There's less risk when buying rather than selling though, they seem to always take the buyers side in disputes
Yeah credit card processors are expensive usually its 2.7%(visa/mastercard) of the transaction plus a fee and a monthy subscription. At least for online use. Like Authorize.net for instance. They're expensive.
Paypal is these days necessity if you want to work online, despite they are not excellent service providers, there fees is too high and that charge back thing always keep a seller in doubt. Paypal is good for buyers.