I'm quite new to selling, but if you have a Paypal account then that seems to work ok for paying your sellers fees. I did need a credit card though as I was scheduling something to start selling at a different time to when I was actually putting it into the 'puter (Thurs 9pm, 5 day listing, therefore finishing at 9pm on Sun - good time!)
It seems to be an insurance in case you don't pay your bills and they have another way of getting the money off you.
hth - confused myself there I think!
i think you need to register either a credit or debit card initially with ebay.
ive been buying and selling for over a year now and do all my transactions through cheques-i dont have a paypal account.
i also changed my bank account a while back so the card details ebay have aren't valid anymore anyway,but obviously they don't need them if im buying and selling with cheques.