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eBay — Payments Terms of Use

Old 2026-10-19 16:18 UTC

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	Snapshot 2026-10-19 16:18 UTC			Snapshot 2026-10-21 08:17 UTC
	2			2
	3	Expand All Sections		3	Expand All Sections
	4			4
n	5	**Effective July 30, 2026, for sellers who accept these Payments Terms of Use du	n	5	**Effective October 21, 2026, for sellers who accept these Payments Terms of Use
	>	ring new seller registration or otherwise on or after that date; effective Augus		>	during new seller
	>	t 13, 2026, for all other sellers.**
				6	registration or otherwise on or after that date; effective November 4, 2026, fo
				>	r all other
				7	sellers.**
	6			8
	7	The previous version of these Payments Terms of Use can be accessed by clicking		9	The previous version of these Payments Terms of Use can be accessed by clicking
	>	here .		>	here .
	8			10
	9	## Introduction		11	## Introduction
	10			12
n	11	These Payments Terms of Use (“ Payments Terms of Use ”) explain how the eBay	n	13	These Payments Terms of Use (“ Payments Terms of Use ”) explain how the eBay
	>	Payment Entities offer you Payment Services (as defined below in Part I, Sectio
	>	n 1) in connection with your use of the eBay Services. Your use of the eBay Serv
	>	ices will continue to
	12	be governed by the User Agreement applicable to you. Capitalized terms not defi		14	Payment Entities offer you Payment Services (as defined below in Part I, Sectio
	>	ned in these Payments Terms of Use have the same meaning given in the User Agree		>	n 1) in connection with
	>	ment . If there’s a conflict between these Terms and any other agreement (like y
	>	our User Agreement or billing agreement) about using eBay without Managed Paymen
	>	ts, these Terms
	13	will govern for Payment Services. For Payment Services, these Payments Terms of		15	your use of the eBay Services. Your use of the eBay Services will continue to
	>	Use override any conflicting terms elsewhere. You agree to comply with these Pa
	>	yments Terms of Use when accessing or using our Payment Services.
				16	be governed by the User
				17	Agreement applicable to you. Capitalized terms not defined in these Payments Te
				>	rms of Use have the same meaning
				18	given in the User
				19	Agreement . If there’s a conflict between these Terms and any other agreement (
				>	like your User
				20	Agreement or billing agreement) about using eBay without Managed Payments, thes
				>	e Terms
				21	will govern for Payment Services. For Payment Services, these Payments Terms of
				>	Use override any
				22	conflicting terms elsewhere. You agree to comply with these Payments Terms of U
				>	se when accessing or using
				23	our Payment Services.
	14			24
n	15	These Payments Terms of Use are between you and the applicable eBay Payment Enti	n	25	These Payments Terms of Use are between you and the applicable eBay Payment Enti
	>	ties, as explained below. If you have international sales, you may receive Payme		>	ties, as explained below.
	>	nt Services from one or more eBay Payment Entities, as described in Part I, Sect
	>	ion 4 below. In addition to the General
	16	Payments Terms (Part I of these Payments Terms of Use), each eBay Payment Entit		26	If you have international sales, you may receive Payment Services from one or m
	>	y has Additional Payments Terms (Parts II, III, IV, V, and VI of these Payments		>	ore eBay Payment Entities,
	>	Terms of Use) that apply to the Payment Services such entity provides. eBay Inc.
	>	and the companies it directly or indirectly
	17	controls, is controlled by, or is under common control with, are referred to as		27	as described in Part I, Section 4 below. In addition to the General
	>	our “ Affiliates .” The eBay Payment Entities are Affiliates of eBay Inc.
				28	Payments Terms (Part I of these Payments Terms of Use), each eBay Payment Entit
				>	y has Additional Payments
				29	Terms (Parts II, III, IV, V, and VI of these Payments Terms of Use) that apply
				>	to the Payment Services
				30	such entity provides. eBay Inc. and the companies it directly or indirectly
				31	controls, is controlled by, or is under common control with, are referred to as
				>	our
				32	“ Affiliates .” The eBay Payment Entities are Affiliates of eBay Inc.
	18			33
	19	eBay Payment Entity		34	eBay Payment Entity
	20			35
	26			41
	27	San Jose, CA 95125, United States		42	San Jose, CA 95125, United States
	28			43
n	29	**Part II (“Additional Terms for Services Provided by eCI”) of these Payments Te	n	44	**Part II (“Additional Terms for Services Provided by eCI”) of these Payments Te
	>	rms of Use contains an Agreement to Arbitrate which will, with limited exception		>	rms of Use
	>	, require you to submit claims you have against us or our agents to binding and
	>	final arbitration, unless you opt
	30	out of the Agreement to Arbitrate (see Part II, Section 4 (“Legal Disputes”), S		45	contains an Agreement to Arbitrate which will, with limited exception, require
	>	ubsection 4.2 ("Agreement to Arbitrate")). If you do not opt out: (1) you will o		>	you to submit
	>	nly be permitted to pursue claims against us or our agents on an individual basi
	>	s, not as a plaintiff or class
	31	member in any class or representative action or proceeding and (2) you will onl		46	claims you have against us or our agents to binding and final arbitration, unle
	>	y be permitted to seek relief (including monetary, injunctive, and declaratory r		>	ss you opt
	>	elief) on an individual basis.**
				47	out of the Agreement to Arbitrate (see Part II, Section 5 (“Legal Disputes”), S
				>	ubsection 5.2
				48	(“Agreement to Arbitrate”)). If you do not opt out: (1) you will only be permit
				>	ted to pursue
				49	claims against us or our agents on an individual basis, not as a plaintiff or c
				>	lass
				50	member in any class or representative action or proceeding and (2) you will onl
				>	y be permitted
				51	to seek relief (including monetary, injunctive, and declaratory relief) on an i
				>	ndividual
				52	basis.**
	32			53
	33	English: https://www.ebay.com/help/home		54	English: https://www.ebay.com/help/home
	34			55
	44			65
	45	VAT-ID LU26188648		66	VAT-ID LU26188648
	46			67
n	47	eBay Sarl is authorized in Luxembourg as a payments institution and subject to t	n	68	eBay Sarl is authorized in Luxembourg as a payments institution and subject to t
	>	he supervision of the Commission de Surveillance du Secteur Financier (CSSF), 28		>	he supervision
	>	3 route d’Arlon, 1150 Luxembourg, (license no. 33/19). You can check eBay Sarl’s
	>	registration details by visiting
				69	of the Commission de Surveillance du Secteur Financier (CSSF), 283 route d’Arlo
				>	n, 1150
				70	Luxembourg, (license no. 33/19). You can check eBay Sarl’s registration details
				>	by visiting
	48	the CSSF’s website at http://www.cssf.lu/en/ .		71	the CSSF’s website at http://www.cssf.lu/en/ .
	49			72
	50	Germany: https://www.ebay.de/help/home		73	Germany: https://www.ebay.de/help/home
	91			114
	92	Australia		115	Australia
	93			116
n	94	eCA is registered as a remittance service provider with, and is subject to the s	n	117	eCA is registered as a remittance service provider with, and is subject to the s
	>	upervision of, the Australian Transaction Reports and Analysis Centre (“AUSTRAC”		>	upervision of,
	>	), PO Box K534 Haymarket NSW 1240. You can check eCA’s registration by visiting
	>	AUSTRAC’s website at https://online.austrac.gov.au/ao/public/rsregister.seam .
				118	the Australian Transaction Reports and Analysis Centre (“AUSTRAC”), PO Box K534
				>	Haymarket NSW
				119	1240. You can check eCA’s registration by visiting AUSTRAC’s website at https:/
				>	/online.austrac.gov.au/ao/public/rsregister.seam .
	95			120
	96	https://www.ebay.com.au/help/home		121	https://www.ebay.com.au/help/home
	97			122
	101			126
	102	London, SE1 2AF, United Kingdom		127	London, SE1 2AF, United Kingdom
	103			128
n	104	eCUK is authorized in the UK as an electronic money institution and regulated by	n	129	eCUK is authorized in the UK as an electronic money institution and regulated by
	>	the Financial Conduct Authority (“FCA”), with firm reference number 1028611. Yo		>	the Financial
	>	u can check eCUK's registration details by visiting the FCA's website https://re
	>	gister.fca.org.uk .
				130	Conduct Authority (“FCA”), with firm reference number 1028611. You can check eC
				>	UK's registration
				131	details by visiting the FCA's website https://register.fca.org.uk .
	105			132
	106	https://www.ebay.co.uk/help/home		133	https://www.ebay.co.uk/help/home
	107			134
	108	## I. GENERAL PAYMENTS TERMS		135	## I. GENERAL PAYMENTS TERMS
	109			136
n	110	This Part I of the Payments Terms of Use applies to all Payment Services you rec	n	137	This Part I of the Payments Terms of Use applies to all Payment Services you rec
	>	eive from the eBay Payment Entities (also collectively referred to as “we” o		>	eive from the eBay
	>	r “us” in this Part).
				138	Payment Entities (also collectively referred to as “we” or “us” in this
				139	Part).
	111			140
	112	### 1. About Payments on the eBay Services		141	### 1. About Payments on the eBay Services
	113			142
n	114	You agree that we can receive and process payments for you in connection with yo	n	143	You agree that we can receive and process payments for you in connection with yo
	>	ur use of the eBay Services. We manage the settlement and payouts of your funds		>	ur use of the eBay
	>	to you (“ Managed Payments, ” or “ Payment Services ”).
				144	Services. We manage the settlement and payouts of funds we have processed on yo
				>	ur behalf to you
				145	(“ **Managed
				146	Payments, ” or “ Payment Services** ”).
	115			147
	116	Buyers can use the following payment methods (availability may vary):		148	Buyers can use the following payment methods (availability may vary):
	117			149
	121	- Direct debit		153	- Direct debit
	122	- "Buy Now, Pay Later" and installment options		154	- "Buy Now, Pay Later" and installment options
	123	- eBay-issued coupons or gift cards (if eligible)		155	- eBay-issued coupons or gift cards (if eligible)
n	124	- Funds available on a seller account if enabled for item purchases on eBay (see	n	156	- eBay balance
	>	eBay’s US Spendable Funds Terms and Conditions)
	125			157
	126	We may change available payment methods at our discretion.		158	We may change available payment methods at our discretion.
	127			159
n	128	The contract for each "item" (which may refer to goods and/or services) sold is	n	160	The contract for each "item" (which may refer to goods and/or services) sold is
	>	between you and the buyer directly.		>	between you and the
				161	buyer directly.
	129			162
n	130	Once a buyer completes payment, we’ll notify you. When you receive notice that a	n	163	Once a buyer completes payment, we’ll notify you. When you receive notice that a
	>	buyer paid, you must ship or deliver the item using the agreed shipping method		>	buyer paid, you
	>	. We will initiate the
	131	settlement of the proceeds to your Linked Financial Account (see Section 2 belo		164	must ship or deliver the item using the agreed shipping
	>	w). You can view payment and settlement details in the Seller Hub under the Paym
	>	ents tab. If you receive funds in error or aren’t entitled to them, we
				165	method . We will initiate the
				166	settlement of the proceeds to your Linked Financial Account (see Section 2 belo
				>	w). You can view payment
				167	and settlement details in the Seller Hub under the
				168	Payments tab. If you receive funds in error or aren’t entitled to them, we
	132	may recover those amounts from you.		169	may recover those amounts from you.
	133			170
n	134	In some listings or categories, eBay may allow you to offer buyers the option to	n	171	In some listings or categories, eBay may allow you to offer buyers the option to
	>	pay you directly using offline methods (like cash on pickup). These offline pay		>	pay you directly using
	>	ment methods are not payment services offered by us under these Payments Terms o
	>	f Use, as we do not process these
	135	payments. They are not covered by eBay Money Back Guarantee (eMBG) programs and		172	offline methods (like cash on pickup). These offline payment methods are not pa
	>	we do not help resolve payment disputes (e.g., chargebacks) for these methods.		>	yment services offered by
	>	Make sure all your listings still follow eBay's payment policies and any applica
	>	ble terms related to payments and disbursements for those listings.
				173	us under these Payments Terms of Use, as we do not process these
				174	payments. They are not covered by eBay Money Back Guarantee (eMBG) programs and
				>	we do not help resolve
				175	payment disputes (e.g., chargebacks) for these methods. Make sure all your list
				>	ings still follow eBay's payment
				176	policies and any applicable terms related to payments and disbursements for tho
				>	se listings.
	136			177
	137	### 2. Seller Onboarding		178	### 2. Seller Onboarding
	138			179
	139	To use our Payment Services, you must register and accept these Payments Terms o		180	To use our Payment Services, you must register and accept these Payments Terms o
	>	f Use.		>	f Use.
	140			181
n	141	If you reside in, or your business is established in, the EEA, the United Kingdo	n	182	If you reside in, or your business is established in, the EEA, the United Kingdo
	>	m, or Switzerland, submitting your online registration is considered your offer		>	m, or Switzerland,
	>	to enter into this agreement. If we don’t confirm your onboarding immediately, w
	>	e’ll notify you once we’ve completed our
				183	submitting your online registration is considered your offer to enter into this
				>	agreement. If we don’t
				184	confirm your onboarding immediately, we’ll notify you once we’ve completed our
	142	review and approved you.		185	review and approved you.
	143			186
	144	To use Managed Payments, you must:		187	To use Managed Payments, you must:
	145			188
	146	#### 1. Link a Financial Account		189	#### 1. Link a Financial Account
	147			190
n	148	You must link a financial account (" Linked Financial Account ") to receive	n	191	To receive payouts, you must link a financial account **(“Linked Financial Accou
	>	payouts. The name on your Linked Financial Account must match the name on your e		>	nt”)** and satisfy any
	>	Bay account. Requirements vary depending on where you reside/your business is es
	>	tablished:
				192	additional requirements set by us based on where you reside or where your busin
				>	ess is established, as
				193	applicable. The name on your Linked Financial Account must match the name on yo
				>	ur eBay account.
				194	Requirements include the following:
	149			195
n	150	- US, Canada, UK, or Australia: A bank account based in your country of resi	n	196	- US, Canada, UK, or Australia: A bank account based in your country of resi
	>	dence or establishment, or other approved instrument (e.g., debit card)		>	dence
				197	or establishment, or other approved instrument (e.g., debit card)
	151	- EEA (excluding Iceland): A bank account based in any EEA country (except I		198	- EEA (excluding Iceland): A bank account based in any EEA country (except I
	>	celand)		>	celand)
n	152	- Switzerland or Liechtenstein: A bank account based in Switzerland or Liech	n	199	- Switzerland or Liechtenstein: A bank account based in Switzerland or
	>	tenstein
	153	- Additional Countries: We may require a specific third-party financial inst		200	Liechtenstein
	>	itution, or offer the option to use a local bank account.
				201	- Additional Countries: We may require a specific third-party financial
				202	institution, or offer the option to use a local bank account.
	154			203
n	155	If we cannot debit your Linked Financial Account for Owed Amounts (as defined in	n	204	If we cannot debit your Linked Financial Account for Owed Amounts (as defined in
	>	Section 8), you must keep another valid payment method on file with us, and we		>	Section 8), you must
	>	may withhold payouts until you have successfully provided it.
				205	keep another valid payment method on file with us, and we may withhold payouts
				>	until you have
				206	successfully provided it.
	156			207
n	157	You may only receive payouts to your Linked Financial Account. You may change yo	n	208	You may only receive payouts to your Linked Financial Account. You may change yo
	>	ur Linked Financial Account at any time, subject to our approval.		>	ur Linked Financial
				209	Account at any time, subject to our approval.
	158			210
n	159	Payouts will be made to your Linked Financial Account once you have completed th	n	211	Payouts will be made to your Linked Financial Account once you have completed th
	>	e Linked Financial Account verification process and we’ve finished checks for se		>	e Linked Financial
	>	curity, risk, anti-money laundering, and other legal assessments. Collecting and
	>	checking this information helps
	160	fight the funding of terrorism and money laundering activities. The assessment		212	Account verification process and we’ve finished checks for security, risk, anti
	>	typically takes up to two (2) business days after your completion of the verific		>	-money
	>	ation process, or longer if any issues or irregularities arise in which case we
	>	will complete our assessment without
				213	laundering, and other legal assessments. Collecting and checking this informati
				>	on helps
				214	fight the funding of terrorism and money laundering activities. The assessment
				>	typically takes up to
				215	two (2) business days after your completion of the verification process, or lon
				>	ger if any issues or
				216	irregularities arise in which case we will complete our assessment without
	161	undue delay.		217	undue delay.
	162			218
n	163	If we offer you the option to receive payouts to more than one Linked Financial	n	219	If we offer you the option to receive payouts to more than one Linked Financial
	>	Account, we’ll allocate your payouts as instructed.		>	Account, we’ll
				220	allocate your payouts as instructed.
	164			221
n	165	By linking an account, you represent and warrant that you legally own and have t	n	222	By linking an account, you represent and warrant that you legally own and have t
	>	he legal right to use it.		>	he legal right to use
				223	it.
	166			224
n	167	In certain circumstances, we may permit you to direct payouts to a Linked Financ	n	225	In certain circumstances, we may permit you to direct payouts to a Linked Financ
	>	ial Account owned or controlled by your legal representative. If you use a legal		>	ial Account owned or
	>	representative’s account, you confirm they’re authorized to receive payouts for
	>	you and you fully release
				226	controlled by your legal representative. If you use a legal representative’s ac
				>	count, you
				227	confirm they’re authorized to receive payouts for you and you fully release
	168	us from any and all liability for losses you may sustain from disbursements mad		228	us from any and all liability for losses you may sustain from disbursements mad
	>	e by us to your legal representative under these Payments Terms of Use.		>	e by us to your legal
				229	representative under these Payments Terms of Use.
	169			230
	170	#### 2. Provide Required Information		231	#### 2. Provide Required Information
	171			232
	176	- Manage payouts		237	- Manage payouts
	177	- Assess fraud and risk		238	- Assess fraud and risk
	178			239
n	179	If you are an individual, this information may include, but is not limited to, y	n	240	If you are an individual, this information may include, but is not limited to, y
	>	our full name, address, phone number, date of birth, taxpayer identification num		>	our full name,
	>	ber, bank account information, and a form of government-issued identification (s
	>	uch as your driver’s license or
				241	address, phone number, date of birth, taxpayer identification number, bank acco
				>	unt information, and a
				242	form of government-issued identification (such as your driver’s license or
	180	your identity card).		243	your identity card).
	181			244
n	182	If you are a business, this information may include, without limitation, your fu	n	245	If you are a business, this information may include, without limitation, your fu
	>	ll business name, residential or business address, phone number, entity type, ba		>	ll business name,
	>	nk account information, tax identification number, and business number, in addit
	>	ion to details regarding your beneficial
	183	owner(s), director(s), officer(s), authorized representative, legal representat		246	residential or business address, phone number, entity type, bank account inform
	>	ive, and/or primary contact, such as name, contact information, nationality, tit		>	ation, tax
	>	le, and government-issued identification (such as driver’s license or identity c
	>	ard). We cannot issue payouts or
				247	identification number, and business number, in addition to details regarding yo
				>	ur beneficial
				248	owner(s), director(s), officer(s), authorized representative, legal representat
				>	ive, and/or primary
				249	contact, such as name, contact information, nationality, title, and government-
				>	issued identification
				250	(such as driver’s license or identity card). We cannot issue payouts or
	184	tax forms (like IRS Form 1099-K) without accurate, complete, and up-to-date inf		251	tax forms (like IRS Form 1099-K) without accurate, complete, and up-to-date inf
	>	ormation.		>	ormation.
	185			252
	186	#### 3. Confirm Your Identity		253	#### 3. Confirm Your Identity
	187			254
n	188	You must provide any and all additional information we need to verify your ident	n	255	You must provide any and all additional information we need to verify your ident
	>	ity or payment requests (e.g., confirm a phone number or email). You understand		>	ity or payment
	>	that without this, we may be unable to complete certain transactions.
				256	requests. We may use a range of identity verification and authentication method
				>	s, which may include
				257	device recognition, risk-based assessment, or other verification tools. You und
				>	erstand that without
				258	providing requested information, we may be unable to complete certain transacti
				>	ons.
	189			259
	190	#### 4. Keep Your Information Updated		260	#### 4. Keep Your Information Updated
	191			261
n	192	You must keep your information accurate and current. We may update records based	n	262	You must keep your information accurate and current. We may update records based
	>	on data from you, your bank, or payment providers.		>	on data from you,
				263	your bank, or payment providers.
	193			264
n	194	You may only use payment methods you’re authorized to use. Changing key details,	n	265	You may only use payment methods you’re authorized to use. Changing key details,
	>	such as your country of residence, may require repeating some or all of the onb		>	such as your
	>	oarding steps.
				266	country of residence, may require repeating some or all of the onboarding steps
				>	.
	195			267
	196	#### 5. Follow Applicable Laws and Policies		268	#### 5. Follow Applicable Laws and Policies
	197			269
	198	You must comply with all laws, rules, and third-party terms (e.g., card-issuer r		270	You must comply with all laws, rules, and third-party terms (e.g., card-issuer r
	>	ules).		>	ules).
	199			271
n	200	Third parties (e.g., banks or card networks) may have terms that apply to your t	n	272	Third parties (e.g., banks or card networks) may have terms that apply to your t
	>	ransactions. These could include terms and conditions related to the settlement		>	ransactions. These
	>	of funds, chargebacks, prohibited items, and overdrafts. Breaches may result in
	>	fees, delays, or other actions. We are
	201	not responsible for those third-party terms or consequences. Failure to abide b		273	could include terms and conditions related to the settlement of funds, chargeba
	>	y third-party terms and conditions may result in fees charged to you, delays in		>	cks, prohibited items,
	>	your receipt of funds, or other actions. You agree that we have no control over,
	>	responsibility for, or liability for
				274	and overdrafts. Breaches may result in fees, delays, or other actions. We are
				275	not responsible for those third-party terms or consequences. Failure to abide b
				>	y third-party terms and
				276	conditions may result in fees charged to you, delays in your receipt of funds,
				>	or other actions. You
				277	agree that we have no control over, responsibility for, or liability for
	202	such fees, delays, or actions.		278	such fees, delays, or actions.
	203			279
	204	#### 6. Allow Verification		280	#### 6. Allow Verification
	205			281
n	206	You authorize us and our Affiliates to verify and evaluate the information you p	n	282	You authorize us and our Affiliates to verify and evaluate the information you p
	>	rovide. This may include:		>	rovide. This may
				283	include:
	207			284
	208	- Confirming your bank account and identity		285	- Confirming your bank account and identity
	209	- Obtaining third-party reports (e.g., credit bureaus)		286	- Obtaining third-party reports (e.g., credit bureaus)
	210	- Cross-checking with other data sources		287	- Cross-checking with other data sources
	211			288
n	212	Third parties may include without limitation banks, credit and consumer reportin	n	289	Third parties may include without limitation banks, credit and consumer reportin
	>	g agencies, data brokers, and service providers.		>	g agencies, data
				290	brokers, and service providers.
	213			291
n	214	If we cannot verify your information, we reserve the right to close, suspend, or	n	292	If we cannot verify your information, we reserve the right to close, suspend, or
	>	limit your account, rescind your access to any or all of our services, and limi		>	limit your account,
	>	t access to your funds. We are not responsible for losses you suffer due to miss
	>	ing or inaccurate data you provide.
				293	rescind your access to any or all of our services, and limit access to your fun
				>	ds. We are not
				294	responsible for losses you suffer due to missing or inaccurate data you provide
				>	. In particular, if you
				295	are a US seller eligible for eBay balance, failure to complete or pass identity
				>	verification will
				296	result in suspension of your eBay balance enrollment and you will not be able t
				>	o receive disbursements
				297	of Manage Payments transactions until successful verification is completed.
	215			298
	216	### 3. Seller Payment Fees		299	### 3. Seller Payment Fees
	217			300
n	218	The fees and expenses we charge you for using Managed Payments, unless otherwise	n	301	The fees and expenses we charge you for using Managed Payments, unless otherwise
	>	communicated to you, are listed on your applicable fee page linked in the table		>	communicated to you,
	>	s below, based on the country where you reside or are established (" *Fee Page
	>	* ")
				302	are listed on your applicable fee page linked in the tables below, based on the
				>	country where you reside
				303	or are established (" Fee Page ")
	219			304
	220	Sellers in ____ without eBay Stores/eBay Pro subscription		305	Sellers in ____ without eBay Stores/eBay Pro subscription
	221			306
	225			310
	226	Australia		311	Australia
	227			312
n	228	Canada (English) ; Canada (French)	n	313	Canada
				314	(English) ; Canada
				315	(French)
	229			316
n	230	Canada (English) ; Canada (French)	n	317	Canada
				318	(English) ; Canada
				319	(French)
	231			320
n	232	United States	n	321	United
				322	States
	233			323
n	234	United States	n	324	United
				325	States
	235			326
	236	Private or Non-Professional Sellers in		327	Private or Non-Professional Sellers in
	237			328
	293			384
	294	Taiwan		385	Taiwan
	295			386
n	296	United Kingdom	n	387	United
				388	Kingdom
	297			389
n	298	United Kingdom	n	390	United
				391	Kingdom
	299			392
n			n	393	Additional
	300	Additional Countries and EEA Countries Not Identified Above		394	Countries and EEA Countries Not Identified Above
	301			395
n			n	396	Additional
	302	Additional Countries and EEA Countries Not Identified Above		397	Countries and EEA Countries Not Identified Above
	303			398
n	304	Such fees are subject to change. We may change our fees in the manner set out in	n	399	Such fees are subject to change. We may change our fees in the manner set out in
	>	your applicable User Agreement.		>	your applicable User
				400	Agreement.
	305			401
n	306	You may be eligible for fee credits in some cases, as described on the Fee Credi	n	402	You may be eligible for fee credits in some cases, as described on the Fee Credi
	>	ts page .		>	ts
				403	page .
	307			404
	308	### 4. International Sales		405	### 4. International Sales
	309			406
n	310	**You may receive Payment Services from more than one eBay Payment Entity, depen	n	407	**You may receive Payment Services from more than one eBay Payment Entity, depen
	>	ding on where you list and sell as follows:**		>	ding on where you
				408	list and sell as follows:**
	311			409
n	312	If you receive Payment Services from an eBay Payment Entity, such entity is appo	n	410	If you receive Payment Services from an eBay Payment Entity, such entity is appo
	>	inted to process transactions and manage the settlement of funds related to your		>	inted to process
	>	sales. Each eBay Payment Entity is responsible for managing payments on specifi
	>	c eBay sites. The site you list your item
	313	on determines which entity is the " Responsible Payment Entity " and proces		411	transactions and manage the settlement of funds related to your sales. Each eBa
	>	ses the transaction. For example, eBay Commerce Australia Pty Ltd (eCA) will be		>	y Payment Entity is
	>	the Responsible Payment Entity for the sale of your item listed on ebay.com.au.
				412	responsible for managing payments on specific eBay sites. The site you list you
				>	r item
				413	on determines which entity is the " Responsible Payment Entity " and proces
				>	ses the
				414	transaction. For example, eBay Commerce Australia Pty Ltd (eCA) will be the Res
				>	ponsible Payment Entity
				415	for the sale of your item listed on ebay.com.au.
	314			416
n	315	The entity that disburses your proceeds is your “ Payout Entity ”. This is u	n	417	The entity that disburses your proceeds is your “ Payout Entity ”. This is
	>	sually the eBay Payment Entity assigned to the country where you reside or are e
	>	stablished as a business. Unless agreed otherwise, your Payout Entity handles al
	>	l your
				418	usually the eBay Payment Entity assigned to the country where you reside or are
				>	established as a
				419	business. Unless agreed otherwise, your Payout Entity handles all your
	316	disbursements.		420	disbursements.
	317			421
n	318	- If the Responsible Payment Entity is also your Payout Entity, that same entity	n	422	- If the Responsible Payment Entity is also your Payout Entity, that same entity
	>	processes the payment and disburses your funds.		>	processes the payment
				423	and disburses your funds.
	319	- Example: If you're based in Canada and sell on ebay.ca, eBay Commerce Canada L		424	- Example: If you're based in Canada and sell on ebay.ca, eBay Commerce Canada L
	>	td (eCCA) handles both.		>	td (eCCA) handles
	320	- If the Responsible Payment Entity is different from your Payout Entity, the Re		425	both.
	>	sponsible Payment Entity will first transfer the funds to your Payout Entity. Yo
	>	ur Payout Entity will then disburse the funds to you.
	321	- Example: If your Payout Entity is eBay Commerce Inc. (eCI) and you sell on eba		426	- If the Responsible Payment Entity is different from your Payout Entity, the Re
	>	y.de, eBay S.à r.l. (eBay Sarl) will process the transaction, then send the fund		>	sponsible Payment
	>	s to eCI, which will pay you.
				427	Entity will first transfer the funds to your Payout Entity. Your Payout Entity
				>	will then disburse the
				428	funds to you.
				429	- Example: If your Payout Entity is eBay Commerce Inc. (eCI) and you sell on eba
				>	y.de, eBay S.à
				430	r.l. (eBay Sarl) will process the transaction, then send the funds to eCI, whic
				>	h will pay you.
	322			431
n	323	If more than 12 months have passed since you last sold an item on an eBay site,	n	432	If more than 12 months have passed since you last sold an item on an eBay site,
	>	you’re no longer considered to be receiving services from the Responsible Paymen		>	you’re no longer
	>	t Entity for that site.
				433	considered to be receiving services from the Responsible Payment Entity for tha
				>	t site.
	324			434
n	325	The following table summarizes which eBay Payment Entity is responsible for whic	n	435	The following table summarizes which eBay Payment Entity is responsible for whic
	>	h sites, and who they disburse to:		>	h sites, and who they
				436	disburse to:
	326			437
	327	eBay Payment Entity		438	eBay Payment Entity
	328			439
	336			447
	337	ebay.com		448	ebay.com
	338			449
n	339	the United States (all references to the " United States " shall include its	n	450	the United States (all references to the " United States " shall include its
	>	territories) and all other countries (together, the “ Additional Countries
	>	”) that are not included among the countries associated with an eBay Payment Ent
	>	ity below
				451	territories) and all other countries (together, the “ Additional Countries
				>	”)
				452	that are not included among the countries associated with an eBay Payment Entit
				>	y below
	340			453
	341	II. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay Commerce Inc.		454	II. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay Commerce Inc.
	342			455
	343	eBay Sarl		456	eBay Sarl
	344			457
n	345	All European Economic Area (“ EEA ”) eBay sites (including ebay.de, ebay.ie,	n	458	All European Economic Area (“ EEA ”) eBay sites (including ebay.de, ebay.ie,
	>	ebay.fr, ebay.it, ebay.es, ebay.at, ebay.nl, ebay.be, befr.ebay.be, benl.ebay.b
	>	e, ebay.pl etc.) and ebay.ch
				459	ebay.fr, ebay.it, ebay.es, ebay.at, ebay.nl, ebay.be, befr.ebay.be, benl.ebay.b
				>	e, ebay.pl etc.)
				460	and ebay.ch
	346			461
	347	EEA countries (except Iceland) or Switzerland		462	EEA countries (except Iceland) or Switzerland
	348			463
	356			471
	357	Canada		472	Canada
	358			473
n	359	IV. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay Commerce Canada Ltd.	n	474	IV. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay Commerce
				475	Canada Ltd.
	360			476
	361	eCA		477	eCA
	362			478
	364			480
	365	Australia		481	Australia
	366			482
n	367	V. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay Commerce Australia Pt	n	483	V. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay Commerce
	>	y Ltd.
				484	Australia Pty Ltd.
	368			485
	369	eCUK		486	eCUK
	370			487
	371	ebay.co.uk		488	ebay.co.uk
	372			489
n	373	the United Kingdom, Jersey, Guernsey, Gibraltar (references made to the " **Unit	n	490	the United Kingdom, Jersey, Guernsey, Gibraltar (references made to the " **Unit
	>	ed Kingdom** " are deemed to also include Jersey, Guernsey or Gibraltar for the		>	ed
	>	purposes of these Payments Terms of Use)
				491	Kingdom** " are deemed to also include Jersey, Guernsey or Gibraltar for the pu
				>	rposes of
				492	these Payments Terms of Use)
	374			493
n	375	VI. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay Commerce UK Ltd.	n	494	VI. ADDITIONAL PAYMENTS TERMS FOR SERVICES PROVIDED BY eBay Commerce UK
				495	Ltd.
	376			496
n	377	If you reside outside the EEA (except Iceland), the United Kingdom, and Switzerl	n	497	If you reside outside the EEA (except Iceland), the United Kingdom, and Switzerl
	>	and, the performance of any Payment Services provided to you by eBay Sarl and/or		>	and, the performance of
	>	eCUK is deemed suspended until an item you listed on a EEA, UK, or Swiss eBay s
	>	ite is sold.
