Etsy Payments Ireland Limited (EPIL) is responsible for the payment of funds owed to EPIL Sellers through online sales made on the Etsy marketplace. EPIL processes payments for sellers residing in the European Economic Area (EEA).
As an EPIL Seller, EPIL provides you with the ability to receive the proceeds of your sales on the Etsy marketplace. Etsy Ireland UC will separately be providing you with a range of Marketplace services under its general Terms of Use.
EPIL is regulated by the Central Bank of Ireland.
How do I know if I’m an EPIL Seller?
You’re classified as an EPIL Seller if you:
- Are a seller on the Etsy marketplace with a country of residence based in the European Economic Area, and
- Are at least 18 years old and have registered with and been approved by Etsy Ireland UC for an online Shop on the Etsy marketplace and
- Have successfully completed the EPIL onboarding process including accepting the Etsy Payments Ireland Limited Terms and Conditions
At this time, sellers residing in the EEA cannot add a bank account in Ukraine, Japan, China, Chile, Peru, India, Argentina or Thailand.
EEA sellers who registered on Etsy prior to August 14, 2024 will need to undergo a specific EPIL onboarding process in 2025 to be considered an EPIL Seller. Etsy will reach out to you with specific instructions when it's time for you to onboard to EPIL.
How are buyer refunds managed through EPIL?
Consistent with the Etsy Seller Policy, refunds or adjustments paid to buyers for payments made through EPIL and that fall outside of Etsy's Purchase Protection Program for Sellers will be deducted from your Payment Account balance for a period of 180 days after the purchase was made.
If there are insufficient funds to cover the amount of the refund, the balance will be charged to your card on file or added to your Account balance.
Etsy reserves the right to refund buyers for unfulfilled orders and recoup refunded amounts from you if your account has been suspended in accordance with our Terms of Use.
Fully refunded transactions may be eligible for cancellation in accordance with Etsy’s Cancellation Policy.
Are EPIL Sellers subject to cardholder charges?
Your bank or card provider may charge additional fees (including cross-border fees) for transactions that you make on the Marketplace. These fees are not charged by EPIL and are at the discretion of your bank. Please contact your bank for further details.
How do I file a complaint about EPIL services?
If you have a complaint about a service provided by EPIL, you can request a complaints form by Contacting Etsy Support. An Etsy Support Agent will respond to your complaint.
If you are unsatisfied with the outcome, you may refer your complaint to the Financial Services and Pensions Ombudsman. You can do this by selecting Making a Complaint on the FSPO website and completing the complaint form. You’ll need to submit EPIL’s final response letter together with details of your complaint.
How can I contact the Data Privacy Officer?
The EPIL Data Privacy officer can be contacted by emailing epil-dpo@etsy.com