Dennis - To take Credit Cards on Pay Pal you have to hace a certain type of Pay Pal Account and there are fees involved which some sellers donj't like. It can cost I belive up to 3% in fees depending on thing like a credit card payment or an over seas payment etc. Never relly looked into it as I figured if you wanted the fast payment you had to deal with the fees.
The real total answer can be found at paypal.com.
Walt