Is this why there are some sellers on ebay that are
absolutely hostile
to anything paypal? I even had one seller that would only accept
paypal coupled to a bank account, not a credit card (although how they
could tell I don't know).
the easiest Paypal account to get lets you receive bank account money
transfers for free, but charges fairly stiff fees for receiving credit
card payments. That is one of several reasons.
There is also the issue of "chargebacks" being easier to do with credit
card companies than with banks.