[Fresh Wind]

Obviously you can tell them in the body of the auction you don't accept Paypal and they will need to send you a check or money order.

And, of course, the first time you do that, someone will insist on using PayPal. And eBay will back them up.

[Still Thinking]

Well, it’s what I do and it certainly won’t happen “the first time”. I’m sure there are customers who will do that and you’ll have to put up with it but at least 90% will abide by your wishes if you tell them up front, thus cutting your Paypal exposure by the same amount.