Can you Have Multiple eBay & PayPal Accounts?

March 11, 2013 by Andrew Minalto - 425 Comments
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Hi Andrew,

I have a dilemma about multiple eBay and PayPal accounts. Wherever I go (forums/blogs) I get mixed responses and it’s still not clear to me what I can or can’t do.

Ideally I would love to work in 3 separate niches on eBay and use separate accounts for each – so that I can have a dedicated shop and template for each niche. Can this be done? Or do I risk losing my accounts if eBay finds out?

Your advice would be highly appreciated.


Hi Nicola,

This question frequently comes up and for some reason, people are still confused. It’s probably because for years eBay and PayPal were very unclear about the exact rules governing multiple accounts. But nowadays, in 2013, it’s actually all very simple and straightforward.

Multiple eBay Accounts

On eBay you can have as many accounts as you want. eBay itself confirms this on the Help Page here. All you need to open a new eBay account is a separate email address. You can safely use the same name, address and contact information. All you need is a separate e-mail account.

Why would you need 2 or more eBay accounts? There are several possible reasons:

1) To sell in multiple niches.

2) To keep private sales and purchases separate from business transactions.

3) To use one account for buying and another one for selling when working with a used goods concept.

These are the most typical situations where you would need to have multiple eBay accounts and eBay is totally cool with that.

What you should be aware of though, is that all these accounts will be interlinked by eBay and that’s bad news. In practice this means that if one of your accounts get suspended/banned, the others will be closed shortly afterwards because from eBay’s point of view you will have become too much of a risk as a seller.

But these “hard bans” usually only happen when you breach eBay’s selling policies – like selling counterfeit or prohibited items. Another highly risky situation is if you use a dropshipper who lets you down, forcing you to refund dozens of sales which leads to loads of negative feedback (just another reason why I’m not a huge fan of dropshipping).

Can you use the same PayPal account for all these multiple eBay accounts? Yes, you can! You don’t have to even create new emails for each; you can use the same PayPal payment email for all your eBay accounts.

Multiple PayPal Accounts

What if you need multiple PayPal accounts too? Is it allowed? Yes, it is!

Under PayPal’s general Terms & Conditions you can have 2 accounts:

1 personal account
1 business account

But this comes with a note that you can have multiple business accounts upon approval/manual request. Now, don’t waste your time trying to find a special form or button on the PayPal website to request permission to open multiple PayPal accounts. There’s no such thing.

What you do is simply contact PayPal (from your existing account) when you plan to open a new PayPal business account and ask them if it’s ok to do so. I have done this many times and the answer always comes back POSITIVE in less than 24 hours.

You can of course open a new account without asking PayPal but that would be a breach of their T&Cs. It’s better just to contact them and get their approval to open another business account to avoid any nasty surprises later on (this hasn’t happened to me, but they may not let you open another account if your current account is in bad standing).

But remember, opening a new business account means that you’re opening it for a completely new business, not just an eBay account. For this, you’ll need company registration documents, a company bank account and ideally a credit card, too. You won’t be able to have your PayPal account verified and the account limits lifted without these documents.

Lastly, with multiple PayPal accounts the situation is exactly same as with multiple eBay accounts – if you mess up one account, chances are that you’ll lose all the other accounts, too.

And it can go even further: as you know, PayPal is owned by eBay. What usually happens is that all your eBay and PayPal accounts are interlinked. eBay knows exactly which accounts you own by tracking your IP address, name, address and financial information. If one of your eBay accounts gets suspended, chances are that all the other eBay AND PayPal accounts will be suspended too.

Sounds scary? It is very scary indeed! That’s why you want to do everything in your power to not let this situation happen. Do not sell dodgy items or work with risky suppliers. In most cases, people who lose all their accounts make stupid, costly mistakes. There are rare occasions when totally innocent accounts get banned but they’re very few and far between.


To sum it up:

1) You can have multiple eBay accounts – as many as you want in fact, as long as you use a new email address for each account.

2) You can have ONE personal account with PayPal and multiple business accounts as long as you own multiple businesses. To stay safe and in line with PayPal’s T&Cs, contact PayPal before opening a new/additional business account.