				498	any Payment Services provided to you by eBay Sarl and/or eCUK is deemed suspend
				>	ed until an item you
				499	listed on a EEA, UK, or Swiss eBay site is sold.
	378			500
n	379	To the extent that Payment Services involve eCI (including in partnership with o	n	501	To the extent that Payment Services involve eCI (including in partnership with o
	>	ther eBay Payment Entities), you hereby appoint eCI as your limited payments age		>	ther eBay Payment
	>	nt to receive payments on your behalf and disburse your funds to you, directly o
	>	r indirectly.
				502	Entities), you hereby appoint eCI as your limited payments agent to receive pay
				>	ments on your behalf and
				503	disburse your funds to you, directly or indirectly.
	380			504
	381	#### Payout Currency		505	#### Payout Currency
	382			506
n	383	Your “ Payout Currency ” is the currency we use to send your sales proceeds	n	507	Your “ Payout Currency ” is the currency we use to send your sales
	>	to your Linked Financial Account. It’s generally determined by your country of r
	>	esidence/establishment, unless we agree otherwise:
				508	proceeds to your Linked Financial Account. It’s generally determined by your co
				>	untry of
				509	residence/establishment, unless we agree otherwise:
	384			510
	385	- United States — US Dollar (USD)		511	- United States — US Dollar (USD)
	386	- EEA (except Iceland) — Euro (EUR)		512	- EEA (except Iceland) — Euro (EUR)
n	387	- United Kingdom, Switzerland, Liechtenstein, or Australia — Local currency	n	513	- United Kingdom, Switzerland, Liechtenstein, or Australia — Local currency
	>	based on your country
				514	based on your country
	388	- Canada — Canadian Dollar (CAD) or US Dollar (USD), if available and select		515	- Canada — Canadian Dollar (CAD) or US Dollar (USD), if available and
	>	ed by you
				516	selected by you
	389	- Additional Countries (as defined in the table above) — US Dollar (USD), or		517	- Additional Countries (as defined in the table above) — US Dollar (USD), or
	>	another currency if we offer it and you choose it
				518	another currency if we offer it and you choose it
	390			519
n	391	We may offer more payout currencies in the future. If you list an item on an eBa	n	520	We may offer more payout currencies in the future. If you list an item on an eBa
	>	y website in a different currency than your Payout Currency, the paid amount wil		>	y website in a
	>	l be converted into your Payout Currency. This conversion uses our transaction e
	>	xchange rate and may include a currency
	392	conversion fee (see Section 3/Seller Payment Fees). Similarly, your receipt of		521	different currency than your Payout Currency, the paid amount will be converted
	>	eBay Services from Affiliates may cause you to incur fees which are published in		>	into your Payout
	>	a currency other than your Payout Currency; if this happens, we may convert suc
	>	h fees into your Payout Currency in the
				522	Currency. This conversion uses our transaction exchange rate and may include a
				>	currency
				523	conversion fee (see Section 3/Seller Payment Fees). Similarly, your receipt of
				>	eBay Services from
				524	Affiliates may cause you to incur fees which are published in a currency other
				>	than your Payout
				525	Currency; if this happens, we may convert such fees into your Payout Currency i
				>	n the
	393	same manner described above.		526	same manner described above.
	394			527
n	395	Note: If you’re in an Additional Country, your bank might charge a separate	n	528	Note: If you’re in an Additional Country, your bank might charge a separate
	>	fee to convert funds from USD into your local currency.
				529	fee to convert funds from USD into your local currency.
	396			530
	397	### 5. Using Managed Payments		531	### 5. Using Managed Payments
	398			532
	400			534
	401	After each Managed Payments transaction, we’ll notify you of the payment.		535	After each Managed Payments transaction, we’ll notify you of the payment.
	402			536
n	403	Unless subject to a hold under these Payments Terms of Use, your transaction pro	n	537	Unless subject to a hold under these Payments Terms of Use, your transaction pro
	>	ceeds will generally be available for disbursement within one to two business da		>	ceeds will generally
	>	ys after buyer payment is confirmed in checkout, although actual availability ma
	>	y vary depending on the buyer’s
	404	payment method and when the payment is received by us. In some cases (for examp		538	be available for disbursement within one to two business days after buyer payme
	>	le, if you are a new seller on eBay, or if you are a private seller in the UK),		>	nt is confirmed in
	>	funds may become available for disbursement after the item is deemed delivered,
	>	as described in this help page .
				539	checkout, although actual availability may vary depending on the buyer’s
				540	payment method and when the payment is received by us. In some cases (for examp
				>	le, if you are a new
				541	seller on eBay, or if you are a private seller in the UK), funds may become ava
				>	ilable for disbursement
				542	after the item is deemed delivered, as described in this help
				543	page .
	405			544
n	406	Once available, your funds will be grouped in a batch for payout to your Linked	n	545	Once available, your funds will be grouped in a batch for payout to your Linked
	>	Financial Account, either automatically, based on your selected payout schedule		>	Financial Account,
	>	(if such scheduled payouts are made available to you), or on-demand, following y
	>	our individual payout request. If
				546	either automatically, based on your selected payout schedule (if such scheduled
				>	payouts are made
				547	available to you), or on-demand, following your individual payout request. If
	407	scheduled payouts aren’t available for your account, we may periodically transf		548	scheduled payouts aren’t available for your account, we may periodically transf
	>	er available funds to your Linked Financial Account.		>	er available
				549	funds to your Linked Financial Account.
	408			550
n	409	We may deviate from the agreed settlement and payout process as needed for compl	n	551	We may deviate from the agreed settlement and payout process as needed for compl
	>	iance or risk-related reasons, unforeseen operational or technical reasons, or e		>	iance or risk-related
	>	vents outside our control. If we are unable to settle or disburse your funds, we
	>	may refund the buyer or otherwise
				552	reasons, unforeseen operational or technical reasons, or events outside our con
				>	trol. If we are unable
				553	to settle or disburse your funds, we may refund the buyer or otherwise
	410	process these funds as required by applicable law (such as abandoned property l		554	process these funds as required by applicable law (such as abandoned property l
	>	aws).		>	aws).
	411			555
n	412	Funds we receive on your behalf do not constitute deposits. If received by eCI,	n	556	Funds we receive on your behalf do not constitute deposits. If received by eCI,
	>	eCA, or eCCA, they represent an unsecured claim for payment against us. We may c		>	eCA, or eCCA, they
	>	ombine your funds with those of other customers and invest them according to app
	>	licable laws. You do not have any
	413	ownership interest in these investments and any interest earned from these inve		557	represent an unsecured claim for payment against us. We may combine your funds
	>	stments will be retained by us. To the extent you may have any beneficial owners		>	with those of other
	>	hip in the interest or proceeds of these investments, you assign any right, titl
	>	e, and/or interest therein to us.
				558	customers and invest them according to applicable laws. You do not have any
				559	ownership interest in these investments and any interest earned from these inve
				>	stments will be
				560	retained by us. To the extent you may have any beneficial ownership in the inte
				>	rest or proceeds of
				561	these investments, you assign any right, title, and/or interest therein to us.
	414			562
n	415	Payouts are typically credited to your Linked Financial Account within one to th	n	563	Payouts are typically credited to your Linked Financial Account within one to th
	>	ree business days after disbursement is initiated, but timing may vary depending		>	ree business days
	>	on your region and your bank’s processing times.
				564	after disbursement is initiated, but timing may vary depending on your region a
				>	nd your bank’s
				565	processing times.
	416			566
	417	We will provide you with monthly transaction statements at no cost, accessible v		567	We will provide you with monthly transaction statements at no cost, accessible v
	>	ia Seller Hub .		>	ia Seller Hub .
	418			568
n			n	569	If you are a seller based in the U.S. and enrolled in eBay balance, the followin
				>	g terms also apply to
				570	the disbursement of your transaction proceeds: the U.S. eBay balance Terms and
				>	Conditions (the
				571	“ U.S. balance Terms ”). If you are a seller based in Australia and
				572	enrolled in eBay balance, the following terms also apply to the disbursement of
				>	your transaction
				573	proceeds: the Australian eBay balance Terms and Conditions (the “ **AU balance
				574	Terms** ”). In the event of any conflict between the Balance Terms applicable t
				>	o you and
				575	these Payments Terms of Use, the applicable Balance Terms will control.
				576
	419	#### Returns and Cancellations; Refunds		577	#### Returns and Cancellations; Refunds
	420			578
n	421	If your buyer is entitled to a refund for a return or cancellation for a Managed	n	579	If your buyer is entitled to a refund for a return
	>	Payments transaction—either under your agreement with the buyer or under eBay`s
				580	or cancellation for a Managed Payments transaction—either under your agreement
				>	with the
				581	buyer or under eBay`s
	422	policies—you authorize us to issue the refund to the buyer on your behalf.		582	policies—you authorize us to issue the refund to the buyer on your behalf.
	423			583
	424	#### eBay Money Back Guarantee Programs		584	#### eBay Money Back Guarantee Programs
	425			585
n	426	eBay offers buyers protection programs on certain eBay Services to ensure that b	n	586	eBay offers buyers protection programs on certain eBay Services to ensure that b
	>	uyers receive the item they ordered or get their money back (“eBay Money Back Gu		>	uyers receive the item
	>	arantee” in most jurisdictions and “eBay Buyer Protection Program” in Germany, c
	>	ollectively
				587	they ordered or get their money back (“eBay Money Back Guarantee” in most juris
				>	dictions
				588	and “eBay Buyer Protection Program” in Germany, collectively
	427	referred to as “ eMBG ”).		589	referred to as “ eMBG ”).
	428			590
n	429	You understand if your buyer successfully files a claim under eMBG for a Managed	n	591	You understand if your buyer successfully files a claim under eMBG for a Managed
	>	Payments transaction, the eBay company offering the eMBG program (“ **eMBG Serv		>	Payments transaction,
	>	ice Provider** ”) will, pursuant to the User Agreement and eMBG policy , reimbur
	>	se the buyer the
				592	the eBay company offering the eMBG program (“ eMBG Service Provider ”)
				593	will, pursuant to the User
				594	Agreement and eMBG
				595	policy , reimburse the buyer the
	430	amount owed on your behalf and charge you the respective amount.		596	amount owed on your behalf and charge you the respective amount.
	431			597
	432	#### Disputes		598	#### Disputes
	433			599
n	434	A buyer—or the owner of the payment instrument used—may start a payment dispute	n	600	A buyer—or the owner of the payment instrument used—may start a payment dispute
	>	(called a “ Dispute ” within this Part I) related to a Managed Payments tran		>	(called a
	>	saction. This can include, for example, a chargeback, direct-debit reversal, or
	>	a
				601	“ Dispute ” within this Part I) related to a Managed Payments transaction.
				602	This can include, for example, a chargeback, direct-debit reversal, or a
	435	PayPal buyer protection claim. The buyer’s financial institution will make the		603	PayPal buyer protection claim. The buyer’s financial institution will make the
	>	final decision on the Dispute.		>	final decision on
				604	the Dispute.
	436			605
	437	We will notify you when a Dispute is opened and ask whether you want to accept o		606	We will notify you when a Dispute is opened and ask whether you want to accept o
	>	r contest it:		>	r contest it:
	438			607
	439	- If you accept, you agree the buyer will receive a refund.		608	- If you accept, you agree the buyer will receive a refund.
n	440	- If you challenge it, we will submit any supporting evidence you provide to	n	609	- If you challenge it, we will submit any supporting evidence you provide to
	>	the buyer’s financial institution.		>	the
				610	buyer’s financial institution.
	441			611
n	442	You must provide any requested information within our specified timeline. If you	n	612	You must provide any requested information within our specified timeline. If you
	>	don’t, you risk losing the full amount in Dispute, as determined by card networ		>	don’t, you
	>	k and payment service provider rules.
				613	risk losing the full amount in Dispute, as determined by card network and payme
				>	nt service provider
				614	rules.
	443			615
n	444	If you accept the Dispute, or if the financial institution rules in favor of the	n	616	If you accept the Dispute, or if the financial institution rules in favor of the
	>	buyer, the amount will be refunded to the buyer and charged to us. You must rei		>	buyer, the amount
	>	mburse us unless you qualify for eBay’s Seller Protection policy for payment dis
	>	putes, in which case you're not responsible for the refund.
				617	will be refunded to the buyer and charged to us. You must reimburse us unless y
				>	ou qualify for
				618	eBay’s Seller
				619	Protection policy for payment disputes, in which case you're not responsible fo
				>	r the refund.
	445			620
	446	Even if you accept the Dispute, we may still challenge it at our discretion and		621	Even if you accept the Dispute, we may still challenge it at our discretion and
	>	at no cost to you.		>	at no cost to you.
	447			622
n	448	Some payment providers offer arbitration to appeal a Dispute outcome. We may ask	n	623	Some payment providers offer arbitration to appeal a Dispute outcome. We may ask
	>	for your consent to enter arbitration on your behalf. If you agree to arbitrati		>	for your consent to
	>	on, you authorize us to handle the process for you. You will cover any costs or
	>	legal fees, as agreed between you and us
				624	enter arbitration on your behalf. If you agree to arbitration, you authorize us
				>	to handle the process
				625	for you. You will cover any costs or legal fees, as agreed between you and us
	449	in each case in advance. We may pay these first and recover the amount from you		626	in each case in advance. We may pay these first and recover the amount from you
	>	later.		>	later.
	450			627
n	451	You agree not to reopen or challenge the outcome of any Dispute we have already	n	628	You agree not to reopen or challenge the outcome of any Dispute we have already
	>	resolved. If you're a consumer in the EU, UK, or Australia—or an Australian Smal		>	resolved. If you're a
	>	l Business as defined in the Australian Competition and Consumer Act 2010 (Cth)—
	>	your rights to file a
				629	consumer in the EU, UK, or Australia—or an Australian Small Business as defined
				>	in the
				630	Australian Competition and Consumer Act 2010 (Cth)—your rights to file a
	452	complaint or pursue legal action in court remain unaffected.		631	complaint or pursue legal action in court remain unaffected.
	453			632
	454	#### Seller Protection		633	#### Seller Protection
	455			634
n	456	If you qualify under the Seller Protection policy offered by the eBay Affiliate	n	635	If you qualify under the Seller Protection policy offered by the eBay Affiliate
	>	providing you with eBay Services, and you meet all of its conditions, you will n		>	providing you with
	>	ot be held liable for:
				636	eBay Services, and you meet all of its conditions, you will not be held liable
				>	for:
	457			637
	458	- Refunds related to eBay Money Back Guarantee (eMBG) claims		638	- Refunds related to eBay Money Back Guarantee (eMBG) claims
	459	- Disputes (e.g., chargebacks or reversals)		639	- Disputes (e.g., chargebacks or reversals)
	464	- Meet all eligibility requirements outlined in the Seller Protection policy		644	- Meet all eligibility requirements outlined in the Seller Protection policy
	465	- Fulfill your seller obligations under that policy		645	- Fulfill your seller obligations under that policy
	466			646
n			n	647	For details, refer to the applicable Seller
	467	For details, refer to the applicable Seller Protection policy provided by the eB		648	Protection policy provided by the eBay Affiliate offering the eBay Services in
	>	ay Affiliate offering the eBay Services in your region.		>	your region.
	468			649
	469	#### Fines, Penalties, and Losses		650	#### Fines, Penalties, and Losses
	470			651
n	471	We are unable to manage payments for prohibited and restricted items . For examp	n	652	We are unable to manage payments for prohibited
	>	le, you may not use our Payment Services for gambling-related activity. Before l
	>	isting
				653	and restricted items . For example, you may not use our Payment Services for ga
				>	mbling-related
				654	activity. Before listing
	472	an item, ensure it complies with eBay’s rules, applicable laws, and any restric		655	an item, ensure it complies with eBay’s rules, applicable laws, and any restric
	>	tions set by credit card networks or third-party payment providers.		>	tions set by
				656	credit card networks or third-party payment providers.
	473			657
n	474	You agree to indemnify and reimburse us for any reversals, chargebacks, claims,	n	658	You agree to indemnify and reimburse us for any reversals, chargebacks, claims,
	>	costs, losses, damages, fees, fines, penalties, and other liabilities and expens		>	costs, losses,
	>	es we incur due to:
				659	damages, fees, fines, penalties, and other liabilities and expenses we incur du
				>	e to:
	475			660
	476	- Your breach of these Payments Terms of Use, the User Agreement, including eBay		661	- Your breach of these Payments Terms of Use, the User Agreement, including eBay
	>	policies,		>	policies,
	477	- Your violation of laws or third-party rights, or		662	- Your violation of laws or third-party rights, or
n	478	- Any transaction processed by us for you for an item or service you listed on e	n	663	- Any transaction processed by us for you for an item or service you listed on e
	>	Bay (including without limitation the accuracy of your item description or any c		>	Bay (including
	>	laim or dispute arising out of items or services offered or sold by you).
				664	without limitation the accuracy of your item description or any claim or disput
				>	e arising out of
				665	items or services offered or sold by you).
	479			666
	480	#### Holds		667	#### Holds
	481			668
n	482	We reserve the right to restrict your access to funds when necessary to manage r	n	669	We reserve the right to restrict your access to funds when necessary to manage r
	>	isks related to providing you the Payment Services.		>	isks related to
				670	providing you the Payment Services.
	483			671
n	484	You agree that we may place holds on your funds—or instruct a payment service pr	n	672	You agree that we may place holds on your funds—or instruct a payment service pr
	>	ovider to do so—before disbursement, including in stored value or payment accoun		>	ovider to do
	>	ts.
				673	so—before disbursement, including in your eBay balance account, stored value ac
				>	count, payment
				674	account or E-Money account (as applicable).
	485			675
n	486	We’ll display the hold amount and status in the Payments tab of Seller Hub or My	n	676	We’ll display the hold amount and status in the Payments tab of Seller Hub or My
	>	eBay, and notify you through the eBay Message Center and/or email. We may ask f		>	eBay, and
	>	or more information to resolve the issue.
				677	notify you through the eBay Message Center and/or email. We may ask for more in
				>	formation to resolve
				678	the issue.
	487			679
n	488	If you're a consumer in Germany, eBay Sarl will apply holds to your funds as des	n	680	If you're a consumer in Germany, eBay Sarl will apply holds to your funds as des
	>	cribed in Part III, Section 6 . For all other sellers, we apply holds as describ		>	cribed in Part III, Section 6 . For all other sellers, we apply holds as
	>	ed below.
				681	described below.
	489			682
n	490	We may place a hold if we detect increased risk—such as identity verification is	n	683	We may place a hold if we detect increased risk—such as identity verification is
	>	sues or buyer disputes. Learn more about hold types and examples .		>	sues or buyer
				684	disputes. Learn more about hold
				685	types and examples .
	491			686
n	492	We take into consideration relevant factors when assessing the risks including y	n	687	We take into consideration relevant factors when assessing the risks including y
	>	our selling history, seller performance, seller type, returns and cancellations,		>	our selling history,
	>	chargebacks, eMBG claims, riskiness of listing category, transaction value, and
	>	our ability to collect Owed Amounts
				688	seller performance, seller type, returns and cancellations, chargebacks, eMBG c
				>	laims, riskiness of
				689	listing category, transaction value, and our ability to collect Owed Amounts
	493	from you.		690	from you.
	494			691
n	495	We may cancel or freeze payouts as necessary to comply with our legal obligation	n	692	We may cancel or freeze payouts as necessary to comply with our legal obligation
	>	s in connection with fraud prevention, risk management, or regulatory compliance		>	s in connection with
	>	, or, upon lawful request by our Affiliates, to enable them to comply with legal
	>	obligations applicable to them (such as
				693	fraud prevention, risk management, or regulatory compliance, or, upon lawful re
				>	quest by our
				694	Affiliates, to enable them to comply with legal obligations applicable to them
				>	(such as
	496	compliance with tax-related obligations from EU DAC7 legislation ).		695	compliance with tax-related obligations from EU DAC7
				696	legislation ).
	497			697
	498	We will release holds once the associated risk is reduced or resolved.		698	We will release holds once the associated risk is reduced or resolved.
	499			699
n	500	If your payout entity is eCI, eCA, or eCCA, we may keep a portion of your funds	n	700	If your payout entity is eCI, eCA, or eCCA, we may keep a portion of your funds
	>	after account closure to cover refunds or Disputes. We’ll return unused amounts		>	after account closure
	>	to your Linked Financial Account within 190 days of your eBay account closure, u
	>	nless the law requires otherwise.
				701	to cover refunds or Disputes. We’ll return unused amounts to your Linked Financ
				>	ial Account
				702	within 190 days of your eBay account closure, unless the law requires otherwise
				>	.
	501			703
	502	Delays from your bank’s settlement procedures are outside our control.		704	Delays from your bank’s settlement procedures are outside our control.
	503			705
	504	#### Reserves		706	#### Reserves
	505			707
n	506	To help manage risk and secure your obligations under these Payments Terms of Us	n	708	To help manage risk and secure your obligations under these Payments Terms of Us
	>	e, we may require a reserve on your funds. This means that a portion of your tra		>	e, we may require a
	>	nsaction proceeds will be temporarily held and not available for payout.
				709	reserve on your funds. This means that a portion of your transaction proceeds w
				>	ill be temporarily held
				710	and not available for payout.
	507			711
	508	There are two types of reserves:		712	There are two types of reserves:
	509			713
n	510	- A rolling reserve withholds a set percentage of your daily proceeds for a fixe	n	714	- A rolling reserve withholds a set percentage of your daily proceeds for a fixe
	>	d period to be released to you later at a scheduled time on a rolling basis. For		>	d period to be
	>	example, we may require a rolling reserve of 10% for a period of 60 days. Under
	>	this requirement, 10% of your
	511	transaction proceeds earned on day 1 will be withheld from your payouts and the		715	released to you later at a scheduled time on a rolling basis. For example, we m
	>	n be released to you on day 61. Subsequently, 10% of your transaction proceeds e		>	ay require a rolling
	>	arned on day 2 will be withheld and then released to you on day 62, and so forth
	>	. Rolling reserves are the most common
				716	reserve of 10% for a period of 60 days. Under this requirement, 10% of your
				717	transaction proceeds earned on day 1 will be withheld from your payouts and the
				>	n be released to you
				718	on day 61. Subsequently, 10% of your transaction proceeds earned on day 2 will
				>	be withheld and then
				719	released to you on day 62, and so forth. Rolling reserves are the most common
	512	type of reserve.		720	type of reserve.
n	513	- A minimum reserve holds a fixed amount (e.g., £5,000), either by gradually col	n	721	- A minimum reserve holds a fixed amount (e.g., £5,000), either by gradually col
	>	lecting a portion of your proceeds or deducting the full amount from pending pay		>	lecting a
	>	outs.
				722	portion of your proceeds or deducting the full amount from pending payouts.
	514			723
n	515	We may require a reserve if we have reason to believe that there is an increased	n	724	We may require a reserve if we have reason to believe that there is an increased
	>	risk of non-fulfillment of your obligations under these Payments Terms of Use.		>	risk of
	>	We take into consideration relevant risk factors before requiring a reserve, inc
	>	luding, as applicable (i) your eBay
	516	account history, (ii) whether the category you are listing in has a higher like		725	non-fulfillment of your obligations under these Payments Terms of Use. We take
	>	lihood of chargebacks or refunds, (iii) whether your eBay account has an elevate		>	into consideration
	>	d number of customer claims or disputes, (iv) your business and/or personal cred
	>	it history (business sellers may be
	517	subject to credit agency checks if permitted by applicable law), (v) whether yo		726	relevant risk factors before requiring a reserve, including, as applicable (i)
	>	u are selling products in advance of availability (pre-selling orders), and (vi)		>	your eBay
	>	whether you have extended delivery time frames.
				727	account history, (ii) whether the category you are listing in has a higher like
				>	lihood of chargebacks
				728	or refunds, (iii) whether your eBay account has an elevated number of customer
				>	claims or disputes,
				729	(iv) your business and/or personal credit history (business sellers may be
				730	subject to credit agency checks if permitted by applicable law), (v) whether yo
				>	u are selling products
				731	in advance of availability (pre-selling orders), and (vi) whether you have exte
				>	nded delivery time
				732	frames.
	518			733
n	519	Reserves can be raised, lowered, or removed based on your account performance an	n	734	Reserves can be raised, lowered, or removed based on your account performance an
	>	d the risk associated with your use of Managed Payments. The amount of each rese		>	d the risk associated
	>	rve (and any subsequent change) will be reasonably determined based on the selle
	>	r-specific risk (including the volume of
				735	with your use of Managed Payments. The amount of each reserve (and any subseque
				>	nt change) will be
				736	reasonably determined based on the seller-specific risk (including the volume o
				>	f
	520	your sales). The amount and status of any reserve will be shown in the Payments		737	your sales). The amount and status of any reserve will be shown in the Payments
	>	tab in Seller Hub or My eBay, and we’ll notify you if a reserve is applied.		>	tab in Seller Hub or
				738	My eBay, and we’ll notify you if a reserve is applied.
	521			739
n	522	If eCA is your Payout Entity, additional rules may apply under the Seller Reserv	n	740	If eCA is your Payout Entity, additional rules may apply under the Seller Reserv
	>	e Terms and Conditions , which you agree to by accepting these Payments Terms of		>	e Terms and Conditions ,
	>	Use.
				741	which you agree to by accepting these Payments Terms of Use.
	523			742
	524	#### Our Liability		743	#### Our Liability
	525			744
n	526	If we have acted with reasonable precautions and/or in accordance with our legal	n	745	If we have acted with reasonable precautions and/or in accordance with our legal
	>	obligations, we are not liable for any unauthorized, incorrectly, unexecuted, o		>	obligations, we are
	>	r delayed payment transactions when such issues were caused by abnormal and unfo
	>	reseeable circumstances beyond our
				746	not liable for any unauthorized, incorrectly, unexecuted, or delayed payment tr
				>	ansactions when such
				747	issues were caused by abnormal and unforeseeable circumstances beyond our
	527	control.		748	control.
	528			749
	529	#### Signature		750	#### Signature
	530			751
n	531	When required by anti-money laundering or other legal rules, your acceptance of	n	752	When required by anti-money laundering or other legal rules, your acceptance of
	>	these Payments Terms of Use may serve as your legal signature, unless prohibited		>	these Payments Terms of
	>	by law
				753	Use may serve as your legal signature, unless prohibited by law
	532			754
	533	### 6. Security; Third-Party Providers; Data Protection		755	### 6. Security; Third-Party Providers; Data Protection
	534			756
	535	#### Security		757	#### Security
	536			758
n	537	You agree to follow our security measures for using Managed Payments. You're res	n	759	You agree to follow our security measures for using Managed Payments. You're res
	>	ponsible for keeping your eBay login credentials (passwords, codes, etc.) safe.		>	ponsible for keeping
	>	Unless protected by our seller protection policies, you’re also responsible for
	>	any transactions made or actions
				760	your eBay login credentials (passwords, codes, etc.) safe. Unless protected by
				>	our seller protection
				761	policies, you’re also responsible for any transactions made or actions
	538	taken using your account.		762	taken using your account.
	539			763
n	540	If you notice an unauthorized, delayed, or incorrect payment, you must notify us	n	764	If you notice an unauthorized, delayed, or incorrect payment, you must notify us
	>	right away using the contact information in the Introduction Section. If you no		>	right away using the
	>	tify us by telephone of such a transaction, we may request written confirmation
	>	immediately following the notification.
				765	contact information in the Introduction Section. If you notify us by telephone
				>	of such a transaction,
				766	we may request written confirmation immediately following the notification.
	541	The notification shall be free of charge.		767	The notification shall be free of charge.
	542			768
	543	#### Third-Party Providers		769	#### Third-Party Providers
	544			770
n	545	We may use eBay Affiliates or third-party service providers (together “ **Servic	n	771	We may use eBay Affiliates or third-party service providers (together “ **Servic
	>	e Providers** ”), such as those that process payments, verify identity, or asses		>	e
	>	s risk, in various locations to help us provide Managed Payments. These Service
	>	Providers may also subcontract tasks to other eBay Affiliates or third parties.
	>	In this context we may transfer your data to such Service
				772	Providers** ”), such as those that process payments, verify identity, or assess
				>	risk, in
				773	various locations to help us
				774	provide Managed Payments. These Service Providers may also subcontract tasks to
				>	other eBay Affiliates
				775	or third parties. In this context we may transfer your data to such Service
	546	Providers.		776	Providers.
	547			777
n	548	We may also contact you through the eBay Affiliate that provides your eBay Servi	n	778	We may also contact you through the eBay Affiliate that provides your eBay Servi
	>	ces. For example, that Affiliate may notify you about account holds or restricti		>	ces. For example,
	>	ons.
				779	that Affiliate may notify you about account holds or restrictions.
	549			780
n	550	You explicitly agree that we may outsource services (including sub-outsourcing)	n	781	You explicitly agree that we may outsource services (including sub-outsourcing)
	>	to Service Providers, and you accept that the obligation of secrecy does not exi		>	to Service Providers,
	>	st with respect to the related transfer of data (e.g. contact details, account i
	>	nformation, sales related information)
				782	and you accept that the obligation of secrecy does not exist with respect to th
				>	e related transfer of
				783	data (e.g. contact details, account information, sales related information)
	551	to such Service Providers.		784	to such Service Providers.
	552			785
n	553	These providers are either subject by law to a professional secrecy obligation,	n	786	These providers are either subject by law to a professional secrecy obligation,
	>	as provided by the law applicable to the Service Provider, or will be contractua		>	as provided by the law
	>	lly bound to comply with strict confidentiality rules. Only a limited number of
	>	persons within the relevant Service
				787	applicable to the Service Provider, or will be contractually bound to comply wi
				>	th strict
				788	confidentiality rules. Only a limited number of persons within the relevant Ser
				>	vice
	554	Provider will be able to view your data on a need to know basis.		789	Provider will be able to view your data on a need to know basis.
	555			790
n	556	Regardless of who assists us with Managed Payments, the appropriate eBay Payment	n	791	Regardless of who assists us with Managed Payments, the appropriate eBay Payment
	>	Entity remains accountable to you for the performance of the services under the		>	Entity remains
	>	se Payments Terms of Use.
				792	accountable to you for the performance of the services under these Payments Ter
				>	ms of Use.
	557			793
n	558	In conformity with our User Privacy Notice , we may also share information colle	n	794	In conformity with our User
	>	cted by us pursuant to these Payments Terms of Use with our Affiliates as necess
	>	ary
	559	to enable your continued use of our Payment Services and the eBay Services. Ple		795	Privacy Notice , we may also share information collected by us pursuant to thes
	>	ase view our User Privacy Notice for more information on the collection and proc		>	e Payments Terms
	>	essing of personal data, including details on processing purposes and legal base
	>	s under applicable data protection laws.
				796	of Use with our Affiliates as necessary
				797	to enable your continued use of our Payment Services and the eBay Services. Ple
				>	ase view our User
				798	Privacy Notice for more information on the collection and processing of persona
				>	l data, including
				799	details on processing purposes and legal bases under applicable data protection
				>	laws.
	560			800
	561	#### Data Protection		801	#### Data Protection
	562			802
n	563	Our performance of Payment Services entails the processing of your buyer’s perso	n	803	Our performance of Payment Services entails the processing of your buyer’s perso
	>	nal data when a sale happens. With respect to such data processing, you, the Res		>	nal data when a
	>	ponsible Payment Entity, and the Payout Entity each act as a separate data contr
	>	oller/business under applicable
	564	data protection laws. You agree to comply with your obligations as a data contr		804	sale happens. With respect to such data processing, you, the Responsible Paymen
	>	oller/business pursuant to all applicable data protection laws to which you are		>	t Entity, and the
	>	subject, and provide us with all reasonable cooperation, information, and assist
	>	ance as necessary for us to meet our
				805	Payout Entity each act as a separate data controller/business under applicable
				806	data protection laws. You agree to comply with your obligations as a data contr
				>	oller/business pursuant
				807	to all applicable data protection laws to which you are subject, and provide us
				>	with all reasonable
				808	cooperation, information, and assistance as necessary for us to meet our
	565	requirements as a data controller/business.		809	requirements as a data controller/business.
