tl;dr: Today I tried to pay via PayPal for the first time in my life, it’s broken and sucks really hard.
In principle there should be the possibility to pay “via paypal” using only your bankaccount or credit card, but if you try to, you find out that the system is completely broken.
First, it only reloaded endlessly when trying to switch from eBay to the paypal-page in the Opera Browser.
Then, using the Idiot’s Browser™, I finally was able to pay using my bank-acocunt. Or so I thought. Every attempt I made, using the bank-account or two credit cards was greeted with a different uninformative error message, and yes, I triple-checked everything and there was no typo involved (especially in the AMEX case).
It completely eludes me how such a horribly idiotic system could rise to be a major payment processor.
<end of rant>