Joel, If you decide to bite the bullet and give up an extra 2.9% + 30 cents per transaction to eBay, set up a seperate Business PayPal account to handle those transactions and comply with ebay rules. Keep your old Personal PayPal account active to do Chipboard and other deals conveniently without paying fees. Also, this way some of your long term customers that know your personal PayPal account address can pay you that way when they win one of your auctions to help cut down on your fees. I set mine up that way years ago when there was something in the PayPal rules that said you could have one of each type of account.. Personal and Business. They have probably changed the rules since then (ebay hates the idea that they might not get a percentage on everything you do) but I have never had a problem maintaining both accounts. Also, if you do get a business PayPal account be sure to get the PayPal debit card too. This way you can help offset all those PayPal fees by getting 1% back on every transaction you use this card as a credit card for.. groceries, gas, insurance, etc. I even have my eBay monthly fees charged to this credit card and get 1% back on those You just run all transactions you would normally use a credit or debit card through that account. My brother, who only occasionally sells on eBay, actually turns a profit! It is amazing how that 1% adds up. In order to properly set up an extra PayPal account you will need a seperate bank account (most of us have more than one), a seperate contact phone # (cell phone or work phone), and a seperate email address (set up a free one at yahoo or hotmail). It is interesting to note that though eBay wants to force you to upgrade to a Business account to accept PayPal payments, when a buyer wants to fund a payment from their credit card it tries to talk them into funding the payment by a non-credit card method. If it is funded by a credit card, that would cut into the profit. And as we all know, eBay just doesn't make enough profit.. heck they had to up the listing fee to 40 cents for a normal chip.