E-bay won't agree because it's against their policy of requiring a payment method that is reversible. The ebay rating system is currently for show for that reason as the buyer will always receive their money back no matter if they practice due diligence or not.
Em. A payment per bank is not reversible too. But ebay accepts this.
i don't know what country you hail from but, personally, I have done bank reversals on wire transfers here in the United States. More difficult than a credit card transaction reversal but, still highly possible. Not to go too off topic but this is one of the reason why I enjoy Bitcoin, YOU control your money not some bureaucratic mess(banks, government etc.)