As a buyer, correct...?

I should have clarified my post better. When I started selling on ebay in the late 1990s or so, ebay would pay sellers through PayPal. A person would then have to transfer the money from your PP account to your banking account or use it on PP to buy something on ebay or elsewhere.

I can't remember when it happened, but if you sell on ebay, they now do direct deposit to you (after taking their cut) via your bank account.