3) Follow the rules – both eBay’s and PayPal’s – to avoid your accounts becoming suspended. If one of your accounts is banned, chances are that you’ll lose them all.


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  1. I recently opened a PayPal Business account to use with a Shopify store. However I would like to use this new PayPal account in place of my older PayPal personal account that has been attached to my Ebay account since 2005. The new PayPal account has its own separate bank account from my other PayPal account, so at the moment everything is completely separate.

    The reason I wish to do this is so I can accept credit card payments, as I understand customers do not require a PayPal account if I am using a PayPal Business account with my listings. If yes, can I simply input the email address for the Business account into my Ebay listings, or is that risky? So far I have only handled one Shopify transaction with my new PayPal Business account, and that went fine.

    Thanks Andrew,

    1. Andrew Minalto

      Hi Ian,

      Yes, you can simply switch the PayPal email you have in eBay listings.


  2. Hi, Andrew,

    Is there a link somewhere to eBay’s FULL set of rules concerning multiple personal eBay accounts? All I can find is a short page with general information.

    What I’d like to do is set up a second account, possibly under my wife’s name, so she can use eBay to assist my very elderly parents in downsizing / disposing of various items. (Mom & Dad both have quite a few items that would get pennies, if anything, at a yard sale – it is a rural area with not that much traffic – yet looking at completed listings tells us that given eBay type exposure, those items could sell nicely.)

    While it would be nice to “gain” my 100% feedback to assist with selling, our situation is such* that I also have to consider that selling incurs much higher risk of negative feedback, than does my buying… and no way do I want to “damage” my existing account, as I might want to upgrade it to a business account in the future.

    *We have kids, we both work, and we are also “tasked” with many care issues for my P’s, so I am quite worried about buyers’ feedback about shipping times, even if we clearly state that shipments may take up to 7 business days to get into the carriers’ hands.

    We “could” start off the new account with perhaps a few small purchases and several sales of inexpensive items we or my P’s don’t really need to make much money on, so buyers would have at least a little confidence in us. But the question is, if we use the same PayPal account and / or the same street address for both accounts, is eBay going to link them anyway? Or if we set up a new PayPal account for my wife, but it ties into the same credit card account currently attached to my PayPal account, and we are, again, both at the same street address (I would hope!), then, again, are we “linked” by eBay?

    Could something I’ve not thought of come into play?

    Are these questions clear as mud? 🙂


    1. Andrew Minalto

      Hi Paul,

      Thanks for your comment.

      They will link you anyway, yes.

      But I still think it’s a good idea to create a separate eBay account for this venture, yes, as I understand your worry about higher risk of getting bad feedback etc.

      I don’t think you can use same credit card for two PayPal accounts though.


  3. newbanditos

    hi, I have been selling on ebay for a while now with 100% feedback and top rated seller, but my ebay account has been suspended indefinitely due multiple selling violations but I do have another account selling under my wife with different ebay account and different PayPal account is still active/ok for now,
    I think I have reset my ip address ( bought new router and hard reset my router ) but my mailing address is still the same and we are still using the same computer,
    question is : will these 2 account will be linked by ebay?
    thank you

    1. Andrew Minalto

      Usually they’re linked, yes.

      Sometimes it happens within days, sometimes it takes few weeks.

      Or you could get lucky if course and escape the ban 🙂

    2. Any updates on your wife’s account?

  4. I was selling on Ebay since 1999, using it in the days of receiving a check/money order to avoid Paypal fees. In 2005, I finally opened a Paypal account and used it happily ever since. Recently my account was compromised and someone tried to use a credit card I am unfamiliar with through my account to purchase something in Canada. Paypal noticed the transaction and limited my account while they investigated the matter. Paypal ultimately resolved the issue and refunded my account. I mistakenly thought I was at risk of having this money taken from my bank account, but in actuality it was refunded to this credit card that I have no link to at all.

