I sold an item on ebay and the buyer's payment is either cashier's check or personal. which one is better?

People usually think of cashier's check as the safer option as it will not "bounce" for insufficient funds. However beware of forgeries. There is a common scam where people ask you for cash back against a forged cashiers check which they are using to buy something from you. This is often a high value item such as a car: you're selling for eg $7000 they say they have a cashiers check for $10000, could you give them $3000 in change. The problem is your bank will deposit the check and all will look good, except weeks later if it is detected as a forgery when it gets back to the issuing bank, your bank will take the money back!

At least with a personal check - if it is backed up with ID - you can verify the identity of the payer. Take copies of both. Then if the check bounces you at least have a way to find the person and if necessary get help from law enforcement.

Best option in your case though would be to use an escrow service. Ebay runs one, where a third party receives and holds the payment for a small fee and releases it to you when the buyer receives the goods.

cashiers from a bank.

its a check written on the bank account of a bank, the person handed the bank cash to get the cashiers check.

same with postal money orders.

this does not sound stable, a clean member & buys costly rings? You particularly could desire to settle for paypal except customer asks you for a different pay technique. in case you have any disclaimers on your advert like bidders with X comments or much less could desire to email beforehand of bidding might have enable you to off as he's an "unwelcomed customer". Ebay/Paypal side with shoppers, i might cancel the transaction.

Personal of course.

Cashiers is a bit dangerous even from bank. I hear alot of fraud happening through cashier types so avoid it.