Vouchers being added to my selling account

vacheron

Spoonie_Turtle said:

vacheron said:

savergrant said:

vacheron said:

eBay sent this to me too yesterday as a done deal, and have automatically placed these discount codes into many of my auctions with no option to either agree or disagree to them.

The e-mail is written using their usual "benevolent" language.... 

We wanted to let you know that you may notice some of your listings benefit from an eBay-paid for coupon. This means that the items you’re selling will be even more appealing to buyers browsing.

Personally, I read this as:

"We are attempting to encourage buyers who possibly can't really afford your items, and may have financial discipline problems, to purchase your items by offering financial incentives to encourage them to get into the habit of taking out finance over 6 months at 23% APR" on your items which cost as little as £70!

We will no doubt be getting some kind of financial kickback from Klarna for doing this, whereas you, (whose auctions we are using as the mule to facilitate this), won't receive one additional penny in return." 

To be honest, this made me feel a bit physically sick to think that me selling some of my unused stuff could now be being used to encourage people to fall further into financial difficulty. But from what I can see, there doesn't appear to be any way to opt out of it.


Edit: As there appear to be a few different discounts doing the rounds, here is the link to the T's & C's of the offers they have placed on my auctions:  £20.00 off with code YUKFSI6NVMJDK87M

How can reducing the price of your item cause anyone else financial difficulty? Do you normally credit check everyone who buys an item you list?….

Firstly, it doesn’t reduce the price. If you buy a £149 item you get £5 off, but the 6 months of 22% interest is £9 so it COSTS you an extra £4.

Are you sure there are no interest-free options?  If not then I've fundamentally misunderstood what Klarna is (probably because I've never used it myself).

In my case, definitely no interest free option.

When I click on the discount code which eBay have arbitrarily applied to many of my auctions it gives me a breakdown of the cost to use Klarna. Using Klarna is mandatory to get the eBay “discount” and has an APR of 21.9%.

I’ve had two other people check my auction using their eBay accounts and it was the same for both of them too.

the_lunatic_is_in_my_head

I don't think Klarna charge interest for pay now, pay later, they make their money off the retailers paying a commission (and charging late fees). 

One of my listing is for £39.99 and it says pay in 3 interest free instalments of £13.33 (although that doesn't cover the (simply delivery) postage so not sure how that works). 

Do you have a screenshot of the interest charges? Klarna do also offer financing which is a typical loan. 

Edit, forum is acting up, your listing is probably too expensive for buy now, pay later so is showing financing instead. 

Sure I saw something about a Klarna discount on eBay, according to this it's tiered:

https://channelx.world/2025/06/use-a-klarna-coupon-when-you-shop-on-ebay/

£70- £149.99 and receive £5 off£150 – £249.99 and receive £10 off£250 – £549.99 and receive £20 off£550 or more and receive £50 off

A voucher code like JUNE10 implies eBay are offering 10% off and simply covering the cost. 

In terms of buy now pay later, they are everywhere to encourage purchases, here in the UK the government are increasing regulation for such firms:

https://www.bbc.co.uk/news/articles/c5yg5le8p25o

vacheron

the_lunatic_is_in_my_head said:

I don't think Klarna charge interest for pay now, pay later, they make their money off the retailers paying a commission (and charging late fees). 

One of my listing is for £39.99 and it says pay in 3 interest free instalments of £13.33 (although that doesn't cover the (simply delivery) postage so not sure how that works). 

Do you have a screenshot of the interest charges? Klarna do also offer financing which is a typical loan. 

Edit, forum is acting up, your listing is probably too expensive for buy now, pay later so is showing financing instead. 

Sure I saw something about a Klarna discount on eBay, according to this it's tiered:

https://channelx.world/2025/06/use-a-klarna-coupon-when-you-shop-on-ebay/

£70- £149.99 and receive £5 off

£150 – £249.99 and receive £10 off

£250 – £549.99 and receive £20 off

£550 or more and receive £50 off

A voucher code like JUNE10 implies eBay are offering 10% off and simply covering the cost. 

In terms of buy now pay later, they are everywhere to encourage purchases, here in the UK the government are increasing regulation for such firms:

https://www.bbc.co.uk/news/articles/c5yg5le8p25o

It looks like we were both writing / editing our emails at the same time, 😊

I was going to add from reading some of the other responses on this thread that it seems like different people are receiving different offers.

Something like a straight 10% off like the "June10" offer I am absolutely on board with. But when other offers are encouraging people to get into interest bearing debt for trivial sums, it feels very different.

The link to the terms you gave above looks like the same one that I gave at the bottom of my first post, in that anything over £70 can be put on a six month repayment plan at 22% interest.

It therefore seems like the deal codes eBay are putting onto sellers auctions are related to the auction specifics, possibly also the category, and the listed price of the item.

In the example screenshots I gave above,  the auction in question was for a second hand child’s bike, however I have other auctions with "Buy it Now’s" in the £70-£80 region which are also being offered with these same 6 month / 22% terms. 

Spoonie_Turtle

vacheron said:

Spoonie_Turtle said:

vacheron said:

savergrant said:

vacheron said:

eBay sent this to me too yesterday as a done deal, and have automatically placed these discount codes into many of my auctions with no option to either agree or disagree to them.

The e-mail is written using their usual "benevolent" language.... 

We wanted to let you know that you may notice some of your listings benefit from an eBay-paid for coupon. This means that the items you’re selling will be even more appealing to buyers browsing.

Personally, I read this as:

"We are attempting to encourage buyers who possibly can't really afford your items, and may have financial discipline problems, to purchase your items by offering financial incentives to encourage them to get into the habit of taking out finance over 6 months at 23% APR" on your items which cost as little as £70!

We will no doubt be getting some kind of financial kickback from Klarna for doing this, whereas you, (whose auctions we are using as the mule to facilitate this), won't receive one additional penny in return." 

To be honest, this made me feel a bit physically sick to think that me selling some of my unused stuff could now be being used to encourage people to fall further into financial difficulty. But from what I can see, there doesn't appear to be any way to opt out of it.


Edit: As there appear to be a few different discounts doing the rounds, here is the link to the T's & C's of the offers they have placed on my auctions:  £20.00 off with code YUKFSI6NVMJDK87M

How can reducing the price of your item cause anyone else financial difficulty? Do you normally credit check everyone who buys an item you list?….

Firstly, it doesn’t reduce the price. If you buy a £149 item you get £5 off, but the 6 months of 22% interest is £9 so it COSTS you an extra £4.

Are you sure there are no interest-free options?  If not then I've fundamentally misunderstood what Klarna is (probably because I've never used it myself).

In my case, definitely no interest free option.

When I click on the discount code which eBay have arbitrarily applied to many of my auctions it gives me a breakdown of the cost to use Klarna. Using Klarna is mandatory to get the eBay “discount” and has an APR of 21.9%.

I’ve had two other people check my auction using their eBay accounts and it was the same for both of them too.

Oh well that's dreadful then.  No wonder you object to it, the principle of it sickens me too!