eBay

warren689 · ‎10-29-2017

I'm relatively new to ebay selling and am not familiar with e-check. It says it can take up to 5 days for payment to clear and that I shouldn't ship until payment clears but ebay says I have to send it sooner. What's up with that?? And what exactly is an e-check anyway? Why wouldn't the buyer just send the funds regular paypal deposit or credit card processed through paypal? Please advise me on this. thanks!

thatsallfolks · ‎10-31-2017

This page describes how IPR works:

http://pages.ebay.com/ImmediatePayment-faq.html

Why can't I pay with an eCheck?
An eCheck is the electronic version of writing a check against your checking account. As such, it can take several days for the eCheck to clear. Since an eCheck is not a form of immediate payment, it is not an acceptable payment method for this option.

a_c_green · ‎10-31-2017

@dtexley3 wrote:
eBay/PayPal do not allow funding of a purchase of a BIN/IPR listing with an echeck, because payment is not immediate.
Can you supply a source that supports that?

The closest I can come in a quick ransack of PayPal FAQs is this (below). (I see we already have the eBay explanation in the post above as well.) Note the distinction based on funding source(s):

What is an eCheck?

An eCheck is an electronic payment funded by the buyer’s bank account. With an eCheck, the recipient should receive the money within 3-6 business days.

Both eChecks and Instant Transfers are ways to pay with your bank account. With an Instant Transfer, the recipient receives the money right away. You only need to have a confirmed U.S. bank account to send an eCheck, but an Instant Transfer also requires a backup funding source such as a credit or debit card registered on your PayPal account.

Ref: https://www.paypal.com/us/selfhelp/article/what-is-an-echeck-faq1082/1?channel=FAQ

So the way I see it, based on the above, when you're using your bank account as your funding source and you have no credit or debit card registered, it is handled as an eCheck, in which PayPal has to wait 3 days or so for your bank to cough up the funds. That doesn't meet the definition of an Immediate Payment since PayPal can't pay the seller; they could only send an eCheck notification and tell the seller to wait. Consequently, if you're requiring Immediate Payment, you are not going to be seeing eChecks.

When you're using your bank account as your funding source but you do have a credit or debit card registered as well, PayPal can access those funds immediately (it's the same as if you were using your credit or debit card in a store), and so PayPal gets the funds from your bank immediately and pays the seller right away. No eCheck is needed.

missjen831 · ‎10-31-2017

@thatsallfolks wrote:
@dtexley3 wrote:
@thatsallfolks wrote:
The only way to block echecks is to sell Fixed Price, with the Immediate Payment Required option. No auctions, no offers.
IPR does not block e-checks.
@dtexley3
eBay/PayPal do not allow funding of a purchase of a BIN/IPR listing with an echeck, because payment is not immediate.

I don't think thats correct. Look how many sellers with IPR have been getting scammed by non-US-univerified buyers paying with e-checls & giving a forwarding service address.

One life is all we have to live
Love is all we have to give

**Formerly known as MissJen316**

a_c_green · ‎10-31-2017

jen_proudleowife wrote:
I don't think thats correct. Look how many sellers with IPR have been getting scammed by non-US-univerified buyers paying with e-checls & giving a forwarding service address.

Are you sure those sellers were using IPR? An eCheck simply isn't an immediate payment.

dtexley3 · ‎10-31-2017

@missjen831 wrote:
@thatsallfolks wrote:
@dtexley3 wrote:
@thatsallfolks wrote:
The only way to block echecks is to sell Fixed Price, with the Immediate Payment Required option. No auctions, no offers.
IPR does not block e-checks.
@dtexley3
eBay/PayPal do not allow funding of a purchase of a BIN/IPR listing with an echeck, because payment is not immediate.
I don't think thats correct. Look how many sellers with IPR have been getting scammed by non-US-univerified buyers paying with e-checls & giving a forwarding service address.

I do still wonder, but based on the documentation I'll assume that IPR blocks eChecks, at least until I actually list something with IPR in place and get paid by eCheck (hehehe).

