This has been rolled out since 2018 but is hitting the casual seller now. As ever it is confusing, because whilst being signed up, I still got paid through Paypal! 12.8% is steep, but remember that eBay were charging 10% with Paypal charging 3.2% plus 30p on top, so the majority, they should be better off. Never got to the bottom of how this impacted the relationship between eBay and Paypal, and how we got to this point.