topic Re: managed payments and personal information. in Selling

managed payments and personal information.

shoppingbag* — Fri, 14 Aug 2020 21:40:24 GMT

Is it true that to sign up for managed payments, eBay demands heaps of personal information, and also we have to once again prove who we are and upload bank account details etc,etc. All of this personal informtion is then sent to a third party which eBay is then not responsible for. I would like to hear from those who have already signed up, as to whether this is true or not.

Re: managed payments and personal information.

tazzieterror — Sat, 15 Aug 2020 00:15:47 GMT

@shoppingbag* wrote:
Is it true that to sign up for managed payments, eBay demands heaps of personal information, and also we have to once again prove who we are and upload bank account details etc,etc. All of this personal informtion is then sent to a third party which eBay is then not responsible for. I would like to hear from those who have already signed up, as to whether this is true or not.

You need to provide up-to-date ID for verification, and yes, they need your bank account details as that's where they deposit your funds (eventually!)

Re: managed payments and personal information.

gutterpunkz05 — Sat, 15 Aug 2020 01:31:06 GMT

The process is not as bad as it sounds, for private sellers all you need is your drivers licence number, Bank Account Name, BSB and ACC numbers. Then you have to upload a Bank Statement (less than 3 months old) Note, I just downloaded and provided a proof of balance and that was sufficient.

I am pretty sure the name of the ebay account holder and that of the bank account have to match

For business accounts you had to include ABN, ACN and details of anyone with more than 25% share

Re: managed payments and personal information.

shoppingbag* — Sat, 15 Aug 2020 02:24:16 GMT

Drivers Licence number, no way are they getting that. That is very dangerous in the wrong hands, who knows if and when the site gets hacked. As for ID, I am still me why should I be proving I am still me? looks like I will stop selling on here. They can have my bank account details and that is all.

Re: managed payments and personal information.

shoppingbag* — Sat, 15 Aug 2020 02:32:38 GMT

I can see a lot of identity thefts arising from this, bank account details plus drivers livence number equals the scammers will have a field day. Good luck to all of you who are willing to share this combined information. I don't intend to.

Re: managed payments and personal information.

gutterpunkz05 — Sat, 15 Aug 2020 02:51:04 GMT

@shoppingbag* wrote:
I can see a lot of identity thefts arising from this, bank account details plus drivers livence number equals the scammers will have a field day. Good luck to all of you who are willing to share this combined information. I don't intend to.

Thats why I have an account purely for online use, which is kept with a minimum balance and that is the way I intend to keep it.

Re: managed payments and personal information.

davewil1964 — Sat, 15 Aug 2020 02:57:10 GMT

My account details don't give access to my account, except for deposits.

For access they would need my customer number, which they aren't getting, and my phone to verify any strange account activity.

Re: managed payments and personal information.

tazzieterror — Sat, 15 Aug 2020 03:53:18 GMT

@shoppingbag* wrote:
I can see a lot of identity thefts arising from this, bank account details plus drivers livence number equals the scammers will have a field day. Good luck to all of you who are willing to share this combined information. I don't intend to.

All sellers will eventually need to switch over to MP, so you might find you don't have a choice if you want to keep selling on here.

Re: managed payments and personal information.

digital*ghost — Sat, 15 Aug 2020 05:45:38 GMT

@shoppingbag* wrote:
Drivers Licence number, no way are they getting that. That is very dangerous in the wrong hands, who knows if and when the site gets hacked. As for ID, I am still me why should I be proving I am still me? looks like I will stop selling on here. They can have my bank account details and that is all.

Just to clarify - the indentity verification is not for eBay, it's for Adyen, the actual financial company handling the money. They also aren't asking for it for arbitrary reasons, it's a legal requirement (google know your customer / anti-money laundering laws).

Every company that handles money like this have to be able to identify the recipients of the money by law - if you have not had to send actual scans of your ID to PayPal yet (rather than just the number), it's only because you haven't reached their threshold where they will limit / close your account if you don't (it's typically around $10k AUD).

