $1000 so its not a smaller purchase. Please offer me advise.

a_c_green · ‎08-16-2022

@lordevor_0 wrote:
A verified eBay user has offered to pay with an E-Check. Is this legal? He does not have a credit/debit card and closed his PayPal account to to issues with them. He said the purchase will go thru eBay after the E-Check clears my bank account. The item is $1000 so its not a smaller purchase. Please offer me advise.

That's a lot of bafflegab getting flung around.

To begin with, an e-Check used to be a payment through PayPal that was funded from the buyer's bank account, meaning that PayPal would send the seller a Ready to Ship notification only after the buyer's bank funds had reached their PayPal account, which was then transferred into your PayPal account (the seller).

However, your supposed buyer has said that he closed his PayPal account, and there is no "e-Check" he can send directly to your bank, nor do you collect eBay payments directly to your bank anyway; they go directly to eBay via eBay's payment processor, which is Adyen.

e-Checks were only relevant when PayPal was your payment processor, and they no longer are. You can still send PayPal an e-Check in terms of building your own PayPal balance from your bank's checking account, and after that you can buy things from eBay using your PayPal account, but that's not what your buyer is going to do, because again, by his own admission, he doesn't have a PayPal account.

So there is no e-Check to wait for, and no payment direct to your bank account from the buyer. The best you would get is some official-looking (but completely fake) directive telling you to ship and upload a tracking number (somewhere) before you would see funds in your account. Needless to say, no funds will ever appear.

Ignore further communication from this guy. He has everything he needs in order to pay you if he really wanted to, including a big Pay button in the original listing. After four full days from the end of the listing, you will be able to cancel with the reason of Buyer Did Not Pay (that reason does not appear until the fifth day, so wait for it to show up), he will get an Unpaid slap on his record, and you can relist. Keep us posted please!

View Best Answer in original post

hartungcards · ‎08-16-2022

If you do this, you'll be out about $1,000.

donsdetour · ‎08-16-2022

Sounds like a scam;

they pay eBay takes care of that....

May be a fake payment scam: they say such and then send fake notice you got payed:

when in FACT you did not.

Always check the payment status on eBay before shipping anything.

mtgraves7984 · ‎08-16-2022

"A verified eBay user..."

@lordevor_0

Or a scammer. I'm just sayin'...

Instead of an e-check, couldn't the buyer just pay you in cash on pickup?

donsdetour · ‎08-16-2022

Forget the echeck and tell them to bring cash when they pick up the item..

hartungcards · ‎08-16-2022

And don't forget to count your fingers after he hands you the cash to make sure they're all still there.

gotta-have-it-collectables · ‎08-16-2022

E-Scam!

dhbookds · ‎08-16-2022

what does it tell you when someone has no credit/debit card/paypal? You will get a fake " you've got money" email, etc........

Ignore and block the "buyer"........

simply-the-best-for-you · ‎08-16-2022

E-checks used to be a way to pay via Paypal. We had a thread recently where we ran this past eBay 'Blues' here to see if it's still valid & the bottom line was they did not know, as it was a PP payment method. That said, since this buyer is saying they don't have PP, run a mile away.

E-checks were only valid through Paypal.

This one goes to Eleven - Nigel Tufnel

Simply-the-best-for-you Volunteer Community Mentor
eBay Seller since 1996

duffy4444 · ‎08-16-2022

It's quacking like a duck. Guess what? -- It's a duck. If you think it isn't a duck, say goodbye to $1000.

Block the person on your BBL and ignore. Do not respond or entertain it in any way.

- Duffy

toysaver · ‎08-16-2022

It's being sold for pick up only- I wouldn't even accept cash from him.

wrong66 · ‎08-16-2022

Right. The guy is an obvious scammer. e-checks still exist, but ONLY through PayPal. I wouldn't do business with him on any level.

simply-the-best-for-you · ‎08-16-2022

@wrong66 wrote:
Right. The guy is an obvious scammer. e-checks still exist, but ONLY through PayPal. I wouldn't do business with him on any level.

@wrong66 Do you know if they are still accepted as a form of payment for eBay, if the person (not in this case, just in general) uses one through eBay? We were never able to get a clear answer.

This one goes to Eleven - Nigel Tufnel

Simply-the-best-for-you Volunteer Community Mentor
eBay Seller since 1996

bonjourami · ‎08-16-2022

And hope that the buyer doesnt expect that lady peeking around the corner with a camera is included in that sale.

``````````````````````````````````````````````````````````````````````````````````````````````````````

“Never pick a fight with an ugly person. They don’t have anything to lose.” ~Robin Williams

femmefan1946 · ‎08-16-2022

Canadian banks offer e-transfers but they have poor sender protection.

The good point is that they are currently free for both sender and reciever.

One of my non-eBay customers sent payment to the PP email (I use PP to invoice but allow these non-eBay customers to pay either with PP or with e-transfer) rather than the etransfer email and it took a few days to figure out what had happened.

This couple ended up out $10,000 though.

https://www.cbc.ca/news/business/wire-transfer-disappears-banks-1.6401776