Most Likley NOT A competitor, Just a "Brainwashed" Hard Assed Buyer who thinks that they "Know" Something, and Must Prove it by Inflicting their Will and a Little "Pain' on the Seller.
Unfortunatly there is not Much you can do about this Situation, You can track the Buyer down, Knock on their Door, introduce youself and Scare the BeJesus out of them, when they Realize that Ebay's "Buyer" Protection, can only go so far, they Might think twice in the Future.
On a more serious note, you might want to Take a Look at your Shopping Cart, (Cartmanager) You May want to find one that Intergrates "Seemlessly" with Ebay AND your Merchant account, this way when the Buyer Clicks on the "Pay Now" Button on Ebay your Shopping cart Takes over and "Seemlessly "Redirects" the Buyer to your Merchant account where they Of Course will have that Paypal option that you Mentioned. I would also NOT Make ANY Mention of "3rd" Party Anything on your Listing
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