    After the issue was resolved, I was relieved, but then my Paypal account was banned and a popup message stating I can’t use Paypal anymore! I disputed this but a rep from Paypal essentially accused ME of trying to use this credit card and make this purchase. I tried to tell them this was not me, it wasn’t my card, I have no idea what was trying to be purchased but to no avail. I disputed this transaction but Paypal determined it was an “authorized” transaction. It appears I am stuck, I can’t seem to get anyone from Paypal to really look at my 12 year Paypal history which never had an international purchase and never had a transaction amount as high as this one. I have no way to prove that my account was compromised. I have sent a hand written letter request to explain their denial of my dispute with no response. I’ve gotten no e-mail explanation either. It has been over a month now. Is there any way to speak with someone within Paypal (a supervisor perhaps) that could actually listen to me and actually look into the matter? Would it be beneficial to speak with someone at Ebay or are these entities completely separate now? Any advice would be appreciated.

    1. Andrew Minalto

      Hi Aaron,

      Thanks for your comment.

      PayPal and eBay are separate companies now…

      I would recommend you keep calling PayPal once a day, maybe you get lucky and get a person who gets the situation.

      You should also check out this forum for more information, tips & advice on banned PayPal accounts:


  5. Hello Andrew! After reading this post I just got a couple questions to double check with you and see if I understood correctly. 1. You are able to create 2 seller account or more and sell on both account. 2. You are able to link for eg your personal PayPal account to both of your eBay seller account.

    3. New eBay accounts consist of limited listings n more. If I don’t contact eBay to request for upgrade of my listing capacity, would eBay eventually upgrade my listing capacity ?? If yes what would the decision be based upon ? The duration of it till it happens and lastly the increase of listing limit value. Thank you Andrew!!

    1. Andrew Minalto

      1) Yes, you can.

      2) Yes, you can.

      3) Yes, they will eventually. Don’t know exactly how long it takes now but it was 90 days +. Sorry, don’t know specific there.

  6. Hello Andrew,

    The case is as follows: I have a friend that wanted to circumvent the ebay daily deals item limit, so after he purchased the limit( lets say 5) on his account, he gave me his credit card and had me purchase another 5 on my account and had it shipped to him( obv the billing was his billing as well). So obv ebay caught on and restricted my account specifically from buying only. My mom also has an ebay account (i still live at home) and her account has no restriction( i figured that maybe since its the same household they may link the accounts and restrict hers as well). Im starting to think that the restriction was specifically regarding my friends billing and shipping address since the reason that my account was restricted was because of the purchases made through his credit card. So my question is: maybe my billing address wasn’t restricted and they locked my account only specifically bc of the activity of my friends credit card that took place on my account, which would mean that if i open a new ebay account then maybe im in the clear bc my billing address itself may not have actually been flagged, do you think that all of this is possibly true and maybe im in the clear if i make a new account and purchase items with my own credit card?



    1. Andrew Minalto

      I’m sorry John but I really don’t have an answer for that question….

      No one knows exactly how these security/account restrictions work with eBay – we can only take wild guesses.

      If your moms account hasn’t been suspended yet, chances are that suspension is related to your friends card or postcode used. But I don’t know really, sorry.


  7. Hello Andrew, I am going self employed, selling on Ebay and Etsy, but different things, would I need to keep separate accounts for both, the monies will be going into the same bank account and paypal, thank you. Jason

    1. Andrew Minalto

      Hi Jason,

      You can use one account for this, no need for 2 accounts.


  8. Hi Andrew, my business pp is closed 6 months ago.. i am ebay seller and my business is stopped. I need to know that can i open with same company name new paypal account? i will change email address and i will add different bank account.

    1. Andrew Minalto

      Hi Jack,

      You should ask PayPal and ask them directly about this.

      I have never closed an account like this and tried to re-open again with same company, so don’t know how they look at this.


  9. Hello I have a question that hopefully you’ll be able to answer. It’s kind of a long story but I worked for a man for 6 years which I no longer work for and he and a couple of his friends including his wife all opened eBay accounts. each one of the eBay accounts had separate PayPal accounts. So when I started working for him I also opened my own Ebay account and my own PayPal account. shortly thereafter he decided that he wanted to use my account for his own use. So I had to make another eBay account for myself and I opened a new PayPal account. During this time I would have hoped that he changed the name from my name to his name on both the eBay and PayPal account that he took from me. But he did not. He left it under my name and since Massachusetts changed their law now if you get $600 or more they will send you a 1099 form I do not live in Massachusetts anymore havent for years and I do not work for him anymore and yet I got sent the 1099 form at my old address where my family lives. Anyways we are trying to figure out how to completely give that eBay and PayPal account over to him so I do not get hit with the 1099 form ever again since I have no business with that account. is there a way he can just put his Paypal account under that eBay account and erase the other PayPal account that’s currently under it? Thank you so much for your time.