	566			810
	567	### 7. Specific Payment Methods		811	### 7. Specific Payment Methods
	568			812
	569	#### Specific Payment Methods		813	#### Specific Payment Methods
	570			814
n	571	On some eBay sites in the EU and UK, buyers can choose " **Specific Payment Meth	n	815	On some eBay sites in the EU and UK, buyers can choose " **Specific Payment Meth
	>	ods** " such as direct debit, payment by invoice, or installment payments. These		>	ods** "
	>	options are offered by eBay’s " Payment Partners ".
				816	such as direct debit, payment by invoice, or installment payments. These option
				>	s are offered by
				817	eBay’s " **Payment
				818	Partners** ".
	572			819
	573	When a buyer uses a Specific Payment Method for the purchase ("Sales Contract"):		820	When a buyer uses a Specific Payment Method for the purchase ("Sales Contract"):
	574			821
n	575	- You agree to sell and assign your purchase claim against the buyer to the Resp	n	822	- You agree to sell and assign your purchase claim against the buyer to the Resp
	>	onsible Payment Entity for that purchase (see Part I, Section 4/International Sa		>	onsible Payment
	>	les).
	576	- The Responsible Payment Entity will then sell and assign the claim to its Acqu		823	Entity for that purchase (see Part I, Section 4/International Sales).
	>	irer (e.g., Adyen N.V.), who sells and assigns it on to the Payment Partner who
	>	will assume the payment default risk as described below, or to the Payment Partn
	>	er directly. This arrangement is
				824	- The Responsible Payment Entity will then sell and assign the claim to its Acqu
				>	irer (e.g., Adyen
				825	N.V.), who sells and assigns it on to the Payment Partner who will assume the p
				>	ayment default risk
				826	as described below, or to the Payment Partner directly. This arrangement is
	577	referred to as a “Chain Assignment”.		827	referred to as a “Chain Assignment”.
	578			828
n	579	The buyer pays the Payment Partner, who forwards the funds through the Acquirer	n	829	The buyer pays the Payment Partner, who forwards the funds through the Acquirer
	>	to the Responsible Payment Entity, which settles the payment to you.		>	to the Responsible
				830	Payment Entity, which settles the payment to you.
	580			831
n	581	You shall conclude with your buyer the Payment Partners’ terms and conditions fo	n	832	You shall conclude with your buyer the Payment
	>	r the use of the Specific Payment Method, including any applicable privacy notic
	>	e (“Partner
	582	Terms”). You hereby agree that the respective Partner Terms shall be part of th		833	Partners’ terms and conditions for the use of the Specific Payment Method, incl
	>	e Sales Contract where the buyer uses a Specific Payment Method. You authorize e		>	uding any
	>	Bay and its Payment Partners to present those terms to the buyer on your behalf
	>	at checkout.
				834	applicable privacy notice (“Partner
				835	Terms”). You hereby agree that the respective Partner Terms shall be part of th
				>	e Sales Contract
				836	where the buyer uses a Specific Payment Method. You authorize eBay and its Paym
				>	ent Partners to present
				837	those terms to the buyer on your behalf at checkout.
	583			838
n	584	Note: The Payment Partners and Acquirers will not be a party to and do not have	n	839	Note: The Payment Partners and Acquirers will not be a party to and do not have
	>	any contractual obligations to you under these Payments Terms of Use or any agre		>	any contractual
	>	ement between you and eBay, the buyer, or any other third party.
				840	obligations to you under these Payments Terms of Use or any agreement between y
				>	ou and eBay, the buyer,
				841	or any other third party.
	585			842
	586	#### Purchase and Assignment of Seller Receivables		843	#### Purchase and Assignment of Seller Receivables
	587			844
n	588	When a buyer uses a Specific Payment Method, you agree that the Responsible Paym	n	845	When a buyer uses a Specific Payment Method, you agree that the Responsible Paym
	>	ent Entity purchases your purchase claim against the buyer after the sale is com		>	ent Entity purchases
	>	pleted.
				846	your purchase claim against the buyer after the sale is completed.
	589			847
	590	Here’s how it works:		848	Here’s how it works:
	591			849
n	592	- Each time a sale is made, your purchase claim against the buyer (the "Seller R	n	850	- Each time a sale is made, your purchase claim against the buyer (the "Seller R
	>	eceivable") is automatically offered to the Responsible Payment Entity.		>	eceivable") is
				851	automatically offered to the Responsible Payment Entity.
	593	- If accepted, a "Single Purchase Agreement" is formed, and your Seller Receivab		852	- If accepted, a "Single Purchase Agreement" is formed, and your Seller Receivab
	>	le becomes a "Purchased Receivable".		>	le becomes a
	594	- You hereby assign to the Responsible Payment Entity all current and future Sel		853	"Purchased Receivable".
	>	ler Receivables —including the right to collect payment and any related or ancil
	>	lary rights. These ancillary rights include security interests, transport or def
	>	iciency insurance claims,
	595	withdrawal or rescission rights, and any claims against third parties with resp		854	- You hereby assign to the Responsible Payment Entity all current and future Sel
	>	ect to the relevant Seller Receivable. The Responsible Payment Entity hereby acc		>	ler Receivables
	>	epts the assignment. Upon conclusion of a Single Purchase Agreement, you and the
	>	Responsible Payment Entity reiterate
	596	the assignment of the relevant receivable identified through the transaction-ID		855	—including the right to collect payment and any related or ancillary rights. Th
	>	in the purchase offer whereby the purchase offer constitutes an offer to assign		>	ese ancillary
	>	the relevant receivable from you to the Responsible Payment Entity and the acce
	>	ptance of purchase offer constitutes an
				856	rights include security interests, transport or deficiency insurance claims,
				857	withdrawal or rescission rights, and any claims against third parties with resp
				>	ect to the relevant
				858	Seller Receivable. The Responsible Payment Entity hereby accepts the assignment
				>	. Upon conclusion of
				859	a Single Purchase Agreement, you and the Responsible Payment Entity reiterate
				860	the assignment of the relevant receivable identified through the transaction-ID
				>	in the purchase
				861	offer whereby the purchase offer constitutes an offer to assign the relevant re
				>	ceivable from you to
				862	the Responsible Payment Entity and the acceptance of purchase offer constitutes
				>	an
	597	acceptance of this offer by the Responsible Payment Entity.		863	acceptance of this offer by the Responsible Payment Entity.
	598			864
n	599	If further confirmation is needed to validate the assignment, you agree to take	n	865	If further confirmation is needed to validate the assignment, you agree to take
	>	any necessary action or sign any documents the Responsible Payment Entity reques		>	any necessary action
	>	ts.
				866	or sign any documents the Responsible Payment Entity requests.
	600			867
n	601	You also irrevocably authorize the Responsible Payment Entity with the power of	n	868	You also irrevocably authorize the Responsible Payment Entity with the power of
	>	sub-delegation to notify the buyer about the assignment and to exercise related		>	sub-delegation to
	>	rights in its own name, including any rights that can't be transferred.
				869	notify the buyer about the assignment and to exercise related rights in its own
				>	name, including any
				870	rights that can't be transferred.
	602			871
	603	#### Collection Risk/Collection		872	#### Collection Risk/Collection
	604			873
n	605	If the Responsible Payment Entity purchases a Seller Receivable from you (as des	n	874	If the Responsible Payment Entity purchases a Seller Receivable from you (as des
	>	cribed in Section 7), it also assumes the risk of non-payment from the buyer—exc		>	cribed in Section 7),
	>	ept in certain cases described in Section 7 (Defect Receivables).
				875	it also assumes the risk of non-payment from the buyer—except in certain cases
				>	described in
				876	Section 7 (Defect Receivables).
	606			877
	607	This means:		878	This means:
	608			879
n	609	- Even if a buyer becomes insolvent or payment cannot be collected from the buye	n	880	- Even if a buyer becomes insolvent or payment cannot be collected from the buye
	>	r for other reasons, the Responsible Payment Entity will pay you the purchase pr		>	r for other reasons,
	>	ice for the Purchased Receivable (minus any applicable fees or deductions).
	610	- It is up to the Responsible Payment Entity and our Payment Partners to decide		881	the Responsible Payment Entity will pay you the purchase price for the Purchase
	>	whether or how to pursue collection from the buyer. You won’t be involved in tha		>	d Receivable (minus
	>	t process.
				882	any applicable fees or deductions).
				883	- It is up to the Responsible Payment Entity and our Payment Partners to decide
				>	whether or how to
				884	pursue collection from the buyer. You won’t be involved in that process.
	611			885
n	612	- The financial risks and obligations related to enforcement are borne by the Re	n	886	- The financial risks and obligations related to enforcement are borne by the Re
	>	sponsible Payment entity who passes these along to the Acquirer and then to the		>	sponsible Payment
	>	Payment Partner through the Chain Assignment.
				887	entity who passes these along to the Acquirer and then to the Payment Partner t
				>	hrough the Chain
				888	Assignment.
	613			889
	614	#### Representations and Warranties		890	#### Representations and Warranties
	615			891
n	616	Each time a Seller Receivable is purchased under a Single Purchase Agreement (ma	n	892	Each time a Seller Receivable is purchased under a Single Purchase Agreement (ma
	>	king it a Purchased Receivable), you make the following representations and warr		>	king it a Purchased
	>	anties to the Responsible Payment Entity:
				893	Receivable), you make the following representations and warranties to the Respo
				>	nsible Payment Entity:
	617			894
n	618	- The Purchased Receivable is legally valid, validly assigned to the Responsible	n	895	- The Purchased Receivable is legally valid, validly assigned to the Responsible
	>	Payment Entity, and enforceable against the buyer.		>	Payment Entity, and
				896	enforceable against the buyer.
	619	- You have full ownership rights to assign and transfer the Purchased Receivable		897	- You have full ownership rights to assign and transfer the Purchased Receivable
	>	, and it has not been assigned or transferred to anyone else.		>	, and it has not
	620	- You will ship, deliver, or provide the item(s) to the buyer completely, on tim		898	been assigned or transferred to anyone else.
	>	e, and as described in the Sales Contract—so the buyer has no valid reason to wi
	>	thhold payment or seek refunds, set off, claim supplementary performance, reduct
	>	ion, rescission right, or damage
				899	- You will ship, deliver, or provide the item(s) to the buyer completely, on tim
				>	e, and as described in
				900	the Sales Contract—so the buyer has no valid reason to withhold payment or seek
				>	refunds, set
				901	off, claim supplementary performance, reduction, rescission right, or damage
	621	claims.		902	claims.
	622			903
n	623	These representations are also passed along “back-to-back” to the Acquirer and P	n	904	These representations are also passed along “back-to-back” to the Acquirer and P
	>	ayment Partners through the Chain Assignment process.		>	ayment
				905	Partners through the Chain Assignment process.
	624			906
	625	#### Assignment of Purchased Receivables back to You/Disputes		907	#### Assignment of Purchased Receivables back to You/Disputes
	626			908
n	627	In certain cases, a Purchased Receivable may be returned (assigned back) to you.	n	909	In certain cases, a Purchased Receivable may be returned (assigned back) to you.
	>	This happens when the Purchased Receivable becomes a " Defect Receivable ",		>	This happens when
	>	including:
				910	the Purchased Receivable becomes a " Defect Receivable ", including:
	628			911
	629	- The buyer cancels the Sales Contract due to a withdrawal right or a return you		912	- The buyer cancels the Sales Contract due to a withdrawal right or a return you
	>	offered.		>	offered.
n	630	- A claim or dispute is filed (such as an eMBG claim) where the buyer objects to	n	913	- A claim or dispute is filed (such as an eMBG claim) where the buyer objects to
	>	the Purchased Receivable, and you don’t provide valid proof of shipment, delive		>	the Purchased
	>	ry, or other required performance.
				914	Receivable, and you don’t provide valid proof of shipment, delivery, or other r
				>	equired
				915	performance.
	631	- You breach a representation or warranty from Section 7		916	- You breach a representation or warranty from Section 7
	632			917
n	633	or in any other case where you give a refund to a buyer for any Purchased Receiv	n	918	or in any other case where you give a refund to a buyer for any Purchased Receiv
	>	able (“ Refunded Receivable ”).		>	able
				919	(“ Refunded Receivable ”).
	634			920
n	635	In these cases, the Acquirer may return the Defect/Refunded Receivable to the Re	n	921	In these cases, the Acquirer may return the Defect/Refunded Receivable to the Re
	>	sponsible Payment Entity, who may then reassign it to you.		>	sponsible Payment
				922	Entity, who may then reassign it to you.
	636			923
n	637	The Responsible Payment Entity hereby assigns all current and future Defect/Refu	n	924	The Responsible Payment Entity hereby assigns all current and future Defect/Refu
	>	nded Receivables to you under the condition that we notify you of the refund to		>	nded Receivables to
	>	the buyer in relation to a Defect or Refund Receivable (the “Reassignment Notice
	>	”), and you hereby accept
	638	the assignment of all current and future Defect/Refunded Receivables. You are o		925	you under the condition that we notify you of the refund to the buyer in relati
	>	bliged to pay back any purchase price which you have received from the Responsib		>	on to a Defect or
	>	le Payment Entity for the Defect/Refunded Receivable without undue delay after t
	>	he relevant Re-Assignment Notice was
				926	Refund Receivable (the “Reassignment Notice”), and you hereby accept
				927	the assignment of all current and future Defect/Refunded Receivables. You are o
				>	bliged to pay back any
				928	purchase price which you have received from the Responsible Payment Entity for
				>	the Defect/Refunded
				929	Receivable without undue delay after the relevant Re-Assignment Notice was
	639	provided. The Responsible Payment Entity is entitled to set off this claim agai		930	provided. The Responsible Payment Entity is entitled to set off this claim agai
	>	nst you with any further payment it is obliged to pay to you.		>	nst you with any
				931	further payment it is obliged to pay to you.
	640			932
	641	#### Information and Assistance Obligations/General Provisions		933	#### Information and Assistance Obligations/General Provisions
	642			934
	643	You must promptly inform us if:		935	You must promptly inform us if:
	644			936
n	645	- You become aware that any of your representations or warranties (see Section 7	n	937	- You become aware that any of your representations or warranties (see Section 7
	>	) were incorrect or have been breached.		>	) were incorrect or
	646	- You learn of any issue that could materially impair or jeopardise claiming the		938	have been breached.
	>	amount of the Purchased Receivable from the buyer or reduce the chances of the
	>	buyer paying.
				939	- You learn of any issue that could materially impair or jeopardise claiming the
				>	amount of the
				940	Purchased Receivable from the buyer or reduce the chances of the buyer paying.
	647	- You learn of any issue that might materially change your solvency.		941	- You learn of any issue that might materially change your solvency.
	648			942
	649	If you accidentally receive a payment directly from a buyer for a Purchased Rece		943	If you accidentally receive a payment directly from a buyer for a Purchased Rece
	>	ivable:		>	ivable:
	650			944
n	651	- You must reject the payment, refund it to the buyer, and tell them to pay the	n	945	- You must reject the payment, refund it to the buyer, and tell them to pay the
	>	appropriate Payment Partner instead.		>	appropriate Payment
				946	Partner instead.
	652	- You must also notify us about the rejected payment.		947	- You must also notify us about the rejected payment.
	653			948
n	654	Upon request, you must provide any information, records, or documents needed by	n	949	Upon request, you must provide any information, records, or documents needed by
	>	the Responsible Payment Entity, the Acquirer, or the Payment Partner to verify o		>	the Responsible
	>	r enforce the Purchased Receivables.
				950	Payment Entity, the Acquirer, or the Payment Partner to verify or enforce the P
				>	urchased Receivables.
	655			951
	656	### 8. Collection of Fees and Other Amounts You Owe		952	### 8. Collection of Fees and Other Amounts You Owe
	657			953
n	658	You authorize us to collect from you any amounts you owe us, our Affiliates (in	n	954	You authorize us to collect from you any amounts you owe us, our Affiliates (in
	>	particular the Affiliate which provides the eBay Services to you or the eMBG Ser		>	particular the Affiliate
	>	vice Provider), or third-party providers (e.g., shipping carriers) who, as separ
	>	ately authorized by you, provide services
	659	to you in connection with your use of the eBay Services, under these Payments T		955	which provides the eBay Services to you or the eMBG Service Provider), or third
	>	erms of Use, the User Agreement , any other service contract, policy, agreement		>	-party providers (e.g.,
	>	or as required by law
				956	shipping carriers) who, as separately authorized by you, provide services
				957	to you in connection with your use of the eBay Services, under these Payments T
				>	erms of Use, the User
				958	Agreement , any other service contract, policy, agreement or as required by law
	660	(referred to as “Owed Amounts”).		959	(referred to as “Owed Amounts”).
	661			960
	662	Owed Amounts typically include the following:		961	Owed Amounts typically include the following:
	663			962
	664	- Fees;		963	- Fees;
n	665	- Amounts as described in “Returns and Cancellations; Refunds”, “Disputes” or “F	n	964	- Amounts as described in “Returns and Cancellations; Refunds”, “Disputes” or
	>	ines, Penalties and Losses” in Section 5 above;
				965	“Fines, Penalties and Losses” in Section 5 above;
	666	- Amounts you owe the eMBG Service Provider under the applicable eMBG Policy;		966	- Amounts you owe the eMBG Service Provider under the applicable eMBG Policy;
n	667	- Amounts necessary to recover a negative balance on your account regardless of	n	967	- Amounts necessary to recover a negative balance on your account regardless of
	>	the reason for the negative balance.		>	the reason for the
				968	negative balance.
	668	- Taxes or other charges related to your use of our or our Affiliates’ services,		969	- Taxes or other charges related to your use of our or our Affiliates’ services,
	>	if applicable and required by law; and		>	if applicable
				970	and required by law; and
	669	- Amounts we incorrectly settled to you due to a payment processing error or oth		971	- Amounts we incorrectly settled to you due to a payment processing error or oth
	>	erwise (see Section 1 above).		>	erwise (see Section 1
				972	above).
	670			973
n	671	For clarity, your authorization permits us to collect amounts which you already	n	974	For clarity, your authorization permits us to collect amounts which you already
	>	owe to us, our Affiliates or third parties as described above. This authorizatio		>	owe to us, our
	>	n does not establish any new claims for payment against you. In some cases, our
	>	Affiliates may assign a claim against you
				975	Affiliates or third parties as described above. This authorization does not est
				>	ablish any new claims for
				976	payment against you. In some cases, our Affiliates may assign a claim against y
				>	ou
	672	for payment of Owed Amounts payable by you to us.		977	for payment of Owed Amounts payable by you to us.
	673			978
n	674	Collection of the Owed Amounts may be carried out on a one-time, sporadic, or re	n	979	Collection of the Owed Amounts may be carried out on a one-time, sporadic, or re
	>	curring basis by the following means:		>	curring basis by the
				980	following means:
	675			981
n	676	- Deducting from your current or future amounts pending settlement to you as ref	n	982	- Deducting from your current or future amounts pending settlement to you as ref
	>	lected in any of your eBay accounts;		>	lected in any of your
				983	eBay accounts;
	677	- Charging your Linked Financial Account (and if required, by issuing a direct d		984	- Charging your Linked Financial Account (and if required, by issuing a direct d
	>	ebit mandate or other similar authorization);		>	ebit mandate or other
				985	similar authorization);
	678	- Charging any other payment method you’ve authorized or stored with us or our A		986	- Charging any other payment method you’ve authorized or stored with us or our A
	>	ffiliates (e.g., for seller fees, shipping, or disputes);		>	ffiliates (e.g.,
	679	- Deducting from your stored value account (if such an account has been issued t		987	for seller fees, shipping, or disputes);
	>	o you);
				988	- Deducting from your eBay balance account, stored value account, payment accoun
				>	t or E-Money account
				989	(as applicable);
	680	- Using a collections agency or other collection methods if the collection by ot		990	- Using a collections agency or other collection methods if the collection by ot
	>	her means has been unsuccessful.		>	her means has been
				991	unsuccessful.
	681			992
n	682	You authorize us to choose the method of payment among those listed above. We no	n	993	You authorize us to choose the method of payment among those listed above. We no
	>	rmally deduct Owed Amounts from your upcoming disbursements. If you have a store		>	rmally deduct Owed
	>	d value account, we’ll collect payment from those funds first. If your funds are
	>	insufficient to cover the Owed
	683	Amounts, you owe the remaining amount to us and we’ll charge your Linked Financ		994	Amounts from your upcoming disbursements. If you have an eBay balance account,
	>	ial Account or another saved payment method. If you have several payment instrum		>	stored value account,
	>	ents on file, you may indicate a preferred method for collecting Owed Amounts in
	>	your eBay account.
				995	payment account or E-Money account, we’ll collect payment from those funds firs
				>	t. If your funds
				996	are insufficient to cover the Owed
				997	Amounts, you owe the remaining amount to us and we’ll charge your Linked Financ
				>	ial Account or
				998	another saved payment method. If you have several payment instruments on file,
				>	you may indicate a
				999	preferred method for collecting Owed Amounts in your eBay account.
	684			1000
n	685	You also authorize the Affiliate whom you have entered into the User Agreement w	n	1001	You also authorize the Affiliate whom you have entered into the User
	>	ith for the provision of eBay Services to charge you for any Owed Amounts on our
	>	behalf from any payment
				1002	Agreement with for the provision of eBay Services to charge you for any Owed Am
				>	ounts on our behalf
				1003	from any payment
	686	method you may have on file with such Affiliate.		1004	method you may have on file with such Affiliate.
	687			1005
n	688	If you provide us with a SEPA/BECS direct debit mandate for debiting Owed Amount	n	1006	If you provide us with a SEPA/BECS direct debit mandate for debiting Owed Amount
	>	s from your bank account, any required advance notice will be given to you at le		>	s from your bank
	>	ast three days prior to charging your bank account. At any point prior to you ex
	>	plicitly cancelling a SEPA/BECS direct
	689	debit mandate we have obtained from you, we may deduct Owed Amounts based on su		1007	account, any required advance notice will be given to you at least three days p
	>	ch mandate. Unless you are a consumer in the EU or UK, you waive, to the extent		>	rior to charging your
	>	possible under applicable law, any rights you may have to receive advance notice
	>	of any particular preauthorized charge.
				1008	bank account. At any point prior to you explicitly cancelling a SEPA/BECS direc
				>	t
				1009	debit mandate we have obtained from you, we may deduct Owed Amounts based on su
				>	ch mandate. Unless you
				1010	are a consumer in the EU or UK, you waive, to the extent possible under applica
				>	ble law, any rights you
				1011	may have to receive advance notice of any particular preauthorized charge.
	690			1012
n	691	If our attempt to recoup an Owed Amount from a payment instrument you have autho	n	1013	If our attempt to recoup an Owed Amount from a payment instrument you have autho
	>	rized us to use fails as a result of your acts or omissions, we may charge you f		>	rized us to use fails
	>	or the failed attempt as set forth on the Fee Page or as applicable in Parts IV
	>	and V below.
				1014	as a result of your acts or omissions, we may charge you for the failed attempt
				>	as set forth on the Fee
				1015	Page or as applicable in Parts IV and V below.
	692			1016
n	693	If you are a private seller residing in Switzerland, § 7 of eBay's User Agreemen	n	1017	If you are a private seller residing in Switzerland, § 7 of eBay's User Agreemen
	>	t applies, in particular in relation to compensation for damages resulting from		>	t applies, in
	>	delay and recovery of costs incurred in connection with the assertion of rights.
				1018	particular in relation to compensation for damages resulting from delay and rec
				>	overy of costs incurred
				1019	in connection with the assertion of rights.
	694			1020
	695	### 9. Amendment		1021	### 9. Amendment
	696			1022
	697	#### All Sellers (except consumers in Germany)		1023	#### All Sellers (except consumers in Germany)
	698			1024
n	699	We may amend these Payments Terms of Use by giving you written notice (e.g., via	n	1025	We may amend these Payments Terms of Use by giving you written notice (e.g., via
	>	Seller Hub, eBay Message Center, or our website). We’ll notify you before the c		>	Seller Hub, eBay
	>	hanges take effect, based on your Payout Entity:
				1026	Message Center, or our website). We’ll notify you before the changes take effec
				>	t, based on your
				1027	Payout Entity:
	700			1028
	701	- eBay Sarl – at least 2 months in advance		1029	- eBay Sarl – at least 2 months in advance
n	702	- eCUK (if you’re a consumer, micro-enterprise, or charity) – at least 2 mon	n	1030	- eCUK (if you’re a consumer, micro-enterprise, or charity) – at least
	>	ths in advance
				1031	2 months in advance
	703	- eCA – at least 30 days in advance		1032	- eCA – at least 30 days in advance
	704	- All others – at least 14 days in advance		1033	- All others – at least 14 days in advance
	705			1034
n	706	If you're a consumer outside Germany with eBay Sarl or eCUK as your Payout Entit	n	1035	If you're a consumer outside Germany with eBay Sarl or eCUK as your Payout Entit
	>	y, you are deemed to have consented to changes unless you reject them before the		>	y, you are deemed to
	>	y take effect. For all others, continuing to use Managed Payments after the effe
	>	ctive date means you accept the changes.
				1036	have consented to changes unless you reject them before they take effect. For a
				>	ll others, continuing
				1037	to use Managed Payments after the effective date means you accept the changes.
	707			1038
	708	#### Consumers in Germany		1039	#### Consumers in Germany
	709			1040
n	710	If you are a consumer in Germany, we may propose changes to these Payments Terms	n	1041	If you are a consumer in Germany, we may propose changes to these Payments Terms
	>	of Use at any time. We'll notify you in text form (e.g., email and/or via Selle		>	of Use at any time.
	>	r Hub or Message Center) at least 2 months before the changes are expected to ta
	>	ke effect.
				1042	We'll notify you in text form (e.g., email and/or via Seller Hub or Message Cen
				>	ter) at least 2 months
				1043	before the changes are expected to take effect.
	711			1044
	712	Changes we propose only take effect if you accept them as follows:		1045	Changes we propose only take effect if you accept them as follows:
	713			1046
	714	- Material changes (as defined below): We will request your explicit consent.		1047	- Material changes (as defined below): We will request your explicit consent.
n	715	- Non-material changes: You’re deemed to have accepted the proposed changes unle	n	1048	- Non-material changes: You’re deemed to have accepted the proposed changes unle
	>	ss you reject them in text form (e.g., email) before they take effect. In case w		>	ss you reject
	>	e propose non-material changes, we'll inform you about your right to reject, the
	>	time period, and your termination
				1049	them in text form (e.g., email) before they take effect. In case we propose non
				>	-material changes,
				1050	we'll inform you about your right to reject, the time period, and your terminat
				>	ion
	716	right (see subsection below) in the notice with which we propose the changes.		1051	right (see subsection below) in the notice with which we propose the changes.
	717			1052
n	718	A “material change” is a change of these Payments Terms of Use (especially with	n	1053	A “material change” is a change of these Payments Terms of Use (especially with
	>	respect to provisions defining the type and general scope of the agreed services		>	respect to
	>	or the term and termination) in our favor, which would significantly shift the
	>	balance between service and
				1054	provisions defining the type and general scope of the agreed services or the te
				>	rm and termination) in
				1055	our favor, which would significantly shift the balance between service and
	719	remuneration to your disadvantage or would effectively establish an entirely ne		1056	remuneration to your disadvantage or would effectively establish an entirely ne
	>	w contract.		>	w contract.
	720			1057
n	721	Changes required by law, court rulings, legal orders or due to binding undertaki	n	1058	Changes required by law, court rulings, legal orders or due to binding undertaki
	>	ngs to consumer or competition protection associations or regulators do not cons		>	ngs to consumer or
	>	titute a material change.
				1059	competition protection associations or regulators do not constitute a material
				>	change.
	722			1060
	723	#### Your Right to Terminate in case of amendments (All Sellers)		1061	#### Your Right to Terminate in case of amendments (All Sellers)
	724			1062
n	725	If you disagree with any proposed changes, you may terminate these Payments Term	n	1063	If you disagree with any proposed changes, you may terminate these Payments Term
	>	s of Use at no cost before the effective date, in line with Section 10 (“Term, T		>	s of Use at no cost
	>	ermination”). The amended Payments Terms of Use will always be posted on the eBa
	>	y website.
				1064	before the effective date, in line with Section 10 (“Term, Termination”). The a
				>	mended
				1065	Payments Terms of Use will always be posted on the eBay website.
	726			1066
	727	### 10. Term, Termination		1067	### 10. Term, Termination
	728			1068
	730			1070
	731	#### Our Right to Terminate		1071	#### Our Right to Terminate
	732			1072
n	733	We may terminate this agreement by giving you written notice via email to your r	n	1073	We may terminate this agreement by giving you written notice via email to your r
	>	egistered email address:		>	egistered email
				1074	address:
	734			1075
	735	- 14 days in advance; or		1076	- 14 days in advance; or
	736	- 2 months in advance if your Payout Entity is eBay Sarl; or		1077	- 2 months in advance if your Payout Entity is eBay Sarl; or
n	737	- 90 days in advance if your Payout Entity is eCUK and you are a consumer, micro	n	1078	- 90 days in advance if your Payout Entity is eCUK and you are a consumer, micro
	>	enterprise or a charity.		>	enterprise or a
				1079	charity.
	738			1080
	739	We may also terminate immediately or with less notice if:		1081	We may also terminate immediately or with less notice if:
	740			1082
	741	- We’re required to do so by law or court order.		1083	- We’re required to do so by law or court order.
n	742	- A government authority instructs us to do so to comply with anti-money launder	n	1084	- A government authority instructs us to do so to comply with anti-money launder
	>	ing or counter-terrorism financing laws.		>	ing or
				1085	counter-terrorism financing laws.
	743	- We have reason to believe you’re engaged in illegal or prohibited activity (e.		1086	- We have reason to believe you’re engaged in illegal or prohibited activity (e.
	>	g., fraud, money laundering, sanctions violations).		>	g., fraud,
				1087	money laundering, sanctions violations).
	744	- We can’t verify your identity or other required information.		1088	- We can’t verify your identity or other required information.
	745	- You breach a material obligation or seriously or persistently violate these te		1089	- You breach a material obligation or seriously or persistently violate these te
	>	rms.		>	rms.
	746			1090
	747	#### Your Right to Terminate		1091	#### Your Right to Terminate
	748			1092
n	749	If your Payout Entity is eBay Sarl or eCUK, you may terminate these Payments Ter	n	1093	If your Payout Entity is eBay Sarl or eCUK, you may terminate these Payments Ter
	>	ms of Use and close your payment account with 1 month’s notice by:		>	ms of Use and close
				1094	your payment account with 1 month’s notice by:
	750			1095
	751	- Emailing eBay Sarl at payments@ebay.de or eCUK at paymentsinfouk@ebay.com, or		1096	- Emailing eBay Sarl at payments@ebay.de or eCUK at paymentsinfouk@ebay.com, or
	752	- Contacting Customer Service (via chat or Contact Us form).		1097	- Contacting Customer Service (via chat or Contact Us form).
	753			1098
n	754	If your Payout Entity is not eBay Sarl or eCUK, you can terminate by closing you	n	1099	If your Payout Entity is not eBay Sarl or eCUK, you can terminate by closing you
	>	r eBay account. If you continue to use Managed Payments afterward, you’ll be dee		>	r eBay account. If
	>	med to have accepted these terms again.
				1100	you continue to use Managed Payments afterward, you’ll be deemed to have accept
				>	ed these terms
				1101	again.
	755			1102
	756	If you terminate your agreement with one eBay Payment Entity, it applies to all		1103	If you terminate your agreement with one eBay Payment Entity, it applies to all
	>	others as well.		>	others as well.
	757			1104
	758	#### Effect of Termination		1105	#### Effect of Termination
	759			1106
n	760	Using eBay as a seller requires continued registration for Managed Payments. If	n	1107	Using eBay as a seller requires continued registration for Managed Payments. If
	>	you terminate this agreement, you can’t continue selling on eBay and using the o		>	you terminate this
	>	ther eBay Services provided by our Affiliates. Our Affiliates may terminate your
	>	User Agreement accordingly.
