I only want to receive payment through ebay. As far as I understand it, the buyers credit card is charged, and then funds are transferred to me, so does this count as me receiving a credit card payment?

Yep, it sure does. You can't accept payments from their credit card (with Paypal as the middleman) without incurring their credit-card charges. This requires upgrading to their premium account, whatever it's called. I did it once, and after I did it, I "downgraded" my account to the standard no-fee account. They only let you do that once, though.