Isn't that (theoretically) what PayPal is? Nah... thats just a third way that eBay can rape you for any scrap of profit you might be looking to make! I promise you - having PayPal has allowed me to buy lots of stuff online, not to mention make payments to private individuals, without involving eBay in any way shape or form. It is mega convenient, and afaik has not involved any charges whatever. Apologies - unfortunately, I tend to be a net vendor with Paypal, so get stung on listing fees (not too bad unless you want a reserve!), final value fee (going through the roof!) and then nearly 5% on paypal! I'll admit that it is massively convenient, but do believe that with fees approaching 20% for the vendor more sellers will become rather more hesitant about using!