I ran some auctions last week and they stated cash or check only. When it came time to send the invoice to the buyer I checked the Paypal box but stated in the invoice that it was from cash accounts only, no credit cards. I got 2 credit card payments anyway and was not able to deny them and the senders were not able to rescind their payments until I denied them. One guy got out of it by telling them that someone unauthorized accessed their account. The other one is still pending. Whatever you do don't check any Paypal box unless you are willing to accept a credit card. I just can't afford to pay Paypal 10% after paying Ebay over 10% for a common chip. Paypal wanted $.43 on a sale that was only $4.49. Geeez.