In the past, I was selling quite a few MFSL CDs on ebay. I encouraged the use of PayPal. After all, it was quick and free!!! Now that there is a 2.9% fee, I think it really depends on the situation. If the seller is really needing money and doesn't want to wait for a money order, he should be willing to pay the fee. If the buyer is really in a hurry for the product and doesn't want to wait, he should pay the fee. These two cases assume that the other doesn't care about the time frame of the transaction. If both the buyer and the seller want the benefit of a fast transaction, maybe they should split the fee.