Forcing me to managed payment or deny new listings

[retrowise]

I wanted to put up a new item but message came up I must register to managed payments. So I go to the link where it says "express interest". I fill out the form but skip the "Why are you interested in managed payments?" because I am not interested in it. Off course it won't let me continue. So I feel I'm being forced to voluntarily sign up for something I don't want. When I dig deeper, I find they also want driver's licence and who knows what other persona information which in no way I will submit to some private company online.

The question I have is it even legal to force people this way or simply deny their service?

I've been with ebay since the start but this will probably be the end of it. What are your thoughts

[katistrophik]

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@sharrie58 wrote:

come on  pay pal is available every where and everybody who deals on the internet uses it

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WRONG - eBay no longer uses Paypal and AFAIK other platforms are also moving away from it

[padi*0409]

Not quite with eBay Kat, buyers can still use it even though the funds go straight to Ayden to be processed, if the seller's on MP.

I know, picky, picky, picky..................

[katistrophik]

Yes, but the fact is Adyen still process even when a buyer uses P.Pal, so in that context eBay are not using payal.

I think I read somewhere, might have been digi, something about paypal protection changing which is why Etsy moved away from it, and i think Amazon are too.

And give yourself a slap for being a nit picker (norti boy)

[danieh_6]

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@katistrophik wrote:

Yes, but the fact is Adyen still process even when a buyer uses P.Pal, so in that context eBay are not using payal.

I think I read somewhere, might have been digi, something about paypal protection changing which is why Etsy moved away from it, and i think Amazon are too.

And give yourself a slap for being a nit picker (norti boy)

I think its got something do with it going to the right area on their end cause it would go to the eBay mass PayPal account and needs to be funded correctly to the virtual sellers account IMO. Like when you pay someone it says "you sent an authorized payment to eBay. Another thing is that Adyen will continue to use PayPal, long into the future however eBay won't directly support Paypal, maybe for china sellers but yeah.

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[danieh_6]

Not replying to anyone in particular. But again I just want to point out something regarding ID and the AML/CTF legislation.

1) If you have had your PayPal account for a long time like me, you would of never had to provide an ID, unless you hit over 1k at a given time in PayPal balance. Every small Joe Blow seller would of never had this. Now when you make an account you have verify right away. Forum regulars: this is a point you are missing when it comes to people complaining about ID & eBay. Just telling them to leave or they had to do it on PayPal anyway is a poor attitude.
2) eBay's contact and customer service is bad sometimes and PayPal's seller protection is slightly better than eBay's, so you can see why sellers are skeptical about moving to eBay MP. Also due to the fact that some sellers have a bad experience with customer service I can see why they are skeptical about giving them access to their ID and bank.
3) Paypal to some sellers can be seen as bank and "safer" as you can clearly see your balance manage it and make payments. They also have an App too and are 'Clearly' regulated by AFCA (basically saying their AFSL is posted in their ToS)
4) Another reason is, might not be actually documented but this is an assumption. eBay is 'acting' as an remittance service provider regulated by AUSTRAC trading under eBay Ecommerce Pty Ltd. As quoted in their ToS. However they are in fact not as they are charging fees and also have direct debit authorization. They are acting as a payment processor not a company that just sends money. They are not western union... however they should have reference to being an authorized representative of Adyen or reference to the AFSL of Adyen. So this is actually borderline illegal technically speaking. So in saying that a seller might have a fraudulent dispute, i.e buyer sends back an empty box and wins the dispute. Seller takes PayPal to AFCA, gets money back all sorted. There is no clear reference to the average Joe where to take eBay if this does happen in the future.

[gec2002]

Providing personal data on line always involves an element of risk, and the more sensitive that data the higher the risk.  Neither eBay or Amazon have spotless records over security breaches, in 2014 eBay was investigated for the theft of personal data affecting 145 million customers and as recently as 2020 8 million records from eBay, Amazon and Paypal were left exposed when a third party was doing VAT analysis and left the database searchable.

While eBay can require you to provide sensitive info or not let you play, some precautions such as having a separate Credit Card and Bank account for online transactions, with only min funds, can limit any potential losses.

Also as noted in several other discussions, business setup as either Partnerships or Trusts are remaining on Paypal for the near future.  So eBay is still running Paypal for some sellers.

[katistrophik]

Yeah I got that as well, scary thing is how long for ?

Also interested to know why Adyen won't or can't accept Partnerships and Trusts ?

Something to do with more than one signatory or something, harder to monitor and identify an entity than an individual ?

I shall do some googling.......

[martinomusic2014]

I have been buying and selling on ebay since it started and have been using three separate usernames for different markets, all with 100% feedback.  Although the buying and selling was always a 'hobby' there was the  occasional profit to be made.  As long as I could manage all of that within my Paypal account it was not a problem.  However, my financial advisor has told me that now if payments start showing in my bank account I will have to account for what they are for and where they came from.  So now, although I never saw it as a business, even as a hobby I would now have to keep records of everything including receipts for packaging materials, cost of petrol to and from post office etc to minimise any tax liability.  For the odd dollar here and there it is just not worth it.  I get that ebay has its corporate eye on the bigger online markets and is chasing Amazon for its share and probably happy to cast aside the private individuals that helped build it up to what it is today.  Similarly they now charge GST on everything from overseas, whether the goods or service require it or not, but how does a private individual go about claiming it back?  Exactly, we don't.   So ebay is obviously no longer interested in the few private sellers that will now use the other options - FB marketplace, Gumtree, Etsy etc.  My main interests have been music, buying and sometimes selling CDs and in a slightly richer market dollar-wise buying and selling guitars.  Thankfully there is Discogs to sell the former and Reverb is now the main market for musical instruments online.  For anyone else dissatisfied with ebay's new policy I suggest there will be an alternative online market for whatever your area of interest.

[katistrophik]

Sadly, income must be reported, all income, so while it is annoying nothing can be done.

This will be happening more on other platforms as well, (in fact it already is on Etsy) as online retail and service industry has increased so much that the Govt are no longer going to overlook it or call it Hobby Selling such as a garage sale etc.

I agree eBay and other large platforms are not for the periodic seller any more

[martinomusic2014]

 One has to wonder who is this 'katistrophik' expert who has all the answers?  Been a member for three years with the grand feedback total of 14; doesn't sound like an experienced ebay expert to me.  But obviously knows enough about business, taxes and government rules so thanks for that.