I had an eBay store, and it was a complete waste of time and money. Everything I listed was cheap, but no one ever bought anything from the store. Taking the monthly store fee and using that for real listing insertion fees is a better way to go. I had stuff in the store that no one bought, and then I made them into a 30 day listing for more money and sold out.
Everyone hates Paypal because they lock up your money and make you jump through hoops to get it back. With a merchant again, the money gets processed on goes in your bank account, where as Paypal puts the money in their account where they can lock it before releasing it to you.