It IS a tall ask. It is not as simple as just adding another field for another account.
1 - They are not the payment processor; they rely on another company to make the payments. They have to abide by that contract and rules around that contract. They cannot just up and say, "hey we are going to allow multiple payment options so here you go, add all these accounts". If the payment processor says one bank account per seller, then eBay has to abide by that.
If they could get past that, then there is all the below.
2 - They would have to do all the exact same steps for the second bank account you want to add that they do for the first, ranging from ID verification, bank sign on verification, micro deposit verification, regulatory requirements for financial information, all the way down to the 1099.
3 - Then what about all of the above if it is a different bank? Let's say your vacation account is with Chase and your other account is with Bank Of America. That is another layer of complexity and CS.
4 - There would be increased CS costs for number 2 above and not to mention the seller that does not select the right account and then fires off the "ZOMG you put the payment to the wrong account you need to reverse it" to CS.
5 - Audits and reconciliation would take longer and have more issues due to volume, if everyone added another account it would essentially double everything on this step as well.
6 - Which account would be used when eBay needs to charge shipping labels or yank back funds etc. How would they even process that, and then all the associated CS calls because of that.
eBay is NOT a bank, they are only required to provide us with a method to receive payments, that requires one account, not multiple methods. You wanting to switch between accounts is something you want added for your convenience, there is no monetary gain for eBay, only increased costs.
Your bank on the other hand, generally has options to transfer between accounts. I would utilize that functionality and add an additional step through your bank to transfer to another account within the bank or use other options that are available to transfer funds to another bank.
Just off the top of my head.
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