My 2 cents:
I think the best auction style to maximise returns for the consigner is string style - one after the other. If one missed out on an early item, then one might be more inclined to go for the later item. Example: I was watching an ebay auction of 3 game used bats, each ending on a seperate day. The bats were same player, same model, no material differences between them. The first went for $160, the next $200, the last one $230. There was clearly an element of desperation as the options dwindled.
As for payment - I really don't see a better option than credit card. Bump the premium if cost is an issue, but if the buyer doesn't have a credit card, I wouldn't trust them on in house credit anyhow.
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