That quote from eBay's policy says it all, it's a cost of doing business. I will avoid eBay auctions where I can't pay using Pay Pal. Pay Pal charges the cheapest surcharges around for sellers to process credit cards charges. Call your bank & see what it's going to cost to set you up & what they want to charge you for your transactions.

The way I look at it for the few auctions that I run & chip sales that I make, the more convenient I make it for a potential buyer, the more sales I'm going to get. It's a way to increase your business IMHO!
Regards
Bill R-4581