Why Linking PayPal to eBay is Essential for Sellers
To add your PayPal account to eBay, navigate to your eBay account settings, find the Payments section, and select the option to link a new payment method. You'll be prompted to log into your PayPal account to authorize the connection, ensuring secure and direct fund transfers for your sales.
- Link PayPal to eBay via account settings for secure transactions.
- Authorize the connection by logging into your PayPal account.
- Ensure direct fund transfers for all eBay sales.
- Prioritize account security during the linking process.
- Streamline payment collection and disbursement.
In the dynamic world of online commerce, eBay remains a powerhouse platform for buyers and sellers alike. For sellers, the ability to receive payments efficiently and securely is paramount to their success. Historically, PayPal has been the primary, and often only, way to facilitate these transactions on eBay. While eBay has introduced its own managed payments system, understanding how PayPal integrates, or how to manage it if still applicable for certain transactions or account types, is vital. This integration isn't just about receiving money; it's about establishing trust, streamlining operations, and ensuring a smooth buyer experience. When a buyer purchases an item, they need a reliable method to pay, and as a seller, you need that payment to be processed swiftly and deposited into an account you control. This is where the PayPal connection becomes critical, acting as the conduit for financial exchange. By correctly linking your PayPal account, you ensure that your hard-earned revenue flows directly to you, minimizing delays and potential complications.
The strategic importance of this linkage cannot be overstated. It impacts your cash flow, your ability to reinvest in inventory, and your overall operational efficiency. A correctly configured PayPal account means fewer administrative headaches and more time focused on growing your business. Conversely, an improperly linked account can lead to payment delays, transaction errors, and even account suspension, severely hampering your ability to sell. Therefore, approaching this setup with diligence and understanding is a fundamental step in establishing a robust eBay selling presence.
Common Mistakes When Linking PayPal to eBay
Many sellers stumble during the PayPal linking process, often due to overlooking critical details or making assumptions. One frequent error is attempting to link an old or inactive PayPal account, which can result in failed verification or transaction issues. Another common pitfall is not ensuring the PayPal account is verified and in good standing with PayPal itself; an unverified account may not be able to receive payments properly. Some users also mistakenly believe they need to link PayPal *every* time they list an item, rather than setting it up once as a primary payment method. This leads to confusion and missed sales opportunities. A more nuanced mistake involves not understanding how PayPal might interact with eBay's managed payments system, potentially leading to confusion about where funds are deposited if both systems are active or being phased out.
The financial implications of these errors are significant. Delayed payments mean delayed cash flow, impacting your ability to purchase new stock or cover operational costs. Transaction failures can frustrate buyers, leading to lost sales and negative feedback. Moreover, repeated linking errors can flag your account for review by both eBay and PayPal, potentially leading to temporary or permanent restrictions. It's crucial to recognize that this is a foundational setup step; getting it right from the start saves considerable trouble down the line. This requires a proactive approach, focusing on accuracy and understanding the current payment landscape on eBay.
Why These Mistakes Hinder Your eBay Sales
The core reason these linking mistakes hinder your eBay sales is the disruption of the buyer's journey and the seller's financial process. Buyers expect a seamless checkout experience. If their payment attempt via PayPal fails or is misrouted due to an improperly linked account, they are likely to abandon the purchase and seek alternatives. This directly translates to lost revenue and can negatively impact your seller metrics. For sellers, the primary goal is to receive funds reliably. When your PayPal account isn't linked correctly, funds might be held, returned, or sent to an incorrect destination, creating a frustrating administrative burden. This resource allocation inefficiency diverts your energy from strategic growth activities, like inventory management or marketing, towards troubleshooting payment issues. The impact assessment metrics, such as sales conversion rates and average transaction value, will undoubtedly suffer when payment processing is unreliable.
Furthermore, inconsistent payment processing erodes buyer trust. Buyers perceive sellers who experience frequent payment issues as less professional or less reliable. This perception can deter repeat business and discourage new customers from purchasing from you, regardless of your product quality or pricing. In essence, the integrity of the transaction is compromised, leading to a cascade of negative outcomes that undermine your entire eBay venture. Therefore, meticulous attention to detail during the PayPal linking process is not merely a procedural step but a critical component of risk mitigation and strategic implementation for any serious eBay seller.
