What should I do if a seller asks me to pay outside the platform?

Updated October 2026 · How we answer

Why paying outside is risky

When you pay through a platform like eBay, Etsy, or Facebook Marketplace, you're covered by their buyer protection policies. These policies can help you get a refund if the item never arrives or isn't as described. If you pay outside, you lose that protection.

Sellers who ask for off-platform payment are often trying to avoid fees or scam you. Once you send money via wire transfer, gift card, or cryptocurrency, it's nearly impossible to recover.

• No buyer protection or refund eligibility
• No recourse if item is fake or damaged
• Platform may not help resolve disputes
• Seller might be violating platform rules

What to do instead

Politely decline and insist on paying through the platform's checkout. If the seller pressures you or offers a discount for off-platform payment, that's a red flag. Report the conversation to the platform immediately.

If you already paid outside, contact your payment provider right away. If you used a credit card, you may be able to dispute the charge. For wire transfers or gift cards, recovery is unlikely.

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