Re: One thinks one has ****ed up. [eBay]
When someone pays you via paypal, paypal get a percentage (i think it's about 6%) of the total amount paid, no matter if it's sold via credit card or not. Obviously if you're not happy with this then the best option is to not accept payments by paypal. The annoying thing about that is the whole selling process then drags on for longer while you wait for the buyer to send a cheque, wait for it to show up in your account etc.. etc..
The direct debit thing is for the eBay charges, which should be no more than a few quid depending on how many items you're selling, how much they sell for and any extra options you choose to use when putting up your item for auction. There are no monthly charges, I was worried about the same thing when I first started selling things.
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