Ebay managed payments (Australia) Opt out or alternative payment options to bank deposit

[31flavours]

Ebay Australia's switch over to managed payments (for my business) is a major impediment not a benefit.

I am a seller who uses my paypal funds received from sales (on a near daily basis) to send payments across the globe primarily for business.

Under the new Ebay managed payments, I will now have to wait up to 2+ business days to now have my sales funds deposited into my bank account from Ebay (maybe another business day before the inefficient banks here process the payment) & then will have to process another transfer back to Paypal (Another 5+ business days) - I now have no other option around this after numerous chats/calls to Ebay customer service/accounts trying to opt out of managed payments or seek an alternative. The current system works well for me, even if I have to pay a higher cost.

As a seller, I personally couldn't care less about Paypal's spin off from Ebay & the 'business rift' that has developed between the two but there has to been an alternative (Hyperwallet etc) or some businesses will suffer from this narrow minded approach & could potentially leave the platform - is this in Ebay's interest?

[knewdoors]

M A N A G E D  D I S A S T E R

[wwp42]

After 20 years of selling on ebay i pulled the plug on my ebay store.This change makes it to unsafe to sell through ebay, with direct payments via paypal they where regulated under the banking act and you could put in a disput with the banking services ombudsman if a scammer did a charge back, with ebay getting payed direct its just going to be a game of will you get payed and how long till ebay takes money out of your managed payment accout to give back to a scammer, that will end up with the money and the item, with your only option to appeal to the benevolence of the evilBay corporation. 

[davewil1964]

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@wwp42 wrote:

After 20 years of selling on ebay i pulled the plug on my ebay store.This change makes it to unsafe to sell through ebay, with direct payments via paypal they where regulated under the banking act and you could put in a disput with the banking services ombudsman if a scammer did a charge back, with ebay getting payed direct its just going to be a game of will you get payed and how long till ebay takes money out of your managed payment accout to give back to a scammer, that will end up with the money and the item, with your only option to appeal to the benevolence of the evilBay corporation. 

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Adyen, the payment gateway, is, like Paypal, a licenced financial service provider.

Thus, you have the same legal protections.

Ps: You still have a store.

On the plus side, you still have no idea.

[wwp42]

The store you may notice is empty, its only there till the subscription runs out.

Try going to Australian Financial Complaints Authority and putting in a complait about ebay.

[wwp42]

I know your going to have problems, so i will help you out "eBay Commerce Australia Pty Ltd (“ECA”)" is what you have to put in the AFCA serch, but as they are registerd as a remittance service provider and not a bank they are not regulated by AFCA only austrac, so the best you will be able to do is put in a consumer afairs complant but that will go nowhere as ebay will play the "out payments are processed in Calafornia not Australia game.

[lyndal1838]

The ebay payments are processed by Adyen who are registered with the Financial Services regulator.

Ebay does not come into it as far as a complaint is concerned.

[wwp42]

With paypal you have an account with them and are directly their customer and can put in a complaint to the AFSR with adyen ebay are the customer and in there "managed payments terms of use" they negotiat with the credit card processor on your behalf, that incluse charging you for any legal fees ebay incures in doing so. So you lose the money, lose the item and get a bill for arguing about it.

[digital*ghost]

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@wwp42 wrote:

With paypal you have an account with them and are directly their customer and can put in a complaint to the AFSR with adyen ebay are the customer and in there "managed payments terms of use" they negotiat with the credit card processor on your behalf, that incluse charging you for any legal fees ebay incures in doing so. So you lose the money, lose the item and get a bill for arguing about it.

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In theory, the main difference with managed payments is that the fee is higher, and subject to GST.

By which I mean that's exactly what PayPal, did, too, because in a CC chargeback scenario, the bank (not PayPal, eBay or Adyen) is the one who makes the decision for whether or not to uphold or deny the cardholder's claim, so as the seller dealing with PayPal, it was primarily a matter of whether you qualified for seller protection or not. If you did and PayPal upheld their seller protection policies, the buyer would still pretty much invariably be refunded, but the money wouldn't be taken from the seller's account, and their $15 fee wouldn't apply, and of course the inverse would usually be true if you didn't qualify for seller protection.

I have to say in theory, though, as I haven't yet had the misfortune of having to deal with eBay where a chargeback is concerned and their policies surrounding protection in those circumstances are not exactly confidence-inspiring, though they do outline how you can qualify for seller protection and not be held liable for a chargeback (the most glaring difference is that tracking needs to be uploaded within your initial handling time, as opposed to being provided to PayPal if / when a chargeback is raised, and it needs to show a delivered status to a suburb or postcode that matches the buyer's address - that last bit can be a problem, because even if delivered to the exact address the buyer provided, the tracking can sometimes show a neighbouring suburb or postcode, so I would hope other forms of evidence for the delivery address used can be accepted in those cases, at the very least). I don't think I am alone when I say that I do / did have a bit more trust in PayPal's seller protection than I currently have in eBay's, and that's not all down to the latter being untested personally.

AFAIK, it's true that as sellers, our contract is with eBay, and it is eBay who in turn has a contract with the payment processors, so while Adyen being a signatory to AFCA is a good thing, I have been wondering exactly where that leaves complaints about disbursement of seller funds from eBay to bank accounts, and what kind of reach AFCA will have in those cirumstances, but it would be good to hear the outcomes of any resolution processes you try. 

[wwp42]

Have never lost any money to chargebacks because of being able to put in a complaint to the ombudsman.

The last one was for $350, the payment came through paypal as a credit card payment, after a year and a half, the chargeback was initiated becuse of an unauthorised payment.

I have no access to the credit card details when some one pays online through paypal, so have no way to initiate an unauthorised payment, paypal are the card processor and its there responsibility.

naturaly after that length of time the tracking number was no longer serchable (australia post only keep trackng live for 2 months)

So with the recipt from the post office not even being acceptibal proof i shiped the item paypal took the money out of my account.

I put in a complait to the ombudsman, paypal get a chance to resolve the disput or it goes to administration and the ombudsman charges paypal around $500 to start the dadministration process and more fees as the process goes on.

Natural as a courtesy paypal setles the disput and gives me back my money, have had that senereo play out once or twince a year for 20 years.

under managed payments adyen will take the money back from ebay who will take the money back from you, and you will have no one to appeal the disition to but ebay. As soone as the scammers work out this change means they can get the product and the money it will be open slather on ebay sellers, i have aready had one scammer try it on.

[digital*ghost]

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@wwp42 wrote:

As soone as the scammers work out this change means they can get the product and the money it will be open slather on ebay sellers, i have aready had one scammer try it on.

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There will be no difference - as mentioned, the banks pretty much always decide in the cardholder's favour, which means they always get refunded. When you disputed PayPal's decision, it doesn't reverse the bank's decision and take the money back from the buyer / cardholder, it just results in PayPal refunding you from their own funds. The only thing is whether or not the refund comes from the seller or not, so there won't be anything new for the scammers with managed payments (i.e. the instances of chargebacks are not going to increase due to a difference in who is processing the card payment).