As far as credit card payments through Paypal, you are right. I do not accept them, because I refuse to pay Paypal another 3% + another $.30 for every auction that someone wants to pay me with a credit or debit card.

Ebay charges 5.25% + $.30 (for auctions under $9.99) plus commission fees on the total amount of the auction. So combined that's 8.25% +$.60 for every credit card payment. Sorry, but my auctions are not high enough priced for me to afford paying those ridiculous fees.

There you have it....Ebay and Paypal 101.