eBay · eBay User Agreement · View original document ↗

Funds Hold and Restricted Funds

High severity Unique · 0 of 343 platforms
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Recent governance activity eBay recorded 2 documented changes in the last 30 days.
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Document Record

What it is

eBay can hold or restrict access to your funds at its discretion based on account activity, disputes, or risk assessments.

This analysis describes what eBay's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

The clause establishes the operational basis for eBay to implement fund holds and restrictions on seller accounts. The specific restrictions and conditions governing when funds may be held are detailed in the referenced Payments Terms of Use, which operates as a separate binding document.

Recent Activity

This document changed recently

Medium May 27, 2026

The updated User Agreement incorporates additional policies and terms that were previously referenced separately, making them contractually binding conditions of service use. The agreement now explicitly states that continued use constitutes acceptance of all incorporated policies and additional terms posted on eBay's sites and applications. The updated language emphasizes that disputes are resolved through binding arbitration unless the user opts out according to section 19.B.9, and contains a waiver of class action rights. You can review which eBay entity contracts with you based on your jurisdiction (eBay Inc. for US, eBay UK Limited for UK, eBay GmbH for EU, and others listed) and locate the opt-out mechanism for arbitration in section 19.B.9 of the full agreement.

View change record →

Clause Stability Stable

0
Changes
3
Months Monitored
Apr 3, 2026
First Seen
Apr 17, 2026
Last Seen
This clause type exists across 27 other provisions on other platforms.

Consumer impact (what this means for users)

This provision gives eBay significant unilateral power to restrict sellers' access to their own money, potentially without immediate explanation or recourse, posing a material financial risk to sellers.

What you can do

⚠️ These actions may provide transparency or partial mitigation but may not fully address the underlying issue. Effectiveness varies by jurisdiction and individual circumstances.
  • Dispute a Fee
    If your funds are held, contact eBay customer support through the Help Center and request a review of the hold, providing documentation of your transactions and account activity.

How other platforms handle this

YouTube High

Brands rely on us to protect their business interests when they're advertising on YouTube. To help support this, we have a set of Ad-Friendly guidelines creators in the YouTube Partner Program (YPP) need to follow in order to have Ads served on their channel content and earn a share of the revenue.

Meta High

If the products or services you, or your affiliates, provide to end users, in connection with Llama 3, have monthly active users in excess of 700 million users in the prior calendar month, you must request a license from Meta, which Meta may grant to you in its sole discretion, and you may not exerc...

YouTube Ads High

By providing Content to the Service, you grant to YouTube a worldwide, non-exclusive, royalty-free, sublicensable and transferable license to use that Content (including to reproduce, distribute, prepare derivative works, display and perform it) in connection with the Service and YouTube's (and its ...

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▸ View Original Clause Language DOCUMENT RECORD
"
To protect eBay from risk of liability for your actions as a seller, eBay Payments Entities (as defined below) may restrict access to your funds as described in the Payments Terms of Use.

— Excerpt from eBay's eBay User Agreement

ConductAtlas Analysis

Institutional analysis (Compliance & governance intelligence)

Funds hold provisions in marketplace payment services may engage payment services regulations, including the EU Payment Services Directive (PSD2) for EU users and applicable US state money transmission laws. Compliance teams should assess whether holds are adequately disclosed and procedurally fair.

Full compliance analysis

Regulatory citations, enforcement risk, and due diligence action items.

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Applicable agencies

  • CFPB
    The CFPB has jurisdiction over payment processing and financial product complaints, including disputes about held or restricted funds in marketplace payment systems.
    File a complaint →

Applicable regulations

FTC Act Section 5
United States Federal

Provision details

Document information
Document
eBay User Agreement
Entity
eBay
Document last updated
May 5, 2026
Tracking information
First tracked
March 20, 2026
Last verified
March 20, 2026
Record ID
CA-P-001355
Document ID
CA-D-00255
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
23e23b3100daba516f6e72842f03caf3344c484ae8a50a5e3e9c444fcaa57435
Analysis generated
March 20, 2026 11:29 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: eBay
Document: eBay User Agreement
Record ID: CA-P-001355
Captured: 2026-03-20 11:29:32 UTC
SHA-256: 23e23b3100daba51…
URL: https://conductatlas.com/platform/ebay/ebay-user-agreement/funds-hold-and-restricted-funds/
Accessed: July 4, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does eBay's Funds Hold and Restricted Funds clause do?

The clause establishes the operational basis for eBay to implement fund holds and restrictions on seller accounts. The specific restrictions and conditions governing when funds may be held are detailed in the referenced Payments Terms of Use, which operates as a separate binding document.

How does this clause affect you?

This provision gives eBay significant unilateral power to restrict sellers' access to their own money, potentially without immediate explanation or recourse, posing a material financial risk to sellers.

Is ConductAtlas affiliated with eBay?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by eBay.