AMENDED ON 24th OCTOBER 2010
You can now no longer sell without auto payments on your account in the UK at least. I am pretty annoyed about this, however i still need to use eBay, so back it has to go.
However, ..there is no reason at all you cannot log into your Paypal account once you have listed your item and then remove the card or bank account you just added immediately after listing the item.
…which i am now going to do just out of principal.
That sounds like such a silly name for a blog post, but i kid you not, someone has to do it otherwise many of you risk the same fate as myself when it comes to your monthly ebay bill.
Ebay owns PayPal, we all know this, and since ebay bought paypal they have been encouraging sellers to sign up to their new ‘automatic payments’ whereby rather than sending you your ebay invoice at the end of the month, they simply automatically deduct the money from your card/bank account attached to your paypal account which is of course attached to your ebay account.
Now don’t get me wrong, i am not having a huge dig at ebay here, i understand the obvious decrease in administration with such a move, no longer chasing unpaid invoices, suspending accounts etc, ..no let PayPal, masters of screwing you over when you least expect it deal with being heavy handed, chasing debats and generally continuing along their path as one of the more useful companies to hold the ‘devil you know‘ moniker in my eyes.
What i object to is this, …THE RANDOM TIMING OF TAKING THIS MONEY AS AND WHEN THEY FELL LIKE IT FORM YOUR BANK ACCOUNT.
My ebay bill for the past few months has beenjust under £100, eBay sent me an invoice in July and i noted it, did not even see the automatic payment text (was it there or not, i am not going back to check) so as usual i left the email in my inbox to deal with in a few days.
Ok, a little home truth here i feel is required, …let’s let that few days turn into a few weeks, ..not more than 3 though :) and i get a letter from my bank informing me that an automatic paypal payment has been declined due to not enough funds.
Now hold on a minute, …i didn’t make a paypal payment !!.
Well it turns out i did, well eBay did on my behalf.
I was furious, it cost me a completely unnecessary £30 bank charges just because i had not moved money from a savings account to cover the fee i had not budgeted for.
This was not on, so i logged immedately into my ebay to remove the automatic payment method.
I went to My Ebay > Account ..and near the bottom of the page was the ‘Payment methods for Seller Fees’ box which allowed me to ‘change’ my automatic payment method. Well, change it i could, ..for an automatic debit, credit or paypal payment, ..but hold on a minute, NO OPTION TO REMOVE IT.
Well i won’t go into too much more unnecessary detail, you might guess like may others, i gave up at this point and went about my life, aware of a new evil, however when the next months bill came in, this time i allowed more than the money in my bank account to cover it, …and there it sat for 22 days !!
22 days after eBay invoiced me PayPal finally decided to take the payment. You guessed it, again i was a couple of pounds short, 3 weeks later i had forgotten about the money being reserved for eBay in my account, ..and went and stuck it in my van in petrol.
Now eBay would tell you that a) they only instruct paypal to take the money, they do not control them and b) it is my responsibility to watch my finances and maintain enough money.
I would tell them this a) if i instruct a company (whether i own it or not) to collect monies on my behalf, it is most certainly my responsibility and of utmost importance to my business and its reputation that they do so in a fair and honorable manner, and b) Invoices come with due dates, and automatic payment notifications come with debit dates.
I pay my broadband, phone, vodaphone card, electricity, water, gas, council tax, etc etc ALL by direct debit or standing order and THEY ALL tell me on my which on or around which date the money will be taken.
At this stage i of course got onto ebay, and only when on the phone did the agent tell me just how to remove the automatic payment option, which was so random and hidden that i feel i must share it for others to see.
So here it is.
Log into your ebay account and in the top right hand menu mouse over ‘HELP’ and then when it drops down ‘HELP TOPICS’.
Then type ‘automatic payments’ into the search box, and click on the top link as shown below.
Now scroll all the way to the bottom, …don’t stop or click on anything, they may look like the answer, but all links lead back to CHANGING your payment method, not stopping it from being automatic.
However there is one little paragraph at the bottom entitled ‘Removing a payment method from your account’ this has 3 links, ..the first is an easily overlooked ‘click here’ link, ..THIS IS THE ONE, THE HOLY GRAIL OF REMOVING THE AUTOMATIC PAYMENT METHOD.
I hope this has proved useful to you, it is worth mentioning that i requested eBay repay me half of my bank changes (£30) which they said they could not do (i guess this constituted admitting they were on the wrong), but they did agree to credit me £20 to my account for future purchases, which for once i thought was a fair compromise.
IMPORTANT ADDITIONAL INFORMATION:
I woke up this morning to find out that although i have removed ny automatic payment from eBay, it is not removed from PayPal and they will just continue to try and take the money. Literally, they tried to debit my bankaccount directly, refused, £30 charges incurred, …then immediately they tried to debit my card attached to my bank account, refused, £30 charges incurred!!
I spoke to ebay, they say they requested the automatic payments be removed so it is a paypal issue, paypal say, the automatic payment notification is still on my account, it is an ebay issue. That is it, i can get no further, and after 2 hours on the phone, £60 in bank charges i give up, …it is not worth my sanity or a new phone which is going to be the outcome if i spend anymore time on the phone to these idiots as i will simply hurl it against the wall.
You have to go into your paypal account > profile > Financial information > Pay list ..and then click onthe ebay automatic payment request, and CANCEL.
I am off to cnsole myself with food.