So if someone wants to sell on eBay and doesn’t want to use PayPal, then they have to set up a business account to use visa or Mastercard.
I am not sure. I just buy from the vendors. I have never used PayPal.
That is no longer true. eBay is no longer forcing sellers to have PayPal accounts, but they do require you to provide access to a bank account. The money buyers pay goes directly to eBay, and eBay skims off the transaction fees that PayPal used to get. The seller gets the money minus the seller fees and the transaction fees. You can still use PayPal to buy on eBay, but they opened the system up to credit cards, debit cards, systems like ApplePay and GooglePay, gift cards, and the like.