How to Buy on eBay Without PayPal

Updated on January 4, 2018

Fortunately for you there is a way you can buy items on eBay without using PayPal, this method enables you to pay with your credit/debit card through the 'eBay guest checkout'. Virtually all of the eBay sellers accept credit/debit cards and your purchase will be covered by the eBay Money Back Guarantee.

Just Follow the procedure stated below and you must be able to carry out a seamless and secure transaction.

Look for this in the payment details section of your product. Where ever this is displayed, this process will work.
Look for this in the payment details section of your product. Where ever this is displayed, this process will work.

Step #1

  • Clear you browser's history, cookies and everything else, better go with a fresh installation for example if you have been using Firefox you can install Chrome to work with this procedure (this is recommended).
  • Actually what you need is a fresh browser with which you have not signed in to any Paypal account before, that explains why clearing the cookies is required.
  • Now go to, select your product in the normal way, click 'Buy it now' and proceed to the checkout.
  • You will find an option to continue as a guest (Refer to the images below).
  • If 'Register' appears in place of 'Continue as guest' you can register for a new ebay account and then move on to Step #3. Do not associate a Paypal account with this ebay account.

Step # 1
Step # 1

Step #2

  • Select continue as a guest and enter you shipping details.

Step #2
Step #2

Step #3

  • Next You will be asked to select a Payment option, here you have to select the Visa or MasterCard option.

Note: You will not be able to find this option in the checkout if you have used any Paypal account with the ebay account you are trying to use for this purchase. It will only appear if your current ebay account is completely oblivious of any Paypal.

Step # 3
Step # 3

Step #4

  • Enter your Credit/Debit Card details here.
  • Scroll down and click Pay Now. You are done!
  • You will be forced to signup to Paypal in order to complete your purchase and Paypal will receive your credit card information however once the purchase is complete delete that Paypal account so that you can reuse your email address and ebay account for another purchase.
  • There is no other legit way to pay on ebay with credit cards other then this so you have no alternative other then to follow this if you want your purchase to be covered by the money back guarantee.

Step # 4
Step # 4
  • You will have to clear your cookies again for another purchase.

Were you able to make a successful purchase on Ebay following this?

See results


eBay has now officially allowed a third party payment gateway to accept credit cards for its sellers and some sellers have started accepting credit / debit cards directly through this gateway.

If your seller accepts credit cards directly you will see this in the payment details section in place of the usual Paypal logo.

If you go on to make a purchase with these sellers you will be taken to a page to enter credit card details. As you can note the url in screenshot, it is an authentic checkout page from eBay.

eBay is now directly accepting credit / debit cards.
eBay is now directly accepting credit / debit cards.

This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.

Questions & Answers

    © 2014 StormsHalted


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      • profile image


        2 months ago

        Hi PiskSix,

        Your card will be linked to a Paypal account after you complete your purchase, hence the fact that the card can be only used once.

      • profile image


        2 months ago

        This article is not fully accurate;

        You can only use a credit or debit card, providing the card is linked in your PayPal account.

        Although eBay is very quiet about it, all the payments are validated by PayPal in the background.

        If you attempt to use a payment media which does not exist in your PayPal account, the transaction will fail.

        The error message was in my case:

        -Sorry, can't process your payment. Here are your options:

        -use a different credit or debit card

        -pay with your PayPal account

        After calling my Credit Card company, Ebay, and PayPal, I ascertained that, to complete a transaction directly on Ebay entering a Credit or Debit card in the Check Out page, the card you want to use must be linked in your PayPal account.

        As far as I can tell, the two companies that supposedly cut ties are still pretty much intertwined.

      • profile image


        11 months ago

        Hi I have been buying on e bay for some months now but i wanted to pay for a purchase of about 280 dollars and the payment is not going through. I was told i needed to verify my paypal card and this will take time. I have tried using the debit card option to pay but not successful. What can i do?

      • profile image

        Aamir khan 

        13 months ago

        Hi i am from karachi can i selling on ebay without paypal

      • alikhan3 profile imageAUTHOR


        14 months ago from Karachi, Pakistan

        I suspect you won't be able to use guest checkout with previously blocked cards.

      • profile image


        14 months ago

        I was just suspended from Paypal, with all my cards linked, this rendered my eBay also useless since I can no longer pay using any of these flagged cards. Should I use guest check out?

      • profile image


        21 months ago

        Yes, all went well without PayPal account. Thanks Ali for update!

      • alikhan3 profile imageAUTHOR


        22 months ago from Karachi, Pakistan

        Your purchase is still covered by the eBay money back guarantee.