				1108	agreement, you can’t continue selling on eBay and using the other eBay Services
				>	provided by our
				1109	Affiliates. Our Affiliates may terminate your User Agreement accordingly.
	761			1110
n	762	Termination doesn’t affect obligations or rights that already accrued until term	n	1111	Termination doesn’t affect obligations or rights that already accrued until term
	>	ination. You’re still responsible for any amounts owed to us relating to your ac		>	ination.
	>	tivities prior to termination, and we can collect them as described in these Pay
	>	ments Terms of Use.
				1112	You’re still responsible for any amounts owed to us relating to your activities
				>	prior to
				1113	termination, and we can collect them as described in these Payments Terms of Us
				>	e.
	763			1114
n	764	Any pending transactions will be completed under these Payments Terms of Use, un	n	1115	Any pending transactions will be completed under these Payments Terms of Use, un
	>	less prohibited by law.		>	less prohibited by
				1116	law.
	765			1117
n	766	After termination takes effect, you’ll no longer be able to list or sell items o	n	1118	After termination takes effect, you’ll no longer be able to list or sell items o
	>	n eBay Services.		>	n eBay
				1119	Services.
	767			1120
	768	### 11. Assignment		1121	### 11. Assignment
	769			1122
n	770	We may assign our rights and obligations under these Payments Terms of Use at ou	n	1123	We may assign our rights and obligations under these Payments Terms of Use at ou
	>	r sole discretion. If we do, we’ll notify you.		>	r sole discretion. If
				1124	we do, we’ll notify you.
	771			1125
	772	## II. ADDITIONAL TERMS FOR SERVICES PROVIDED BY ECI		1126	## II. ADDITIONAL TERMS FOR SERVICES PROVIDED BY ECI
	773			1127
n	774	In addition to the General Payments Terms above, the following provisions apply	n	1128	In addition to the General Payments Terms above, the following provisions apply
	>	with respect to Payment Services provided by eCI. Within this section, “ we		>	with respect to Payment
	>	” or “ us ” refers to eCI.
				1129	Services provided by eCI. Within this section, “ we ” or “ us ” refers
				>	to
				1130	eCI.
	775			1131
n	776	As between you and eCI, these Payments Terms of Use incorporate by this referenc	n	1132	As between you and eCI, these Payments Terms of Use incorporate by this referenc
	>	e the provisions of the User Agreement and the Spendable Funds Terms to the exte		>	e the provisions of the User
	>	nt applicable to this agreement. In the event of any conflict between the User A
	>	greement and these
	777	Payments Terms of Use, these Payments Terms of Use will govern. In the event of		1133	Agreement to the extent applicable to this agreement. In the event of any confl
	>	any conflict between the Spendable Funds Terms and these Payment Terms of Use,		>	ict between the User
	>	the Spendable Funds Terms will govern.
				1134	Agreement and these Payments Terms of Use, these Payments Terms of Use will gov
				>	ern.
	778			1135
	779	We may change, discontinue, enhance, or modify features of Managed Payments at a		1136	We may change, discontinue, enhance, or modify features of Managed Payments at a
	>	ny time.		>	ny time.
	780			1137
	781	### 1. Appointment of eCI as Agent		1138	### 1. Appointment of eCI as Agent
	782			1139
n	783	**eCI will receive payments on your behalf as your agent. You hereby appoint eCI	n	1140	**eCI will receive payments on your behalf as your agent. You hereby appoint eCI
	>	as your agent for the limited purpose of receiving, holding and settling paymen		>	as your agent for
	>	ts for Managed Payments transactions.**
				1141	the limited purpose of receiving, holding and settling payments for Managed Pay
				>	ments transactions.**
	784			1142
n	785	A payment received by us from a buyer, on your behalf, satisfies the buyer's obl	n	1143	A payment received by us from a buyer, on your behalf, satisfies the buyer's obl
	>	igation to you in the amount of the payment received, regardless of whether we a		>	igation to you in the
	>	ctually settle such payment to you. In the event that we do not make any such pa
	>	yment to you as described in these
	786	Payments Terms of Use, you will have recourse against us only and not against t		1144	amount of the payment received, regardless of whether we actually settle such p
	>	he buyer, as such payment is deemed to be made by the buyer to you upon receipt		>	ayment to you. In the
	>	by us. To the extent permissible under the rules of any third-party or governmen
	>	tal body with jurisdiction over us, you
				1145	event that we do not make any such payment to you as described in these
				1146	Payments Terms of Use, you will have recourse against us only and not against t
				>	he buyer, as such payment
				1147	is deemed to be made by the buyer to you upon receipt by us. To the extent perm
				>	issible under the rules
				1148	of any third-party or governmental body with jurisdiction over us, you
	787	agree that we are not liable for your acts and omissions and you understand tha		1149	agree that we are not liable for your acts and omissions and you understand tha
	>	t we disclaim any such liability.		>	t we disclaim any such
				1150	liability.
	788			1151
	789	### 2. Information Returns		1152	### 2. Information Returns
	790			1153
n	791	eBay may be required to issue information return(s) to you related to payments m	n	1154	eBay may be required to issue information return(s) to you related to payments m
	>	ade to you during a calendar year, such as IRS Forms 1099. Your acceptance of th		>	ade to you during a
	>	ese Payments Terms of Use and continued use of our Payment Services evidence you
	>	r agreement to receive any information
	792	return, such as Forms 1099-K or any other Form 1099 required to be issued to yo		1155	calendar year, such as IRS Forms 1099. Your acceptance of these Payments Terms
	>	u, electronically. You may access an electronic copy of Forms 1099 by downloadin		>	of Use and continued use
	>	g the form where it is made available to you in Seller Hub . You can choose to r
	>	eceive paper information returns mailed to you by opting out of paperless-only d
	>	elivery. The elections will be effective for
	793	current and future years unless you change your election. You will not receive		1156	of our Payment Services evidence your agreement to receive any information
	>	any information returns in the mail unless you’ve opted out of electronic delive
	>	ry by December 31, or we are otherwise required to send a paper copy of your inf
	>	ormation return by mail.
				1157	return, such as Forms 1099-K or any other Form 1099 required to be issued to yo
				>	u, electronically. You
				1158	may access an electronic copy of Forms 1099 by downloading the form where it is
				>	made available to you in Seller
				1159	Hub . You can choose to receive paper information returns mailed to you by opti
				>	ng out of
				1160	paperless-only delivery. The elections will be effective for
				1161	current and future years unless you change your election. You will not receive
				>	any information returns
				1162	in the mail unless you’ve opted out of electronic delivery by December 31, or w
				>	e are otherwise
				1163	required to send a paper copy of your information return by mail.
	794			1164
	795	### 3. Authorization for Collection of Owed Amounts		1165	### 3. Authorization for Collection of Owed Amounts
	796			1166
n	797	**You hereby authorize eCI to debit or charge any Owed Amount from your Linked F	n	1167	**You hereby authorize eCI to debit or charge any Owed Amount from your Linked F
	>	inancial Account or any other payment method you have on file with us, including		>	inancial Account
	>	your stored value account (if stored value has been issued to you). Your author
	>	ization will remain in full force and
	798	effect until the earlier occurrence of: our receipt from you of any written com		1168	or any other payment method you have on file with us, including your eBay balan
	>	munication that revokes such authorization, or upon the closure or termination o		>	ce account (if such an
	>	f your eBay account.**
				1169	account has been issued to you). Your authorization will remain in full force a
				>	nd
				1170	effect until the earlier occurrence of: our receipt from you of any written com
				>	munication that revokes
				1171	such authorization, or upon the closure or termination of your eBay account.**
	799			1172
n	800	To the extent permitted by law, you hereby irrevocably sell, assign, grant, conv	n	1173	To the extent permitted by law, you hereby irrevocably sell, assign, grant, conv
	>	ey and transfer to eBay and its Affiliates, as applicable, all of your rights, t		>	ey and transfer to eBay
	>	itle, and interests in any and all accounts receivable, payments of money, and g
	>	eneral intangibles owed in your favor to
	801	satisfy any and all obligations or liabilities you owe to eBay or its applicabl		1174	and its Affiliates, as applicable, all of your rights, title, and interests in
	>	e Affiliate in connection with your use of Managed Payments and eBay Services fo		>	any and all accounts
	>	r the sale of goods or services to your Buyers.
				1175	receivable, payments of money, and general intangibles owed in your favor to
				1176	satisfy any and all obligations or liabilities you owe to eBay or its applicabl
				>	e Affiliate in connection
				1177	with your use of Managed Payments and eBay Services for the sale of goods or se
				>	rvices to your Buyers.
	802			1178
n			n	1179	### 4. U.S. eBay balance Enrollment
				1180
				1181	Enrollment in and your use of eBay balance in the U.S. is governed by the terms
				>	and conditions set
				1182	forth in the U.S. Balance Terms, which supplement and are incorporated by refer
				>	ence into these Payments
				1183	Terms of Use. In the event of any conflict between the U.S. Balance Terms and t
				>	hese Payments Terms of
				1184	Use, the U.S. Balance Terms will control.
				1185
	803	### 4. Legal Disputes		1186	### 5. Legal Disputes
	804			1187
n	805	**PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS AND WILL HAVE A SUB	n	1188	**PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS AND WILL HAVE A SUB
	>	STANTIAL IMPACT ON HOW CLAIMS YOU AND eCI HAVE AGAINST EACH OTHER ARE RESOLVED.*		>	STANTIAL IMPACT ON
	>	*
				1189	HOW CLAIMS YOU AND eCI HAVE AGAINST EACH OTHER ARE RESOLVED.**
	806			1190
n	807	**You and eCI agree that any claim or dispute at law or equity that has arisen,	n	1191	**You and eCI agree that any claim or dispute at law or equity that has arisen,
	>	or may arise, between you and eCI (or any related third parties) that relates in		>	or may arise, between
	>	any way to or arises out of this or previous versions of these Payments Terms o
	>	f Use, your use of or access to Managed
				1192	you and eCI (or any related third parties) that relates in any way to or arises
				>	out of this or
				1193	previous versions of these Payments Terms of Use, your use of or access to Mana
				>	ged
	808	Payments, or the actions of eCI or its agents, will be resolved in accordance w		1194	Payments, or the actions of eCI or its agents, will be resolved in accordance w
	>	ith the provisions set forth in this Legal Disputes Section.**		>	ith the provisions set
				1195	forth in this Legal Disputes Section.**
	809			1196
n	810	#### 4.1. Applicable Law	n	1197	#### 5.1. Applicable Law
	811			1198
n	812	You agree that, except to the extent inconsistent with or preempted by federal l	n	1199	You agree that, except to the extent inconsistent with or preempted by federal l
	>	aw, the laws of the State of Utah, without regard to principles of conflict of l		>	aw, the laws of the
	>	aws, will govern these Payments Terms of Use and any claim or dispute that has a
	>	risen or may arise between you and eCI,
				1200	State of Utah, without regard to principles of conflict of laws, will govern th
				>	ese Payments Terms of
				1201	Use and any claim or dispute that has arisen or may arise between you and eCI,
	813	except as otherwise stated in these Payments Terms of Use.		1202	except as otherwise stated in these Payments Terms of Use.
	814			1203
n	815	#### 4.2. Agreement to Arbitrate	n	1204	#### 5.2. Agreement to Arbitrate
	816			1205
n	817	**You and eCI each agree that any and all disputes or claims that have arisen, o	n	1206	**You and eCI each agree that any and all disputes or claims that have arisen, o
	>	r may arise, between you and eCI (or any related third parties) that relate in a		>	r may arise,
	>	ny way to or arise out of this or previous versions of these Payments Terms of U
	>	se, your use of or access to Managed
	818	Payments, the actions of eCI or its agents, or any products or services sold, o		1207	between you and eCI (or any related third parties) that relate in any way to or
	>	ffered, or purchased through the Services shall be resolved exclusively through		>	arise out of this or
	>	final and binding arbitration, rather than in court. In this Legal Disputes Sect
	>	ion, the term “related third parties”
	819	includes your and eCI’s respective affiliates, subsidiaries, parent companies,		1208	previous versions of these Payments Terms of Use, your use of or access to Mana
	>	predecessors, successors, assigns, as well as your, eCI’s, and these entities’ e		>	ged
	>	mployees and agents. Alternatively, you may assert your claims in small claims c
	>	ourt, if your claims qualify and so
	820	long as the matter remains in such court and advances only on an individual (no		1209	Payments, the actions of eCI or its agents, or any products or services sold, o
	>	n-class, non-representative) basis. The Federal Arbitration Act governs the inte		>	ffered, or purchased
	>	rpretation and enforcement of this Agreement to Arbitrate.**
				1210	through the Services shall be resolved exclusively through final and binding ar
				>	bitration, rather
				1211	than in court. In this Legal Disputes Section, the term “related third parties”
				1212	includes your and eCI’s respective affiliates, subsidiaries, parent companies,
				>	predecessors,
				1213	successors, assigns, as well as your, eCI’s, and these entities’ employees and
				>	agents.
				1214	Alternatively, you may assert your claims in small claims court, if your claims
				>	qualify and so
				1215	long as the matter remains in such court and advances only on an individual (no
				>	n-class,
				1216	non-representative) basis. The Federal Arbitration Act governs the interpretati
				>	on and enforcement of
				1217	this Agreement to Arbitrate.**
	821			1218
	822	- Prohibition of Class and Representative Actions and Non-Individualized Relief		1219	- Prohibition of Class and Representative Actions and Non-Individualized Relief
	823			1220
n	824	**YOU AND eCI AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON A	n	1221	**YOU AND eCI AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON A
	>	N INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS		>	N INDIVIDUAL
	>	, OR REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION OR PROCEEDING. UNLESS BOT
	>	H YOU AND eCI AGREE OTHERWISE, THE
	825	ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS		1222	BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, OR REPRESE
	>	, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE,		>	NTATIVE OR
	>	CLASS, OR PRIVATE ATTORNEY GENERAL ACTION OR PROCEEDING. ALSO, THE ARBITRATOR M
	>	AY AWARD RELIEF (INCLUDING
	826	MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL P		1223	PRIVATE ATTORNEY GENERAL ACTION OR PROCEEDING. UNLESS BOTH YOU AND eCI AGREE OT
	>	ARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITA		>	HERWISE, THE
	>	TED BY THAT PARTY'S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OTHER
	>	USERS.
				1224	ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS
				>	, AND MAY NOT
				1225	OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, CLASS, OR PR
				>	IVATE ATTORNEY
				1226	GENERAL ACTION OR PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING
				1227	MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL P
				>	ARTY SEEKING
				1228	RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT
				>	PARTY'S
				1229	INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OTHER USERS.
	827	**		1230	**
n	828	If a court decides that applicable law precludes enforcement of any of this par	n	1231	If a court decides that applicable law precludes enforcement of any of this par
	>	agraph's limitations as to a particular claim or a particular request for a reme		>	agraph's
	>	dy (such as a request for injunctive relief), then that claim or that remedy req
	>	uest (and only that claim or that
	829	remedy request) must be severed from the arbitration and may be brought in cour		1232	limitations as to a particular claim or a particular request for a remedy (such
	>	t, subject to your and eCI’s right to appeal the court's decision. All other cla		>	as a request for
	>	ims will be arbitrated.
				1233	injunctive relief), then that claim or that remedy request (and only that claim
				>	or that
				1234	remedy request) must be severed from the arbitration and may be brought in cour
				>	t, subject to your
				1235	and eCI’s right to appeal the court's decision. All other claims will be arbitr
				>	ated.
	830	- Arbitration Procedures		1236	- Arbitration Procedures
	831			1237
n	832	Arbitration is more informal than a lawsuit in court. Arbitration uses a neutra	n	1238	Arbitration is more informal than a lawsuit in court. Arbitration uses a neutra
	>	l arbitrator instead of a judge or jury, and court review of an arbitration awar		>	l arbitrator
	>	d is very limited. However, an arbitrator can award the same damages and relief
	>	on an individualized basis that a
	833	court can award to an individual. An arbitrator should apply the terms of these		1239	instead of a judge or jury, and court review of an arbitration award is very li
	>	Payments Terms of Use as a court would. All issues are for the arbitrator to de		>	mited. However, an
	>	cide, except that issues relating to arbitrability, the scope or enforceability
	>	of this Agreement to Arbitrate, or
	834	the interpretation of Section 1 of this Agreement to Arbitrate ("**Prohibition		1240	arbitrator can award the same damages and relief on an individualized basis tha
	>	of Class and Representative Actions and Non-Individualized Relief**"), shall be		>	t a
	>	for a court of competent jurisdiction to decide.
				1241	court can award to an individual. An arbitrator should apply the terms of these
				>	Payments Terms of
				1242	Use as a court would. All issues are for the arbitrator to decide, except that
				>	issues relating to
				1243	arbitrability, the scope or enforceability of this Agreement to Arbitrate, or
				1244	the interpretation of Section 1 of this Agreement to Arbitrate ("**Prohibition
				>	of Class and
				1245	Representative Actions and Non-Individualized Relief**"), shall be for a court
				>	of
				1246	competent jurisdiction to decide.
	835			1247
	836			1248
n	837	The arbitration will be conducted by the American Arbitration Association ("**A	n	1249	The arbitration will be conducted by the American Arbitration Association ("**A
	>	AA**") under its rules and procedures, including the AAA's Consumer Arbitration		>	AA**")
	>	Rules and the AAA’s Commercial Arbitration Rules (as applicable), as modified by
	>	this Agreement to
	838	Arbitrate. The AAA's rules are available at www.adr.org. In the event that the		1250	under its rules and procedures, including the AAA's Consumer Arbitration Rules
	>	AAA is unavailable to administer the arbitration, another administrator will be		>	and the AAA’s
	>	selected by the parties or the court.A party who intends to seek arbitration
				1251	Commercial Arbitration Rules (as applicable), as modified by this Agreement to
				1252	Arbitrate. The AAA's rules are available at www.adr.org. In the
				1253	event that the AAA is unavailable to administer the arbitration, another admini
				>	strator will be
				1254	selected by the parties or the court.A party who intends to seek arbitration
				1255	must first send to the other, by certified mail, a valid Notice of Dispute
	839	must first send to the other, by certified mail, a valid Notice of Dispute ("**		1256	("Notice"), which may be downloaded at this link: http://p.ebaystatic.com/a
	>	Notice**"), which may be downloaded at this link: http://p.ebaystatic.com/aw/hel		>	w/help/legal/Notice_of_Dispute.pdf.
	>	p/legal/Notice_of_Dispute.pdf.
	840	The Notice to eCI must be sent to eBay Inc., Attn: Litigation Department, Re: N		1257	The Notice to eCI must be sent to eBay Inc., Attn: Litigation Department, Re: N
	>	otice of Dispute, 339 W. 13490 S., Ste. 500, Draper, UT 84020. Any such Notice a		>	otice of Dispute,
	>	ddressed to and received by eBay will also be deemed to be received by eCI, if s
	>	uch Notice regards services offered
	841	by eCI. eCI will send any Notice to you to the physical address we have on file		1258	339 W. 13490 S., Ste. 500, Draper, UT 84020. Any such Notice addressed to and r
	>	associated with your eBay account; it is your responsibility to keep your physi		>	eceived by eBay
	>	cal address up to date. To be valid, you must personally sign the Notice and com
	>	plete all information on the Notice
	842	form, including a description of the nature and basis of the claims the party i		1259	will also be deemed to be received by eCI, if such Notice regards services offe
	>	s asserting, the specific relief sought, and the email address and phone number		>	red
	>	associated with your account.
				1260	by eCI. eCI will send any Notice to you to the physical address we have on file
				>	associated with
				1261	your eBay account; it is your responsibility to keep your physical address up t
				>	o date. To be
				1262	valid, you must personally sign the Notice and complete all information on the
				>	Notice
				1263	form, including a description of the nature and basis of the claims the party i
				>	s asserting, the
				1264	specific relief sought, and the email address and phone number associated with
				>	your account.
	843			1265
	844			1266
n	845	If you and eCI are unable to resolve the claims described in a valid Notice wit	n	1267	If you and eCI are unable to resolve the claims described in a valid Notice wit
	>	hin 30 days after eCI receives the Notice, you or eCI may initiate arbitration p		>	hin 30 days after
	>	roceedings. A form for initiating arbitration proceedings is available on the AA
	>	A's site at www.adr.org. In addition
	846	to filing this form with the AAA in accordance with its rules and procedures, t		1268	eCI receives the Notice, you or eCI may initiate arbitration proceedings. A for
	>	he party initiating the arbitration must mail a copy of the completed form to th		>	m for initiating
	>	e opposing party. You may send a copy to eCI at the following address: eBay Comm
	>	erce Inc. c/o CT Corporation System,
	847	1108 E South Union Ave., Midvale, UT 84047. In the event eCI initiates an arbit		1269	arbitration proceedings is available on the AAA's site at www.adr.org. In addit
	>	ration against you, it will send a copy of the completed form to the physical ad		>	ion
	>	dress we have on file associated with your eBay account. Any settlement offer ma
	>	de by you or eCI shall not be
	848	disclosed to the arbitrator.Where no disclosed claims or counterclaims exceed $		1270	to filing this form with the AAA in accordance with its rules and procedures, t
	>	25,000, the dispute shall be resolved by the submission of documents only, subje		>	he party initiating
	>	ct to the arbitrator's discretion to require an in-person hearing, if the circum
	>	stances warrant.
				1271	the arbitration must mail a copy of the completed form to the opposing party. Y
				>	ou may send a copy
				1272	to eCI at the following address: eBay Commerce Inc. c/o CT Corporation System,
				1273	1108 E South Union Ave., Midvale, UT 84047. In the event eCI initiates an arbit
				>	ration against you,
				1274	it will send a copy of the completed form to the physical address we have on fi
				>	le associated with
				1275	your eBay account. Any settlement offer made by you or eCI shall not be
				1276	disclosed to the arbitrator.Where no disclosed claims or counterclaims exceed $
				>	25,000, the
				1277	dispute shall be resolved by the submission of documents only, subject to the a
				>	rbitrator's
				1278	discretion to require an in-person hearing, if the circumstances warrant.
	849			1279
n	850	In cases where an in-person hearing is held, you and/or eCI may attend by teleph	n	1280	In cases where an in-person hearing is held, you and/or eCI may attend by teleph
	>	one, unless the arbitrator requires otherwise.		>	one, unless the
				1281	arbitrator requires otherwise.
	851			1282
n	852	The arbitrator will decide the substance of all claims in accordance with appli	n	1283	The arbitrator will decide the substance of all claims in accordance with appli
	>	cable law, including recognized principles of equity, and will honor all claims		>	cable law,
	>	of privilege recognized by law. The arbitrator shall not be bound by rulings in
	>	prior arbitrations involving
	853	different users, but is bound by rulings in prior arbitrations involving the sa		1284	including recognized principles of equity, and will honor all claims of privile
	>	me eCI user to the extent required by applicable law. The arbitrator's award sha		>	ge recognized by
	>	ll be final and binding and judgment on the award rendered by the arbitrator may
	>	be entered in any court having
				1285	law. The arbitrator shall not be bound by rulings in prior arbitrations involvi
				>	ng
				1286	different users, but is bound by rulings in prior arbitrations involving the sa
				>	me eCI user to the
				1287	extent required by applicable law. The arbitrator's award shall be final and bi
				>	nding and judgment
				1288	on the award rendered by the arbitrator may be entered in any court having
	854	jurisdiction thereof.		1289	jurisdiction thereof.
	855	- Costs of Arbitration		1290	- Costs of Arbitration
	856			1291
n	857	Payment of all filing, administration and arbitrator fees will be governed by t	n	1292	Payment of all filing, administration and arbitrator fees will be governed by t
	>	he AAA's rules, unless otherwise stated in this Agreement to Arbitrate. If you c		>	he AAA's rules,
	>	omplied with the Notice of Dispute procedures of Section 2 of this Agreement to
	>	Arbitrate (“Arbitration Procedures”)
	858	and the value of the relief sought is $10,000 or less, at your request, eCI wil		1293	unless otherwise stated in this Agreement to Arbitrate. If you complied with th
	>	l pay all administration, and arbitrator fees associated with the arbitration. A		>	e Notice of Dispute
	>	ny request for payment of fees by eCI should be submitted by mail to the AAA alo
	>	ng with your Demand for Arbitration
	859	and eCI will make arrangements to pay administration and arbitrator fees direct		1294	procedures of Section 2 of this Agreement to Arbitrate (“Arbitration Procedures
	>	ly to the AAA. In the event the arbitrator determines the claim(s) you assert in		>	”)
	>	the arbitration to be frivolous, you agree to reimburse eCI for all fees associ
	>	ated with the arbitration paid by eCI
	860	on your behalf that you otherwise would be obligated to pay under the AAA's rul		1295	and the value of the relief sought is $10,000 or less, at your request, eCI wil
	>	es. eCI will pay as much of the filing, administration, and arbitrator fees as t		>	l pay all
	>	he arbitrator deems necessary to prevent the cost of accessing the arbitration f
	>	orum from being prohibitive.
				1296	administration, and arbitrator fees associated with the arbitration. Any reques
				>	t for payment of
				1297	fees by eCI should be submitted by mail to the AAA along with your Demand for A
				>	rbitration
				1298	and eCI will make arrangements to pay administration and arbitrator fees direct
				>	ly to the AAA. In
				1299	the event the arbitrator determines the claim(s) you assert in the arbitration
				>	to be frivolous,
				1300	you agree to reimburse eCI for all fees associated with the arbitration paid by
				>	eCI
				1301	on your behalf that you otherwise would be obligated to pay under the AAA's rul
				>	es. eCI will pay as
				1302	much of the filing, administration, and arbitrator fees as the arbitrator deems
				>	necessary to
				1303	prevent the cost of accessing the arbitration forum from being prohibitive.
	861	- Severability		1304	- Severability
	862			1305
n	863	With the exception of any of the provisions in Section 1 of this Agreement to A	n	1306	With the exception of any of the provisions in Section 1 of this Agreement to A
	>	rbitrate ("Prohibition of Class and Representative Actions and Non-Individualize		>	rbitrate
	>	d Relief"), if an arbitrator or court decides that any part of this Agreement to
	>	Arbitrate is invalid or
				1307	("Prohibition of Class and Representative Actions and Non-Individualized Relief
				>	"), if an
				1308	arbitrator or court decides that any part of this Agreement to Arbitrate is inv
				>	alid or
	864	unenforceable, the other parts of this Agreement to Arbitrate shall still apply		1309	unenforceable, the other parts of this Agreement to Arbitrate shall still apply
	>	.		>	.
	865	- Opt-Out Procedure		1310	- Opt-Out Procedure
	866			1311
n	867	**IF YOU ARE A NEW USER OF OUR PAYMENT SERVICES, YOU CAN CHOOSE TO REJECT THIS A	n	1312	**IF YOU ARE A NEW USER OF OUR PAYMENT SERVICES, YOU CAN CHOOSE TO REJECT THIS A
	>	GREEMENT TO ARBITRATE ("OPT-OUT") BY MAILING US A WRITTEN OPT-OUT NOTICE ("OPT-O		>	GREEMENT TO
	>	UT NOTICE"). THE OPT-OUT NOTICE MUST BE POSTMARKED NO LATER THAN 30 DAYS AFTER T
	>	HE DATE YOU ACCEPT THESE PAYMENTS
	868	TERMS OF USE FOR THE FIRST TIME. YOU MUST MAIL THE OPT-OUT NOTICE TO EBAY INC.,		1313	ARBITRATE ("OPT-OUT") BY MAILING US A WRITTEN OPT-OUT NOTICE ("OPT-OUT NOTICE")
	>	ATTN: LITIGATION DEPARTMENT, RE: OPT-OUT NOTICE, 339 W. 13490 S., STE. 500, DRA		>	. THE OPT-OUT
	>	PER, UT 84020. ANY SUCH OPT-OUT NOTICE ADDRESSED TO AND RECEIVED BY EBAY WILL AL
	>	SO BE DEEMED TO BE RECEIVED BY eCI,
				1314	NOTICE MUST BE POSTMARKED NO LATER THAN 30 DAYS AFTER THE DATE YOU ACCEPT THESE
				>	PAYMENTS
				1315	TERMS OF USE FOR THE FIRST TIME. YOU MUST MAIL THE OPT-OUT NOTICE TO EBAY INC.,
				>	ATTN: LITIGATION
				1316	DEPARTMENT, RE: OPT-OUT NOTICE, 339 W. 13490 S., STE. 500, DRAPER, UT 84020. AN
				>	Y SUCH OPT-OUT
				1317	NOTICE ADDRESSED TO AND RECEIVED BY EBAY WILL ALSO BE DEEMED TO BE RECEIVED BY
				>	eCI,
	869	IF SUCH OPT-OUT NOTICE REGARDS SERVICES OFFERED BY eCI.**		1318	IF SUCH OPT-OUT NOTICE REGARDS SERVICES OFFERED BY eCI.**
	870			1319
	871			1320
n	872	For your convenience, we are providing an Opt-Out Notice form. You must complet	n	1321	For your convenience, we are providing an Opt-Out Notice form. You must
	>	e and mail that to us in order to opt out of the Agreement to Arbitrate. You mus
	>	t complete the Opt-Out Notice form by providing
	873	the information called for in the form, including your name, address (including		1322	complete and mail that to us in order to opt out of the Agreement to Arbitrate.
	>	street address, city, state and zip code), and the user ID(s) and email address		>	You must complete
	>	(es) associated with the eBay Service account(s) to which the opt-out applies. Y
	>	ou must sign the Opt-Out Notice for
	874	it to be effective. This procedure is the only way you can opt out of the Agree		1323	the Opt-Out Notice form by providing
	>	ment to Arbitrate. If you opt out of the Agreement to Arbitrate, all other parts
	>	of these Payments Terms of Use and its Legal Disputes Section will continue to
	>	apply to you. Opting out of this
				1324	the information called for in the form, including your name, address (including
				>	street address,
				1325	city, state and zip code), and the user ID(s) and email address(es) associated
				>	with the eBay
				1326	Service account(s) to which the opt-out applies. You must sign the Opt-Out Noti
				>	ce for
				1327	it to be effective. This procedure is the only way you can opt out of the Agree
				>	ment to Arbitrate.
				1328	If you opt out of the Agreement to Arbitrate, all other parts of these Payments
				>	Terms of Use and
				1329	its Legal Disputes Section will continue to apply to you. Opting out of this
	875	Agreement to Arbitrate has no effect on any previous, other, or future arbitrat		1330	Agreement to Arbitrate has no effect on any previous, other, or future arbitrat
	>	ion agreements that you may have with us.		>	ion agreements that
				1331	you may have with us.
	876	- Future Amendments to the Agreement to Arbitrate		1332	- Future Amendments to the Agreement to Arbitrate
	877			1333
n	878	Notwithstanding any provision in the User Agreement or these Payments Terms of	n	1334	Notwithstanding any provision in the User Agreement or these Payments Terms of
	>	Use to the contrary, you and we agree that if we make any amendment to this Agre		>	Use to the
	>	ement to Arbitrate (other than an amendment to any notice address or site link p
	>	rovided herein) in the future, that
	879	amendment shall not apply to any claim that was filed in a legal proceeding aga		1335	contrary, you and we agree that if we make any amendment to this Agreement to A
	>	inst eCI prior to the effective date of the amendment. The amendment shall apply		>	rbitrate (other
	>	to all other disputes or claims governed by the Agreement to Arbitrate that hav
	>	e arisen or may arise between you and
	880	eCI. We will notify you of amendments to this Agreement to Arbitrate by posting		1336	than an amendment to any notice address or site link provided herein) in the fu
	>	the amended terms on www.eBay.com at least 30 days before the effective date of		>	ture, that
	>	the amendments and by providing notice through the eBay Message Center and/or b
	>	y email. If you do not agree to these
				1337	amendment shall not apply to any claim that was filed in a legal proceeding aga
				>	inst eCI prior to
				1338	the effective date of the amendment. The amendment shall apply to all other dis
				>	putes or claims
				1339	governed by the Agreement to Arbitrate that have arisen or may arise between yo
				>	u and
				1340	eCI. We will notify you of amendments to this Agreement to Arbitrate by posting
				>	the amended terms
				1341	on www.eBay.com at least 30 days before the effective date of the amendments an
				>	d by providing
				1342	notice through the eBay Message Center and/or by email. If you do not agree to
				>	these
	881	amended terms, you may close your account within the 30-day period and you will		1343	amended terms, you may close your account within the 30-day period and you will
	>	not be bound by the amended terms.		>	not be bound by
				1344	the amended terms.