The Step-by-Step Process: How to Add PayPal to eBay (Current Best Practices)
The process of linking your PayPal account to eBay has evolved, especially with the widespread adoption of eBay Managed Payments. For sellers primarily using Managed Payments, the focus shifts to linking your bank account for direct payouts. However, understanding how PayPal might still be relevant or how to manage it if you're on older systems or specific transaction types is key. Here’s a breakdown of the current best practices, focusing on linking bank accounts for payouts and how PayPal may fit in:
Step 1: Log In to Your eBay Account
Begin by accessing your eBay seller account. Navigate to the 'My eBay' section, and then locate the 'Account' or 'Seller Hub' settings. This is your central hub for managing all aspects of your selling activity, including financial information. Ensure you are logged in with the correct credentials to avoid any authentication issues that could complicate the linking process. A secure login is the first line of defense in protecting your financial data and ensuring the integrity of the connection you are about to establish. This initial step is foundational for all subsequent actions.
Step 2: Navigate to Payment Options/Payouts
Within your account settings, you'll need to find the section related to payments or payouts. For sellers operating under eBay Managed Payments, this is typically labeled 'Payouts' or 'Payment Options'. If you are still on an older system or looking to add PayPal as a buyer payment method (less common now for sellers), the path might be slightly different, often under 'Payment Preferences' or 'Account Settings'. The exact wording can vary, so look for terms that directly relate to how you receive money or manage your financial transactions on the platform. Understanding the current ecosystem is key to finding the correct menu item.
Step 3: Link Your Bank Account (for Managed Payments)
If you are part of eBay Managed Payments, the primary action is to link a bank account for direct deposits. eBay will require your bank account number, routing number, and potentially other verification details. This is a secure process, and eBay uses this information to deposit your sales earnings directly. It’s crucial to enter this information accurately. Double-check the routing and account numbers; a single digit error can lead to significant delays or failed deposits. This step is essential for efficient resource allocation, as it ensures your revenue reaches you promptly and reliably, forming the bedrock of your financial operations on eBay.
Step 4: Authorize and Verify the Connection
Once you've entered your bank details or initiated the PayPal linking process (if applicable), eBay will guide you through an authorization and verification phase. For bank accounts, this often involves small test deposits from eBay that you need to confirm. For PayPal, you would typically be redirected to PayPal's site to log in and grant eBay permission to access your account for specific functions. Completing this verification is non-negotiable. It confirms that you own the account and authorize eBay to interact with it, ensuring both security and functionality. This verification step is a critical risk mitigation tactic.
Step 5: Confirm and Save Settings
After successful verification, you will usually be prompted to confirm and save your changes. Review all the linked information one last time to ensure accuracy. Once saved, your PayPal account or bank account will be active for eBay transactions. This confirmation solidifies the strategic implementation of your payment method. You have now successfully set up your payment preferences, ready to receive funds from your sales. Always ensure you understand where your payouts will go – typically a bank account for Managed Payments, and this completes the primary setup.
Verify your PayPal account has a confirmed email address and is in good standing before attempting to link it to eBay to prevent any unexpected issues.
How PayPal Fits In (Buyer Perspective & Older Accounts)
For buyers, PayPal often remains an option for payment on eBay, depending on the region and seller's setup. They can choose PayPal during checkout, and eBay's Managed Payments system will then process that payment and route the funds (minus fees) to your linked bank account. As a seller on Managed Payments, you don't typically need to 'link' PayPal directly to your seller account for payouts anymore; eBay handles the financial orchestration. However, if you are on an older system or have specific business needs, the direct PayPal linking process is accessed via 'Payment Preferences' and involves logging into PayPal to authorize the connection. It's essential to consult eBay's current policies as this landscape continues to evolve, and strategic alignment with platform changes is key.
Troubleshooting Common PayPal and eBay Payment Issues
Even with careful setup, payment issues can arise when integrating PayPal with eBay, or when dealing with eBay's Managed Payments system. These problems can range from minor glitches to significant transaction failures, impacting sales, cash flow, and seller reputation. Understanding the common pain points and their solutions is crucial for maintaining a smooth operation and providing a reliable experience for your buyers. Proactive troubleshooting can prevent larger problems down the line, saving you time and potential financial loss. It’s about being prepared for the inevitable complexities of online financial transactions.
