How to Accept Payments on eBay Without PayPal

1. Set up your own merchant account. A merchant account is a business bank account that allows you to process credit card payments securely online through your own third-party interface. This is one of the allowed alternative methods of payment acceptance on eBay. Contact the bank through which you have a business or personal bank account and inquire about the types of merchant account programs they offer. Shop around if the initial offer isn't to your liking. Avoid exorbitant setup fees by comparing offers from various reputable banks and online merchant-account providers. Ensure that your merchant account provides an online interface for your customers to pay for eBay transactions, as well as for you to keep records of your transactions and shipments.
2. Accept cash on delivery, or c.o.d. If you have a local warehouse or storefront, or you're willing to allow customers to come to your home or place of business to pick up the merchandise, eBay allows you to accept cash in exchange for goods handed over in person. You can also accept c.o.d. if you're willing to deliver the merchandise to the customer's home or place of business. Factor in the cost of in-person delivery into your final auction price.
3. Register for one of the alternative online payment-transaction services eBay is willing to accept aside from PayPal. These services include ProPay, Moneybookers and Paymate. All of these services work similarly to PayPal. Customers can fund the payment with their bank accounts or credit cards, and merchants transfer the funds into their own bank accounts. Compare the fee structures, services for online auctions and terms of service for each company to determine which one may be right for you.