Re: managed payments and personal information.

joztamps — Sat, 15 Aug 2020 07:02:48 GMT

@digital*ghost wrote:
@shoppingbag* wrote:
Drivers Licence number, no way are they getting that. That is very dangerous in the wrong hands, who knows if and when the site gets hacked. As for ID, I am still me why should I be proving I am still me? looks like I will stop selling on here. They can have my bank account details and that is all.
Just to clarify - the indentity verification is not for eBay, it's for Adyen, the actual financial company handling the money. They also aren't asking for it for arbitrary reasons, it's a legal requirement (google know your customer / anti-money laundering laws).

Every company that handles money like this have to be able to identify the recipients of the money by law - if you have not had to send actual scans of your ID to PayPal yet (rather than just the number), it's only because you haven't reached their threshold where they will limit / close your account if you don't (it's typically around $10k AUD

Although, of course, you don't need a passport or driver's licence to meet the 100-point verification requirements of the anti-money laundering system; the insistence on one of these two items and their refusal to remedy the defect in their application form was just another stuff-up in the imnplementation of the program,

Re: managed payments and personal information.

digital*ghost — Sat, 15 Aug 2020 07:10:59 GMT

It actually depends on how the verification is carried out - for example, you can use the 100 point system in person, but you can't always use it online because not all forms of ID can be verified online.

While researching the ID issues being experienced by some sellers, I found out some proof of age cards, while they count for 100 points in person, can't be verified online, so aren't accepted for online ID verification but are if you do it in person, though the exact same business.

I switched to a new phone service recently and activated it online - they wouldn't accept my proof of age card as ID, but they would accept my Medicare card info - Adyen need government issued photo-ID though, and there are limited options for that which can be verified without requiring a full scan (of both sides) of the ID (all other companies I've had to verify my ID to actually did use a system where you needed to upload scans, so I assume the ID was verified by sighting rather than online - both methods obviously have their pros and cons. Online verification limits the range of personal data somewhat, but also limits the available ID options).

Re: managed payments and personal information.

danieh_6 — Sat, 15 Aug 2020 07:17:06 GMT

I don't see this as an issue. if you have been restricted before you have to provide the same ANYWAY. Adyen is answered to AFCA and privacy complaints if you request want data they have on you or you wish your license number to be destroyed it has to be.

Re: managed payments and personal information.

joztamps — Sat, 15 Aug 2020 08:28:46 GMT

@digital*ghost wrote:
It actually depends on how the verification is carried out - for example, you can use the 100 point system in person, but you can't always use it online because not all forms of ID can be verified online.

While researching the ID issues being experienced by some sellers, I found out some proof of age cards, while they count for 100 points in person, can't be verified online, so aren't accepted for online ID verification but are if you do it in person, though the exact same business.

I switched to a new phone service recently and activated it online - they wouldn't accept my proof of age card as ID, but they would accept my Medicare card info - Adyen need government issued photo-ID though, and there are limited options for that which can be verified without requiring a full scan (of both sides) of the ID (all other companies I've had to verify my ID to actually did use a system where you needed to upload scans, so I assume the ID was verified by sighting rather than online - both methods obviously have their pros and cons. Online verification limits the range of personal data somewhat, but also limits the available ID options).

Ayden don't need photo-ID; if they require it, it is as part of their own internal non-government rules.

A Birth Certificate is verifiable on-line.

If you hinge on that as your Primary Document, sufficient other non-photo-ID Secondary Documents are also verifiable on-line.

In fact, of course, photo-ID might (or might not) be relevant to in-person processes, but is by the very nature of the beast/s utterly irrelevant to and pointless in on-line processes.

Re: managed payments and personal information.

digital*ghost — Sat, 15 Aug 2020 08:56:07 GMT

@joztamps wrote:

Ayden don't need photo-ID; if they require it, it is as part of their own internal non-government rules.
A Birth Certificate is verifiable on-line.
If you hinge on that as your Primary Document, sufficient other non-photo-ID Secondary Documents are also verifiable on-line.
In fact, of course, photo-ID might (or might not) be relevant to in-person processes, but is by the very nature of the beast/s utterly irrelevant to and pointless in on-line processes.