      • profile image

        Karen Asson 

        22 months ago

        I have been using eBay for over a year now and have been satisfied up until the last 4 purchases which I have had to return the items and this last one has put the money in to PayPal account and I don't have one what can I do please

      • alikhan3 profile imageAUTHOR


        23 months ago from Karachi, Pakistan

        It will not work again.

      • profile image


        23 months ago

        Thank you. Just wanted to buy something without open an paypal account and it works perfect. Now I hope I will receive the stuff.

        Now if I use the same card and my oder email address will work again?

      • profile image


        2 years ago

        I just learned last night after winning an auction on eBay that I cannot use my Visa debit card anymore to make a payment. I have a 100% feedback rating as a buyer & had made over 20 purchases in 2017, the last purchase from 3 days ago using the same debit card to make a payment & now eBay tells me I had exceeded my debit card usage (?) & now it is blocked & the only way to make a payment is to sign up for a PayPal account which I refuse to do because of a screw up they did to me which took 10 years to resolve. Is my Visa debit card US$ inferior to a PayPal version?

      • profile image


        2 years ago

        Thanks. Paypal recently restricted my account and this really helped.

      • profile image

        James Montgomery 

        2 years ago

        Following your suggestions step by step, I was able to make my purchase successfully, with no PayPal hostage taking attempt. Cleared history, cache, cookies, et all in my Chrome browser and it sailed right thru, paying with my normal Visa card.

        Many thanks Storm, your tip was the best one I've seen yet this year regarding eBay. Instead of an 'Attaboy', as a tugboat Captain, I offer you "Yeoman's job, 'mate!".

      • profile image


        2 years ago

        Paypal are a bunch of crooks. Buyers are not safe at all when purchasing through them. I refuse to use them anymore. Thank you for this guide, worked great so far on my first purchase.

      • profile image


        2 years ago

        I have a Paypal account and am currently having a problem with my information being comprimised and have had to open a Fraud complaint. I appreciate the information about buying on Ebay without using Paypal. Thanks!!

      • profile image


        2 years ago

        I've done all the things you listed but I think it is not working anymore :(

      • profile image

        Rick russell 

        2 years ago

        Ebay supports the sellers complaints about buyers.....until the buyer files a dispute( lieing )about not receiving a package..... wanting money then ebay supports the buyer... Huh!

        Ebay is very messed up liberal capitalist.

        I was blocked only for emails to sellers..requesting proper descriptions.

        So stupid.

        So now i need to drop my account and buy as guest.

      • profile image


        3 years ago


        Is there a reason why i had two invoices, one to ebay and one to the seller when i made a purchase?

      • alikhan3 profile imageAUTHOR


        3 years ago from Karachi, Pakistan

        You will need to refresh the cookies as well, sometimes when installing a new browser cookies are imported from the previous one. Try on a different browser e.g if you used Chrome before, use Firefox now. Do tell me if it works or not.

      • profile image


        3 years ago

        How often can one buy as a guest? I tried to do a 2nd purchase in a freshly installed browser and it denied me, I even used a credit card that has never been used in eBay or PayPal before...

      • profile image


        3 years ago

        Worked for me, only once though...

      • profile image

        Ida Sessions 

        3 years ago

        In the US, PayPal only allows guest payments for a limited number of transactions. It doesn't matter whether you use another CC; at checkout, PayPal states that "the transaction cannot be completed with this payment method. Please try another." A PayPal database no doubt stores our names as a way to encourage us to open an account. Clever them.

        I now use Square instead. So far transactions through Square have been seamless.

      • profile image


        3 years ago

        Wow, whatta nice guide! made me shocked! thanks again.

      • ladyguitarpicker profile image

        stella vadakin 

        4 years ago from 3460NW 50 St Bell, Fl32619

        It worked great for me when I did not have a paypal account.

      • alikhan3 profile imageAUTHOR


        4 years ago from Karachi, Pakistan

        Paypal is not known to process plastic cards or VCCs from Pakistan. Chances are that you will run into trouble, that's the reason I have kept my own credit cards away from eBay (that goes for local banks only).

        I have written a separate article concerning Pakistan and eBay however.

      • profile image


        4 years ago

        Dude there is no option for Pakistan in the drop box. And I have a UBL INTERNET VISA can I use that for purchases?

      • alikhan3 profile imageAUTHOR


        4 years ago from Karachi, Pakistan

        Then ..... negotiate with the seller ...... about countless other ways outside ebay ...... I have gone as far as asking the seller to enter his paypal into my hubpages a/c so he could directly receive a payment in his paypal.

      • peachpurple profile image


        4 years ago from Home Sweet Home

        what if i don't have paypal and credit card or debit card? Pay cash?


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