Well as a credit card user until lately (paypal couldn't verify my acount for some reason), I've found that on ebay, I get absolutely no choice when I pay, no option anywhere to pay a seller's paypal fees. Only when I transfer funds do I get that option, like I do here for sales with an email address, and only when I send as a gift. So yes I get a choice, but only when I transfer funds and choose to void my buyer protection. So I don't usually pay seller's fees unless it's within the community and I trust the seller.