Yes, you can "get around it", but any discount you offer for cash or check payments must be expressed in dollars or cents, not percentages. See the policy page I posted earlier.

Since PayPal charges a percentage, sellers who offer a "3%" discount for checks" see their auctions ended, while sellers who offer a "$2.00 discount for checks" are well within the policy.

This might account for the "sporadic enforcement" Pete referred to, since many eBay members see two sellers offering discounts for non-PayPal payments, report them both, and only see one ended. What they fail to notice is that one discount is expressed in terms of a percentage of the total, the other is expressed as a straight dollar figure.

My personal opinion is that accepting PayPal is an option, if you choose to offer it, absorb the costs. If you don't choose to offer it, that's fine too.

But, I personally would never try to have it both ways, offer the service, but make my buyers pay exra for it.