No. You are not understanding me at all, but I also think that you knew that and are just being a little difficult for the sake of it. My customers are covered for missing parcels regardless of the payment method because I am an honest, reliable seller. If you read what I have actually written you will see that I have said is that the service I am receiving (ie paying for) from PP is no different from what I get from my bank. This thread was about fees. I think the ebay fees are fair. If I didnt I wouldn't use the service. I would like to have the same choice when it comes to accpeting , or not, echeques, but I can't.

Sorry Kaz, but I am not being difficult for the sake of it...I really did read your post that way.

Part of the fee paid to paypal is to fund the Buyer and Seller Protection Policies as well as to facilitate the transfer of funds.

What you are proposing is that the buyer should pay the paypal fee which you have (or should have) built into your item price and then you want them to pay it again in the form of a surcharge on an e-cheque payment.

If the buyer uses a bank deposit instead of an echeque they relinquish any form of Buyer Protection...you as the seller are protected though as the buyer has no redress at all.

Most of us here know that you are honest and the problem would not arise with your customers, but can you imagine what would hppen on the boards pf everyone who wants to pay from their bank account has not buyer protection?