	882			1345
n	883	#### 4.3. Judicial Forum for Legal Disputes	n	1346	#### 5.3. Judicial Forum for Legal Disputes
	884			1347
n	885	Unless you and we agree otherwise, in the event that the Agreement to Arbitrate	n	1348	Unless you and we agree otherwise, in the event that the Agreement to Arbitrate
	>	above is found not to apply to you or to a particular claim or dispute, either a		>	above is found not to
	>	s a result of your decision to opt out of the Agreement to Arbitrate or as a res
	>	ult of a decision by the arbitrator or a
	886	court order, you agree that any claim or dispute that has arisen or may arise b		1349	apply to you or to a particular claim or dispute, either as a result of your de
	>	etween you and eCI must be resolved exclusively by a state or federal court loca		>	cision to opt out of
	>	ted in Salt Lake County, Utah. You and eCI agree to submit to the personal juris
	>	diction of the courts located within Salt
				1350	the Agreement to Arbitrate or as a result of a decision by the arbitrator or a
				1351	court order, you agree that any claim or dispute that has arisen or may arise b
				>	etween you and eCI must
				1352	be resolved exclusively by a state or federal court located in Salt Lake County
				>	, Utah. You and eCI
				1353	agree to submit to the personal jurisdiction of the courts located within Salt
	887	Lake County, Utah for the purpose of litigating all such claims or disputes.		1354	Lake County, Utah for the purpose of litigating all such claims or disputes.
	888			1355
	889	## III. ADDITIONAL TERMS FOR SERVICES PROVIDED BY EBAY SARL		1356	## III. ADDITIONAL TERMS FOR SERVICES PROVIDED BY EBAY SARL
	890			1357
n	891	In addition to the General Payments Terms above, the following provisions apply	n	1358	In addition to the General Payments Terms above, the following provisions apply
	>	with respect to Payment Services you receive from eBay Sarl. Within this section		>	with respect to Payment
	>	, “ we ” or “ us ” refers to eBay Sarl.
				1359	Services you receive from eBay Sarl. Within this section, “ we ” or
				1360	“ us ” refers to eBay Sarl.
	892			1361
n	893	As between you and eBay Sarl, these Payments Terms of Use incorporate by this re	n	1362	As between you and eBay Sarl, these Payments Terms of Use incorporate by this re
	>	ference the provisions of the User Agreement to the extent applicable to this ag		>	ference the provisions of
	>	reement. In the event of
				1363	the User
				1364	Agreement to the extent applicable to this agreement. In the event of
				1365	any conflict between the User
	894	any conflict between the User Agreement and these Payments Terms of Use, these		1366	Agreement and these Payments Terms of Use, these Payments Terms of Use will gov
	>	Payments Terms of Use will govern.		>	ern.
	895			1367
	896	Expand Part III		1368	Expand Part III
	897	### 1. Payment Service; Disabling Payment Methods		1369	### 1. Payment Service; Disabling Payment Methods
	898			1370
n	899	You authorize eBay Sarl to acquire and settle payments that it receives on your	n	1371	You authorize eBay Sarl to acquire and settle payments that it receives on your
	>	behalf. When you sell an item on eBay, you are deemed to be a payee, with eBay S		>	behalf. When you
	>	arl acting as your payment service provider. In a refund, chargeback, or similar
	>	scenario, or if you use your funds to
	900	pay, you may be deemed to be a payer, again with eBay Sarl acting as your payme		1372	sell an item on eBay, you are deemed to be a payee, with eBay Sarl acting as yo
	>	nt service provider. If eBay Sarl is your Payout Entity, eBay Sarl will open and		>	ur payment service
	>	hold a payment account for you.
				1373	provider. In a refund, chargeback, or similar scenario, or if you use your fund
				>	s to
				1374	pay, you may be deemed to be a payer, again with eBay Sarl acting as your payme
				>	nt service provider.
				1375	If eBay Sarl is your Payout Entity, eBay Sarl will open and hold a payment acco
				>	unt for you.
	901			1376
n	902	The acceptance of a buyer’s payment instrument (for example, their Visa card), o	n	1377	The acceptance of a buyer’s payment instrument (for example, their Visa card), o
	>	nce it has been authorized for payment, satisfies the buyer’s payment obligation		>	nce it has been
	>	to you, regardless of whether we actually settle such payment to you. In the ev
	>	ent that we do not make any such
	903	payment to you as described in these Payments Terms of Use, you will have recou		1378	authorized for payment, satisfies the buyer’s payment obligation to you, regard
	>	rse against us only and not against the buyer. To the extent permissible under t		>	less of whether we
	>	he rules of any third-party or governmental body with jurisdiction over us, you
	>	agree that we are not liable for your
				1379	actually settle such payment to you. In the event that we do not make any such
				1380	payment to you as described in these Payments Terms of Use, you will have recou
				>	rse against us only
				1381	and not against the buyer. To the extent permissible under the rules of any thi
				>	rd-party or
				1382	governmental body with jurisdiction over us, you agree that we are not liable f
				>	or your
	904	acts and omissions and you understand that we disclaim any such liability.		1383	acts and omissions and you understand that we disclaim any such liability.
	905			1384
n	906	We may disable specific payment method(s) available to buyers for all or some of	n	1385	We may disable specific payment method(s) available to buyers for all or some of
	>	your listings if we reasonably believe the use of such payment methods for your		>	your listings if we
	>	transactions will increase regulatory, financial, or other risk to us. For exam
	>	ple, if you would like to offer a
	907	high-priced item with a new eBay account, we may disable such payment methods w		1386	reasonably believe the use of such payment methods for your transactions will i
	>	here the amount is credited with a time delay after the transaction (e.g. direct		>	ncrease regulatory,
	>	debit or payment upon invoice). In assessing the risk, we consider relevant fac
	>	tors such as your sales history,
	908	service status, eBay account history, risks associated with certain item catego		1387	financial, or other risk to us. For example, if you would like to offer a
	>	ries, transaction value, and number and monetary amounts of eMBG cases. We will
	>	re-enable the affected payment method(s) for your listings once the risk no long
	>	er exists.
				1388	high-priced item with a new eBay account, we may disable such payment methods w
				>	here the amount is
				1389	credited with a time delay after the transaction (e.g. direct debit or payment
				>	upon invoice). In
				1390	assessing the risk, we consider relevant factors such as your sales history,
				1391	service status, eBay account history, risks associated with certain item catego
				>	ries, transaction
				1392	value, and number and monetary amounts of eMBG cases. We will re-enable the aff
				>	ected payment
				1393	method(s) for your listings once the risk no longer exists.
	909			1394
	910	### 2. Execution of Payment Transactions		1395	### 2. Execution of Payment Transactions
	911			1396
n	912	When you, as a payee or payer, use Managed Payments, the payment transactions wi	n	1397	When you, as a payee or payer, use Managed Payments, the payment transactions wi
	>	ll be executed in accordance with the payment schemes rules and procedures, or a		>	ll be executed in
	>	s otherwise agreed.
				1398	accordance with the payment schemes rules and procedures, or as otherwise agree
				>	d.
	913			1399
	914	#### Required Information		1400	#### Required Information
	915			1401
n	916	Your payer (for example, the buyer of an item you sell on eBay) must ensure we a	n	1402	Your payer (for example, the buyer of an item you sell on eBay) must ensure we a
	>	re provided with the data required for us to execute the payment transaction. If		>	re provided with
	>	we do not have sufficient data to execute such transaction, we reserve the righ
	>	t to ask your payer’s payment
				1403	the data required for us to execute the payment transaction. If we do not have
				>	sufficient data to
				1404	execute such transaction, we reserve the right to ask your payer’s payment
	917	service provider for the required information.		1405	service provider for the required information.
	918			1406
	919	We require the following information for the execution of a payment transaction:		1407	We require the following information for the execution of a payment transaction:
	921	- Your name,		1409	- Your name,
	922	- Your eBay username,		1410	- Your eBay username,
	923	- The buyer’s name (where applicable),		1411	- The buyer’s name (where applicable),
n	924	- The buyer’s eBay username, and any other data about the buyer which the buyer’	n	1412	- The buyer’s eBay username, and any other data about the buyer which the buyer’
	>	s payment service provider or we may require (where applicable),		>	s
				1413	payment service provider or we may require (where applicable),
	925	- The currency of the payment transaction (if possible, in abbreviated form),		1414	- The currency of the payment transaction (if possible, in abbreviated form),
	926	- The amount of the payment transaction, and		1415	- The amount of the payment transaction, and
	927	- The beneficiary’s payment details.		1416	- The beneficiary’s payment details.
	928			1417
n	929	We may also require specific information, such as a one-time authorization code	n	1418	We may also require specific information, such as a one-time authorization code
	>	sent to your verified phone number or email address, to authenticate a payment t		>	sent to your
	>	ransaction (or to allow you to access certain information related to Managed Pay
	>	ments on eBay).
				1419	verified phone number or email address, to authenticate a payment transaction (
				>	or to allow you to
				1420	access certain information related to Managed Payments on eBay).
	930			1421
n	931	To the extent reasonably possible, we will automatically utilize the information	n	1422	To the extent reasonably possible, we will automatically utilize the information
	>	stored in our systems. Where the required information provided by you or your p		>	stored in our
	>	ayer is not fully available or is inaccurate, we will not bear any liability for
	>	any damage, delay, or other
				1423	systems. Where the required information provided by you or your payer is not fu
				>	lly available or is
				1424	inaccurate, we will not bear any liability for any damage, delay, or other
	932	consequence from the non-execution or defective execution of the relevant payme		1425	consequence from the non-execution or defective execution of the relevant payme
	>	nt transaction.		>	nt transaction.
	933			1426
	934	#### Receipt of Payment Orders		1427	#### Receipt of Payment Orders
	936	A payment order will be deemed to have been received by us if:		1429	A payment order will be deemed to have been received by us if:
	937			1430
	938	- Carried out by means of a payment card, then in accordance with the card schem		1431	- Carried out by means of a payment card, then in accordance with the card schem
	>	es rules; or		>	es rules; or
n	939	- Received by our available electronic communication channels, then on the busin	n	1432	- Received by our available electronic communication channels, then on the busin
	>	ess day when it is actually received by us.		>	ess day when it
				1433	is actually received by us.
	940			1434
n	941	If the payment order is not received on a business day, it will be deemed to be	n	1435	If the payment order is not received on a business day, it will be deemed to be
	>	received on the next business day. “Business days” in this Part III of these Pay		>	received on the
	>	ments Terms of Use shall mean the days on which banks in Luxembourg are open for
	>	regular business.
				1436	next business day. “Business days” in this Part III of these Payments Terms of
				>	Use
				1437	shall mean the days on which banks in Luxembourg are open for regular business.
	942			1438
n	943	You may not revoke a payment order after we have received it. However, if we hav	n	1439	You may not revoke a payment order after we have received it. However, if we hav
	>	e agreed that a payment order will be executed on a certain future date, the bus		>	e agreed that a
	>	iness day prior to this future date will be the latest you can revoke the paymen
	>	t order.
				1440	payment order will be executed on a certain future date, the business day prior
				>	to this future
				1441	date will be the latest you can revoke the payment order.
	944			1442
	945	#### Refusal of Payment Orders		1443	#### Refusal of Payment Orders
	946			1444
	947	We reserve the right to refuse the execution of a payment order when:		1445	We reserve the right to refuse the execution of a payment order when:
	948			1446
	949	- The payment order information contains factual errors and/or is incomplete;		1447	- The payment order information contains factual errors and/or is incomplete;
n	950	- You have not satisfied your obligations under these Payments Terms of Use or a	n	1448	- You have not satisfied your obligations under these Payments Terms of Use or a
	>	ny other agreement between you and us;		>	ny other
				1449	agreement between you and us;
	951	- There are doubts about the validity of the instruction, or the identity or aut		1450	- There are doubts about the validity of the instruction, or the identity or aut
	>	hority of the person giving the payment order; or		>	hority of the
				1451	person giving the payment order; or
	952	- The payment order, if executed, would lead to a breach of the applicable rules		1452	- The payment order, if executed, would lead to a breach of the applicable rules
	>	, laws, or regulations.		>	, laws, or
				1453	regulations.
	953			1454
	954	We may charge a reasonable fee for such a refusal.		1455	We may charge a reasonable fee for such a refusal.
	955			1456
n	956	You acknowledge that when executing a payment transaction, we may have to disclo	n	1457	You acknowledge that when executing a payment transaction, we may have to disclo
	>	se information mentioned above and your legal address to the other party’s payme		>	se information
	>	nt service provider and, where relevant, also to intermediaries involved in the
	>	execution of the payment
				1458	mentioned above and your legal address to the other party’s payment service pro
				>	vider and,
				1459	where relevant, also to intermediaries involved in the execution of the payment
	957	transaction. You expressly accept and instruct us to disclose such data.		1460	transaction. You expressly accept and instruct us to disclose such data.
	958			1461
n	959	Where you are the payer, the execution of the transaction may depend on us havin	n	1462	Where you are the payer, the execution of the transaction may depend on us havin
	>	g received the respective amount from you prior to the execution.		>	g received the
				1463	respective amount from you prior to the execution.
	960			1464
	961	### 3. Liability for Unauthorized Payment Transactions		1465	### 3. Liability for Unauthorized Payment Transactions
	962			1466
n	963	You will be fully liable for all losses relating to an unauthorized payment tran	n	1467	You will be fully liable for all losses relating to an unauthorized payment tran
	>	saction if you acted fraudulently with respect to such a payment transaction, or		>	saction if you acted
	>	if you failed to fulfill one or more of the obligations under this agreement (s
	>	uch as keeping your credentials safe
				1468	fraudulently with respect to such a payment transaction, or if you failed to fu
				>	lfill one or more of
				1469	the obligations under this agreement (such as keeping your credentials safe
	964	or notifying us without undue delay) with intent or gross negligence.		1470	or notifying us without undue delay) with intent or gross negligence.
	965			1471
	966	### 4. Our Liability		1472	### 4. Our Liability
	967			1473
n	968	We will refund you in full and are liable for losses directly and reasonably for	n	1474	We will refund you in full and are liable for losses directly and reasonably for
	>	eseeably incurred by an incorrectly or non-executed payment transaction, provide		>	eseeably incurred by
	>	d that you have informed us of such transaction without undue delay after becomi
	>	ng aware of the defect and in no event
				1475	an incorrectly or non-executed payment transaction, provided that you have info
				>	rmed us of such
				1476	transaction without undue delay after becoming aware of the defect and in no ev
				>	ent
	969	later than thirteen (13) months after the transaction was executed, unless we f		1477	later than thirteen (13) months after the transaction was executed, unless we f
	>	ailed to make information about the transaction available to you.		>	ailed to make
				1478	information about the transaction available to you.
	970			1479
n	971	We are liable for damages suffered as a result of willful misconduct or gross ne	n	1480	We are liable for damages suffered as a result of willful misconduct or gross ne
	>	gligence. In case of minor negligence, we are only liable for (a) damages result		>	gligence. In case of
	>	ing from injury to life, body, or health; or (b) foreseeable typically occurring
	>	damages resulting from the breach of
				1481	minor negligence, we are only liable for (a) damages resulting from injury to l
				>	ife, body, or health;
				1482	or (b) foreseeable typically occurring damages resulting from the breach of
	972	an essential contractual obligation. Any further liability is excluded.		1483	an essential contractual obligation. Any further liability is excluded.
	973			1484
n	974	If you are a business using the Payment Services, unforeseeable damages in accor	n	1485	If you are a business using the Payment Services, unforeseeable damages in accor
	>	dance with the above include (but are not limited to) loss of goodwill or reputa		>	dance with the above
	>	tion, direct or indirect loss of profits, loss of data, loss of business and oth
	>	er intangible losses. You also
	975	explicitly agree that as a business you may not benefit from the rights and lia		1486	include (but are not limited to) loss of goodwill or reputation, direct or indi
	>	bility regimes deriving from the legal provisions with regard to payment service		>	rect loss of profits,
	>	s (Articles 79(1), 81(3), 86, 88 to 90, 93 and 101 of the Luxembourg Law of 10 N
	>	ovember 2009 on payment services) in
	976	the event of non-execution or defective execution of Payment Services under thi		1487	loss of data, loss of business and other intangible losses. You also
	>	s agreement, meaning we are not liable to you for the losses or damage you may s
	>	uffer under those provisions.
				1488	explicitly agree that as a business you may not benefit from the rights and lia
				>	bility regimes
				1489	deriving from the legal provisions with regard to payment services (Articles 79
				>	(1), 81(3), 86, 88 to
				1490	90, 93 and 101 of the Luxembourg Law of 10 November 2009 on payment services) i
				>	n
				1491	the event of non-execution or defective execution of Payment Services under thi
				>	s agreement, meaning
				1492	we are not liable to you for the losses or damage you may suffer under those pr
				>	ovisions.
	977			1493
	978	### 5. Shipping Labels		1494	### 5. Shipping Labels
	979			1495
n	980	If buyers purchase a return shipping label at their own expense on the eBay webs	n	1496	If buyers purchase a return shipping label at their own expense on the eBay webs
	>	ite, eBay may automatically deduct the label costs from the refund amount a buye		>	ite, eBay may
	>	r receives from you. If this occurs, you agree (as a debtor to the buyer for the
	>	refund) to be delegated as a debtor
	981	to the shipping carrier for the label costs, and authorize us to use the releva		1497	automatically deduct the label costs from the refund amount a buyer receives fr
	>	nt part of the refund amount to pay the shipping carrier on your behalf. You wil		>	om you. If this
	>	l not bear any additional shipping costs in this event.
				1498	occurs, you agree (as a debtor to the buyer for the refund) to be delegated as
				>	a debtor
				1499	to the shipping carrier for the label costs, and authorize us to use the releva
				>	nt part of the refund
				1500	amount to pay the shipping carrier on your behalf. You will not bear any additi
				>	onal shipping costs
				1501	in this event.
	982			1502
	983	### 6. Holds (for consumers in Germany)		1503	### 6. Holds (for consumers in Germany)
	984			1504
n	985	If you are a consumer in Germany, eBay Sarl will apply holds to your funds in ac	n	1505	If you are a consumer in Germany, eBay Sarl will apply holds to your funds in ac
	>	cordance with this section. For all other sellers, holds are applied under the c		>	cordance with this
	>	onditions in Part I, Section 5/Holds .
				1506	section. For all other sellers, holds are applied under the conditions in Part
				>	I, Section 5/Holds .
	986			1507
n	987	As a regulated payment entity, we are legally required to implement an effective	n	1508	As a regulated payment entity, we are legally required to implement an effective
	>	risk management program and robust measures to prevent fraud, money laundering,		>	risk management
	>	and terrorist financing. For these purposes, we may place holds on your funds,
	>	or instruct a payment service provider
				1509	program and robust measures to prevent fraud, money laundering, and terrorist f
				>	inancing. For these
				1510	purposes, we may place holds on your funds, or instruct a payment service provi
				>	der
	988	to hold your funds, under the conditions and for the duration described below,		1511	to hold your funds, under the conditions and for the duration described below,
	>	taking into account your and other users’ legitimate interests.		>	taking into account
				1512	your and other users’ legitimate interests.
	989			1513
n	990	A hold can be placed either on transaction level or on account level. Transactio	n	1514	A hold can be placed either on transaction level or on account level. Transactio
	>	n-level holds are placed in relation to a particular buyer transaction, typicall		>	n-level holds are
	>	y to secure a potential refund of the transaction amount to the buyer, e.g., aft
	>	er a successful eMBG claim
	991	(“ Transaction Holds ”). These holds freeze the amount of the relevant tran		1515	placed in relation to a particular buyer transaction, typically to secure a pot
	>	saction. Account-level holds prevent the disbursement of all funds on the accoun		>	ential refund of the
	>	t (“ Account Holds ”). They are placed for reasons related to the
				1516	transaction amount to the buyer, e.g., after a successful eMBG claim
				1517	(“ Transaction Holds ”). These holds freeze the amount of the relevant
				1518	transaction. Account-level holds prevent the disbursement of all funds on the a
				>	ccount
				1519	(“ Account Holds ”). They are placed for reasons related to the
	992	seller, the seller’s conduct, or the activity on an account, e.g. if there is a		1520	seller, the seller’s conduct, or the activity on an account, e.g. if there is a
	>	suspicion of fraud.		>	suspicion of
				1521	fraud.
	993			1522
	994	Transaction Holds can be placed if:		1523	Transaction Holds can be placed if:
	995			1524
n	996	- Your buyer opens a case under an eBay Buyer Protection Program (see Part I, Se	n	1525	- Your buyer opens a case under an eBay Buyer Protection Program (see Part I, Se
	>	ction 5/eBay Money Back Guarantee Programs). If the buyer's claim is successful,		>	ction 5/eBay Money Back Guarantee Programs). If the
	>	you must reimburse the eMBG Service Provider for the amount refunded to the buy
	>	er
	997	according to the applicable User Agreement and eMBG policy. We will secure the		1526	buyer's claim is successful, you must reimburse the eMBG Service Provider for t
	>	reimbursement claim of the eMBG Service Provider against you by placing a hold o		>	he amount refunded
	>	n the relevant amount until the case is decided. If the case is resolved in your
	>	favor or if you are found to be
				1527	to the buyer
				1528	according to the applicable User Agreement and eMBG policy. We will secure the
				>	reimbursement claim
				1529	of the eMBG Service Provider against you by placing a hold on the relevant amou
				>	nt until the case
				1530	is decided. If the case is resolved in your favor or if you are found to be
	998	protected under the Seller Protection Program, we will release the hold and dis		1531	protected under the Seller Protection Program, we will release the hold and dis
	>	burse your funds.		>	burse your funds.
n	999	- Your buyer (or the holder of the payment instrument used to pay for the transa	n	1532	- Your buyer (or the holder of the payment instrument used to pay for the transa
	>	ction) opens a payment dispute with its payment service provider (see Part I, Se		>	ction) opens a
	>	ction 5/Disputes). If the buyer's claim is successful, you must reimburse us for
	>	the
	1000	amounts refunded to the buyer as described in Part I, Section 5/Disputes. We wi		1533	payment dispute with its payment service provider (see Part I,
	>	ll secure our reimbursement claim against you by placing a hold on the relevant
	>	amount until the case is decided by the buyer’s payment service provider. If the
	>	case is resolved in your favor
				1534	Section 5/Disputes). If the buyer's claim is successful, you must reimburse us
				>	for the
				1535	amounts refunded to the buyer as described in Part I, Section 5/Disputes. We wi
				>	ll secure our
				1536	reimbursement claim against you by placing a hold on the relevant amount until
				>	the case is decided
				1537	by the buyer’s payment service provider. If the case is resolved in your favor
	1001	or if you are found to be protected under the Seller Protection Program, we wil		1538	or if you are found to be protected under the Seller Protection Program, we wil
	>	l release the hold and disburse your funds.		>	l release the hold
	1002	- Additionally, we may place a hold on funds depending on your seller status, ch		1539	and disburse your funds.
	>	anges to your account status, or other factors we use to help ensure a safe mark
	>	etplace. We place such holds to ensure that sellers successfully fulfill the ord
	>	er and that refunds for potential
				1540	- Additionally, we may place a hold on funds depending on your seller status, ch
				>	anges to your
				1541	account status, or other factors we use to help ensure a safe marketplace. We p
				>	lace such holds to
				1542	ensure that sellers successfully fulfill the order and that refunds for potenti
				>	al
	1003	buyer-requested returns, eMBG claims, or disputes filed by a buyer can be execu		1543	buyer-requested returns, eMBG claims, or disputes filed by a buyer can be execu
	>	ted effectively.		>	ted effectively.
n	1004	- New, dormant, and infrequent sellers may experience holds for up to 30 days wh	n	1544	- New, dormant, and infrequent sellers may experience holds for up to 30 days wh
	>	ile becoming established on eBay in accordance with eBay’s best selling practice		>	ile becoming
	>	s and building
				1545	established on eBay in accordance with eBay’s
				1546	best selling practices and building
	1005	a strong selling history.		1547	a strong selling history.
n	1006	- Previously restricted or suspended sellers may experience holds for the 30 day	n	1548	- Previously restricted or suspended sellers may experience holds for the 30 day
	>	s after the restriction or suspension is lifted, while we confirm that the order		>	s after the
	>	has been successfully fulfilled.
	1007	- Unusual selling patterns, like an unexpected surge in sales, a change in busin		1549	restriction or suspension is lifted, while we confirm that the order has been s
	>	ess type, a change in average selling price or the type of items being sold, or		>	uccessfully
	>	the sale of high-priced items may lead to holds for up to 30 days or until the f
	>	ulfillment of the order is confirmed
				1550	fulfilled.
				1551	- Unusual selling patterns, like an unexpected surge in sales, a change in busin
				>	ess type, a change
				1552	in average selling price or the type of items being sold, or the sale of high-p
				>	riced items may
				1553	lead to holds for up to 30 days or until the fulfillment of the order is confir
				>	med
	1008	to help us ensure that buyers don't have any issues with the order.		1554	to help us ensure that buyers don't have any issues with the order.
n	1009	- The authentication process may lead to holds for up to 30 days until the authe	n	1555	- The authentication process may lead to holds for up to 30 days until the authe
	>	nticity of items sold with eBay's Authenticity Guarantee can be confirmed.		>	nticity of items
	1010	- For specific shipping methods such as local pick-up, holds may be placed to en		1556	sold with eBay's Authenticity Guarantee can be confirmed.
	>	sure that the seller completes the delivery of the item according to the conditi
	>	ons stated in the item description. The hold will be lifted when the delivery is
	>	confirmed, e.g. by scanning a QR code
				1557	- For specific shipping methods such as local pick-up, holds may be placed to en
				>	sure that the seller
				1558	completes the delivery of the item according to the conditions stated in the it
				>	em description. The
				1559	hold will be lifted when the delivery is confirmed, e.g. by scanning a QR code
	1011	at local pick-up.		1560	at local pick-up.
n	1012	- If we have identified an increased risk of seller performance issues, for exam	n	1561	- If we have identified an increased risk of seller performance issues, for exam
	>	ple if multiple buyers have reported problems or if we see excessive cancellatio		>	ple if multiple
	>	ns related to an account, we may place a hold on a transaction to ensure that th
	>	e seller completes the fulfillment of
				1562	buyers have reported problems or if we see excessive cancellations related to a
				>	n account, we may
				1563	place a hold on a transaction to ensure that the seller completes the fulfillme
				>	nt of
	1013	the order. The hold will be lifted when the successful fulfillment is confirmed		1564	the order. The hold will be lifted when the successful fulfillment is confirmed
	>	.		>	.
n	1014	- Holds applied as described above for a certain period of time to secure the su	n	1565	- Holds applied as described above for a certain period of time to secure the su
	>	ccessful fulfillment of buyer’s orders may be applied for longer periods of time		>	ccessful
	>	in cases of extended delivery times.
				1566	fulfillment of buyer’s orders may be applied for longer periods of time in case
				>	s of extended
				1567	delivery times.
	1015			1568
	1016	Account Holds can be placed in the following cases:		1569	Account Holds can be placed in the following cases:
	1017			1570
n	1018	- Failed or incomplete identification and verification process. If you do not as	n	1571	- Failed or incomplete identification and verification process. If you do not as
	>	sist us in the identification and verification process, for example, if you do n		>	sist us in the
	>	ot provide us with the information and/or documents necessary to identify and ve
	>	rify you or your company in accordance
	1019	with the applicable legal requirements (see Part I, Section 2, Step 3/Confirm Y		1572	identification and verification process, for example, if you do not provide us
	>	our Identity), we cannot pay out your funds. Once you provide the requested info		>	with the
	>	rmation, and we can verify your identity, we will release the hold, and your fun
	>	ds
				1573	information and/or documents necessary to identify and verify you or your compa
				>	ny in accordance
				1574	with the applicable legal requirements (see Part I, Section 2, Step
				1575	3/Confirm Your Identity), we cannot pay out your funds. Once you provide the re
				>	quested
				1576	information, and we can verify your identity, we will release the hold, and you
				>	r funds
	1020	can be disbursed. The duration of the hold depends on how fast you provide the		1577	can be disbursed. The duration of the hold depends on how fast you provide the
	>	required documents.		>	required documents.
n	1021	- Compliance and risk reasons. We may hold payouts in order to fulfill our legal	n	1578	- Compliance and risk reasons. We may hold payouts in order to fulfill our legal
	>	obligations in the following cases:		>	obligations in
	1022	- As a regulated payment entity, we are legally required to implement an effecti		1579	the following cases:
	>	ve risk management program and robust measures to prevent fraud, money launderin
	>	g, and terrorist financing. This includes measures to ensure that we can fulfill
	>	our payment obligations at all times,
	1023	including and in particular towards our users. If we identify a financial, frau		1580	- As a regulated payment entity, we are legally required to implement an effecti
	>	d or money laundering/terrorist financing risk, we will hold your payouts. A fin		>	ve risk management
	>	ancial or fraud risk exists if payments could be made by or to an unauthorized t
	>	hird party instead of you (e.g., in
	1024	case of an “account takeover,” when a third party has gained unauthorized acces		1581	program and robust measures to prevent fraud, money laundering, and terrorist f
	>	s to your eBay account) or if you violate applicable law, these Payments Terms o		>	inancing. This
	>	f Use, the applicable User Agreement or any other eBay Policies, and your action
	>	s could cause other users
				1582	includes measures to ensure that we can fulfill our payment obligations at all
				>	times,
				1583	including and in particular towards our users. If we identify a financial, frau
				>	d or money
				1584	laundering/terrorist financing risk, we will hold your payouts. A financial or
				>	fraud risk exists
				1585	if payments could be made by or to an unauthorized third party instead of you (
				>	e.g., in
				1586	case of an “account takeover,” when a third party has gained unauthorized acces
				>	s to
				1587	your eBay account) or if you violate applicable law, these Payments Terms of Us
				>	e, the applicable
				1588	User Agreement or any other eBay Policies, and your actions could cause other u
				>	sers
	1025	or us to suffer a loss or financial or reputational damages.		1589	or us to suffer a loss or financial or reputational damages.
n	1026	- We or our Affiliated Companies may be legally obligated to block your payouts.	n	1590	- We or our Affiliated Companies may be legally obligated to block your payouts.
	>	We may receive an order by an authority to freeze your funds, or the Affiliate		>	We may receive an
	>	providing the eBay Services to you may be legally required under certain conditi
	>	ons to ensure that no payments are
	1027	made to you and to notify us accordingly, as in the case of eBay GmbH which mus		1591	order by an authority to freeze your funds, or the Affiliate providing the eBay
	>	t comply with the requirements under the EU's DAC7 Directive, as transposed into		>	Services to you
	>	national law (Sec. 23 sentence 2 no. 2 PStTG).
				1592	may be legally required under certain conditions to ensure that no payments are
				1593	made to you and to notify us accordingly, as in the case of eBay GmbH which mus
				>	t comply with the
				1594	requirements under the EU's DAC7 Directive, as transposed into national law (Se
				>	c. 23 sentence 2
				1595	no. 2 PStTG).
	1028			1596
n	1029	If we hold your payouts due to compliance and risk reasons, we will notify you a	n	1597	If we hold your payouts due to compliance and risk reasons, we will notify you a
	>	nd may request additional information from you. Once we have received the reques		>	nd may request
	>	ted information or the risk is otherwise resolved, we will release the hold and
	>	your funds can be disbursed. The
				1598	additional information from you. Once we have received the requested informatio
				>	n or the risk is
				1599	otherwise resolved, we will release the hold and your funds can be disbursed. T
				>	he
	1030	duration of the hold depends on how quickly you provide the information or how		1600	duration of the hold depends on how quickly you provide the information or how
	>	quickly the risk is otherwise resolved.		>	quickly the risk is
				1601	otherwise resolved.
