After registering and becoming verified for a business account with paypal, I realised that they automatically set all accounts up to use a CREDIT CARD (which incurs charges to the seller)rather than using the INSTANT BANK TRANSFER option (FREE & available to people who go through the verify process, which can take a few weeks but is worth it in the long run!)

Unless you take the time as a seller to outline this detail in every listing....(And its not foolproof because many buyers cant be bothered to read the sellers instructions before making a payment)  you will automatically get buyers just clicking the "pay now" button, usually linked to their credit card, costing you a further percentage of your winnings and the "acceptance fee" plus the 3.4% interest on the winning bid etc....after listing fees and sellers fees on Ebay. 

IF YOU ARE A BUYER WITH A CERTIFIED PAYPAL ACCOUNT AND HAVE REGISTERED YOUR CREDIT CARD, PLEASE AMEND YOUR SETTINGS TO "PAY BY INSTANT BANK TRANSFER"  (Aren't we all paying enough out in fees already??!!)