Yes, true - I should not have worded it that way, as there would be other reasons for them requiring it (at least in Aus, not sure what the laws require in other countries Adyen operate - they also require photo ID when verifying with them through Et*sy, which comes under EU legislation, however over there they ask for scans).

Not really an area I know enough to speculate as to their reasoning, though.

Re: managed payments and personal information.

chameleon54 — Fri, 11 Sep 2020 01:03:46 GMT

@digital*ghost wrote:
It actually depends on how the verification is carried out - for example, you can use the 100 point system in person, but you can't always use it online because not all forms of ID can be verified online.

While researching the ID issues being experienced by some sellers, I found out some proof of age cards, while they count for 100 points in person, can't be verified online, so aren't accepted for online ID verification but are if you do it in person, though the exact same business.

I switched to a new phone service recently and activated it online - they wouldn't accept my proof of age card as ID, but they would accept my Medicare card info - Adyen need government issued photo-ID though, and there are limited options for that which can be verified without requiring a full scan (of both sides) of the ID (all other companies I've had to verify my ID to actually did use a system where you needed to upload scans, so I assume the ID was verified by sighting rather than online - both methods obviously have their pros and cons. Online verification limits the range of personal data somewhat, but also limits the available ID options).

My wife doesn't have a drivers licence or passport. Her SA. issued proof of age card was originally accepted by the system, but has just come back many weeks later as rejected, holding up transition to managed payments. After a 20 minute phone call with a very helpful rep in the U.S. who did her best to find a work around, we came up blank.

The only way for the missus to continue selling on ebay is to pay the $150 dollars and apply for a passport. Something we will reluctantly do. That will be a big hit to smaller sellers who are just trying to sell a few things to help make ends meet. Particularly those with disabilities who don't have a drivers licence or passport.

Re: managed payments and personal information.

chameleon54 — Fri, 11 Sep 2020 04:35:39 GMT

Just on the above, one more pertinent point.....Ebay would have accepted adding my name to the selling account and using my Drivers licence name for verification. We would have to forward the money to a joint bank account, but that didn't suit our tax structures for the selling accounts.

The interesting point with this is usually once an ebay ID is registered the ownership names cant be changed.

Re: managed payments and personal information.

digital*ghost — Fri, 11 Sep 2020 06:28:17 GMT

@chameleon54 wrote:
My wife doesn't have a drivers licence or passport. Her SA. issued proof of age card was originally accepted by the system, but has just come back many weeks later as rejected, holding up transition to managed payments. After a 20 minute phone call with a very helpful rep in the U.S. who did her best to find a work around, we came up blank.

The only way for the missus to continue selling on ebay is to pay the $150 dollars and apply for a passport. Something we will reluctantly do. That will be a big hit to smaller sellers who are just trying to sell a few things to help make ends meet. Particularly those with disabilities who don't have a drivers licence or passport.

I feel like this is a pretty serious issue that eBay should address, as it will be prohibitive for many to have to go through that process and expense.

Weirdly, I haven't had any issues as yet - my POA card reference number was my driver's license number at one point, I'm not sure if that has anything to do with it or not, though.

My only hiccup so far with being on MP is that my payments are set to weekly and are triggered Monday night to arrive every Tuesday, but they made a payment yesterday of all available funds (obviously not an actual issue, just weird).

Re: managed payments and personal information.

south.coffee — Tue, 03 Nov 2020 01:51:23 GMT

It must be time for an update on 'Mangled Payments' now after several months. How are sellers going and have all the bugs been ironed out ?

Re: managed payments and personal information.

yellowmusicbox — Tue, 03 Nov 2020 08:51:41 GMT

Ebay are demanding that I supply a photo ID, either a physical copy of my drivers licence or a copy of my passport. I am definitely not comfortable with handing it over to who knows who in ebay. Guess I'll have to leave ebay....

Re: managed payments and personal information.

davewil1964 — Tue, 03 Nov 2020 08:56:04 GMT

See ya