	1031			1602
n	1032	- Performance holds: We hold your payouts if we identify unusual activity associ	n	1603	- Performance holds: We hold your payouts if we identify unusual activity associ
	>	ated with your account, such as increased number of customer claims, a drop in y		>	ated with your
	>	our seller status to “below standard,” a sudden change in your selling activity
	>	or an unusually high
	1033	percentage of late deliveries or negative buyer feedback. We will only apply a		1604	account, such as increased number of customer claims, a drop in your seller sta
	>	hold in this case if the unusual activity associated with your account is materi		>	tus to “below
	>	al in the sense that, according to our experience based on comparable cases in t
	>	he past, it leads to a risk for all
	1034	of your potential buyers regarding the fulfillment of the delivery of the order		1605	standard,” a sudden change in your selling activity or an unusually high
	>	or the effective execution of refunds for potential buyer-requested returns, eM
	>	BG claims, or disputes filed by a buyer. The duration of these holds depends on
	>	how fast the issues underlying the
				1606	percentage of late deliveries or negative buyer feedback. We will only apply a
				>	hold in this case
				1607	if the unusual activity associated with your account is material in the sense t
				>	hat, according to
				1608	our experience based on comparable cases in the past, it leads to a risk for al
				>	l
				1609	of your potential buyers regarding the fulfillment of the delivery of the order
				>	or the effective
				1610	execution of refunds for potential buyer-requested returns, eMBG claims, or dis
				>	putes filed by a
				1611	buyer. The duration of these holds depends on how fast the issues underlying th
				>	e
	1035	identified unusual activity are resolved.		1612	identified unusual activity are resolved.
n	1036	- Invalid payment method: We may put your payouts on hold if we can't deduct you	n	1613	- Invalid payment method: We may put your payouts on hold if we can't deduct you
	>	r selling fees and other Owed Amounts from any of your payment instruments on fi		>	r selling fees and
	>	le. In this case, once you add another payment method, the hold will be released
	>	.
				1614	other Owed Amounts from any of your payment instruments on file. In this case,
				>	once you add
				1615	another payment method, the hold will be released.
	1037			1616
	1038	### 7. Corrective Measures		1617	### 7. Corrective Measures
	1039			1618
n	1040	If we become aware of suspected or actual fraud or other security threats affect	n	1619	If we become aware of suspected or actual fraud or other security threats affect
	>	ing your eBay account, we will notify you by email and provide you with instruct		>	ing your eBay
	>	ions on how to protect such account.
				1620	account, we will notify you by email and provide you with instructions on how t
				>	o protect such
				1621	account.
	1041			1622
	1042	### 8. Financial Regulations Consent		1623	### 8. Financial Regulations Consent
	1043			1624
n	1044	eBay Sarl will share information you provided to eBay Sarl with our Affiliates o	n	1625	eBay Sarl will share information you provided to eBay Sarl with our Affiliates o
	>	r third parties only for the purpose of such Affiliates and third parties assist		>	r third parties only
	>	ing us in providing Managed Payments as described in Part I, Section 6/Third-Par
	>	ty Providers , or in accordance with the following consent.
				1626	for the purpose of such Affiliates and third parties assisting us in providing
				>	Managed Payments as
				1627	described in Part I, Section 6/Third-Party Providers , or in accordance with th
				>	e
				1628	following consent.
	1045			1629
n	1046	You expressly consent to eBay Sarl sharing your information with our Affiliates	n	1630	You expressly consent to eBay Sarl sharing your information with our Affiliates
	>	or third parties under the conditions and for the purposes as described below. B		>	or third parties
	>	y sharing this information, we and the respective Affiliate will be able to comp
	>	ly with applicable law. This will
				1631	under the conditions and for the purposes as described below. By sharing this i
				>	nformation, we and
				1632	the respective Affiliate will be able to comply with applicable law. This will
	1047	allow us and our Affiliates to continue to provide our services to you.		1633	allow us and our Affiliates to continue to provide our services to you.
	1048			1634
n	1049	- We may share your information with eBay GmbH or other eBay Affiliates which ar	n	1635	- We may share your information with eBay GmbH or other eBay Affiliates which ar
	>	e obligated under the Digital Services Act (Regulation (EU) 2022/2065 of the Eur		>	e obligated under
	>	opean Parliament and of the Council of 19 October
	1050	2022 on a Single Market For Digital Services and amending Directive 2000/31/EC)		1636	the Digital Services Act
	>	to obtain such information from you. The Digital Services Act obligates online
	>	platform providers like eBay to obtain and validate certain information from pro
	>	fessional sellers offering goods and
	1051	services to consumers in the EU. Such information can among others include iden		1637	(Regulation (EU) 2022/2065 of the European Parliament and of the Council of 19
	>	tification information about you (including for example a copy of your identific		>	October
	>	ation document or an equivalent electronic document), information on your accoun
	>	t with us (including information
				1638	2022 on a Single Market For Digital Services and amending Directive 2000/31/EC)
				>	to obtain such
				1639	information from you. The Digital Services Act obligates online platform provid
				>	ers like eBay to
				1640	obtain and validate certain information from professional sellers offering good
				>	s and
				1641	services to consumers in the EU. Such information can among others include iden
				>	tification
				1642	information about you (including for example a copy of your identification docu
				>	ment or an
				1643	equivalent electronic document), information on your account with us (including
				>	information
	1052	related to your Linked Financial Account), as well as the results of any verifi		1644	related to your Linked Financial Account), as well as the results of any verifi
	>	cation of such information performed by us.		>	cation of such
	1053	- We may share with eBay GmbH (the entity providing the eBay Services to custome		1645	information performed by us.
	>	rs in the EU under the User Agreement) your Linked Financial Account information
	>	and the total
	1054	amounts paid to you in a given quarter including amounts withheld for fees and		1646	- We may share with eBay GmbH (the entity providing the eBay Services to custome
	>	taxes, as well as any other information about you to allow eBay GmbH to comply w		>	rs in the EU under
	>	ith its obligations under the
	1055	EU DAC7 tax directive (Council Directive (EU) 2021/514 of 22 March 2021 amendin		1647	the User
	>	g Directive 2011/16/EU on administrative cooperation in the field of taxation).
	>	Under this directive
				1648	Agreement) your Linked Financial Account information and the total
				1649	amounts paid to you in a given quarter including amounts withheld for fees and
				>	taxes, as well as
				1650	any other information about you to allow eBay GmbH to comply with its obligatio
				>	ns under the
				1651	EU
				1652	DAC7 tax directive (Council Directive (EU) 2021/514 of 22 March 2021 amending D
				>	irective
				1653	2011/16/EU on administrative cooperation in the field of taxation). Under this
				>	directive
	1056	as transposed into national law, eBay GmbH is required to collect customer info		1654	as transposed into national law, eBay GmbH is required to collect customer info
	>	rmation for certain sellers and report this to EU tax authorities.		>	rmation for certain
	1057	- We may share with eBay Inc. (the entity that facilitates the offer, sale, and		1655	sellers and report this to EU tax authorities.
	>	purchase of goods and services on the eBay.com e-commerce marketplace) your Link
	>	ed Financial Account information to enable eBay Inc. to comply with United State
	>	s federal and state laws that require
	1058	online marketplaces to collect and verify certain information regarding high-vo		1656	- We may share with eBay Inc. (the entity that facilitates the offer, sale, and
	>	lume third party sellers of consumer products on such online marketplaces. These		>	purchase of goods
	>	laws include the United States INFORM Consumers Act (H.R. 2617 – 117th Congress
	>	(2021-2022)) and any such
				1657	and services on the eBay.com e-commerce marketplace) your Linked Financial Acco
				>	unt information to
				1658	enable eBay Inc. to comply with United States federal and state laws that requi
				>	re
				1659	online marketplaces to collect and verify certain information regarding high-vo
				>	lume third party
				1660	sellers of consumer products on such online marketplaces. These laws include th
				>	e United States
				1661	INFORM Consumers Act (H.R. 2617 – 117th Congress (2021-2022)) and any such
	1059	substantially similar laws as may be adopted in the United States from time to		1662	substantially similar laws as may be adopted in the United States from time to
	>	time.		>	time.
n	1060	- We may, directly or through our Affiliates, disclose account information to in	n	1663	- We may, directly or through our Affiliates, disclose account information to in
	>	tellectual property rights owners on the basis of applicable national law of an		>	tellectual property
	>	EU member state in an out-of-court disclosure process, in the event of an infrin
	>	gement of their intellectual property
				1664	rights owners on the basis of applicable national law of an EU member state in
				>	an out-of-court
				1665	disclosure process, in the event of an infringement of their intellectual prope
				>	rty
	1061	rights for which our payment services have been used (including, but not limite		1666	rights for which our payment services have been used (including, but not limite
	>	d to, Art. 19 of the German Trademark Act).		>	d to, Art. 19 of
	1062	- We may disclose to tax authorities in the EU your account information and deta		1667	the German Trademark Act).
	>	ils on your cross-border payment transactions, as well as any other information
	>	required to comply with our obligations under the CESOP Directive (Council Direc
	>	tive (EU) 2020/284 of 18 February 2020
				1668	- We may disclose to tax authorities in the EU your account information and deta
				>	ils on your
				1669	cross-border payment transactions, as well as any other information required to
				>	comply with our
				1670	obligations under the CESOP Directive (Council Directive (EU) 2020/284 of 18 Fe
				>	bruary 2020
	1063	amending Directive 2006/112/EC), as transposed into national law in the EU Memb		1671	amending Directive 2006/112/EC), as transposed into national law in the EU Memb
	>	er States.		>	er States.
	1064			1672
	1065	### 9. Account Activity		1673	### 9. Account Activity
	1066			1674
n	1067	If you did not access your eBay account for six consecutive years and no transac	n	1675	If you did not access your eBay account for six consecutive years and no transac
	>	tions have been initiated for three consecutive years, we will treat the relatio		>	tions have been
	>	nship as inactive. If the account holds no funds, we may permanently close it an
	>	d discontinue maintaining its records
	1068	and access to related services. If the account holds a balance, we will notify		1676	initiated for three consecutive years, we will treat the relationship as inacti
	>	you at the email address on file and provide the option to either keep the accou		>	ve. If the account
	>	nt open and maintain the balance or withdraw the balance, subject to these Payme
	>	nts Terms of Use.
				1677	holds no funds, we may permanently close it and discontinue maintaining its rec
				>	ords
				1678	and access to related services. If the account holds a balance, we will notify
				>	you at the email
				1679	address on file and provide the option to either keep the account open and main
				>	tain the balance or
				1680	withdraw the balance, subject to these Payments Terms of Use.
	1069			1681
	1070	### 10. General Provisions		1682	### 10. General Provisions
	1071			1683
n	1072	If you are a business which uses the Payment Services, you agree that Articles 7	n	1684	If you are a business which uses the Payment Services, you agree that Articles 7
	>	9 (1), 81 (3), 86, 88, 89, 90, 93, and 101 and Title III of the Law of 10 Novemb		>	9 (1), 81 (3), 86,
	>	er 2009 on payment services shall not apply to your use of the Payment Services.
				1685	88, 89, 90, 93, and 101 and Title III of the Law of 10 November 2009 on payment
				>	services shall not
				1686	apply to your use of the Payment Services.
	1073			1687
	1074	#### Individuals		1688	#### Individuals
	1075			1689
n	1076	If you are an individual acting in your own capacity and not on behalf of a busi	n	1690	If you are an individual acting in your own capacity and not on behalf of a busi
	>	ness, you may not use the Payment Services to receive or transfer funds on behal		>	ness, you may not
	>	f of another natural person or a legal entity.
				1691	use the Payment Services to receive or transfer funds on behalf of another natu
				>	ral person or a
				1692	legal entity.
	1077			1693
	1078	#### Complaints		1694	#### Complaints
	1079			1695
n	1080	Any complaints about eBay Sarl or the services it provides should first be addre	n	1696	Any complaints about eBay Sarl or the services it provides should first be addre
	>	ssed to eBay Sarl. You agree that all responses from eBay Sarl relating to such		>	ssed to eBay
	>	complaints may be sent to you by email.
				1697	Sarl. You agree that all responses from eBay Sarl relating to such complaints m
				>	ay be sent to you
				1698	by email.
	1081			1699
n	1082	Should you not be satisfied with eBay Sarl’s responses, you may also escalate yo	n	1700	Should you not be satisfied with eBay Sarl’s responses, you may also escalate yo
	>	ur complaint to the CSSF ( www.cssf.lu ), which is the competent authority to re		>	ur complaint
	>	ceive out-of-court complaints by customers of payment service providers
				1701	to the CSSF ( www.cssf.lu ), which is the competent authority to
				1702	receive out-of-court complaints by customers of payment service providers
	1083	authorized in Luxembourg. For further information please refer to our Complaint		1703	authorized in Luxembourg. For further information please refer to our Complaint
	>	s Procedure .		>	s
				1704	Procedure .
	1084			1705
	1085	#### Communication		1706	#### Communication
	1086			1707
n	1087	We will communicate with you in the language(s) in which we provided these Payme	n	1708	We will communicate with you in the language(s) in which we provided these Payme
	>	nts Terms of Use to you. You agree that we may give you notice or other informat		>	nts Terms of Use
	>	ion by posting it in your eBay Account, emailing it to your registered email add
	>	ress, mailing it to your registered
				1709	to you. You agree that we may give you notice or other information by posting i
				>	t in your eBay
				1710	Account, emailing it to your registered email address, mailing it to your regis
				>	tered
	1088	physical address, calling your phone number, or sending you mobile messages.		1711	physical address, calling your phone number, or sending you mobile messages.
	1089			1712
n	1090	Legal notices to eBay Sarl (except for termination notices pursuant to Part I, S	n	1713	Legal notices to eBay Sarl (except for termination notices pursuant to Part I, S
	>	ection 10) shall be served by mail to the following address: eBay S.à .r.l., 22-		>	ection 10) shall
	>	24 Boulevard Royal, L-2449 Luxembourg.
				1714	be served by mail to the following address: eBay S.à .r.l., 22-24 Boulevard Roy
				>	al, L-2449
				1715	Luxembourg.
	1091			1716
n	1092	You may request a copy of any legally required disclosures (including these Paym	n	1717	You may request a copy of any legally required disclosures (including these Paym
	>	ents Terms of Use) from us; we will then provide it to you in a format which all		>	ents Terms of
	>	ows you to store and reproduce the information (for example, by email) or, upon
	>	your request, on paper.
				1718	Use) from us; we will then provide it to you in a format which allows you to st
				>	ore and reproduce
				1719	the information (for example, by email) or, upon your request, on paper.
	1093			1720
	1094	#### Governing Law and Jurisdiction		1721	#### Governing Law and Jurisdiction
	1095			1722
n	1096	These Payments Terms of Use shall be governed by and construed in accordance wit	n	1723	These Payments Terms of Use shall be governed by and construed in accordance wit
	>	h the laws of the Grand Duchy of Luxembourg. If you are acting as a consumer (ra		>	h the laws of the
	>	ther than as a business) and if mandatory statutory consumer protection regulati
	>	ons in your country of residence
				1724	Grand Duchy of Luxembourg. If you are acting as a consumer (rather than as a bu
				>	siness) and if
				1725	mandatory statutory consumer protection regulations in your country of residenc
				>	e
	1097	contain provisions that are more beneficial for you, such provisions shall appl		1726	contain provisions that are more beneficial for you, such provisions shall appl
	>	y irrespective of the choice of Luxembourg law.		>	y irrespective of
				1727	the choice of Luxembourg law.
	1098			1728
n	1099	As a consumer, you may bring any judicial proceedings relating to the General Pa	n	1729	As a consumer, you may bring any judicial proceedings relating to the General Pa
	>	yments Terms and these Additional Payments Terms for Payment Services provided b		>	yments Terms and
	>	y eBay Sarl before the competent court of either your place of residence or eBay
	>	Sarl's place of business in
	1100	Luxembourg. If eBay Sarl wishes to enforce any of its rights against you as a c		1730	these Additional Payments Terms for Payment Services provided by eBay Sarl befo
	>	onsumer, we may do so only in the courts of the jurisdiction in which you are a		>	re the competent
	>	resident. If you are acting as a business seller, you agree to submit to the exc
	>	lusive jurisdiction of the courts of
				1731	court of either your place of residence or eBay Sarl's place of business in
				1732	Luxembourg. If eBay Sarl wishes to enforce any of its rights against you as a c
				>	onsumer, we may do
				1733	so only in the courts of the jurisdiction in which you are a resident. If you a
				>	re acting as a
				1734	business seller, you agree to submit to the exclusive jurisdiction of the court
				>	s of
	1101	the Grand Duchy of Luxembourg.		1735	the Grand Duchy of Luxembourg.
	1102			1736
	1103	## IV. ADDITIONAL TERMS FOR SERVICES PROVIDED BY ECCA		1737	## IV. ADDITIONAL TERMS FOR SERVICES PROVIDED BY ECCA
	1104			1738
n	1105	In addition to the General Payments Terms above, the following provisions apply	n	1739	In addition to the General Payments Terms above, the following provisions apply
	>	with respect to Payment Services you receive from eCCA. Within this section, “ *		>	with respect to Payment
	>	we* ” or “ us ” refers to eCCA.
				1740	Services you receive from eCCA. Within this section, “ we ” or
				1741	“ us ” refers to eCCA.
	1106			1742
n	1107	As between you and eCCA, these Payments Terms of Use incorporate by this referen	n	1743	As between you and eCCA, these Payments Terms of Use incorporate by this referen
	>	ce the User Agreement . In the event of any conflict between the User Agreement		>	ce the User
	>	and these Payments Terms of Use, these Payments Terms of Use will govern.
				1744	Agreement . In the event of any conflict between the User
				1745	Agreement and these Payments Terms of Use, these Payments Terms of Use will gov
				>	ern.
	1108			1746
	1109	We may change, discontinue, enhance, or modify features of Managed Payments at a		1747	We may change, discontinue, enhance, or modify features of Managed Payments at a
	>	ny time.		>	ny time.
	1110			1748
	1111	Expand Part IV		1749	Expand Part IV
	1112	### 1. Payment Service; Disabling Payment Methods		1750	### 1. Payment Service; Disabling Payment Methods
	1113			1751
n	1114	The acceptance of a buyer's payment instrument (for example, their Visa card), o	n	1752	The acceptance of a buyer's payment instrument (for example, their Visa card), o
	>	nce it has been authorized for payment, satisfies the buyer's payment obligation		>	nce it has been
	>	to you, regardless of whether we actually settle such payment to you. In the ev
	>	ent that we do not make any such
	1115	payment to you as described in these Payments Terms of Use, you will have recou		1753	authorized for payment, satisfies the buyer's payment obligation to you, regard
	>	rse against us only and not against the buyer. To the extent permissible under t		>	less of whether we
	>	he rules of any third-party or governmental body with jurisdiction over us, you
	>	agree that we are not liable for your
				1754	actually settle such payment to you. In the event that we do not make any such
				1755	payment to you as described in these Payments Terms of Use, you will have recou
				>	rse against us only
				1756	and not against the buyer. To the extent permissible under the rules of any thi
				>	rd-party or
				1757	governmental body with jurisdiction over us, you agree that we are not liable f
				>	or your
	1116	acts and omissions and you understand that we disclaim any such liability.		1758	acts and omissions and you understand that we disclaim any such liability.
	1117			1759
n	1118	We may disable specific payment method(s) available to buyers for all or some of	n	1760	We may disable specific payment method(s) available to buyers for all or some of
	>	your listings if we reasonably believe the use of such payment methods for your		>	your listings if we
	>	transactions will increase regulatory, financial, or other risk to us. For exam
	>	ple, if you would like to offer a
	1119	high-priced item with a new eBay account, we may disable such payment methods w		1761	reasonably believe the use of such payment methods for your transactions will i
	>	here the amount is credited with a time delay after the transaction (e.g. direct		>	ncrease regulatory,
	>	debit or payment upon invoice). In assessing the risk, we consider relevant fac
	>	tors such as your sales history,
	1120	service status, eBay account history, risks associated with certain item catego		1762	financial, or other risk to us. For example, if you would like to offer a
	>	ries, transaction value, and number and monetary amounts of eMBG cases. We will
	>	re-enable the affected payment method(s) for your listings once the risk no long
	>	er exists.
				1763	high-priced item with a new eBay account, we may disable such payment methods w
				>	here the amount is
				1764	credited with a time delay after the transaction (e.g. direct debit or payment
				>	upon invoice). In
				1765	assessing the risk, we consider relevant factors such as your sales history,
				1766	service status, eBay account history, risks associated with certain item catego
				>	ries, transaction
				1767	value, and number and monetary amounts of eMBG cases. We will re-enable the aff
				>	ected payment
				1768	method(s) for your listings once the risk no longer exists.
	1121			1769
	1122	### 2. Authorization to Pay		1770	### 2. Authorization to Pay
	1123			1771
n	1124	The authorization to pay for Owed Amounts in accordance with Part I, Section 8 i	n	1772	The authorization to pay for Owed Amounts in accordance with Part I, Section 8 i
	>	s an electronic pre-authorized debit agreement (“ PAD Agreement ”) that you		>	s an electronic
	>	are entering into for business purposes to allow eBay to debit your designated b
	>	ank account,
				1773	pre-authorized debit agreement (“ PAD Agreement ”) that you are entering
				1774	into for business purposes to allow eBay to debit your designated bank account,
	1125	and is subject to the rules of Payments Canada.		1775	and is subject to the rules of Payments Canada.
	1126			1776
n	1127	By completing registration for Managed Payments, you hereby authorize eCCA (or i	n	1777	By completing registration for Managed Payments, you hereby authorize eCCA (or i
	>	ts Affiliates) and the ﬁnancial institution that has issued your Linked Financia		>	ts Affiliates) and
	>	l Account to debit your Linked Financial Account for Owed Amounts in variable am
	>	ounts at such intervals as when you
				1778	the ﬁnancial institution that has issued your Linked Financial Account to debit
				>	your Linked
				1779	Financial Account for Owed Amounts in variable amounts at such intervals as whe
				>	n you
	1128	have Owed Amounts that are due and owing and we are unable to collect such Owed		1780	have Owed Amounts that are due and owing and we are unable to collect such Owed
	>	Amounts from your current or future disbursements.		>	Amounts from your
				1781	current or future disbursements.
	1129			1782
n	1130	**You agree to waive all pre-notification requirements under the Payments Canada	n	1783	**You agree to waive all pre-notification requirements under the Payments Canada
	>	rules in respect of any variable debits originated under this PAD Agreement. eC		>	rules in
	>	CA will notify you by email regarding any one-time or sporadic debits in order t
	>	o obtain your authorization.**
				1784	respect of any variable debits originated under this PAD Agreement. eCCA will n
				>	otify you by email
				1785	regarding any one-time or sporadic debits in order to obtain your authorization
				>	.**
	1131			1786
n	1132	eCCA, or its Affiliates, will charge your account a CDN$ 7.00 fee by way of a se	n	1787	eCCA, or its Affiliates, will charge your account a CDN$ 7.00 fee by way of a se
	>	parate debit for each and every debit transaction authorized above that is unsuc		>	parate debit for
	>	cessful or returned unpaid by your ﬁnancial institution. We shall have no liabil
	>	ity to you whatsoever caused by a
				1788	each and every debit transaction authorized above that is unsuccessful or retur
				>	ned unpaid by your
				1789	ﬁnancial institution. We shall have no liability to you whatsoever caused by a
	1133	dishonored debit.		1790	dishonored debit.
	1134			1791
n	1135	If you would like to cancel this PAD Agreement, you may do so at any time by con	n	1792	If you would like to cancel this PAD Agreement, you may do so at any time by con
	>	tacting eCCA. If you cancel this PAD Agreement without providing a new authoriza		>	tacting eCCA. If
	>	tion, we may suspend or cancel your Payment Services and eBay may suspend or can
	>	cel your eBay Services.
				1793	you cancel this PAD Agreement without providing a new authorization, we may sus
				>	pend or cancel your
				1794	Payment Services and eBay may suspend or cancel your eBay Services.
	1136			1795
n	1137	You have certain recourse rights if any debit does not comply with this PAD Agre	n	1796	You have certain recourse rights if any debit does not comply with this PAD Agre
	>	ement. For example, you have the right to receive reimbursement for any debit th		>	ement. For example,
	>	at is not authorized or is not consistent with this PAD Agreement. To obtain mor
	>	e information on your recourse rights,
				1797	you have the right to receive reimbursement for any debit that is not authorize
				>	d or is not
				1798	consistent with this PAD Agreement. To obtain more information on your recourse
				>	rights,
	1138	or for further information on your right to cancel this PAD Agreement and appli		1799	or for further information on your right to cancel this PAD Agreement and appli
	>	cable forms, you may contact your ﬁnancial institution or visit www.payments.ca.		>	cable forms, you may
				1800	contact your ﬁnancial institution or visit www.payments.ca.
	1139			1801
	1140	### 3. RPAA Trust Arrangement		1802	### 3. RPAA Trust Arrangement
	1141			1803
n	1142	Funds received by us on your behalf represent an unsecured claim for payment aga	n	1804	Funds received by us on your behalf represent an unsecured claim for payment aga
	>	inst us, but do not constitute deposits. eCCA may combine your funds with the fu		>	inst us, but do not
	>	nds of other eCCA customers in pooled custodial accounts, in accordance with thi
	>	s section (3/RPAA Trust Arrangement),
	1143	and may invest the funds in accordance with applicable law. You do not have any		1805	constitute deposits. eCCA may combine your funds with the funds of other eCCA c
	>	ownership interest in these investments and any interest earned from these inve		>	ustomers in pooled
	>	stments will be retained by us.
				1806	custodial accounts, in accordance with this section (3/RPAA Trust Arrangement),
				1807	and may invest the funds in accordance with applicable law. You do not have any
				>	ownership interest
				1808	in these investments and any interest earned from these investments will be ret
				>	ained by us.
	1144			1809
	1145	#### Definitions		1810	#### Definitions
	1146			1811
n	1147	" Beneficiary " means (i) you, (ii) any other end-user (within the meaning o	n	1812	" Beneficiary " means (i) you, (ii) any other end-user (within the meaning o
	>	f the RPAA), in each case from whom, or for whom, eCCA receives and holds funds		>	f the
	>	where such funds are transferred to eCCA with the intention that they be held in
	>	trust and (iii) any
				1813	RPAA), in each case from whom, or for whom, eCCA receives and holds funds where
				>	such funds are
				1814	transferred to eCCA with the intention that they be held in trust and (iii) any
	1148	income beneficiary designated under the Declaration of Trust;		1815	income beneficiary designated under the Declaration of Trust;
	1149			1816
n	1150	" Client Funds " means your funds that eCCA receives and holds in accordance	n	1817	" Client Funds " means your funds that eCCA receives and holds in accordance
	>	with these Payments Terms of Use;		>	with
				1818	these Payments Terms of Use;
	1151			1819
n	1152	" Declaration of Trust " means the declaration of trust entered into between	n	1820	" Declaration of Trust " means the declaration of trust entered into between
	>	eCCA, as initial settlor, and the Trustee, as such declaration of trust may be		>	eCCA,
	>	amended, modified, supplemented and replaced from time to time;
				1821	as initial settlor, and the Trustee, as such declaration of trust may be amende
				>	d, modified,
				1822	supplemented and replaced from time to time;
	1153			1823
n	1154	" eCCA Trust " means the trust established by the Declaration of Trust to ho	n	1824	" eCCA Trust " means the trust established by the Declaration of Trust to ho
	>	ld Trust Property in trust for the benefit of the Beneficiaries;		>	ld
				1825	Trust Property in trust for the benefit of the Beneficiaries;
	1155			1826
n	1156	" Financial Institution " means a Canadian regulated entity referred to in o	n	1827	" Financial Institution " means a Canadian regulated entity referred to in o
	>	ne of paragraphs 9(a) to (d) or (f) to (h) of the RPAA;		>	ne of
				1828	paragraphs 9(a) to (d) or (f) to (h) of the RPAA;
	1157			1829
n	1158	" Income " means any interest or other investment income or earnings that ma	n	1830	" Income " means any interest or other investment income or earnings that ma
	>	y be earned on the Client Funds held in a Trust Account;		>	y be
				1831	earned on the Client Funds held in a Trust Account;
	1159			1832
n	1160	" In-Transit " means the period commencing at the point in time eCCA receive	n	1833	" In-Transit " means the period commencing at the point in time eCCA receive
	>	s an instruction to immediately transfer or withdraw funds to or from an account		>	s an
	>	, including the Trust Account, until the point in time at which such transfer or
	>	withdrawal is complete;
				1834	instruction to immediately transfer or withdraw funds to or from an account, in
				>	cluding the Trust
				1835	Account, until the point in time at which such transfer or withdrawal is comple
				>	te;
	1161			1836
	1162	" RPAA " means the Retail Payment Activities Act (Canada);		1837	" RPAA " means the Retail Payment Activities Act (Canada);
	1163			1838
n	1164	" Trust Account " means a segregated omnibus trust account maintained by and	n	1839	" Trust Account " means a segregated omnibus trust account maintained by and
	>	in the name of the Trustee as trustee on behalf of the Beneficiaries at a Finan		>	in
	>	cial Institution;
				1840	the name of the Trustee as trustee on behalf of the Beneficiaries at a Financia
				>	l Institution;
	1165			1841
n	1166	" Trustee " means the person or entity appointed by eCCA pursuant to the Dec	n	1842	" Trustee " means the person or entity appointed by eCCA pursuant to the
	>	laration of Trust as trustee of the eCCA Trust and any successor or replacement
	>	trustee;
				1843	Declaration of Trust as trustee of the eCCA Trust and any successor or replacem
				>	ent trustee;
	1167			1844
n	1168	" Trust Property " means (i) all Client Funds, and (ii) any other property h	n	1845	" Trust Property " means (i) all Client Funds, and (ii) any other property h
	>	eld in trust pursuant to the Declaration of Trust.		>	eld in
				1846	trust pursuant to the Declaration of Trust.
	1169			1847
	1170	#### Trust Arrangement; Safeguarding of Funds		1848	#### Trust Arrangement; Safeguarding of Funds
	1171			1849
n	1172	- eCCA has established the eCCA Trust for purposes of holding and safeguarding e	n	1850	- eCCA has established the eCCA Trust for purposes of holding and safeguarding e
	>	nd-user funds in trust, including Client Funds. By using the Payment Services, y		>	nd-user funds in
	>	ou intend for your Client Funds to be held in the eCCA Trust in trust for your b
	>	enefit and eCCA agrees to hold your
	1173	Client Funds in the eCCA Trust, in trust, in accordance with these Payments Ter		1851	trust, including Client Funds. By using the Payment Services, you intend for yo
	>	ms of Use and the Declaration of Trust. eCCA has been appointed as the initial T		>	ur Client Funds
	>	rustee of the eCCA Trust. You acknowledge that eCCA has the right to replace the
	>	Trustee with one or more successor
				1852	to be held in the eCCA Trust in trust for your benefit and eCCA agrees to hold
				>	your
				1853	Client Funds in the eCCA Trust, in trust, in accordance with these Payments Ter
				>	ms of Use and the
				1854	Declaration of Trust. eCCA has been appointed as the initial Trustee of the eCC
				>	A Trust. You
				1855	acknowledge that eCCA has the right to replace the Trustee with one or more suc
				>	cessor
	1174	Trustees at any time, in each case, in its sole discretion, and, except where p		1856	Trustees at any time, in each case, in its sole discretion, and, except where p
	>	rohibited by applicable law, without prior notice to or consent from you.		>	rohibited by
	1175	- Once your Client Funds are received by eCCA and have cleared and settled and a		1857	applicable law, without prior notice to or consent from you.
	>	ll applicable hold periods have expired, your Client Funds will be deposited and
	>	held in the eCCA Trust, in trust, by the Trustee in one or more Trust Accounts
	>	with a Financial Institution
	1176	designated by the Trustee in its sole discretion. The Trustee will deposit and		1858	- Once your Client Funds are received by eCCA and have cleared and settled and a
	>	hold your Client Funds in such Trust Account separate and apart from the Trustee		>	ll applicable hold
	>	’s own property and eCCA’s property. The Trustee will record the Client Funds be
	>	neficially owned by you
	1177	in the ledger maintained by the Trustee for this purpose. Neither eCCA nor the		1859	periods have expired, your Client Funds will be deposited and held in the eCCA
	>	Trustee may use your Client Funds in the conduct of its business. Neither eCCA n		>	Trust, in trust,
	>	or the Trustee may loan, hypothecate, pledge, or otherwise encumber your Client
	>	Funds.
