@waddingtonfirstaid wrote:
So, how long do you think it will take eBay to implement fee-free paying options within their Managed Payments' structure and rob us of the benefit? I believe this is the real motive for what we see here and this has put eBay on notice that should they implement PayID or Direct Bank Deposit options as a part of their Managed Payments, they must forward sellers an equivalent drop in FVF fees in the order of 1.6%, indicative of the above example, if a buyer uses a fee-free service to pay.
Et*y hasn't figured out a way to do it. and I've been using their version of managed payments for the last 6 years (don't actually know how long it's been around). Admittedly they are in a slightly different position - they only have the one site that adjusts based on the user location, while eBay has multiple, separate sites for individual countries, but they figured out everything else.
That being said - I didn't even bother enabling the bank deposit option over there, and over those 6 years, only one person has ever asked for it. I have it enabled here, and used to get a few payments a week via BD, now it's a few payments a year, so while there may be some sellers who get a higher proportion of bank deposit payments, I suspect it wouldn't be worth the cost and time to implement it as part of managed payments. They have not announced any plans to disable bank deposit, either - in fact they've stated the opposite.
I recommend everyone read the ful terms of use for the new managed payments system, which can be found here:
https://pages.ebay.com.au/payment/2.0/terms.html
It's very informative, in the usual eBay way, but clarified a few things for me. eg re dispute fees, if I understand this correctly, a dispute fee will be charged to the seller if the buyer disputes a payment with their card provider or payment service, not an INR or INAD with eBay, and the seller is found responsible (the word liable should really be used here, responsible has very different connotations). Below is a copy / paste from the TOU (note - I expect it says "direct debit reversal" due to how Afterpay collect payments, and that if you can provide proof of delivery, you can qualify for seller protection - with PayPal only requiring proof of post, it would be nice to know how eBay would deal with a chargeback for a payment made via Paypal, though. I'd be quite....disconcerted if eBay benefit from PayPal's policies while the seller has to comply with eBay's).
"In the event that a buyer or the owner of a payment instrument initiates a chargeback, a direct debit reversal, a PayPal buyer protection claim, or otherwise asks their financial institution to open a payment dispute (all referred to as "Dispute") in connection with a Managed Payments transaction, you understand that we may investigate and, in our discretion, represent the Dispute with the credit and debit card networks or other payment method providers. You agree to provide timely information to assist in our Dispute investigations and understand that your failure to provide requested information on the timeline we require and as specified by credit and debit card networks' and other payment service providers' rules could adversely impact the outcome of a Dispute investigation, up to complete forfeiture of the amounts in dispute. You will not contest the resolution of any Dispute that we investigate and/or re-present, nor will you re-open resolved Dispute investigations. You authorize us to pay on your behalf any amounts resulting from a Dispute, including costs and fees associated with re-presentment."
Thought the following paragraph was also interesting...
Although you accept the finality of our chargeback investigations, we may from time to time ask for your consent to participate in an optional arbitration process brought by us to contest the results of an individual chargeback. If you consent to chargeback arbitration, you authorize us to represent and defend you throughout the arbitration. You will be responsible for all costs and expenses, including reasonable legal fees and any arbitration fees assessed by third parties, arising from such arbitration proceedings, and you authorize us to pay these amounts on your behalf while the arbitration is pending."
