How eBay's payment system works in 2026 — payouts, fees, accepted methods, and what changed when PayPal left.
Try RGLister — $2.95 See the TooleBay Managed Payments is eBay's native payment processing system that replaced PayPal as the default payment method. eBay processes all buyer payments directly — credit cards, debit cards, Apple Pay, Google Pay, and PayPal are all accepted at checkout. Sellers receive payouts directly to their bank account.
eBay initiates payouts 1-2 business days after a sale's estimated delivery date passes. New sellers start on a 21-day hold for their first 90 days or 25 transactions — whichever comes first. After meeting eBay's performance thresholds, payouts move to the standard 1-2 day schedule. You can set daily, weekly, or on-demand payouts.
The payment processing fee is built into eBay's overall fee structure — there is no separate PayPal fee anymore. Your total cost is now: Final Value Fee (13.25% for most categories) + $0.30 per transaction. For most sellers, this is similar or lower total cost than the old FVF + PayPal fee structure.
eBay issues 1099-K forms for sellers with over $600 in gross sales per the current IRS threshold. Keep records of your cost of goods, eBay fees, shipping costs, and packing supplies — all are deductible business expenses that reduce your taxable eBay income.
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