Sorry, but I am still scratching my head trying to figure out what the issues are with Ebay and Paypal that you are referring to.

I have a basic account with Paypal. I have established an account that holds my money for sales that I've made, and when I request it, they have sent me checks. When I buy something, it is a quick and easy process. I do not have them do my bank account directly. I have not had any problems accepting Paypal, and I am still foggy on what you are referring to when you say "pay by credit card instead of Paypal" but still paying THROUGH Paypal.   To establish an account as a buyer, I have to have money in my account.

When I pay, how would I PAY by credit card through Paypal??? If I have a Paypal account, wouldn't that be where the money is coming from when I purchase something?

Paypal, if they are charging me fees, appear to be fairly standard. For brokering these exchanges, one would expect that they take a percentage. I have not seen anything out of the ordinary when doing business through them.