If you truly believe that there should be a difference between the fee paid for an echeque and a card then why not tell Paypal, I am sure they will thank you for the suggestion and start charging an extra fee for processing the card funded payments;-)

Too late PJ....as of the 22nd paypal is charging an extra 1% for payments funded by a debit or credit card.  At least that is the way I read the new policy updates.  I did make one payment this week but nothing changed when I changed the funding source from bank account to debi card, so who knows?