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Handling payment disputes

If your buyer opens a payment dispute, you can generally choose to accept the dispute, or challenge the dispute with supporting evidence.

Important
The information on this page applies only to customers who live in The Philippines, Malaysia, or Singapore. Customers who live outside these locations should read our article on handling payment disputes.

A payment dispute is when a buyer requests their money back by reporting an issue with their order to their bank, credit card provider, PayPal, or other payment institution. This is different to our eBay Money Back Guarantee, when your buyer reports an issue with their order on eBay. The disputed amount may be placed on hold until the issue is resolved. This is different to a hold being placed on your payouts, when you may need to take further action on your eBay account to resolve the issue.

When your buyer opens a payment dispute, we’ll contact you to let you know what the next steps are. To respond, you'll need to either accept or challenge the payment dispute within 5 calendar days - if you don’t respond, the payment institution is likely to find in your buyer's favour. You can respond through My eBay Sold or Requests and disputes in Seller Hub. The final outcome will be decided by the buyer’s payment institution.

Responding to a payment dispute

When responding to a dispute, you may choose to:

  • Accept the dispute, or
  • Challenge the dispute

Accepting the payment dispute

If you agree with the buyer, or you’d prefer not to challenge the payment dispute, you can accept the dispute. Here’s how:

  1. Select Respond to dispute from My eBay Sold or Requests and disputes in Seller Hub.
  2. Select Accept the dispute and select Continue.
    • To request a return, select Try to get my item returned and verify or edit your return address
  3. Select Accept.

When you accept the payment dispute, the amount will generally be paid from the total of your Available, Processing, and On hold funds. If you don’t have enough funds to cover the cost of the refund, the amount will be paid from your on-file payment method. We’ll close the payment dispute once the buyer's payment institution confirms the refund. We’ll also waive the dispute fee and you may receive fee credits for some or all of your fees for the disputed transaction.

Tip
In some cases, eBay may respond to a payment dispute on your behalf, even if you accept the dispute. If you accept the dispute and eBay challenges the dispute on your behalf, you won't be charged a dispute fee.

Challenging the payment dispute

If you don't agree with the buyer, you can challenge the payment dispute and provide some supporting evidence to help resolve the issue. Here’s how:

  1. Select Respond to dispute from My eBay Sold or Requests and disputes in Seller Hub.
  2. Select Challenge dispute and provide proof and select Continue.
    • To request a return, select Try to get my item returned and verify or edit your return address
  3. Make sure the information is correct, and/or upload new evidence.
  4. Select Submit.

Providing evidence for the payment dispute

Because different types of evidence can be more helpful in certain cases, we recommend providing different types of evidence depending on the type of payment dispute. We'll send all evidence to the buyer's payment institution.

Buyer doesn’t recognise the transaction or Buyer didn't receive the item

Type of itemRecommended evidence
A physical item that's been shipped, except for vehicles
  • Tracking information showing the order was delivered successfully to the shipping address that matches the address on the order details page.
  • Signature confirmation when an order total is greater than or equal to $750
  • The signature confirmation requirement may be different based on the site of transaction
A physical item collected by local pickup (directly from the seller), except for vehicles
  • A copy of the eBay order details, signed by the buyer at the time of collection
Vehicles when they’ve been shipped
  • Proof of delivery, or
  • Shipping confirmation (bill of lading, shipping receipt) - when the vehicle is still in transit
Vehicles when they’ve been picked up
  • A receipt with item details, signed by the buyer
Digitally delivered or other intangible items, e.g. non-fungible tokens (NFTs), digital gift cards, travel services, events
  • Proof that the item was used
  • Proof that the service was provided
  • Proof that the item was digitally delivered, e.g. with the buyer's email address or IP address for NFTs
  • Proof the item was accessed by the buyer
 

Item doesn't match the listing or Item was damaged when received or Item received had missing parts

