Selling on eBay without PayPal?
I've definitely seen a similar conversation about this, I personally don't buy from eBay (Amazon for me). So I turned to the internet to see what I could find to offer you any additional information (albeit not my personal experience).  I first read this article: CodeNerdz Article and was pretty horrified by the scamming that can happen by buyers. Then, this article by another regular user of eBay, Selling on eBay without PayPal : eBay Guides confirmed the trouble people have with PayPal & eBay. Payment Services permitted on eBay: Allpay.net, Canadian Tire Money, cash2india, CertaPay, Checkfree.com, hyperwallet.com, Moneybookers.com, Nochex.com, Ozpay.biz, Paymate.com.au, Propay.com, XOOM Have you looked into any or all of these? "One option might be to set up a separate bank account and a separate credit card account, which you would use only for your ebay transactions.  I have a friend who does a lot of selling on ebay, and this is exactly what she did.   It's reasonable to want to protect your personal finances from any complications that might arise with PayPal and/or ebay.  But since you definitely have to provide a bank account and c.c. number (there's no way around this), the best solution might be to set up separate ""ebay-only"" accounts.  And be sure not to link them to any of your personal accounts, for added protection. If you're planning to do a lot of selling, this is probably a good idea anyway just for record-keeping purposes. If you do a lot of selling on ebay, you might consider setting up a ""merchant account"". There are some limitations on international transactions (currently you can't sell to residents of UK, Australia, or France), and payment processing is a few days slower. But there seem to be fewer fees/risks/etc associated with a  merchant account. I don't know much more about it, but here's an article from an ebay seller, including pros and cons of PayPal vs. merchant accounts. http://www.ebay.com/gds/Selling-on-eBay-without-PayPal/10000000021351301/g.html" Dwolla looks to be a great option. But it requires users to have an account there (Free to sign up). And there rates are absolutely amazing.  Free for transactions under $10 $0.25 to receive money on transactions over $10 "It's been a short while since I sold on eBay, but I had a feedback rating of about 4,500 so I've done a lot of transactions. The trump card is, and always will be, the buyer's ability to contact their credit card company and reverse the charges.  PayPal has no policy to stop this even though they claim to ""vigorously defend Sellers from chargebacks"" on their website.  You will lose this case 100% of the time.  I don't see how that will change if you have your own terminal.  The Buyer can still reverse the charges.  Since you know the card number maybe you can contact his credit card company but it's probably not going to do much. I've found PayPal is more Seller friendly in terms of PayPal claims.  For example, the customer has a duty to pay postage to return the product and that's a cost for him.  You also have things like online tracking which shows delivery and PayPal has an IP log to see where the payments are coming from.  That helped me when a buyer claimed that someone else made the payment.  Because people often break into someone's house and make PayPal payments for them....heh. You really just need to use PayPal.  You'll get more customers and better prices and it will offset the losses from scammers.  Also, about 99% of buyers are honest people.  Consider the scammers a cost of doing business and keep making money off of the good Buyers.  If you're just pissed off that people actually scammed you, get over it.  Don't cut off your nose to spite your face.  It's just part of doing business on eBay." I think you need to have paypal for eBay selling, just for one reason: people will avoid buying from you if they can't pay by paypal. It decreases significantly your selling.
First off... If you provide good service than you shouldn't worry... Since you are providing a service and your customers send payment to your PayPal, if there is no dispute made within 90 days, the customer cannot dispute further.  However if it is disputed within 90 days than you may run into some trouble. But it may be in your favor if PayPal finds no signs of fraud and since it's a service payment, PayPal cannot really track it compared to if your customers paid you for a product which can be disputed up to 180 Days?? I may be wrong on that one.  However if it does get disputed and PayPal favors your clients than you have to pay it back one way or another. You may want to ask your customers or put yourself a description of the service and terms in the invoice. It may help resolve future disputes. I know this because I have called PayPal customer service and ask which I suggest you do too. Actually, Amazon is a market place where even you can open a store and sell things faster, easier, and cheaper than opening a brick and mortar store.   ... until last week when they made a new rule that independent stores must have the same standards as sales by amazon. Which means returns for anything, full credit for returns, etc.   So like the story with eBay which became hostile towards the small entrepreneur.    So amazon had a bigger competitor once, eBay, and eBay managed to lose the competition. In order to do this, you would need to purchase an Amazon gift card from another online vendor that accepts PayPal and then use the Amazon gift card on the Amazon site. There are dozens (if not hundreds) of sites that sell Amazon gift cards online that accept PayPal. Opening Bank Account in US without physically being present is difficult. I'm having number of clients in USA to pay for my work, but I’m really confused to get money from my clients to my saving bank account. You can get money via PayPal or if they are repeat customers, ask them to send via remittance services like Money2India or Remit2India etc. Yes, but PayPal has limits. Depending on your annual transactions you might have a $$ limit each year unless you agree to tie to a bank account. In my case, I set up another checking account to link to, and keep a small amount there. Less than $200. I've used PayPal for my business for a long time. Sometimes PayPal doesn't trust credit cards. Debit or direct bank transfer are reliable. There is also a charge for using a credit card but I don't think that is the reason. You may be trying to purchase a high value item. That would be a possible reason why PayPal allowed you to use credit cards in the past, but will not allow you to do so now, for these particular transactions. The answer to this question can be found in the related question  Is there any online personal finance software without online banking? I have sold cars before to individuals and always just received cash.  I would think as long as the amount is less than $10,000.00 and the buyer is serious they will get there with the cash.  Of course there is no possible way to guarantee the cash will not be counterfeit.