Yeah..when I use ebay nowadays to sell my wares I price to account for those fees.
You can get a 'verified' account from Paypal, it is somewhat helpful in having buyers feel comfortable about performing the transaction via the webz. You can send them an email invoice via paypal from which they furnish the information for payment directly to paypay, you do not see the cc number they provided so they are protected.
Be certain to be diligent and communicative with the other party regarding the details of the sale. Send a message telling them you have recieved payment, tell them everything is boxed and ready for shipment, provide them the tracking numbers and date of anticipated delivery. Dont get crazy but also dont get lazy. To protect myself I pony up for delivery signature confirmation and I insure the item if it crosses a threshold that seems spendy or prudent to me. I also account for this in the selling cost of the item, for example if I'm content at selling 'a thing' for $1000, I'll be adamant about selling it for $1050-$1060 to account for ebay fees, shipping insurance (shipping fees are separate and outlined generally in ebay), and paypal fees.
In the early days of ebay I didnt do this but nowadays with the fees from every which way I find I have to go this route and also the shipping insurance just to cover my @$$ if FedEx or USPS drop kicks the bone china I've just sold.
As mentioned you can link your checking and/or credit card account to Paypal so that when you are paid the money is transfered to whichever one you wish. I think by default it goes into your 'paypal' account which is essentially a debit type account and from there you can easily transfer the money to your linked account of choice, else it will remain in your paypal account and ready for use for you to make purchases via paypal without dipping into your checking or cc.