The joys and disapointments of paypal

I appreciate there is some logic, but I find the following very frustrating. I bought something from ebay, it cost me the rip cost of 0.90 ! (whoohoo!) problem is I fund my paypal via a credit card, apparently this means the other person must have upgraded their account. So despite the big "I accept paypal" .. its not all paypal.. some money isnt the same as other money..

sigh