I actually recommend you ditch bidpay as well. My first 3 transactions bidpay denied for no reason at all. Too much of a hassle.
I recommend you visit firstdata at Link hidden: Login to view
I use a real merchant account and have done over 300 transactions flawlessly with them. Thier rates are even lower then ebay and I have had several people say they prefer the security of using a real merchant account as well.
They will even link you to Link hidden: Login to view
which will link your linkpoint API directly with ebay so when buyers pay for thier items that your items are marked as paid.