"That's a good question, I'm glad you asked"

To take credit card payments through Pay Pal, I would have to sign up for a "Premier/Business Account" & pay Pay Pal's exorbinant fees ($.30 per transaction + 2.9% of amount). If you do the math you will see that on a sale of $9.99, for instance, the Pay Pal fees end up being almost 6%. I could pass that along in the form of higher shipping charge but I don't really want to go there.

If I stick to Pay Pal's "Personal Account" there are no fees but I can only accept payments "funded from a bank account or Pay Pal account balance".

I'm a really small time seller; usually just selling the extra's that I inevitably
end up with being a chipper.

Cheers!
Bill