Banks do this as well. In fact, it's fairly common. > It's my money. Actually, no. See, if someone pays through PayPal with a CC, they are paying on credit.

Banks do this as well. In fact, it's fairly common. > It's my money. Actually, no. See, if someone pays through PayPal with a CC, they are paying on credit. Not cash. Credit cards work through credit card companies and banks, and they have rules. Because you are using PayPals association with these banks, you have to play by PayPals rules. If you want to accept credit cards, you can do so without PayPal. Just get it from your bank directly, but it won't be as easy as setting up a PayPal account.