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Do eBay actually take the micro deposits out of your account?
 

Hi everyone,

Do eBay actually take the micro deposits out of your account? I’m using a Santander bank account not savings account. Real name and date of birth address different.

Another account I used Lloyds bank not savings account deposits added 9/06/22 14/06/22 no deposits were taken out this account got suspended today.

Appreciate your replies.

Re: Do eBay actually take the micro deposits out of your account?
 

They do take micro deposits out via MP system - for your savings account, the deposits were not taken....possibly your account was set to direct deposit ONLY with no chance of withdrawal

Re: Do eBay actually take the micro deposits out of your account?
 

Yeah I just looked at my bank and eBay were on the direct debits so maybe it just takes a while until they take the deposits out? Unfortunately I ended up losing that account.

Re: Do eBay actually take the micro deposits out of your account?
 

That delay may have caused MP to suspend your account - or was it on the eb side, the suspension only?

Re: Do eBay actually take the micro deposits out of your account?
 

I personally think the suspension was down to address not being a verified address and listing a high risk item first.

On my other account they have set direct debits on my Santander current account but I’m not sure if they actually take deposits out or not?

Re: Do eBay actually take the micro deposits out of your account?
 

I think not able to get microdeps has nothing to do with the suspension. I added lots of banks that do not support DD and it was all fine. I also added one bank that was MM, and when requests to take microdeposits came, I rejected them. Also no problems.

Re: Do eBay actually take the micro deposits out of your account?
 

They will do if they can - but not always. A lot of the time it comes down to the bank rejecting the DD as far as I can tell but also doesnt seem to have a direct effect on accounts

Re: Do eBay actually take the micro deposits out of your account?
 

Thanks for your replies really appreciate it. I understand they verify you from the moment you create a sellers account. If I use real address which is not my own address how can eBay verify you?

Re: Do eBay actually take the micro deposits out of your account?
 

If banks are rejecting DD's how do ebay plan on recovering refunds and any monies owed?

I can't see them saying 'the DD was rejected, that's fine'.

Am I missing something?

Re: Do eBay actually take the micro deposits out of your account?
 

Most of my accounts just got a request to add a cc for covering selling fees.

Re: Do eBay actually take the micro deposits out of your account?
 

And when neither are valid, they resort to collection agency.

Re: Do eBay actually take the micro deposits out of your account?
 

I don’t understand that they say after 3 days they will take the deposits out maybe 5 days then your be verified but all I see on my Santander bank is direct debit is set up but no deposits taken out.

And how can they verify you from when create a sellers account if you give a real address which is not yours? I understand if it’s not a valid address but if it’s real and you don’t live their how can they verify you?

Re: Do eBay actually take the micro deposits out of your account?
 

It looks like eBay verify you in 2 different ways but both ways

1 is your identity and 2 is your bank details.

If they can’t verify my identity using an address I don’t live at but is a real verified address then stealth is officially dead IMO

But going back to what you said Muzzie potentially I could create an account in my brothers name using his address date of birth so identity will be confirmed and then use my own bank account so if eBay take deposits out of my account I can just cancel the DD so they won’t see the name if that works then stealth is not dead

I did a test on my Lloyds bank yesterday I sent 1p to my bank of Scotland bank but used my brothers name and the penny still went through and on my Lloyds bank it says 1p paid to my brothers name but is my bank account.

I don’t want to have to do this tho so I’m hoping any real address can be used as long as it wasn’t suspended before

Re: Do eBay actually take the micro deposits out of your account?
 

Unlikely they'd even allow the account to operate if you couldn't register for MP wouldn't you say? :noidea:

Re: Do eBay actually take the micro deposits out of your account?
 

:thumb:. That's interesting. Thanks for that. Might give it a try-out.

Re: Do eBay actually take the micro deposits out of your account?
 

It has been fine for us. All bank accounts attached to our eBay account are strictly savings (without DD) and they don't seem to care. Everything's been fine for ages with no deposit reversed.



I could be wrong but my guess is they probably assume they know where to find you if you've passed their 'other checks'

Re: Do eBay actually take the micro deposits out of your account?
 

I can’t seem to pass an account with my real name and verified address which isn’t mine. But it just shows that eBay have been trying to scare us all but clever people on this forum have figured it out.

Looks like we can create real accounts in family member/friend we know which will be instantly verified and just use our own bank.