	1178	- Until your funds are received by eCCA and have cleared and settled and all app		1860	by the Trustee in one or more Trust Accounts with a Financial Institution
	>	licable hold periods have expired, your funds are In-Transit. In-Transit funds a
	>	re not held in trust by the Trustee.
	1179	- Subject to any payment instructions you provide to eCCA, you authorize eCCA an		1861	designated by the Trustee in its sole discretion. The Trustee will deposit and
	>	d the Trustee to: (a) transfer your Client Funds to and from Trust Accounts, and		>	hold your Client
	>	to and from eCCA settlement accounts in its discretion without notice to you; a
	>	nd (b) in connection with such
	1180	transfers to submit instructions and disclose your personal information (includ		1862	Funds in such Trust Account separate and apart from the Trustee’s own property
	>	ing electronic transaction information) to: (i) the Financial Institutions; (ii)		>	and
	>	third party service providers; and (iii) eCCA and/or the Trustee, as applicable
	>	.
				1863	eCCA’s property. The Trustee will record the Client Funds beneficially owned by
				>	you
				1864	in the ledger maintained by the Trustee for this purpose. Neither eCCA nor the
				>	Trustee may use
				1865	your Client Funds in the conduct of its business. Neither eCCA nor the Trustee
				>	may loan,
				1866	hypothecate, pledge, or otherwise encumber your Client Funds.
				1867	- Until your funds are received by eCCA and have cleared and settled and all app
				>	licable hold
				1868	periods have expired, your funds are In-Transit. In-Transit funds are not held
				>	in trust by the
				1869	Trustee.
				1870	- Subject to any payment instructions you provide to eCCA, you authorize eCCA an
				>	d the Trustee to:
				1871	(a) transfer your Client Funds to and from Trust Accounts, and to and from eCCA
				>	settlement
				1872	accounts in its discretion without notice to you; and (b) in connection with su
				>	ch
				1873	transfers to submit instructions and disclose your personal information (includ
				>	ing electronic
				1874	transaction information) to: (i) the Financial Institutions; (ii) third party s
				>	ervice providers;
				1875	and (iii) eCCA and/or the Trustee, as applicable.
	1181	- Funds that are withdrawn from the Trust Account will become In-Transit funds a		1876	- Funds that are withdrawn from the Trust Account will become In-Transit funds a
	>	nd will no longer be Trust Property.		>	nd will no
				1877	longer be Trust Property.
	1182	- You acknowledge and agree that:		1878	- You acknowledge and agree that:
	1183			1879
	1184			1880
n	1185	eCCA is not a bank or a Financial Institution and is not itself a Canada Deposit	n	1881	eCCA is not a bank or a Financial Institution and is not itself a Canada Deposit
	>	Insurance Corporation member institution;		>	Insurance
	1186	eCCA is not a professional trustee and funds held in a Trust Account are not eli		1882	Corporation member institution;
	>	gible for Canada Deposit Insurance Corporation insurance protection at the benef
	>	iciary level; and
				1883	eCCA is not a professional trustee and funds held in a Trust Account are not eli
				>	gible for
				1884	Canada Deposit Insurance Corporation insurance protection at the beneficiary le
				>	vel; and
	1187	funds In-Transit are not Trust Property, are not held in trust and are not held		1885	funds In-Transit are not Trust Property, are not held in trust and are not held
	>	in a Trust Account.		>	in a Trust
				1886	Account.
	1188			1887
n	1189	You also acknowledge and agree that any interest or other investment income or e	n	1888	You also acknowledge and agree that any interest or other investment income or e
	>	arnings that may be earned on the Client Funds held in a Trust Account (" **Inte		>	arnings that may
	>	rest** ") are owned by eCCA and do not form part of the Trust Property. You here
	>	by assign, transfer and
	1190	convey over to eCCA any and all rights to such Interest and acknowledge and agr		1889	be earned on the Client Funds held in a Trust Account (" Interest ") are ow
	>	ee that you have received good and sufficient consideration (with nominal value)		>	ned by
	>	for such assignment. Neither the eCCA nor the Trustee will have any duty to inv
	>	est the Client Funds other than the
				1890	eCCA and do not form part of the Trust Property. You hereby assign, transfer an
				>	d
				1891	convey over to eCCA any and all rights to such Interest and acknowledge and agr
				>	ee that you have
				1892	received good and sufficient consideration (with nominal value) for such assign
				>	ment. Neither the
				1893	eCCA nor the Trustee will have any duty to invest the Client Funds other than t
				>	he
	1191	obligation to deposit the Client Funds into one or more Trust Accounts in accor		1894	obligation to deposit the Client Funds into one or more Trust Accounts in accor
	>	dance with Section 3.2(b).		>	dance with Section
				1895	3.2(b).
	1192			1896
	1193	### 4. Legal Disputes		1897	### 4. Legal Disputes
	1194			1898
n	1195	**PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS AND WILL HAVE A SUB	n	1899	**PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS AND WILL HAVE A SUB
	>	STANTIAL IMPACT ON HOW CLAIMS YOU AND EBAY HAVE AGAINST EACH OTHER ARE RESOLVED.		>	STANTIAL
	>	**
				1900	IMPACT ON HOW CLAIMS YOU AND EBAY HAVE AGAINST EACH OTHER ARE RESOLVED.**
	1196			1901
n	1197	You and eCCA agree that any claim or dispute at law or equity that has arisen, o	n	1902	You and eCCA agree that any claim or dispute at law or equity that has arisen, o
	>	r may arise, between you and eCCA (including any claim or dispute between you an		>	r may arise, between
	>	d a third-party agent of eCCA) that relates in any way to or arises out of this
	>	or previous versions of these Payments
	1198	Terms of Use, your use of or access to the Payment Services, the actions of eCC		1903	you and eCCA (including any claim or dispute between you and a third-party agen
	>	A or its agents, will be resolved in accordance with the provisions set forth in		>	t of eCCA) that
	>	this Legal Disputes Section.
				1904	relates in any way to or arises out of this or previous versions of these Payme
				>	nts
				1905	Terms of Use, your use of or access to the Payment Services, the actions of eCC
				>	A or its agents, will
				1906	be resolved in accordance with the provisions set forth in this Legal Disputes
				>	Section.
	1199			1907
n	1200	- Law and Forum for Disputes if you do not reside in Quebec – These Payments	n	1908	- Law and Forum for Disputes if you do not reside in Quebec – These Payments
	>	Terms of Use and any dispute or claim you have against eBay shall be governed i
	>	n all respects by the laws of the Province of Ontario and the federal laws of Ca
	>	nada applicable
	1201	therein. Except as otherwise agreed by the parties or as described in the Arbit		1909	Terms of Use and any dispute or claim you have against eBay shall be governed i
	>	ration Option paragraph below you agree to submit to the jurisdiction of the cou		>	n all respects by
	>	rts located in Toronto, Ontario for the resolution of and all claims or disputes
	>	you may have against eCCA.
	1202	- Law and Forum for Disputes if you reside in Quebec – These Payments Terms		1910	the laws of the Province of Ontario and the federal laws of Canada applicable
	>	of Use and any dispute or claim you have against eCCA shall be governed in all r
	>	espects by the laws of the Province of Quebec and the federal laws of Canada app
	>	licable therein.
	1203	- Arbitration Option – For any dispute or claim (excluding claims for injunc		1911	therein. Except as otherwise agreed by the parties or as described in the Arbit
	>	tive or other equitable relief) where the total amount of monetary relief sought		>	ration Option
	>	is less than CDN$15,000, the parties may elect to resolve the dispute in a cost
	>	-effective manner
	1204	through binding arbitration. In the event that the parties agree to arbitration		1912	paragraph below you agree to submit to the jurisdiction of the courts located i
	>	, such arbitration shall be conducted pursuant to the simplified arbitration pro		>	n Toronto, Ontario
	>	cedure set out in the arbitration rules of the ADR Institute of Canada, in force
	>	at the time of the dispute. Unless
	1205	the parties agree or the arbitrator determines otherwise, the arbitration shall		1913	for the resolution of and all claims or disputes you may have against eCCA.
	>	not involve any personal appearance by the parties or witnesses and shall be co
	>	nducted by telephone, online and/or be solely based on written submissions. Any
	>	judgement on the award rendered by
				1914	- Law and Forum for Disputes if you reside in Quebec – These Payments Terms
				1915	of Use and any dispute or claim you have against eCCA shall be governed in all
				>	respects by the
				1916	laws of the Province of Quebec and the federal laws of Canada applicable therei
				>	n.
				1917	- Arbitration Option – For any dispute or claim (excluding claims for
				1918	injunctive or other equitable relief) where the total amount of monetary relief
				>	sought is less
				1919	than CDN$15,000, the parties may elect to resolve the dispute in a cost-effecti
				>	ve manner
				1920	through binding arbitration. In the event that the parties agree to arbitration
				>	, such arbitration
				1921	shall be conducted pursuant to the simplified arbitration procedure set out in
				>	the arbitration
				1922	rules of the ADR Institute of Canada, in force at the time of the dispute. Unle
				>	ss
				1923	the parties agree or the arbitrator determines otherwise, the arbitration shall
				>	not involve any
				1924	personal appearance by the parties or witnesses and shall be conducted by telep
				>	hone, online and/or
				1925	be solely based on written submissions. Any judgement on the award rendered by
	1206	the arbitrator may be entered in any court of competent jurisdiction.		1926	the arbitrator may be entered in any court of competent jurisdiction.
	1207			1927
n	1208	Improperly Filed Claims – All claims you bring against eCCA must be resolved	n	1928	Improperly Filed Claims – All claims you bring against eCCA must be resolved
	>	in accordance with this Resolution of Disputes Section. All claims filed or bro
	>	ught contrary to the Resolution of Disputes Section shall be considered improper
	>	ly filed. Should
	1209	you file a claim contrary to the Resolution of Disputes Section, eCCA may recov		1929	in accordance with this Resolution of Disputes Section. All claims filed or bro
	>	er attorneys' fees and costs up to CDN$1500, provided that eBay has notified you		>	ught contrary to the
	>	in writing of the improperly filed claim, and you have failed to promptly withd
	>	raw the claim. Except as stated
				1930	Resolution of Disputes Section shall be considered improperly filed. Should
				1931	you file a claim contrary to the Resolution of Disputes Section, eCCA may recov
				>	er attorneys' fees
				1932	and costs up to CDN$1500, provided that eBay has notified you in writing of the
				>	improperly filed
				1933	claim, and you have failed to promptly withdraw the claim. Except as stated
	1210	otherwise, legal notices to eCCA shall be served on eCCA's national registered		1934	otherwise, legal notices to eCCA shall be served on eCCA's national registered
	>	agent.		>	agent.
	1211			1935
n	1212	[Does not apply if you reside in Quebec] Any translation of these Payments T	n	1936	[Does not apply if you reside in Quebec] Any translation of these Payments T
	>	erms of Use and all related documents is done for our users' convenience and in		>	erms of
	>	the event of a dispute between the English and French version, the English versi
	>	on of these Payments
				1937	Use and all related documents is done for our users' convenience and in the eve
				>	nt of a dispute
				1938	between the English and French version, the English version of these Payments
	1213	Terms of Use and all related documents shall govern.		1939	Terms of Use and all related documents shall govern.
	1214			1940
n	1215	If you are a resident of the Province of Quebec, the following clause applies: T	n	1941	If you are a resident of the Province of Quebec, the following clause applies: T
	>	he parties hereby confirm that they have requested that these Payments Terms of		>	he parties hereby
	>	Use and all related documents be drafted in English. Les parties ont exigé que l
	>	a présente convention et
				1942	confirm that they have requested that these Payments Terms of Use and all relat
				>	ed documents be
				1943	drafted in English. Les parties ont exigé que la présente convention et
	1216	tous les documents afférents soient rédigés en langue anglaise.		1944	tous les documents afférents soient rédigés en langue anglaise.
	1217			1945
	1218	## V. ADDITIONAL TERMS FOR SERVICES PROVIDED BY ECA		1946	## V. ADDITIONAL TERMS FOR SERVICES PROVIDED BY ECA
	1219			1947
n	1220	In addition to the General Payments Terms above, the following provisions apply	n	1948	In addition to the General Payments Terms above, the following provisions apply
	>	with respect to Payment Services you receive from eCA. Within this section, “ **		>	with respect to Payment
	>	we ” or “ us** ” refers to eCA.
				1949	Services you receive from eCA. Within this section, “ we ” or
				1950	“ us ” refers to eCA.
	1221			1951
n	1222	As between you and eCA, these Payments Terms of Use incorporate by this referenc	n	1952	As between you and eCA, these Payments Terms of Use incorporate by this referenc
	>	e the User Agreement . In the event of any conflict between the User Agreement a		>	e the User
	>	nd these Payments Terms of Use, these Payments Terms of Use will govern.
				1953	Agreement . In the event of any conflict between the User
				1954	Agreement and these Payments Terms of Use, these Payments Terms of Use will gov
				>	ern.
	1223			1955
n	1224	We may change, discontinue, enhance, or modify features of Managed Payments at a	n	1956	We may change, discontinue, enhance, or modify features of Managed Payments at a
	>	ny time. If eCA is your Payout Entity, we will notify you of any material change		>	ny time. If eCA is your
	>	s or modifications to the features of Managed Payments through eBay messages (in
	>	My eBay) or directly to the email address
				1957	Payout Entity, we will notify you of any material changes or modifications to t
				>	he features of Managed
				1958	Payments through eBay messages (in My eBay) or directly to the email address
	1225	linked to your account.		1959	linked to your account.
	1226			1960
	1227	Expand Part V		1961	Expand Part V
	1228	### 1. Disabling Payment Methods		1962	### 1. Disabling Payment Methods
	1229			1963
n	1230	We may disable specific payment method(s) available to buyers for all or some of	n	1964	We may disable specific payment method(s) available to buyers for all or some of
	>	your listings if we reasonably believe the use of such payment methods for your		>	your listings if we
	>	transactions will increase regulatory, financial, or other risk to us. For exam
	>	ple, if you would like to offer a
	1231	high-priced item with a new eBay account, we may disable such payment methods w		1965	reasonably believe the use of such payment methods for your transactions will i
	>	here the amount is credited with a time delay after the transaction (e.g. Buy No		>	ncrease regulatory,
	>	w Pay Later). In assessing the risk, we consider relevant factors such as your s
	>	ales history, service status, eBay
	1232	account history, risks associated with certain item categories, transaction val		1966	financial, or other risk to us. For example, if you would like to offer a
	>	ue, and number and monetary amounts of eMBG cases. We will re-enable the affecte
	>	d payment method(s) for your listings once the risk no longer exists.
				1967	high-priced item with a new eBay account, we may disable such payment methods w
				>	here the amount is
				1968	credited with a time delay after the transaction (e.g. Buy Now Pay Later). In a
				>	ssessing the risk, we
				1969	consider relevant factors such as your sales history, service status, eBay
				1970	account history, risks associated with certain item categories, transaction val
				>	ue, and number and
				1971	monetary amounts of eMBG cases. We will re-enable the affected payment method(s
				>	) for your listings
				1972	once the risk no longer exists.
	1233			1973
	1234	### 2. Unsuccessful Direct Debits		1974	### 2. Unsuccessful Direct Debits
	1235			1975
n	1236	We will charge your account an AUD 8.00 fee by way of a separate debit for every	n	1976	We will charge your account an AUD 8.00 fee by way of a separate debit for every
	>	debit transaction for an Owed Amount that is unsuccessful or returned unpaid by		>	debit transaction
	>	your financial institution. We shall have no liability to you whatsoever caused
	>	by a dishonored debit.
				1977	for an Owed Amount that is unsuccessful or returned unpaid by your financial in
				>	stitution. We shall
				1978	have no liability to you whatsoever caused by a dishonored debit.
	1237			1979
	1238	### 3. Legal Disputes		1980	### 3. Legal Disputes
	1239			1981
n	1240	If a dispute arises between you and eCA, our goal is to provide you with a neutr	n	1982	If a dispute arises between you and eCA, our goal is to provide you with a neutr
	>	al and cost-effective means of resolving the dispute quickly. We strongly encour		>	al and
	>	age you to first contact us to seek a resolution. If your dispute is not resolve
	>	d by contacting Customer Service, all legal notices and formal disputes should b
	>	e sent to eCA's registered
	1241	agent in accordance with the “ Notices ” Section below. We will consider re		1983	cost-effective means of resolving the dispute quickly. We strongly encourage yo
	>	asonable requests to resolve the dispute through alternative dispute resolution		>	u to first contact
	>	procedures, such as mediation or arbitration, as alternatives to litigation.
				1984	us to seek a resolution. If your dispute is not resolved by contacting Customer
				>	Service, all
				1985	legal notices and formal disputes should be sent to eCA's registered
				1986	agent in accordance with the “ Notices ” Section below. We will consider
				1987	reasonable requests to resolve the dispute through alternative dispute resoluti
				>	on procedures, such
				1988	as mediation or arbitration, as alternatives to litigation.
	1242			1989
	1243	#### Law and Forum for Legal Disputes		1990	#### Law and Forum for Legal Disputes
	1244			1991
n	1245	These Payments Terms of Use will be governed in all respects by the laws of New	n	1992	These Payments Terms of Use will be governed in all respects by the laws of New
	>	South Wales. We encourage you to try and resolve disputes using certified mediat		>	South Wales. We
	>	ion (such as online dispute resolution processes). If a dispute cannot be resolv
	>	ed then you and eCA irrevocably
				1993	encourage you to try and resolve disputes using certified mediation (such as on
				>	line dispute
				1994	resolution processes). If a dispute cannot be resolved then you and eCA irrevoc
				>	ably
	1246	submit to the non-exclusive jurisdiction of the courts of New South Wales, Aust		1995	submit to the non-exclusive jurisdiction of the courts of New South Wales, Aust
	>	ralia.		>	ralia.
	1247			1996
	1248	#### Notices		1997	#### Notices
	1249			1998
n	1250	Legal notices must be served on eCA’s registered agent (in eCA’s case) or to the	n	1999	Legal notices must be served on eCA’s registered agent (in eCA’s case) or to the
	>	registered email address associated with your account (in your case). Notice wi		>	registered email
	>	ll be deemed given 24 hours after email is sent, unless the sending party is not
	>	ified that the email address is
	1251	invalid or that the email has not been delivered. Alternatively, we may give yo		2000	address associated with your account (in your case). Notice will be deemed give
	>	u legal notice by mail to the address provided by you during the registration pr		>	n 24 hours after
	>	ocess. In such case, notice will be deemed given three business days after the d
	>	ate of mailing.
				2001	email is sent, unless the sending party is notified that the email address is
				2002	invalid or that the email has not been delivered. Alternatively, we may give yo
				>	u legal notice by
				2003	mail to the address provided by you during the registration process. In such ca
				>	se, notice will be
				2004	deemed given three business days after the date of mailing.
	1252			2005
n	1253	Any notices to eCA's registered agent must be given by registered ordinary post	n	2006	Any notices to eCA's registered agent must be given by registered ordinary post
	>	(or if posted to or from a place outside Australia, by registered airmail) to eB		>	(or if posted to
	>	ay Commerce Australia Pty Ltd c/o Mills Oakley, Level 7, 151 Clarence Street, Sy
	>	dney NSW 2000.
				2007	or from a place outside Australia, by registered airmail) to eBay Commerce Aust
				>	ralia Pty Ltd c/o
				2008	Mills Oakley, Level 7, 151 Clarence Street, Sydney NSW 2000.
	1254			2009
	1255	## VI. ADDITIONAL TERMS FOR SERVICES PROVIDED BY ECUK		2010	## VI. ADDITIONAL TERMS FOR SERVICES PROVIDED BY ECUK
	1256			2011
n	1257	In addition to the General Payments Terms above, the following provisions apply	n	2012	In addition to the General Payments Terms above, the following provisions apply
	>	with respect to Payment Services you receive from eCUK. Within this section, “ *		>	with respect to Payment
	>	we* ” or “ us ” refers to ECUK.
				2013	Services you receive from eCUK. Within this section, “ we ” or
				2014	“ us ” refers to ECUK.
	1258			2015
n	1259	As between you and eCUK, these Payments Terms of Use incorporate by this referen	n	2016	As between you and eCUK, these Payments Terms of Use incorporate by this referen
	>	ce the provisions of the User Agreement to the extent applicable to this agreeme		>	ce the provisions of the User
	>	nt. In the event of any
				2017	Agreement to the extent applicable to this agreement. In the event of any
				2018	conflict between the User
	1260	conflict between the User Agreement and these Payments Terms of Use, these Paym		2019	Agreement and these Payments Terms of Use, these Payments Terms of Use will gov
	>	ents Terms of Use will govern.		>	ern.
	1261			2020
	1262	Expand Part VI		2021	Expand Part VI
	1263	### 1. Business users		2022	### 1. Business users
	1266			2025
	1267	For the purposes of these Payments Terms of Use:		2026	For the purposes of these Payments Terms of Use:
	1268			2027
n	1269	- A micro-enterprise is an enterprise, which employs fewer than 10 persons, and	n	2028	- A micro-enterprise is an enterprise, which employs fewer than 10 persons, and
	>	has a turnover or annual balance sheet that does not exceed €2 million;		>	has a turnover or
	1270	- A charity is a body whose annual income is less than £1 million and is a chari		2029	annual balance sheet that does not exceed €2 million;
	>	ty as defined in England and Wales by section 1(1) of the Charities Act 2011, in
	>	Scotland by section 106 of the Charities and Trustee Investment (Scotland) Act
	>	2005, or in Northern Ireland by
				2030	- A charity is a body whose annual income is less than £1 million and is a chari
				>	ty as defined
				2031	in England and Wales by section 1(1) of the Charities Act 2011, in Scotland by
				>	section 106 of the
				2032	Charities and Trustee Investment (Scotland) Act 2005, or in Northern Ireland by
	1271	section 1(1) of the Charities Act (Northern Ireland) 2008; and		2033	section 1(1) of the Charities Act (Northern Ireland) 2008; and
	1272	- A consumer is an individual acting for purposes other than a trade, business o		2034	- A consumer is an individual acting for purposes other than a trade, business o
	>	r profession.		>	r profession.
	1273			2035
n	1274	If you become a micro-enterprise, charity or consumer, you should immediately no	n	2036	If you become a micro-enterprise, charity or consumer, you should immediately no
	>	tify us, and the terms applying to those customers (as indicated in these Paymen		>	tify us, and the
	>	ts Terms of Use) will apply to you. If you are no longer a micro-enterprise, cha
	>	rity or consumer, then you should
	1275	notify us immediately, and the terms applying to those customers (as indicated		2037	terms applying to those customers (as indicated in these Payments Terms of Use)
	>	in these Payments Terms of Use) will no longer apply to you.		>	will apply to you.
				2038	If you are no longer a micro-enterprise, charity or consumer, then you should
				2039	notify us immediately, and the terms applying to those customers (as indicated
				>	in these Payments
				2040	Terms of Use) will no longer apply to you.
	1276			2041
	1277	**Provided that you are not a micro-enterprise, charity or consumer, you agree t		2042	**Provided that you are not a micro-enterprise, charity or consumer, you agree t
	>	hat:**		>	hat:**
	1278			2043
n	1279	- Part 6 and regulations 66(1), 67(3) and (4), 75, 77, 79, 80, 83, 91, 92, and 9	n	2044	- Part 6 and regulations 66(1), 67(3) and (4), 75, 77, 79, 80, 83, 91, 92, and 9
	>	4 of the Payment Services Regulations 2017 do not apply in respect of these Paym		>	4 of the Payment
	>	ents Terms of Use;
	1280	- If you become aware of any unauthorised transactions then you will notify eCUK		2045	Services Regulations 2017 do not apply in respect of these Payments Terms of Us
	>	by contacting the Customer Service via any of the available communication metho		>	e;
	>	ds (e.g. Contact Us form, chat) without undue delay, and in any event no later t
	>	han sixty (60) days after the debit
				2046	- If you become aware of any unauthorised transactions then you will notify eCUK
				>	by contacting the
				2047	Customer Service via any of the available communication methods (e.g. Contact U
				>	s form, chat)
				2048	without undue delay, and in any event no later than sixty (60) days after the d
				>	ebit
	1281	date;		2049	date;
n	1282	- eCUK will not be liable to you for any unauthorized transaction unless you hav	n	2050	- eCUK will not be liable to you for any unauthorized transaction unless you hav
	>	e notified it in accordance with (b) above;		>	e notified it in
				2051	accordance with (b) above;
	1283	- eCUK will not be liable to you for any unauthorized transaction if it has reas		2052	- eCUK will not be liable to you for any unauthorized transaction if it has reas
	>	onable grounds to suspect that you have acted fraudulently.		>	onable grounds to
				2053	suspect that you have acted fraudulently.
	1284			2054
	1285	### 2. Payment Service; Disabling Payment Methods		2055	### 2. Payment Service; Disabling Payment Methods
	1286			2056
n	1287	You authorize eCUK to acquire and settle payments that it receives on your behal	n	2057	You authorize eCUK to acquire and settle payments that it receives on your behal
	>	f. When you sell an item on eBay, you are deemed to be a payee, with eCUK acting		>	f. When you sell an
	>	as your payment service provider. In a refund, chargeback, or similar scenario,
	>	or if you use your funds to pay, you
				2058	item on eBay, you are deemed to be a payee, with eCUK acting as your payment se
				>	rvice provider. In a
				2059	refund, chargeback, or similar scenario, or if you use your funds to pay, you
	1288	may be deemed to be a payer, again with eCUK acting as your payment service pro		2060	may be deemed to be a payer, again with eCUK acting as your payment service pro
	>	vider.		>	vider.
	1289			2061
n	1290	Unless subject to a hold as described in these Payments Terms of Use, your trans	n	2062	Unless subject to a hold as described in these Payments Terms of Use, your trans
	>	action proceeds will generally be available for settlement to your Payout Entity		>	action proceeds will
	>	or your E-Money Account (as defined below) within one to two business days afte
	>	r buyer payment is confirmed in
	1291	checkout, although actual availability may vary depending on the buyer’s paymen		2063	generally be available for settlement to your Payout Entity or your E-Money Acc
	>	t method and when the payment is received by us. In some cases (for example, if		>	ount (as defined
	>	you are a new seller on eBay, or if you are a private seller in the UK), funds m
	>	ay become available for
				2064	below) within one to two business days after buyer payment is confirmed in
				2065	checkout, although actual availability may vary depending on the buyer’s paymen
				>	t method and
				2066	when the payment is received by us. In some cases (for example, if you are a ne
				>	w seller on eBay, or
				2067	if you are a private seller in the UK), funds may become available for
	1292	disbursement after the item is deemed delivered, as described in this help page		2068	disbursement after the item is deemed delivered, as described in this help page
	>	.		>	.
	1293			2069
n	1294	If eCUK is your Payout Entity, eCUK will issue electronic money to you on receip	n	2070	If eCUK is your Payout Entity, eCUK will issue electronic money to you on receip
	>	t of funds received following the settlement process described above and will op		>	t of funds received
	>	en, hold and operate an electronic money account (the E-money Account) for you.
	>	You will only be able to fund your
	1295	E-Money Account using the amounts settled following your sale of an item on eBa		2071	following the settlement process described above and will open, hold and operat
	>	y and by eCUK issuing electronic money to you on receipt of funds received follo		>	e an electronic money
	>	wing the settlement process described above in respect of such sale. In some cir
	>	cumstances we may issue electronic
				2072	account (the E-money Account) for you. You will only be able to fund your
				2073	E-Money Account using the amounts settled following your sale of an item on eBa
				>	y and by eCUK issuing
				2074	electronic money to you on receipt of funds received following the settlement p
				>	rocess described
				2075	above in respect of such sale. In some circumstances we may issue electronic
	1296	money to you and allow you to use such electronic money to make payment transac		2076	money to you and allow you to use such electronic money to make payment transac
	>	tions before funds have been credited to eCUK’s own account.		>	tions before funds
				2077	have been credited to eCUK’s own account.
	1297			2078
n	1298	From time to time, it may be possible for you to use your electronic money to ma	n	2079	From time to time, it may be possible for you to use your electronic money to ma
	>	ke eligible purchases on ebay.co.uk. In such cases you will be deemed to be paye		>	ke eligible
	>	r, and eCUK will be providing you with payment services related to the issuance
	>	of e-money. If you use your electronic
	1299	money to make an eligible purchase on ebay.co.uk, and are subsequently refunded		2080	purchases on ebay.co.uk. In such cases you will be deemed to be payer, and eCUK
	>	in respect of such purchase, eCUK will issue you with electronic money on recei		>	will be providing
	>	pt of the proceeds relating to the refund.
				2081	you with payment services related to the issuance of e-money. If you use your e
				>	lectronic
				2082	money to make an eligible purchase on ebay.co.uk, and are subsequently refunded
				>	in respect of such
				2083	purchase, eCUK will issue you with electronic money on receipt of the proceeds
				>	relating to the
				2084	refund.
	1300			2085
n	1301	The acceptance of a buyer’s payment instrument (for example, their Visa card), o	n	2086	The acceptance of a buyer’s payment instrument (for example, their Visa card), o
	>	nce it has been authorized for payment, satisfies the buyer’s payment obligation		>	nce it has
	>	to you, regardless of whether we issue electronic money to you in respect of su
	>	ch sale to the buyer. In
	1302	the event that we do not issue electronic money to you as described in these Pa		2087	been authorized for payment, satisfies the buyer’s payment obligation to you, r
	>	yments Terms of Use, you will have recourse against us only and not against the		>	egardless of
	>	buyer. To the extent permissible under the rules of any third-party or governmen
	>	tal body with jurisdiction over us, you
				2088	whether we issue electronic money to you in respect of such sale to the buyer.
				>	In
				2089	the event that we do not issue electronic money to you as described in these Pa
				>	yments Terms of Use,
				2090	you will have recourse against us only and not against the buyer. To the extent
				>	permissible under
				2091	the rules of any third-party or governmental body with jurisdiction over us, yo
				>	u
	1303	agree that we are not liable for your acts and omissions and you understand tha		2092	agree that we are not liable for your acts and omissions and you understand tha
	>	t we disclaim any such liability.		>	t we disclaim any
				2093	such liability.
	1304			2094
n	1305	We may disable specific payment method(s) available to buyers for all or some of	n	2095	We may disable specific payment method(s) available to buyers for all or some of
	>	your listings if we reasonably believe the use of such payment methods for your		>	your listings if we
	>	transactions will increase regulatory, financial, or other risk to us. For exam
	>	ple, if you would like to offer a
	1306	high-priced item with a new eBay account, we may disable such payment methods w		2096	reasonably believe the use of such payment methods for your transactions will i
	>	here the amount is credited with a time delay after the transaction (e.g. direct		>	ncrease regulatory,
	>	debit or payment upon invoice). In assessing the risk, we consider relevant fac
	>	tors such as your sales history,
	1307	service status, eBay account history, risks associated with certain item catego		2097	financial, or other risk to us. For example, if you would like to offer a
	>	ries, transaction value, and number and monetary amounts of eMBG cases. We will
	>	re-enable the affected payment method(s) for your listings once the risk no long
	>	er exists.
				2098	high-priced item with a new eBay account, we may disable such payment methods w
				>	here the amount is
				2099	credited with a time delay after the transaction (e.g. direct debit or payment
				>	upon invoice). In
				2100	assessing the risk, we consider relevant factors such as your sales history,
				2101	service status, eBay account history, risks associated with certain item catego
				>	ries, transaction
				2102	value, and number and monetary amounts of eMBG cases. We will re-enable the aff
				>	ected payment
				2103	method(s) for your listings once the risk no longer exists.
	1308			2104
	1309	### 3. Execution of Payment Transactions		2105	### 3. Execution of Payment Transactions
	1310			2106
n	1311	When you, as a payee or payer, use Managed Payments, the payment transactions wi	n	2107	When you, as a payee or payer, use Managed Payments, the payment transactions wi
	>	ll be executed in accordance with the payment schemes rules and procedures, or a		>	ll be executed in
	>	s otherwise agreed.
				2108	accordance with the payment schemes rules and procedures, or as otherwise agree
				>	d.