Issue 1: Payments Not Being Received
This is arguably the most critical problem a seller can face. If payments are not being received, it's usually due to one of several reasons: the PayPal account is unverified or has limitations, the bank account linked to eBay Managed Payments is incorrect or unverified, or there's a temporary hold or suspension on either your eBay or PayPal account. eBay might place a hold on payouts if there are policy violations, account security concerns, or if you're a new seller. PayPal may limit accounts due to suspicious activity or non-compliance with their terms.
To address this, first, check your eBay 'Seller Hub' for any notifications or holds. Ensure your linked bank account details are accurate and have passed eBay's verification process. If you are still using PayPal for direct payouts, log into your PayPal account to check its status, verification level, and any pending transactions or limitations. Contacting eBay support and PayPal support directly with specific details about the missing payments is often necessary. Resource allocation efficiency is key here; don't waste time guessing – get direct answers from the platforms.
Issue 2: Transaction Errors or Reversals
Errors during checkout or payment reversals are frustrating for both buyer and seller. Common causes include insufficient funds in the buyer's PayPal account or linked bank account, expired credit cards used through PayPal, or security flags raised by either eBay or PayPal. Sometimes, incorrect currency settings or international transaction issues can also lead to errors. Payment reversals, especially from PayPal, can occur if a buyer disputes a charge, claims unauthorized use, or if the item is not as described and a refund is issued. These reversals can occur even after funds have been disbursed to you, leading to a negative balance.
For transaction errors, advise the buyer to check their payment method details and retry. If you suspect a widespread issue, check eBay's system status or contact support. For reversals, it's crucial to understand the reason provided by PayPal or eBay. If it's a buyer dispute, gather all evidence of shipment and delivery, and communicate professionally through the dispute resolution process. Understanding the terms of service for both platforms is a vital risk mitigation tactic to navigate these disputes effectively. This ensures you are prepared to defend your position with factual data.
Issue 3: Inability to Link/Update PayPal or Bank Account
Sometimes, the technical process of linking or updating your payment information simply won't work. You might encounter error messages, or the system might not recognize the details you've entered. This could be due to incorrect formatting of bank details, browser cache issues, or a temporary system glitch on eBay's or PayPal's end. If you have multiple PayPal accounts, you might accidentally be trying to link one that is already associated with another eBay account, or one that doesn't meet PayPal's eligibility requirements for integration.
To fix this, try clearing your browser's cache and cookies, or attempt the process using a different web browser or device. Ensure all your bank account and PayPal information is entered precisely as it appears on your official statements. If you have multiple PayPal accounts, log out of all of them and then log back into the specific account you intend to link. If the problem persists, contacting eBay customer support is the next logical step. They can often identify specific errors or provide workarounds. This attention to detail in the technical setup is part of strategic implementation guidelines.
Issue 4: Buyers Reporting PayPal Issues
Even if your own PayPal account is correctly linked, buyers might report issues using PayPal to pay for your items. This is often outside your direct control but impacts your sales. Reasons can include the buyer's PayPal account being limited or unverified, their linked payment methods (cards/bank accounts) within PayPal expiring or being declined, or issues with PayPal's own servers. Sometimes, buyers might be trying to use an older PayPal balance that is insufficient.
The best approach here is to guide the buyer to contact PayPal support directly. You can inform them that your account is set up correctly and that the issue appears to be on their end or with PayPal's processing. Politely suggest they verify their PayPal account details and payment methods. This maintains a professional interaction while directing them to the appropriate support channel. This ensures you focus your efforts where they can be most effective, rather than getting bogged down in external system problems. Impact assessment metrics like 'buyer communication' can be positively influenced by a clear, helpful response.
Optimizing Your Payment Process for Maximum Efficiency
Achieving maximum efficiency in your eBay payment process involves more than just linking accounts; it requires a strategic approach to how funds are managed, how quickly you can access them, and how seamlessly transactions occur. With eBay Managed Payments, the primary goal is to ensure your linked bank account is always up-to-date and correctly configured for timely payouts. For sellers who might still leverage PayPal in some capacity, ensuring its optimal performance is also key. Streamlining these financial workflows frees up valuable time and resources, allowing you to focus on sales, inventory, and customer service.