Member of the Grumpy Old Man crew

thatsallfolks · ‎10-31-2017

@dtexley3 wrote:
@missjen831 wrote:
@thatsallfolks wrote:
@dtexley3 wrote:
@thatsallfolks wrote:
The only way to block echecks is to sell Fixed Price, with the Immediate Payment Required option. No auctions, no offers.
IPR does not block e-checks.
@dtexley3
eBay/PayPal do not allow funding of a purchase of a BIN/IPR listing with an echeck, because payment is not immediate.
I don't think thats correct. Look how many sellers with IPR have been getting scammed by non-US-univerified buyers paying with e-checls & giving a forwarding service address.
I do still wonder, but based on the documentation I'll assume that IPR blocks eChecks, at least until I actually list something with IPR in place and get paid by eCheck (hehehe).

In over 1,000 BIN/IPR sales, I’ve never gotten an echeck.

newview · ‎10-31-2017

@warren689 wrote:
I'm relatively new to ebay selling ...
... but ebay says I have to send it sooner.
Please advise me on this. thanks!

Just a word of advise ...

A good healthy dose of skeptisim about ANTHING eBay tells you is a GOOD thing.

A few words of wisdom for new sellers:

1) Starting listings at .99 is not in your best interest, contrary to what eBay will tell you.

2) Ebay Customer Service (offshore call centers that get paid by the number of calls completed) will out & out LIE to you to get you off the phone.

3) Do NOT pay attention to eBay suggested pricing on UNSOLD items. This only benefits eBay, not the seller.

I'm ̶p̶r̶e̶t̶t̶y̶ ̶s̶u̶r̶e̶ certain the lunatics have taken over the asylum.

mam98031 · ‎10-31-2017

@dtexley3 wrote:
@thatsallfolks wrote:
@dtexley3 wrote:
@thatsallfolks wrote:
The only way to block echecks is to sell Fixed Price, with the Immediate Payment Required option. No auctions, no offers.
IPR does not block e-checks.
@dtexley3
eBay/PayPal do not allow funding of a purchase of a BIN/IPR listing with an echeck, because payment is not immediate.
Can you supply a source that supports that?

My understanding is the IPR requires that the buyer immediately proceed through the paypal checkout (or CC checkout) process before being allowed to purchase more items. It does not require that the buyers paypal account be fully funded for the transaction, and if it is not paypal will issue a fund transfer from the buyers prefered funding source. If that funding source is a bank account, it's an e-check. The "payment" is immediate, the funding of the payment is delayed.

That is NOT how an Echeck works. PP has a few options on method of payment as we all know. You can do a credit card, debit card, instant transfer or an echeck are amoung the options. But there is NO hybrid payment method that makes an Echeck an "immediate" payment. Nor is there such a thing as an "immediate" payment having the "funding ot the payment delayed". It is either immediate or it is delayed, it can't be both at the same time.

The definitions of the words don't even support your position.

I understand that you still don't agree even though others have posted the Ebay policy on this and of course that is your right. I'll just share with you that I've been a seller for quite a few years. Some of my listings are set up with IPR and some aren't. But all my fragrances require IPR and I have never gotten an echeck payment on any of them ever.

Ebay is moving to have ALL BIN listing be IPR whether a seller wants them to be or not. That move by Ebay is to cut down on non paying buyers for sellers. And it will reduce a seller's exposure to echecks to only be on auction listings. This is being done on purpose by Ebay to cut down on payment problems. I like many other sellers do not like or want Ebay to do this as it is problematic for some of us for various reasons. Besides, if we wanted IPR on our BIN listings, we have the power to do that ourselves. Some of us do not like being forced into this process at all. But that is another subject all together.

mam98031 • Volunteer Community Member • Buyer/Seller since 1999

"I can explain it to you, but I can't understand it for you." Quote from Edward I Koch

a_c_green · ‎10-31-2017

mam98031 wrote:
That is NOT how an Echeck works. PP has a few options on method of payment as we all know. You can do a credit card, debit card, instant transfer or an echeck are amoung the options. But there is NO hybrid payment method that makes an Echeck an "immediate" payment. Nor is there such a thing as an "immediate" payment having the "funding ot the payment delayed". It is either immediate or it is delayed, it can't be both at the same time.

