you are getting confused Snoopz, when you pay by paypal the money has got to come from somewhere because you haven't got £1 million sitting in your paypal account. Paypal is just a middle man and the seller sees the money coming from payal so you are hidden and paypal charges you. You have two options in your paypal account and you have to have one of them as a minimum. You either give paypal your cc info to charge to or you give it your bank account/debit card info. In my case paypal has both, my bank info is primary source and in the event there is a problem then it charges my cc.
You have a paypal account just as you have a cc account and you can sign into your paypal account and check all your personal info, billing info, address, transaction summaries etc. As soon as you sign in on your main page it gives you a 30 day summary of the money going into and out of your account and the point taf was trying to make is that you can see exactly what paypal have charged to your credit card.
Before you say you haven't got a paypal account or never used it, you have because you would have had to have signed in and set it up before you started using ebay.
http://www.paypal.co.uk