@change-your-username wrote:

Other online retailers are NOT financial institutions either



Other online retailers are not offering the credit themselves.....they are using Afterpay or some other facility that is set up by a financial institution.

 

As someone else said.....your beef is with paypal, not ebay.  If paypal offers the facility in Australia it is sure to be available to ebay as paypal is the only payment facility used by ebay.