What is it exactly that you are smoking? Because I want some 

Neither eBay nor MasterCard hold any funds in customer accounts, so mentioning either of these names are 100% irrelevant. If you have over $1,700 in your PayPal account then you should take the couple of days it takes to send it to your bank account to send it to your bank account and then buy with either a Cash Deposit or another method using cash. Doing so will save you a lot of money......unless of course there is a reason why you don't want to send to your own bank account