Re: Do eBay actually take the micro deposits out of your account?
 

eBay in your brother's name, saver to stop DD and revolut to issue refunds.

Re: Do eBay actually take the micro deposits out of your account?
 

Are you adding a credit card like Muzzie suggested because your experience doesn't seem to mirror normal ebay policy which says a payment method MUST be on file and the experiences expressed here and on their own forums.
Consider yourself lucky because there's absolutely no way they'll be applying the 'we know where you live' angle. :)

Re: Do eBay actually take the micro deposits out of your account?
 

Is it important to list an item and add your bank details straight away? 2 times I have listed my items up on 2 different accounts without adding bank details and both accounts have been suspended after 30 minutes.

Re: Do eBay actually take the micro deposits out of your account?
 

If it's happening within 30 minutes it's got nothing to do with you not immediately adding a bank account because they'll simply withhold any payouts until you do if, say, you make a quick sale.

Re: Do eBay actually take the micro deposits out of your account?
 

Perfect I will give it a try and it’s okay to list up straight away or wait 7 days etc also is it a must to list with savers account registered when listing up. 2 of mine have gone down without listing with bank account.

Re: Do eBay actually take the micro deposits out of your account?
 

What do you think the issue could be I use mobile hotspot from my phone to laptop is that an issue maybe?

Re: Do eBay actually take the micro deposits out of your account?
 

Allow your accounts to age before listing anything.
When you register your account, simulate adding a bank account and stop short of completing the process so you can see your listing limits.
You can have listings running without a bank account attached.

I don't suppose the suspension was due to the lack of bank accounts. You can repeat the same process and add bank accounts and yet get the same suspension.

If the details are correct, you should get past that initial suspension easily. Submit original ID. Utilities and statements are mostly PDF these days, and a free copy of PDF-Xchange Editor is your friend.


You can always talk your way out of providing any invoices if you list something that wouldn't need it. Think of a homemade crocheted item for example.

Re: Do eBay actually take the micro deposits out of your account?
 

Thanks for this info I think last 2 suspended probably because I changed name on accounts I browsed first few days but no browsing for like 4 days so probably suspended because of that.

If I create an account in a friend example Daniel marshall but my name is Ian delter example can you still add your bank and it will be okay?

Re: Do eBay actually take the micro deposits out of your account?
 

No, I don't add any credit cards and have never used a current account either.
I've only employed revolut disposable cards for refunds and they self-destruct after a charge but eBay doesn't know so it sits on the account until another refund is due.
Our payouts are set to daily and these come out early. Sometimes it leaves us without recourse to refund so we just slap another disposable card on it and that's it.

Re: Do eBay actually take the micro deposits out of your account?
 

I've changed names (and addresses) many a time just before adding bank accounts and all went well.
In these cases addresses are changed to match existing address.


That's 100% OK. In short, it's the standard.
Just ditch current accounts and use savers so no dd comes out but most importantly no recurrent visible footprints on your credit files and much less ML and security checks as you're only moving funds to yourself.

Re: Do eBay actually take the micro deposits out of your account?
 

Thanks I love this learn something new every day starting to feel more hopeful again lol

I know why the other 2 got suspended I didn’t add address so I was browsing for a week without an account actually open so when I put details in and then created seller account bang account lost.

I’ll be creating more accounts tomorrow and I’ll be using your method now see if it works for me.

Re: Do eBay actually take the micro deposits out of your account?
 

One more question will a real name and a real address still work which is not your own address?

Re: Do eBay actually take the micro deposits out of your account?
 

Yep. Agreed to that too

Re: Do eBay actually take the micro deposits out of your account?
 

I always skip adding bank until I’ve made my first sale, if you verify that bank and your account gets suspended that bank can no longer be used.

You’re getting suspended/restricted after 30 min because your creation method to eBay looks like a spam/fraud account

Re: Do eBay actually take the micro deposits out of your account?
 

That wouldn't really be stealth - kind of ID theft tbh

Re: Do eBay actually take the micro deposits out of your account?
 

It’s advised in the old stealth guide and the new stealth guide you can use a real address optional but it’s not advised because if you have returns you can’t send the item back

Re: Do eBay actually take the micro deposits out of your account?
 

That's true - I guess I had misread that when you said "real name", I was thinking you meant someone else's...