We have a CBA facility in place, at around 2.2%.  The far majority of our website payments are done via card, whilst Ebay payments account for around the 40% mark.  The balance is via Paypal, and some Direct Deposit too.  I certainly would encourarge anyone with good feedback and track record to encourange both Credit card and Paypal, as it works very well for us, and find that a considerable amount of our clients actually prefer to utitlise this facility over Paypal. Credit card payments = never ever had one chargeback or problem in over 15 years.  I definitively cannot say the same about Paypal.