first of all excellent find
I found this in the promo limitattins link
""Excluded Transactions. The following transactions are excluded from this offer: Send Money transactions, payments to Personal Accounts, eBay payments made to Personal Accounts, donations, PayPal Mobile transactions, payments for services, Virtual Debit Card payments, PayPal ATM/ Debit Card payments, payments made when you are not logged into your PayPal account, and PayPal Plus Credit Card payments not made through your PayPal account. ""
I think if on ebay you purchase/win a bid and make payment to a seller that takes credit cards(and of coursepaypal) that would be payment to a business account versus a small time seller asking for a direct cash input to his personal account these latter are very rare