	1312			2109
	1313	#### Required Information		2110	#### Required Information
	1314			2111
n	1315	You must ensure we are provided with the data required for us to execute the pay	n	2112	You must ensure we are provided with the data required for us to execute the pay
	>	ment transaction. If we are executing a payment in respect of a refund owed to a		>	ment transaction. If
	>	buyer (of an item you sell on eBay) and we do not have sufficient data to execu
	>	te such transaction we reserve the
				2113	we are executing a payment in respect of a refund owed to a buyer (of an item y
				>	ou sell on eBay) and
				2114	we do not have sufficient data to execute such transaction we reserve the
	1316	right to ask the buyer’s payment service provider for the required information.		2115	right to ask the buyer’s payment service provider for the required information.
	1317			2116
	1318	We require the following information for the execution of a payment transaction:		2117	We require the following information for the execution of a payment transaction:
	1320	- Your name,		2119	- Your name,
	1321	- Your eBay username,		2120	- Your eBay username,
	1322	- The buyer’s name (where applicable),		2121	- The buyer’s name (where applicable),
n	1323	- The buyer’s eBay username, and any other data about the buyer which the buyer’	n	2122	- The buyer’s eBay username, and any other data about the buyer which the buyer’
	>	s payment service provider or we may require (where applicable),		>	s
				2123	payment service provider or we may require (where applicable),
	1324	- The currency of the payment transaction (if possible, in abbreviated form),		2124	- The currency of the payment transaction (if possible, in abbreviated form),
	1325	- The amount of the payment transaction, and		2125	- The amount of the payment transaction, and
	1326	- The beneficiary’s payment details.		2126	- The beneficiary’s payment details.
	1327			2127
n	1328	We may also require specific information, such as a one-time authorization code	n	2128	We may also require specific information, such as a one-time authorization code
	>	sent to your verified phone number or email address, to authenticate a payment t		>	sent to your
	>	ransaction (or to allow you to access certain information related to Managed Pay
	>	ments on eBay).
				2129	verified phone number or email address, to authenticate a payment transaction (
				>	or to allow you to
				2130	access certain information related to Managed Payments on eBay).
	1329			2131
n	1330	To the extent reasonably possible, we will automatically utilize the information	n	2132	To the extent reasonably possible, we will automatically utilize the information
	>	stored in our systems. Where the required information provided by you or (where		>	stored in our
	>	applicable) the buyer is not fully available or is inaccurate, we will not bear
	>	any liability for any damage, delay,
				2133	systems. Where the required information provided by you or (where applicable) t
				>	he buyer is not fully
				2134	available or is inaccurate, we will not bear any liability for any damage, dela
				>	y,
	1331	or other consequence from the non-execution or defective execution of the relev		2135	or other consequence from the non-execution or defective execution of the relev
	>	ant payment transaction.		>	ant payment
				2136	transaction.
	1332			2137
	1333	#### Receipt of Payment Orders		2138	#### Receipt of Payment Orders
	1334			2139
	1335	A payment order will be deemed to have been received by us if:		2140	A payment order will be deemed to have been received by us if:
	1336			2141
	1337	- Carried out by means of a payment card, then in accordance with the card schem		2142	- Carried out by means of a payment card, then in accordance with the card schem
	>	es rules; or		>	es rules; or
n	1338	- Received by our available electronic communication channels, then on the busin	n	2143	- Received by our available electronic communication channels, then on the busin
	>	ess day when it is actually received by us.		>	ess day when it is
				2144	actually received by us.
	1339			2145
n	1340	If the payment order is not received on a business day, it will be deemed to be	n	2146	If the payment order is not received on a business day, it will be deemed to be
	>	received on the next business day. “Business days” in this Part VI of these Paym		>	received on the
	>	ents Terms of Use shall mean the days on which banks in London are open for regu
	>	lar business.
				2147	next business day. “Business days” in this Part VI of these Payments Terms of U
				>	se shall
				2148	mean the days on which banks in London are open for regular business.
	1341			2149
n	1342	You may not revoke a payment order after we have received it. However, if we hav	n	2150	You may not revoke a payment order after we have received it. However, if we hav
	>	e agreed that a payment order will be executed on a certain future date, the bus		>	e agreed that a
	>	iness day prior to this future date will be the latest you can revoke the paymen
	>	t order.
				2151	payment order will be executed on a certain future date, the business day prior
				>	to this future date
				2152	will be the latest you can revoke the payment order.
	1343			2153
	1344	#### Refusal of Payment Orders		2154	#### Refusal of Payment Orders
	1345			2155
	1346	We reserve the right to refuse the execution of a payment order when:		2156	We reserve the right to refuse the execution of a payment order when:
	1347			2157
	1348	- The payment order information contains factual errors and/or is incomplete;		2158	- The payment order information contains factual errors and/or is incomplete;
n	1349	- You have not satisfied your obligations under these Payments Terms of Use or a	n	2159	- You have not satisfied your obligations under these Payments Terms of Use or a
	>	ny other agreement between you and us;		>	ny other agreement
				2160	between you and us;
	1350	- There are doubts about the validity of the instruction, or the identity or aut		2161	- There are doubts about the validity of the instruction, or the identity or aut
	>	hority of the person giving the payment order; or		>	hority of the
				2162	person giving the payment order; or
	1351	- The payment order, if executed, would lead to a breach of the applicable rules		2163	- The payment order, if executed, would lead to a breach of the applicable rules
	>	, laws, or regulations.		>	, laws, or
				2164	regulations.
	1352			2165
	1353	We may charge a reasonable fee for such a refusal.		2166	We may charge a reasonable fee for such a refusal.
	1354			2167
n	1355	You acknowledge that when executing a payment transaction, we may have to disclo	n	2168	You acknowledge that when executing a payment transaction, we may have to disclo
	>	se information mentioned above and your legal address to the other party’s payme		>	se information
	>	nt service provider and, where relevant, also to intermediaries involved in the
	>	execution of the payment
				2169	mentioned above and your legal address to the other party’s payment service pro
				>	vider and,
				2170	where relevant, also to intermediaries involved in the execution of the payment
	1356	transaction. You expressly accept and instruct us to disclose such data.		2171	transaction. You expressly accept and instruct us to disclose such data.
	1357			2172
n	1358	Where you are the payer, the execution of the transaction may depend on us havin	n	2173	Where you are the payer, the execution of the transaction may depend on us havin
	>	g received the respective amount from you prior to the execution, or there being		>	g received the
	>	sufficient funds in your E-Money Account to fund the transaction.
				2174	respective amount from you prior to the execution, or there being sufficient fu
				>	nds in your E-Money
				2175	Account to fund the transaction.
	1359			2176
	1360	### 4. Redemption of E-Money		2177	### 4. Redemption of E-Money
	1361			2178
n	1362	If we are your Payout Entity and provide you with an E-Money Account, we will, o	n	2179	If we are your Payout Entity and provide you with an E-Money Account, we will, o
	>	n your instruction, redeem the electronic money held in your E-money Account and		>	n your instruction,
	>	pay the proceeds of redemption (the monetary value of the electronic money you
	>	have redeemed) to your Linked
				2180	redeem the electronic money held in your E-money Account and pay the proceeds o
				>	f redemption (the
				2181	monetary value of the electronic money you have redeemed) to your Linked
	1363	Financial Account.		2182	Financial Account.
	1364			2183
n	1365	Payments to your Linked Financial Account will generally be initiated either aut	n	2184	Payments to your Linked Financial Account will generally be initiated either aut
	>	omatically according to the schedule you have pre-selected (if scheduled payment		>	omatically according
	>	s are available to you) or “on demand” based on an individual redemption instruc
	>	tion we receive from you.
	1366	However, if your E-money Account is not configured to include a regularly sched		2185	to the schedule you have pre-selected (if scheduled payments are available to y
	>	uled redemption, we may periodically redeem the electronic money held in your E-		>	ou) or “on
	>	money Account and send the redemption proceeds to your Linked Financial Account.
				2186	demand” based on an individual redemption instruction we receive from you.
				2187	However, if your E-money Account is not configured to include a regularly sched
				>	uled redemption, we
				2188	may periodically redeem the electronic money held in your E-money Account and s
				>	end the redemption
				2189	proceeds to your Linked Financial Account.
	1367			2190
n	1368	If scheduled payments are available to you and you opt to redeem electronic mone	n	2191	If scheduled payments are available to you and you opt to redeem electronic mone
	>	y in your E-Money Account according to a pre-selected schedule, your redemption		>	y in your E-Money
	>	proceeds, other than those being held in accordance with these Payments Terms of
	>	Use will be paid out to your Linked
	1369	Financial Account according to the payout schedule agreed with you. For example		2192	Account according to a pre-selected schedule, your redemption proceeds, other t
	>	, if you select monthly payouts, a single settlement will be initiated automatic		>	han those being held
	>	ally once a month for all transactions that have settled to your E-Money Account
	>	on or before that day. If you request
	1370	a payout on demand, a single settlement will be initiated for all transactions		2193	in accordance with these Payments Terms of Use will be paid out to your Linked
	>	that have settled to your E-Money Account on or before that day. You may be able
	>	to choose to redeem only a portion of your available balance in your E-Money Ac
	>	count, leaving the rest in your E-money
				2194	Financial Account according to the payout schedule agreed with you. For example
				>	, if you select
				2195	monthly payouts, a single settlement will be initiated automatically once a mon
				>	th for all
				2196	transactions that have settled to your E-Money Account on or before that day. I
				>	f you request
				2197	a payout on demand, a single settlement will be initiated for all transactions
				>	that have settled to
				2198	your E-Money Account on or before that day. You may be able to choose to redeem
				>	only a portion of
				2199	your available balance in your E-Money Account, leaving the rest in your E-mone
				>	y
	1371	Account.		2200	Account.
	1372			2201
n	1373	Transaction proceeds will generally settle to your Linked Financial Account with	n	2202	Transaction proceeds will generally settle to your Linked Financial Account with
	>	in two business days of initiating disbursement to you, although actual settleme		>	in two business days
	>	nt times may vary for individual transactions depending on circumstances such as
	>	your bank’s processing times.
				2203	of initiating disbursement to you, although actual settlement times may vary fo
				>	r individual
				2204	transactions depending on circumstances such as your bank’s processing times.
	1374	We may diverge from the redemption and payout process as needed for compliance		2205	We may diverge from the redemption and payout process as needed for compliance
	>	or risk reasons.		>	or risk reasons.
	1375			2206
n	1376	We may also require specific information, such as a one-time authorization code	n	2207	We may also require specific information, such as a one-time authorization code
	>	sent to your verified phone number or email address, to authenticate a payout of		>	sent to your
	>	redemption proceeds.
				2208	verified phone number or email address, to authenticate a payout of redemption
				>	proceeds.
	1377			2209
n	1378	If we are unable to settle your redemption proceeds, then, depending on the reas	n	2210	If we are unable to settle your redemption proceeds, then, depending on the reas
	>	on why we are unable to settle your redemption proceeds, we may refund the buyer		>	on why we are unable
	>	(e.g., in the event that we cannot process your information due to technical re
	>	asons etc.) or otherwise process these
				2211	to settle your redemption proceeds, we may refund the buyer (e.g., in the event
				>	that we cannot
				2212	process your information due to technical reasons etc.) or otherwise process th
				>	ese
	1379	funds in accordance with applicable law.		2213	funds in accordance with applicable law.
	1380			2214
n	1381	We will provide you with monthly statements of your transactions free of charge,	n	2215	We will provide you with monthly statements of your transactions free of charge,
	>	which can be accessed in the Seller Hub .		>	which can be
				2216	accessed in the Seller Hub .
	1382			2217
n	1383	The balance on your E-money Account is not a deposit. You will not receive inter	n	2218	The balance on your E-money Account is not a deposit. You will not receive inter
	>	est or any other earnings on the money held in your E-money Account.		>	est or any other
				2219	earnings on the money held in your E-money Account.
	1384			2220
n	1385	The Financial Services Compensation Scheme is not applicable for this E-money Ac	n	2221	The Financial Services Compensation Scheme is not applicable for this E-money Ac
	>	count. No other compensation schemes exist to cover losses claimed in connection		>	count. No other
	>	with your E-money Account. The Electronic Money Regulations 2011 imposes requir
	>	ements on us about how we hold these
	1386	funds. We will ensure that once we have received your funds they are deposited		2222	compensation schemes exist to cover losses claimed in connection with your E-mo
	>	in a safeguarded account, specifically for the purpose of redeeming transactions		>	ney Account. The
	>	made from your E-money Account. In the event that we become insolvent, funds th
	>	at have arrived with and been received
				2223	Electronic Money Regulations 2011 imposes requirements on us about how we hold
				>	these
				2224	funds. We will ensure that once we have received your funds they are safeguarde
				>	d using one or more
				2225	of the methods permitted under applicable law and regulatory requirements. In t
				>	he event that we
				2226	become insolvent, funds that have arrived with and been received and credited b
				>	y us into your
	1387	and credited by us into your E-money Account are protected against the claims m		2227	E-money Account are protected against the claims made by creditors.
	>	ade by creditors.
	1388			2228
	1389	### 5. Liability for Unauthorized Payment Transactions		2229	### 5. Liability for Unauthorized Payment Transactions
	1390			2230
n	1391	You will be fully liable for all losses relating to an unauthorized payment tran	n	2231	You will be fully liable for all losses relating to an unauthorized payment tran
	>	saction if you acted fraudulently with respect to such a payment transaction, or		>	saction if you acted
	>	if you failed to fulfil one or more of the obligations under this agreement (su
	>	ch as keeping your credentials safe or
				2232	fraudulently with respect to such a payment transaction, or if you failed to fu
				>	lfil one or more of
				2233	the obligations under this agreement (such as keeping your credentials safe or
	1392	notifying us without undue delay if you have lost your security credentials or		2234	notifying us without undue delay if you have lost your security credentials or
	>	think they may have been stolen) with intent or gross negligence.		>	think they may have
				2235	been stolen) with intent or gross negligence.
	1393			2236
n	1394	We ask you to keep your security credentials safe. This means you should not sha	n	2237	We ask you to keep your security credentials safe. This means you should not sha
	>	re your security credentials with anyone, and you should disguise or protect you		>	re your security
	>	r security credentials if you write them down or store them. If you think someon
	>	e has used or is able to access your
				2238	credentials with anyone, and you should disguise or protect your security crede
				>	ntials if you write
				2239	them down or store them. If you think someone has used or is able to access you
				>	r
	1395	E-money Account, you must tell us as soon as you can.		2240	E-money Account, you must tell us as soon as you can.
	1396			2241
	1397	### 6. Our Liability		2242	### 6. Our Liability
	1398			2243
n	1399	We will refund you in full and are liable for losses directly and reasonably for	n	2244	We will refund you in full and are liable for losses directly and reasonably for
	>	eseeably incurred by an incorrectly or non-executed payment transaction, provide		>	eseeably incurred by
	>	d that you have informed us of such transaction without undue delay after becomi
	>	ng aware of the defect and in no event
	1400	later than: (i) thirteen (13) months after the transaction was executed if you		2245	an incorrectly or non-executed payment transaction, provided that you have info
	>	are a consumer, micro-enterprise or charity; or (ii) sixty (60) days after the t		>	rmed us of such
	>	ransaction was executed if you are using the Payment Services as a business whic
	>	h is not a consumer, micro-enterprise
				2246	transaction without undue delay after becoming aware of the defect and in no ev
				>	ent
				2247	later than: (i) thirteen (13) months after the transaction was executed if you
				>	are a consumer,
				2248	micro-enterprise or charity; or (ii) sixty (60) days after the transaction was
				>	executed if you are
				2249	using the Payment Services as a business which is not a consumer, micro-enterpr
				>	ise
	1401	or charity, in each case unless we failed to make information about the transac		2250	or charity, in each case unless we failed to make information about the transac
	>	tion available to you.		>	tion available to
				2251	you.
	1402			2252
	1403	However, we won't refund you if:		2253	However, we won't refund you if:
	1404			2254
	1405	- We reasonably think you acted fraudulently (and we may involve the police)		2255	- We reasonably think you acted fraudulently (and we may involve the police)
n	1406	- You are not a consumer, micro-enterprise or charity, and you didn’t take steps	n	2256	- You are not a consumer, micro-enterprise or charity, and you didn’t take steps
	>	to keep your E-Money Account secure;		>	to keep
				2257	your E-Money Account secure;
	1407	- You are a consumer, micro-enterprise or charity, and you deliberately or with		2258	- You are a consumer, micro-enterprise or charity, and you deliberately or with
	>	gross negligence didn’t keep your E-money Account secure.		>	gross negligence
				2259	didn’t keep your E-money Account secure.
	1408			2260
n	1409	To the fullest extent permitted by applicable law, we and our Affiliates (and ou	n	2261	To the fullest extent permitted by applicable law, we and our Affiliates (and ou
	>	r and their respective employees, directors, agents and representatives) will no		>	r and their
	>	t be liable for any direct lost profits, any indirect lost profits, or any speci
	>	al, incidental or consequential
	1410	damages (including without limitation damages for loss of data or loss of busin		2262	respective employees, directors, agents and representatives) will not be liable
	>	ess) arising out of or in connection with these Payments Terms of Use or Managed		>	for any direct lost
	>	Payments (including the inability to use Managed Payments). In addition, to the
	>	fullest extent permitted by applicable
	1411	law, in no event will aggregate liability of us or our Affiliates (and our and		2263	profits, any indirect lost profits, or any special, incidental or consequential
	>	their respective employees, directors, agents and representatives) arising out o
	>	f or in connection with these Payments Terms of Use, the transactions contemplat
	>	ed hereby, or Managed Payments exceed
	1412	the actual amount of direct damages (excluding direct loss of profits), whether		2264	damages (including without limitation damages for loss of data or loss of busin
	>	in contract, tort (including negligence, product liability or other theory), wa		>	ess) arising out of
	>	rranty, or otherwise.
				2265	or in connection with these Payments Terms of Use or Managed Payments (includin
				>	g the inability to
				2266	use Managed Payments). In addition, to the fullest extent permitted by applicab
				>	le
				2267	law, in no event will aggregate liability of us or our Affiliates (and our and
				>	their respective
				2268	employees, directors, agents and representatives) arising out of or in connecti
				>	on with these
				2269	Payments Terms of Use, the transactions contemplated hereby, or Managed Payment
				>	s exceed
				2270	the actual amount of direct damages (excluding direct loss of profits), whether
				>	in contract, tort
				2271	(including negligence, product liability or other theory), warranty, or otherwi
				>	se.
	1413			2272
n	1414	Without limiting the foregoing, in no event will we or any of our Affiliates be	n	2273	Without limiting the foregoing, in no event will we or any of our Affiliates be
	>	liable to you for any failure or delay by us (or our employees, agents, or repre		>	liable to you for
	>	sentatives) in performing our obligations under these Payments Terms of Use, whe
	>	re such failure or delay is caused by
	1415	abnormal and unforeseeable circumstances beyond our control, the consequences o		2274	any failure or delay by us (or our employees, agents, or representatives) in pe
	>	f which would have been unavoidable despite all reasonable efforts to the contra		>	rforming our
	>	ry, or where we are bound by other legal obligations covered by applicable law.
				2275	obligations under these Payments Terms of Use, where such failure or delay is c
				>	aused by
				2276	abnormal and unforeseeable circumstances beyond our control, the consequences o
				>	f which would have
				2277	been unavoidable despite all reasonable efforts to the contrary, or where we ar
				>	e bound by other
				2278	legal obligations covered by applicable law.
	1416			2279
	1417	### 7. Shipping Labels		2280	### 7. Shipping Labels
	1418			2281
n	1419	If buyers purchase a return shipping label at their own expense on the eBay webs	n	2282	If buyers purchase a return shipping label at their own expense on the eBay webs
	>	ite, eBay may automatically deduct the label costs from the refund amount a buye		>	ite, eBay may
	>	r receives from you. If this occurs, you agree (as a debtor to the buyer for the
	>	refund) to be delegated as a debtor
	1420	to the shipping carrier for the label costs, and authorize us to use the releva		2283	automatically deduct the label costs from the refund amount a buyer receives fr
	>	nt part of the refund amount to pay the shipping carrier on your behalf. You wil		>	om you. If this
	>	l not bear any additional shipping costs in this event.
				2284	occurs, you agree (as a debtor to the buyer for the refund) to be delegated as
				>	a debtor
				2285	to the shipping carrier for the label costs, and authorize us to use the releva
				>	nt part of the refund
				2286	amount to pay the shipping carrier on your behalf. You will not bear any additi
				>	onal shipping costs
				2287	in this event.
	1421			2288
	1422	### 8. Corrective Measures		2289	### 8. Corrective Measures
	1423			2290
n	1424	If we become aware of suspected or actual fraud or other security threats affect	n	2291	If we become aware of suspected or actual fraud or other security threats affect
	>	ing your eBay account, we will notify you by email and provide you with instruct		>	ing your eBay
	>	ions on how to protect such account or your E-Money Account.
				2292	account, we will notify you by email and provide you with instructions on how t
				>	o protect such
				2293	account or your E-Money Account.
	1425			2294
	1426	### 9. Amendment		2295	### 9. Amendment
	1427			2296
n	1428	For customers that are consumers, micro-enterprises or charities, Part I, Sectio	n	2297	For customers that are consumers, micro-enterprises or charities, Part I, Sectio
	>	n 9 (“Amendment”) of the Payments Terms of Use applies.		>	n 9
				2298	(“Amendment”) of the Payments Terms of Use applies.
	1429			2299
n	1430	For customers that are not consumers, micro-enterprises or charities, we will no	n	2300	For customers that are not consumers, micro-enterprises or charities, we will no
	>	tify you of any amendments to these Payments Terms of Use by writing (for exampl		>	tify you of any
	>	e, by posting a revised version of these Payments Terms of Use on our website, i
	>	ncluding the Seller Hub or the eBay
	1431	Message Centre). Before the anticipated effective date of such change, we will		2301	amendments to these Payments Terms of Use by writing (for example, by posting a
	>	notify you at least fourteen (14) days prior. Your continued use of Managed Paym		>	revised version of
	>	ents and the Payment Services beyond the effective date of the change will const
	>	itute your acceptance of the changes.
				2302	these Payments Terms of Use on our website, including the Seller Hub or the eBa
				>	y
				2303	Message Centre). Before the anticipated effective date of such change, we will
				>	notify you at least
				2304	fourteen (14) days prior. Your continued use of Managed Payments and the Paymen
				>	t Services beyond the
				2305	effective date of the change will constitute your acceptance of the changes.
	1432			2306
	1433	We will generally change these Payments Terms of Use for the following sorts of		2307	We will generally change these Payments Terms of Use for the following sorts of
	>	reasons:		>	reasons:
	1434			2308
	1435	- if we think it will make them easier to understand or more helpful to you;		2309	- if we think it will make them easier to understand or more helpful to you;
n	1436	- to reflect the way our business is run, for example if the change is needed be	n	2310	- to reflect the way our business is run, for example if the change is needed be
	>	cause of a change in the way any financial system or technology is provided;		>	cause of a change
				2311	in the way any financial system or technology is provided;
	1437	- to reflect legal or regulatory requirements that apply to us;		2312	- to reflect legal or regulatory requirements that apply to us;
	1438	- to reflect changes in the cost of running our business; or		2313	- to reflect changes in the cost of running our business; or
n	1439	- because we are changing or introducing new services or products that affect ou	n	2314	- because we are changing or introducing new services or products that affect ou
	>	r existing services or products covered by these terms and conditions.		>	r existing
				2315	services or products covered by these terms and conditions.
	1440			2316
n	1441	If you do not agree to proposed changes, you may terminate these Payments Terms	n	2317	If you do not agree to proposed changes, you may terminate these Payments Terms
	>	of Use, pursuant to Part VI, Section 10 (“Term, Termination”) below, without any		>	of Use, pursuant to
	>	extra cost at any time before the effective date. We always publish the amended
	>	Payments Terms of Use on
				2318	Part VI, Section 10 (“Term, Termination”) below, without any extra cost at any
				>	time
				2319	before the effective date. We always publish the amended Payments Terms of Use
				>	on
	1442	the eBay website.		2320	the eBay website.
	1443			2321
	1444	### 10. Termination		2322	### 10. Termination
	1445			2323
n	1446	For customers that are consumers, micro-enterprises or charities, Part I, Sectio	n	2324	For customers that are consumers, micro-enterprises or charities, Part I, Sectio
	>	n 10 (“Term, Termination”) of the Payments Terms of Use applies.		>	n 10 (“Term,
				2325	Termination”) of the Payments Terms of Use applies.
	1447			2326
n	1448	For customers that are not consumers, micro-enterprises or charities, Part VI, S	n	2327	For customers that are not consumers, micro-enterprises or charities, Part VI, S
	>	ection 9 (“Amendment”) of the Payments Terms of Use apply, except that we may te		>	ection 9
	>	rminate these Payments Terms of Use by giving written notice fourteen (14) days
	>	prior via email to your registered
				2328	(“Amendment”) of the Payments Terms of Use apply, except that we may terminate
				>	these Payments Terms
				2329	of Use by giving written notice fourteen (14) days prior via email to your regi
				>	stered
	1449	email address.		2330	email address.
	1450			2331
	1451	### 11. General Provisions		2332	### 11. General Provisions
	1452			2333
n	1453	Provided that you are not a micro-enterprise, a charity or a consumer, you agree	n	2334	Provided that you are not a micro-enterprise, a charity or a consumer, you agree
	>	that Articles 66(1), 67(3), 67(4), 75, 77, 79, 80, 83, 91, 92, 94, and Part 6 o		>	that Articles
	>	f the Payment Services Regulations 2017 shall not apply to your use of the Payme
	>	nt Services.
				2335	66(1), 67(3), 67(4), 75, 77, 79, 80, 83, 91, 92, 94, and Part 6 of the Payment
				>	Services Regulations
				2336	2017 shall not apply to your use of the Payment Services.
	1454			2337
	1455	#### Individuals		2338	#### Individuals
	1456			2339
n	1457	If you are an individual acting in your own capacity and not on behalf of a busi	n	2340	If you are an individual acting in your own capacity and not on behalf of a busi
	>	ness, you may not use the Payment Services to receive or transfer funds on behal		>	ness, you may not
	>	f of another natural person or a legal entity.
				2341	use the Payment Services to receive or transfer funds on behalf of another natu
				>	ral person or a
				2342	legal entity.
	1458			2343
	1459	#### Complaints		2344	#### Complaints
	1460			2345
n	1461	Any complaints about eCUK or the services it provides should first be addressed	n	2346	Any complaints about eCUK or the services it provides should first be addressed
	>	to eCUK. You agree that all responses from eCUK relating to such complaints may		>	to eCUK. You agree
	>	be sent to you by email. We will consider any complaint sent by you to us. For f
	>	urther information, please refer to
	1462	our Complaints Procedure .		2347	that all responses from eCUK relating to such complaints may be sent to you by
				>	email. We will
				2348	consider any complaint sent by you to us. For further information, please refer
				>	to
				2349	our Complaints
				2350	Procedure .
	1463			2351
n	1464	If you are a consumer, micro-enterprise or charity that is resident in the Unite	n	2352	If you are a consumer, micro-enterprise or charity that is resident in the Unite
	>	d Kingdom, you may also escalate your complaint to the Financial Ombudsman Servi		>	d Kingdom, you may
	>	ce, which is the competent authority to receive out-of-court complaints by custo
	>	mers of payment service providers
	1465	authorised in the UK, if you are not satisfied with eCUK’s answer to your compl		2353	also escalate your complaint to the Financial Ombudsman Service, which is the c
	>	aint. For further information, please refer to the Financial Ombudsman website a		>	ompetent authority
	>	nd the Financial Ombudsman Services Standard Explanatory Leaflet .
				2354	to receive out-of-court complaints by customers of payment service providers
				2355	authorised in the UK, if you are not satisfied with eCUK’s answer to your compl
				>	aint. For
				2356	further information, please refer to the Financial Ombudsman website and the
				2357	Financial Ombudsman Services Standard Explanatory Leaflet .
	1466			2358
n	1467	If you are suspicious about a financial service provided by us, or you want to r	n	2359	If you are suspicious about a financial service provided by us, or you want to r
	>	eport a scam, you can make a complaint to the Financial Conduct Authority (www.f		>	eport a scam, you
	>	ca.org.uk).
				2360	can make a complaint to the Financial Conduct Authority (www.fca.org.uk).
	1468			2361
	1469	#### Communication		2362	#### Communication
	1470			2363
n	1471	We will communicate with you in the language(s) in which we provided these Payme	n	2364	We will communicate with you in the language(s) in which we provided these Payme
	>	nts Terms of Use to you. You agree that we may give you notice or other informat		>	nts Terms of Use
	>	ion by posting it in your eBay Account, emailing it to your registered email add
	>	ress, mailing it to your registered
				2365	to you. You agree that we may give you notice or other information by posting i
				>	t in your eBay
				2366	Account, emailing it to your registered email address, mailing it to your regis
				>	tered
	1472	physical address, calling your phone number, or sending you mobile messages.		2367	physical address, calling your phone number, or sending you mobile messages.
	1473			2368
n	1474	Legal notices to eCUK (with the exception of a termination notice pursuant to Pa	n	2369	Legal notices to eCUK (with the exception of a termination notice pursuant to Pa
	>	rt I, Section 10) shall be served by mail to the following address: eBay Commerc		>	rt I, Section 10)
	>	e UK Ltd, Hotham House, 1 Heron Square, Richmond upon Thames, Surrey TW9 1EJ, Un
	>	ited Kingdom.
				2370	shall be served by mail to the following address: eBay Commerce UK Ltd, Hotham
				>	House, 1 Heron
				2371	Square, Richmond upon Thames, Surrey TW9 1EJ, United Kingdom.
	1475			2372
n	1476	You may request a copy of any legally required disclosures (including these Paym	n	2373	You may request a copy of any legally required disclosures (including these Paym
	>	ents Terms of Use) from us; we will then provide it to you in a format which all		>	ents Terms of
	>	ows you to store and reproduce the information (for example, by email) or, upon
	>	your request, on paper.
				2374	Use) from us; we will then provide it to you in a format which allows you to st
				>	ore and reproduce
				2375	the information (for example, by email) or, upon your request, on paper.
	1477			2376
	1478	#### Governing Law and Jurisdiction		2377	#### Governing Law and Jurisdiction
	1479			2378
n	1480	These Payments Terms of Use shall be governed by and construed in accordance wit	n	2379	These Payments Terms of Use shall be governed by and construed in accordance wit
	>	h the laws of England and Wales. If you are acting as a consumer (rather than as		>	h the laws of
	>	a business) and if mandatory statutory consumer protection regulations in your
	>	country of residence contain
				2380	England and Wales. If you are acting as a consumer (rather than as a business)
				>	and if mandatory
				2381	statutory consumer protection regulations in your country of residence contain
	1481	provisions that are more beneficial for you, such provisions shall apply irresp		2382	provisions that are more beneficial for you, such provisions shall apply irresp
	>	ective of the choice of English law.		>	ective of the
				2383	choice of English law.
	1482			2384
n	1483	As a consumer, you may bring any judicial proceedings relating to the Payments T	n	2385	As a consumer, you may bring any judicial proceedings relating to the Payments T
	>	erms of Use and these additional Payments Terms for Payment Services provided by		>	erms of Use and
	>	eCUK before the competent court of either your place of residence or eCUK's pla
	>	ce of business in the United
	1484	Kingdom. If eCUK wishes to enforce any of its rights against you as a consumer,		2386	these additional Payments Terms for Payment Services provided by eCUK before th
	>	we may do so only in the courts of the jurisdiction in which you are a resident		>	e competent court
	>	. If you are acting as a business seller, you agree to submit to the exclusive j
	>	urisdiction of the English courts.
				2387	of either your place of residence or eCUK's place of business in the United
				2388	Kingdom. If eCUK wishes to enforce any of its rights against you as a consumer,
				>	we may do so only
				2389	in the courts of the jurisdiction in which you are a resident. If you are actin
				>	g as a business
				2390	seller, you agree to submit to the exclusive jurisdiction of the English courts
				>	.
	1485			2391
	1486	## Previous version		2392	## Previous version
	1487			2393
	1488	- Previous Payments Terms of Use		2394	- Previous Payments Terms of Use
t			t	2395	- Previous
	1489	- Previous Payments Terms of Use - Download PDF		2396	Payments Terms of Use - Download PDF

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