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How To Split Payments On eBay (Explained!)

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If you’re an eBay buyer who wants to make a purchase and want to utilize more than one payment method, you may be wondering how to split payments on eBay. This can be a tricky process, but it’s definitely doable.

This is a great way to pay for an item if you don’t have all the money in one payment source, or if you want to use your unused Gift card or PayPal balance for a purchase.

Splitting payments can be a great way to make big purchases more manageable or to simply divvy up the cost of an item between 2 payment methods.

For example, you could use your PayPal balance and debit card together to make a purchase.

No matter your reason for wanting to split payments on eBay, I’ll show you how it’s done.

How Does eBay Split Payment Works?

If you’re new to eBay, you may be wondering what splitting payment means.

When you split payment on eBay, you’re essentially paying for your purchase using two different payment methods.

How To Split Payments On eBay

For example, you might use your PayPal balance and your credit card/debit card to pay for the item itself.

How To Split Payments On eBay (3 Methods)

Here are the 4 methods that you can use to split payments on eBay.

1. Using Paypal Balance & Credit/Debit Card

So let’s say you wanna buy something that costs more money than you actually have in your PayPal account.

Paypal and credit or debit card

No worries, you can still make the purchase! Just use whatever money you do have in your PayPal balance, and then PayPal will let you add a credit card or debit card to cover the rest.

It’s like if you’re going out to eat with friends and the bill is $50, but you only have $20 cash on you. You can put the $20 cash toward the bill and then throw a card down to cover the remaining $30. Same idea with PayPal.

To use this split payment option, simply select the PayPal option at checkout when paying for your item.

You will be asked to enter your PayPal information first, and then you can select the card you would like to use for the remainder of the purchase.

Keep in mind that not all sellers accept PayPal, so this trick will only work if the seller is accepting PayPal.

Also Read: Can You Sell On eBay Without PayPal (Explained!!)

2. Using Gift Card Balance & Credit/Debit Card

If you’re like most people, you probably have an eBay gift card or two sitting around that you never got around to using.

And if you’re an eBay user, you might be wondering if you can use that gift card balance to pay for your eBay purchases.

Paypal and credit or debit card 1

Luckily, eBay allows you to pay for your purchase using both your gift card balance and credit or debit card at the same time.

This is a great way to get the most out of your gift card while still being able to use another form of payment for the remaining balance.

Here’s how it works: when you’re ready to checkout, enter your Gift Card in the Gift Card section and the equivalent amount will be discounted from your purchase and you can pay the rest of the amount using other payment methods like credit/debit card or PayPal.

For eg. if your final bill is $100 and you apply a $40 gift card to your purchase, $40 will be deducted from your final bill and you will only pay $60.

So next time you’re making a purchase on eBay, be sure to take advantage of this unique payment option and use up those gift card balances for your purchase!

3. Splitting Payment Between 2 Cards

Yes, according to eBay itself, you can split the payment for your purchase between 2 eligible debit or credit cards but only if you are making a purchase of $500 or more.

Splitting Between 2 Cards

It’s super easy to do :

  • Toggle the “Split Payment” option during checkout
  • Choose your first card and enter the amount to charge it
  • eBay will charge the rest to your second card
  • Double check the amounts are correct
  • Confirm your shipping address
  • Select Confirm and Pay

The only catch is that you need to already have both cards saved in your eBay account.

If you need to add a new one, no problem – just enter the card number when you get to checkout.

Keep in mind this split payment feature only works with debit and credit cards. PayPal, Apple Pay, and Google Pay payments can’t be divided between two sources. And it’s only for purchases in US dollars.

Also Read: How To Sell & Ship Video Games On eBay (Full Guide!)

4. Manually Asking The Seller (Could be Risky)

This is a way that I will never recommend to any one of you but I have seen people doing this so I am just mentioning it over here.

You can reach out to the seller and ask them whether he can accept payment outside eBay for the item.

Manually Asking The Seller

You can explain to him about your condition, that you do not have all the payment in one bank account or card so you will send them the payment in parts using multiple payment methods.

If he agrees, you can send him the payment using any payment method you want, you can be more flexible and send the payments from different sources.

Once he gets all the payment, he will then ship the item to your address.

However, there are some risks involved with this method that you should be aware of before proceeding.

For one, paying outside of eBay opens you up to potential scams. If the seller is not legitimate, they could easily take your money and never send you the item you purchased.

Additionally, even if the seller is legitimate, and you got the product delivered, you can never return it in case if you don’t like the item or the item is not as described.

If something does happen, eBay will not be able to help you since you completed the sale outside of their platform.

So, while it is possible to split your payment for an eBay purchase by manually asking the seller, there are some risks involved that you should be aware of before proceeding.

Also Read: How Does eBay Money Back Guarantee Work? (Why I Hate It!!)

FAQs on How To Split Payment on eBay

Here are some frequently asked questions on how you can split payment on eBay

Can you split payments on eBay?

If you’re wondering whether you can split payments on eBay, the answer is yes. You can use your PayPal balance or a credit or debit card to use two separate payment methods for one item.
This is a great way to pay for an item if you don’t have the full amount in your PayPal balance.
You can also use your Gift Card balance and your card together to pay for your purchase.

Can You Pay For Multiple Items at Once On eBay?

Yes, you can pay for multiple items present in your basket even if they are from different sellers.
But you won’t be able to pay for the items at once if:
– Sellers don’t accept the same payment method
– Items are listed in different currencies
– The seller hasn’t specified shipping costs


In conclusion, splitting payments on eBay is a great way to pay for an item using multiple payment sources.

Officially you can use the first 2 methods to split the payments between your Paypal balance and your cards or your Gift Card Balance and your cards.

But, If you are using the third method discussed here, remember to communicate with your buyer beforehand to establish a clear understanding and avoid any confusion.

Make sure you check their reviews before paying them outside of eBay as this could be risky.

With a little bit of preparation and following the steps outlined in this article, you will be able to successfully split payments on eBay and avoid any potential problems.

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