    1. Andrew Minalto

      Hi Sarah,

      Thanks for your comment.

      Unfortunately I’m not familiar with how this works in the US etc. but you can’t change a name on PayPal’s account – the only way to deal with this would be to close the account for good. And this is what you should probably do to avoid any future tax implications.


      1. If I close my paypal account with my name on it do you think he could just use his paypal account and connect it to the old ebay account that used to be mine?

      2. Andrew Minalto

        Yes, it is very easy to change PayPal account for eBay – just need to change email address in eBay settings.

      3. Thats great to hear. Thank you so much for your help. It is much appreciated. 🙂

      4. Andrew Minalto

        You’re welcome Sarah! 🙂

  10. Hi Andrew

    I bought from ebay to dropship. i purchased from a few different sellers. i checked rating. But later found out i was scammed like 50+ transactions+some big orders never delivered. The item is like $50+ to 70+/item. Sellers sold the stolen items. I returned in ebay or disputed in pp for transactions after return period. Naturally, I fight back to get my money back. I won all pp claims. but later pp just limited my account out of blue saying i have higher than normal return. I explained to pp I had business pp account and i purchased a lot of items and got scammed but they said i m risk to them. I also sell in ebay n my ebay seller accts r good standing. so my ebay stores are limbo as no pp.

    I want to know if i can create a new pp acct in a new country as I recently moved. PP knows that I am in new country as I contacted them with overseas number. pp staff asked if I have pp acct in new country. I said no as I haven’t.

    1. Can I create new pp account in new country using my passport?
    2. Will pp link my new account in 1 with limited acct in old country?
    3. I have a friend who can let me use her pp account for my ebay stores, should i link to my ebay stores?
    4. Will pp detect based on my ebay stores and block my friend acct?
    5. Should i create new ebay stores and link to new pp account and rebuild the selling limit?

    Your advice is highly appreciated. I am just a stay at home mum trying to make a small income while taking care of my baby. I do honest buying and selling. But I wasn’t protected by either ebay or pp when this happened. Thanks for your time. Sorry for long post!

    1. Andrew Minalto

      Hi Cassy,

      Thanks for your comment.

      Unfortunately I won’t be able to give you advice on this as I’m not an expert really in banned/suspended payPal accounts.

      You should seek for help on dedicated forums covering this issue, like:


  11. Judith Siebers

    I have been both buying and selling on ebay for years.
    Recently my email accounts were hijacked or something, and my old email address is nowhere to be found-EXCEPT on several places such as ebay, where I was told I must start a new account!! This is very upsetting, as my username is connected to the old email address. I have 100% good reviews and over 1400 sales\buys. Is there no way around this?

    1. Andrew Minalto

      Hi Judith,

      As far as I know, you can easily change your email account from your account page. That is if you can login into your account and do that.

      If not, I’m afraid you will have to open a new account.


  12. Hello Andrew
    I have a problem with regard to Paypay and Ebay. About 12 years ago I opened an Ebay account in the UK connected to a UK bank. I now live in France, so I opened up a French Ebay account using the same user name, because I have 100% feedback and 700 sales/buys. I very rarely sell things, but recently I put some things for sale on my French Ebay site. Unbenown to me my Ebay site is still connected to my UK Paypal bank account. I am confused, because when I buy anything from Ebay I am given the option of which Paypal account to use.
    When it came to paying the fees, I cannot seem to link a French Paypal account to Ebay? When I phoned Ebay they said, because I initially set up my account in the UK I have to pay all fees in GBP from my UK bank!! I am wondering if I should just start again and have a new French user name with Ebay, because I can’t find a way of keeping the two separate. Thanks for any advice!

