Is it possible your credit card is nearing expiration, or already expired? I've searched all over ebay and this is the best link I could come up with: (I don't see how that would explain the API error tho, but it's worth a shot)
http://pages.ebay.com/help/account/payfees.htmlIf you can't figure it out, I would suggest tryig Live Help, at least you won't get the canned answers from an ebot that have nothing to do with your question
