I have been charged 3x for something i couldnt pay

That would depend upon how you are paying. If you are paying through a credit card, you would contact the issuer of the credit card. If you are paying through Paypal, you contact PayPal. However, that is not the end of it. If you are disputing charges, you very likely will need to send a letter stating such. Here are more details:

https://smallbusiness.chron.com/company-wont-stop-charging-credit-card-55393.html

https://www.thebalance.com/what-to-do-about-unauthorized-credit-card-charges-960260

https://www.paypal-community.com/t5/Archive/How-do-I-cancel-a-recurring-payment-There-dosen-t-seem-anywhere/td-p/180230

Note that simply canceling a credit card and getting another card will not necessarily stop the charges from being transferred to the new card. Read both of the first two articles for steps that may resolve your problem.

Which account?
Did you have a "positive" balance in your PayPal account?
If so, PayPal will refund your payment back to that account.

If you did not have a balance, PayPal charged your credit-card when you paid. PayPal will "reverse" the charge. Go online to your bank, and check "recent credit-card transactions", to see the original charge, and the "reversal".

"It's FREE for buyers to send money using PayPal.
PayPal charges a low rate to Premier and Business accounts to receive payments. Personal accounts can receive payments for free, but they may not receive credit card payments."

http://pages.ebay.com/paypal/fees.html

2.2% and then 30 cents a transaction.

when you signin on the paypal homepage go to profile & you'll see how to add a credit card & just follow the prompts

u have to create an account on paypal and verify by the methods provided in the account. u must verify ur account in order to do big transactions

Open a new account and call paypal to close the old one
before closing the old one you won't be able to use the credit card

Okay, with regard to your concern, looks like you paid for the item and select to pay using Credit Card, but since the seller's Merchant credit card account is not integrated with eBay, you wasn't able to enter your credit card details and the card wasn't charged. In this case, you'll need to contact the seller first. You can actually request for their phone number so you can get an immediate response. You can ask the seller to process the credit card payment. You'll give yoour card details over the phone, make sure that the seller is a trusted eBayer, you can tell that by looking and reviewing his Feedback profile. Hope this helps!

Here are the steps on how to request for the seller's phone number:

1. Please click on the Advanced Search link on the top right hand side of the page.
2. Then on the left hand side of this page, under members, please click on 'Find Contact Information'.
3. In the Contact Info section on that page, type in your trading partners User ID and the item number.

Hi,

You have to remove current active card from paypal account. The add or link another credit card to paypal & verify it.

Then you may pay for item by this credit card.

Thanks .
Happy to help you.

You can pay by credit card or also paypal. Thanks Peter