Strategy 1: Automate Payouts and Monitor Regularly
Under eBay Managed Payments, you can typically set your payout schedule (e.g., daily, weekly). Automating this process ensures you receive funds regularly without manual intervention, significantly improving cash flow management. However, don't just set it and forget it. Regularly monitor your 'Payouts' section in eBay to confirm that disbursements are happening as scheduled and that amounts are correct. Unexpected dips or holds require immediate investigation. This consistent monitoring is a key impact assessment metric for your financial health.
Consider the digital efficiencies gained by having a predictable income stream. This allows for better budgeting and planning for inventory purchases, marketing campaigns, and operational expenses. The data indicates a clear path forward: automation combined with vigilant oversight. This strategy is paramount for scalability considerations, as it ensures your financial infrastructure can handle increasing sales volume without becoming a bottleneck.
Strategy 2: Maintain Accurate PayPal and Bank Information
Your linked bank account and PayPal account details are the gateways for your earnings. Any inaccuracy—an old account number, a closed bank, or an incorrect PayPal email—will halt the flow of funds. Make it a habit to review and confirm this information quarterly, or immediately after any changes to your banking or PayPal setup. This simple step is a powerful risk mitigation tactic that prevents costly errors and delays. Process optimization relies heavily on the integrity of foundational data.
When you update your bank details or PayPal information, ensure you complete all verification steps thoroughly. For bank accounts, this might involve test deposits. For PayPal, it's granting authorization. Rushing this can lead to incomplete links. Unlock tangible value through meticulous data management; it's the bedrock of a smooth financial operation on eBay.
Strategy 3: Understand Fee Structures
Both eBay and PayPal (if used for specific transactions or services) have fee structures. Understanding these fees—including listing fees, final value fees, payment processing fees, and PayPal's own transaction fees—is critical for accurate profit calculation and pricing strategies. When setting prices, factor in all these costs to ensure profitability. Miscalculating fees can lead to selling items at a loss, directly impacting your bottom line. This requires careful consideration of resource allocation, ensuring that your pricing adequately covers all associated costs.
Familiarize yourself with eBay's fee breakdown, which is usually available in your Seller Hub or Help section. If using PayPal for any reason, check their current fee schedule as well. Knowledge of these costs is not just about saving money; it's about strategic financial planning and ensuring the long-term viability of your eBay business. The data indicates that sellers who meticulously track fees are more likely to achieve sustained profitability.
Strategy 4: Leverage Buyer Payment Options Strategically
While you primarily control how you *receive* money, offering buyers familiar and convenient payment methods can increase sales. eBay Managed Payments handles most of this automatically, but understanding which methods are available and preferred in different markets can be beneficial. If buyers encounter issues with PayPal, having alternative options available through eBay (like credit/debit cards processed directly by eBay) ensures the sale isn't lost. This strategic implementation of buyer convenience can lead to higher conversion rates.
Set up automatic payment reminders for buyers who haven't paid within the expected timeframe to reduce manual follow-ups and speed up the transaction cycle.
By implementing these strategies, you move beyond merely linking accounts to actively optimizing your entire payment ecosystem. This proactive approach ensures that your eBay business runs smoothly, profitably, and can scale effectively to meet future demands. Consider the digital efficiencies gained by a well-oiled financial machine.
Understanding PayPal and eBay's Evolving Relationship
The financial landscape of eBay has undergone significant changes, most notably with the widespread implementation of eBay Managed Payments. This evolution has fundamentally altered how sellers receive funds and how PayPal fits into the equation. Previously, PayPal was the primary gateway for all eBay transactions. Now, eBay processes payments directly, and funds are typically disbursed to a linked bank account. Understanding this dynamic shift is crucial for sellers to manage their finances effectively and avoid common pitfalls.
The Shift to Managed Payments
eBay's move to Managed Payments was designed to simplify the selling process, offer buyers more payment options, and provide sellers with direct access to their earnings in a more streamlined fashion. Under this system, eBay handles everything from processing buyer payments (including credit cards, PayPal, and other methods) to calculating and deducting fees, and finally disbursing the net amount to your bank account. This centralization aims to reduce confusion and improve the overall transaction experience for both parties. The impact assessment metrics eBay focused on were likely transaction completion rates and seller satisfaction.
For sellers, this means that if you are on Managed Payments, you primarily need to ensure your bank account details are correctly linked and verified within eBay. The direct linking of a PayPal account as a *payout* destination is largely obsolete for most sellers. However, PayPal remains a prominent *payment method* for buyers, which eBay then processes. This is a key distinction to grasp for accurate resource allocation of your time and attention.
