Upload & Sell: Off
I agree with the above.
As a seller (or a buyer for that matter), you can set policy however you like.
As a buyer, I will not do Paypal "gift" or bank transfers, regardless of the person's feedback. Unless you can provide another escrow service or money service that provides me with some level of protection, I won't shop with you.
Last I read on Amazon Payments, for instance, they would only cover up to $2500. Well, now we're back down into the area where the 3% is a fairly negligible expense so I don't see the point, and I'm certainly not buying an item where I might only be eligible for part of the total cost.
If you have a secure checkout website where I can securely pay by credit card, and be covered under my credit card's policies, I will be happy to pay that way