I think in summary, it's easiest to say that an eCheck is the opposite of an Immediate Payment. If you haven't got a credit or debit card tied to your bank account, you can't use your bank funds for an Immediate Payment; the funds can only used with an eCheck.

mam98031 · ‎10-31-2017

@missjen831 wrote:
@thatsallfolks wrote:
@dtexley3 wrote:
@thatsallfolks wrote:
The only way to block echecks is to sell Fixed Price, with the Immediate Payment Required option. No auctions, no offers.
IPR does not block e-checks.
@dtexley3
eBay/PayPal do not allow funding of a purchase of a BIN/IPR listing with an echeck, because payment is not immediate.
I don't think thats correct. Look how many sellers with IPR have been getting scammed by non-US-univerified buyers paying with e-checls & giving a forwarding service address.

I'm not sure what you mean by an "univerified [unverified] buyer"? What is that? If you are talking about PP status of having a verified or unverified ADDRESS, that hasn't mattered in years.

I'm also not sure of your concern over an Echeck payment coupled with a Freight Forwarding service. The two things are obviously different and have different implications. The Echeck we have already discussed, so unless you are shipping it out BEFORE payment has cleared, that certainly creates an issue for sure.

As to the shipping to a Freight Forwarding address, that doesn't have to be an issue. Per the Ebay rules, as a seller, you are responsible for the item you are shipping to the address on the PP payment in which you should be shipping to. Period. So your responsibility ends at that point. Once that ReShipper, ships the item off to the end user [buyer], the buyer's rights under the Money Back Guarantee program are voided.

I know that some seller's aren't aware of that and they take on the responsibility to refund or take a return from an international buyer. This is why it is so important for sellers to know and understand the rules. We have few as a seller that protect us, so it isn't hard to learn these rules. I hope this helps you.

mam98031 • Volunteer Community Member • Buyer/Seller since 1999

"I can explain it to you, but I can't understand it for you." Quote from Edward I Koch

thatsallfolks · ‎10-31-2017

@missjen831 wrote:
@thatsallfolks wrote:
@dtexley3 wrote:
@thatsallfolks wrote:
The only way to block echecks is to sell Fixed Price, with the Immediate Payment Required option. No auctions, no offers.
IPR does not block e-checks.
@dtexley3
eBay/PayPal do not allow funding of a purchase of a BIN/IPR listing with an echeck, because payment is not immediate.
I don't think thats correct. Look how many sellers with IPR have been getting scammed by non-US-univerified buyers paying with e-checls & giving a forwarding service address.

We would have to identify at least one who used IPR AND didn’t make the sale via an offer, which bypasses the IPR requirement.

warren689 · ‎11-01-2017

Good advice. 🙂

siayan · ‎11-01-2017

@newview wrote:
@warren689 wrote:
I'm relatively new to ebay selling ...
... but ebay says I have to send it sooner.
Please advise me on this. thanks!
Just a word of advise ...
A good healthy dose of skeptisim about ANTHING eBay tells you is a GOOD thing.

A few words of wisdom for new sellers:
1) Starting listings at .99 is not in your best interest, contrary to what eBay will tell you.
2) Ebay Customer Service (offshore call centers that get paid by the number of calls completed) will out & out LIE to you to get you off the phone.
3) Do NOT pay attention to eBay suggested pricing on UNSOLD items. This only benefits eBay, not the seller.

I have never seen this before. eBay calls centers probably get paid by the hour at somewhere close to minimum wage of $1.20 per hour. There would be no shortage of college graduate applicants either. Just for comparison,McDonald's pays minimum wage in the Philippines. You better have a college degree, be young, and either pretty or handsome or you don't get the job. No one over 30 working at McDonald's in the Philippines. Not picking on McDonald's, that goes for all of the fast food business there.

The reason, the country is poor. That worker could possibly supporting their whole family. I know that doesn't help with the problem eveyone has calling there but I try to keep that in my head when I think this person could loose their job because of my call.

Way OT but I think the OP has his question answered.

____________________________________________________________________
Prov 20:14 It is naught, it is naught, saith the buyer: but when he is gone his way, then he boasteth.

newview · ‎11-01-2017

@siayan wrote:
@newview wrote:
~snip~
2) Ebay Customer Service (offshore call centers that get paid by the number of calls completed) will out & out LIE to you to get you off the phone.
~snip~

I have never seen this before. eBay calls centers probably get paid by the hour at somewhere close to minimum wage of $1.20 per hour.

I'm not speaking of the employees ... I'm speaking of the Call Center COMPANY.

I'm ̶p̶r̶e̶t̶t̶y̶ ̶s̶u̶r̶e̶ certain the lunatics have taken over the asylum.