When Might PayPal Still Be Directly Involved?
While direct seller payouts via PayPal are rare on Managed Payments, there are a few scenarios where PayPal might still be directly relevant for sellers:
- Older Accounts: Some sellers on very old eBay accounts might still operate under the legacy payment system where PayPal is directly linked for payouts. If you haven't migrated, you'll need to manage this connection.
- Specific Transaction Types: In certain niche categories or for specific types of transactions (e.g., certain international sales, or specific services), eBay might still direct sellers to link PayPal. This is becoming increasingly uncommon.
- Buyer Payments Processed by eBay: As mentioned, even on Managed Payments, buyers can choose PayPal. eBay then uses its integration with PayPal to process this payment from the buyer's PayPal account and routes the funds to your bank account. You don't link your PayPal account for this; eBay handles the integration.
The strategic implementation of payment processing requires staying informed about these nuances. Understanding when PayPal is a payment *option* for buyers versus a payout *destination* for sellers is critical. This ensures you are not wasting time trying to link an account for a purpose that eBay Managed Payments no longer supports directly.
How to Check Your Account's Payment Status
To determine how your account handles payments, navigate to your eBay 'Seller Hub'. Look for sections like 'Payments' or 'Payouts'. If you see options to link a bank account for direct deposits and details about eBay processing all payments, you are on Managed Payments. If you still see options to link your PayPal account directly for receiving funds, you might be on the legacy system. This clarity is fundamental for setting up the correct financial processes and avoiding confusion. It’s vital for optimizing your digital workflow and ensuring scalability.
The evolution of eBay's payment system prioritizes direct bank transfers for sellers, making PayPal primarily a buyer's payment option rather than a seller's direct payout channel.
The Future of PayPal on eBay
The trend clearly indicates a move away from direct PayPal integration for seller payouts on eBay. eBay aims to consolidate payment processing and disbursement under its own platform to enhance control, security, and user experience. While PayPal remains a popular payment method for buyers, its role as a direct conduit for seller earnings is diminishing. Sellers should focus their efforts on understanding and optimizing their eBay Managed Payments setup, ensuring their bank account is correctly linked and verified. This focus aligns with the platform's strategic direction and ensures long-term operational efficiency. Consider the digital efficiencies gained by aligning with the dominant payment flow.
Security Best Practices for PayPal and eBay Connections
Securing your financial accounts is paramount when linking services like PayPal and eBay. The integration of these platforms handles sensitive financial data, making them attractive targets for cybercriminals. Implementing robust security measures protects not only your funds but also your personal information and your eBay seller reputation. A breach can lead to financial loss, identity theft, and significant disruption to your business operations. Therefore, prioritizing security is not just an option, but a necessity for sustainable online selling.
1. Use Strong, Unique Passwords
Your password is the first line of defense. Use a strong, unique password for both your eBay and PayPal accounts. Avoid using easily guessable information like birthdays or common words. A strong password typically includes a mix of uppercase and lowercase letters, numbers, and symbols. Crucially, never reuse passwords across different online services. If one account is compromised, others remain secure. Employing a password manager can help generate and store complex passwords securely, enhancing your resource allocation efficiency by reducing the mental load.
2. Enable Two-Factor Authentication (2FA)
Two-factor authentication adds an extra layer of security by requiring a second form of verification besides your password, usually a code sent to your phone or generated by an authenticator app. Both eBay and PayPal offer 2FA. Always enable this feature on both platforms. It significantly reduces the risk of unauthorized access, even if your password is stolen. This is a critical risk mitigation tactic that effectively fortifies your accounts against brute-force attacks and credential stuffing.
3. Be Wary of Phishing Attempts
Phishing scams are designed to trick you into revealing your login credentials or financial information. Be highly suspicious of unsolicited emails, messages, or calls claiming to be from eBay or PayPal, especially if they ask for personal details, financial information, or prompt you to click on suspicious links. Always verify the sender's identity and navigate directly to the official eBay or PayPal websites to log in or check account status. Never click links in suspicious communications. The impact assessment here is clear: vigilance prevents devastating security breaches.
