Here's what I wrote to the seller...

I'll be putting a money order in the mail today which includes insurance.

BTW, I use to use pay pal myself, until I was notified by e-Bay of the following e-bay rules.

Here's the exact language on E-bay.. And the site address is:

http://pages.ebay.com/help/rulesandsafety/42010006.html

Credit Card Surcharges
An eBay seller may not charge a fee, often called a "credit card surcharge," when accepting credit card payments. This surcharge, which is an added cost to
the buyer over and above the final sale price and shipping/handling, is not allowed under the laws of many states, including California. For more
information, see:

http://www-s2.visa.com/fb/merch/biz/govt/surcharge.html

http://www.mastercard.com/consumer/cust_serv.html

Please be sure to check our Prohibited, Questionable & Infringing Items pages.
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I am not too concerned that this seller is trying to defray their cost of doing business to their buyers, as I am the appearent extra 0.2% fee difference, I see them saying vs what I found on the Pay Pal site.