Hi Icemanxp300, i don't know anything about the policy of paypal without ebay, the reason the higher price is because i know with ebay the seller and buyer are both protected and i have had no trouble using that method in the past. Without ebay and the seller protection, as far as i know the buyer could just charge it back and i'd be without a game or money. Thats why i did the ebay option and gift option is because there would be no fees at all, no risk on my part and i have 10 years and over 3000 feedback on various sites to back up that you would get what i say, as almost all my items are shipped with tracking and insurance to cover any damages. Thats why the difference in price, i simply don't know what sort of situation would arise from a non gift payment without the ebay seller protection/buyer protections both tied into the transaction. Hope that explains it.