    1. Andrew Minalto

      Hi Deborah,

      Unfortunately, there’s not much I can help you with… if eBay told you that you can’t use your French PayPal account, you can’t.

      You will have no option but to create a new eBay account for selling.


  13. Do eBay banned and suspend you from buying because of unpaid items ?

    1. Andrew Minalto

      Hi Debbie,

      Yes, I think they do this BUT only if you do it on a serious level. They won’t ban you from doing this once or twice.


      1. Hello,
        I Just joined Ebay a few days ago, made a purchase (paid, the item was shipped) and listed three of my genuine brand purses. Got suspended without any explanation. Called trying to understand what happened and they said the team has decided there was a concern with my listed items (!). I cannot believe it. They make people feel like criminals (lol). I really could not believe all this happened but I know my purses were purchased by me from retails like Bloomingdales and Nordstrom so I have no doubt they are authentic.
        Very sad but ..probably for the better! As now I am reading many horror stories with eBay.

      2. Andrew Minalto

        Sorry to hear that Anna, but I don’t sell on eBay anymore so don’t even know what to suggest to you.

  14. Hi Andrew
    I sell on Ebay and other platforms. When listing items on EBay is there anyway to find out what items are not allowed. I been lucky so far, but I’m afraid that I may end up listing something because I don’t know and my count will get suspended. Also is there a list with brands that I can’t sell or words that I can’t use? I am being told that all of this can get you in trouble with EBay. Thank you.

    1. Andrew Minalto

      Hi Terrel,

      There’s an official list of prohibited goods:

      And you can read about VERO (protected brands) program here:

      lastly, if in doubt, you can always contact support and ask their advice on any product you plan on selling.


  15. Hi Andrew,

    I have learned a lot from your articles and they have helped me to establish an Ebay business.

    I have now setup an website which is due to go live soon and it will use Paypal to process payments. Would it be better to use the same Paypal account that is integrated with Ebay or open a new separate one for the website.

    I am more inclined to open a new one as I will be able to tell whether orders came from Ebay or my website. The only downside to this is that I have to go through the whole vetting process again.



    1. Andrew Minalto

      Hi Salman,

      Thanks for your comment.

      You can only have ONE PayPal account for each business you have so you can’t open 2nd one just because you want to use it for the website…

      So use the same account for your website.


  16. Sandra chamberlain

    Trying to work out why PayPal are taking funds from my bank account every time my son makes an eBay purchase from his eBay account.
    I’m really confused, different email addresses on each account, different card and bank details, why would this be happening?

    1. Andrew Minalto

      Hi Sandra,

      It could be that your PayPal account is linked to his eBay account?

      You need to check this in eBay settings.


  17. Chris Ford

    I closed my Ebay store not long ago for several reasons(the main one is that I am retired now and trying to enjoy life a bit more). My question about second, third, etc. accounts for selling..I was always under the impression that if a seller owned a store, multiple accounts were acceptable, but not if one did not own a store and only uses the 50 free listings a month and any other promotions that Ebay occasionally gives out. Just need clarification. Thanks in advance, Chris

    1. Andrew Minalto

      Hi Chris,

      No, that is not true – anyone can have multiple eBay accounts, you don’t have to have an eBay store for that.

      This is at least how it was when I was selling on eBay, a few years ago. I did quit it so don’t know what the latest rules are.


  18. R B Wilson

    I opened a SECOND Ebay business account, that part was straight forward, but it is connected to my own personal / PRIVATE to me Ebay account, and I cannot separate the two, I have TWO email addresses, but address 2 business is inseparable from address 1 private, I was thinking off deleting account 2 and starting again, but guess that will delete private account 1 which is over 10 years old with 380 positive feedback. Does anyone know how do I get account 2 business to be used as Account 2 only, and totally independent of account 1.

    6-weeks have gone by and nowhere on the www have I found this problem listed. Is it a Google email syncing problem, or an Ebay problem?

    1. Andrew Minalto

      I’m sorry, but I won’t be able to help with this either…. I don’t sell on eBay anymore, don’t even know how accounts work there nowadays.

      Have you tried contacting eBay and asking them for advice on how to best deal with this situation?


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