4. Review Account Activity Regularly
Make it a routine to check your account activity logs for both eBay and PayPal. Look for any transactions, login attempts, or changes to your account settings that you don't recognize. Promptly report any suspicious activity to the respective platform's support team. This regular review helps you detect fraudulent activity early, minimizing potential damage. Unlock tangible value through diligent oversight; early detection is often the most effective form of damage control.
Never share your eBay or PayPal login details or security codes with anyone, including customer support representatives, unless you are absolutely certain of their legitimacy and initiated the contact yourself.
5. Secure Your Devices and Network
The security of your accounts also depends on the security of the devices and networks you use. Ensure your computer and mobile devices are protected with up-to-date antivirus software and operating system updates. Use a secure, password-protected Wi-Fi network, especially when conducting financial transactions. Avoid using public Wi-Fi for sensitive activities. This holistic approach to security covers potential vulnerabilities across your entire digital footprint, ensuring a robust defense system.
6. Understand Data Sharing and Permissions
When linking accounts, you grant certain permissions. Be aware of what data you are allowing eBay or PayPal to access. Review the terms and conditions, and manage your connected apps and permissions within your account settings periodically. This ensures that only necessary access is granted and that you maintain control over your information. This aligns with strategic implementation guidelines for data privacy and security.
Frequently Asked Questions About Adding PayPal to eBay
Navigating the integration of payment systems can bring up many questions. Here are answers to some of the most common queries about adding PayPal to eBay, covering both current practices with Managed Payments and legacy system considerations.
How do I set up a PayPal account for eBay if I'm a new seller?
As a new seller on eBay Managed Payments, you'll primarily link a bank account for payouts. PayPal is typically a payment *option* for your buyers, not a direct payout destination for you. You'll set up your bank account during the eBay Managed Payments onboarding process. If you don't have a PayPal account, you can create one separately on PayPal's website to potentially use as a buyer payment method, but it's not required for seller payouts on the modern system.
Do I still need a PayPal account to sell on eBay?
For most sellers on eBay Managed Payments, you no longer *need* a PayPal account to receive payouts. eBay directly deposits funds into your linked bank account. However, buyers may still use PayPal to pay for items, and eBay processes these payments. If you wish to offer PayPal as a buyer payment method, you can ensure it's enabled in your payment options, but your seller payouts will go to your bank.
How can I switch my PayPal account on eBay if I have multiple?
If you are on the legacy system and need to switch the PayPal account linked to eBay, you'll typically need to unlink the old PayPal account first from your eBay Payment Preferences. Then, you can proceed to link the new PayPal account by logging into that specific account during the authorization process. Ensure you select the correct PayPal account when prompted by eBay to avoid linking the wrong one. This ensures accurate resource allocation for your funds.
What if my PayPal account is not verified, can I still link it?
Linking an unverified PayPal account to eBay might be possible, but it often leads to limitations or failed transactions. PayPal requires verification (linking a bank account or card) to fully activate an account and remove sending/receiving limits. For seamless operations on eBay, especially for payouts on legacy systems, it's strongly recommended to have a fully verified PayPal account. This ensures your funds can be processed without interruption.
How do I update my PayPal account on eBay if my details change?
If your PayPal details change (e.g., email address, linked bank account), and you are on a legacy system where PayPal is linked for payouts, you must update this information in both your PayPal account and then reflect the changes in your eBay Payment Preferences. This usually involves unlinking the old PayPal account and re-linking the new, updated account. For Managed Payments users, the primary update concern is your bank account details linked directly to eBay.
How long does it take for funds to appear after linking PayPal to eBay?
With eBay Managed Payments, funds from sales are typically disbursed to your linked bank account on a schedule you set (daily, weekly). The actual time it takes for funds to appear in your bank depends on your bank's processing times, usually 1-3 business days after disbursement. If you are on a legacy system and PayPal payouts are directly linked, funds are usually available in your PayPal account quickly after the transaction, but transferring from PayPal to your bank account takes additional time.
Can I unlink my PayPal account from eBay?
Yes, you can unlink your PayPal account from eBay if it's linked via the legacy system. Navigate to your eBay 'Payment Preferences' and find the option to manage or remove your linked PayPal account. If you are on Managed Payments, you won't typically have a PayPal account directly 'linked' for payouts, so there's nothing to unlink in that context. Your primary financial link will be your bank account within eBay's system.