Type of itemRecommended evidence
Any physical or digitally delivered item
  • A clear photo showing the item is as described and its condition pre-shipping
  • Messages with the buyer showing the issue has been solved, e.g. a partial refund or seller solution was accepted
  • Any other evidence that proves the item was returned in a different condition
 

Item wasn't authentic

Type of itemRecommended evidence
Any physical or digitally delivered item
  • Proof of authenticity from the rights owner
  • Messages with the buyer showing attempt to resolve issues prior to dispute
 

Buyer didn't receive a refund

Type of itemRecommended evidence
Any physical or digitally delivered item
  • Proof that a refund was already provided on eBay
  • Proof of cancellation
  • Your stated return policy
  • Messages with the buyer showing that a refund isn’t required
  • Proof that the item wasn't returned in a different condition, or that a different item was returned

 

Before you upload an image, it helps to crop the image to the relevant area. You can also compress or merge images if you wish. Your image can be in JPEG, JPG, or PNG format. The maximum file size is 1.5 MB.

When you challenge the payment dispute, the final outcome will be decided by the buyer’s payment institution. The payment dispute could take up to 90 days or more to be resolved, depending on the payment method or card provider. eBay may hold the funds from payout up to 30 days from when the dispute arises.

If the dispute is found in your favour, you won't be charged for a refund and you won’t have to pay a dispute fee.

If the dispute is found in the buyer's favour, they’ll receive a refund. Whether you're charged for the refund and whether you have to pay a dispute fee depends on whether you're eligible for our payment dispute seller protections.

If you’re not eligible for seller protections, the refund amount will generally be deducted from the total of your Available, Processing, and On hold funds, and you’ll be charged a dispute fee. If you are eligible for seller protections, you won’t be charged the refund amount and we may also waive or refund the dispute fee.

Dispute fees

If a buyer files a payment dispute, and you’re found responsible for the disputed amount, you may be charged a dispute fee by eBay. If you accept the payment dispute and issue a refund, eBay will waive the dispute fee, and you’ll be responsible for the refund amount issued to your buyer. The amount of the dispute fee depends on which eBay site the listing was created on. Below, you'll find the links to our fees pages for the eBay sites where we charge a dispute fee:

Tip
If you ask for an item to be returned to you during a payment dispute, we’ll try to recover the item for you, regardless of whether you accept or challenge the payment dispute. However, we can’t guarantee the buyer will return the item.

Checking the status of a payment dispute

Once you've responded to a payment dispute, we'll email you with any updates about the status of the dispute. You can also check the status of the dispute at any time by finding the order in My eBay Sold or Requests and disputes in Seller Hub.

In some cases, your buyer's payment institution may reopen a closed payment dispute. If this happens, you ;may be asked to provide additional evidence for challenging the dispute.

Avoiding payment disputes

A buyer may open a dispute if:

  • They didn't receive their item
  • The item doesn't match the description in your listing
  • They didn't recognise the transaction
  • They were charged more than once for an item or for the transaction
  • They changed their mind or cancelled the transaction
  • They’re missing a credit or a refund

To help prevent payment disputes, you should always:

  • Create detailed, accurate listings
  • Include multiple, high-quality photos of your items
  • Use a tracked shipping service with proof of delivery to the address provided by the buyer at checkout
  • Include signature confirmation if an order has a total cost (including shipping and taxes) of $750 or more. Learn more about signature confirmation requirements
  • Be responsive to buyers who contact you through eBay Messages and work to resolve any issues
  • Keep any messages and supporting documentation through eBay tools
  • When issuing a partial refund, provide information to your buyer as to why you didn’t issue a full refund. For example, "as agreed, deducted 5% from the refund instead of returning the item"

Buyers can't use more than one resolution method to get a refund. If a buyer opens a dispute, any open order cancellations, reports that an item hasn't arrived, return requests, or eBay Money Back Guarantee cases for the same transaction are immediately closed.

 

Tip
You can respond to a dispute in My eBay Sold or Requests and disputes in Seller Hub within 5 calendar days.

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