It sounds as if there is confusion between paying direct by credit card to you, or paying - using your PayPal account - by card. On my PayPal account, when people pay me, it doesn't matter how they do it, the payment goes direct to my PayPal account.
If you raised an invoice to him (which I always do, at the end of a listing) then this would show how you accept payments - mine doesn't accept direct credit card payments, people can only pay me via PayPal, cheque or cash.
I've phoned PayPal and they were helpful,and not expensive, but why don't you lodge a dispute with eBay now? It's quite long enough to wait for payment... and it's up to the seller then to prove that he send payment and how he did it. Whatever you do, don't post the item until you know that the payment is in your PayPal account.