You don't have to have a store to sell, and the fees are different with each category. When their running the listing specials you can get insertion fees that low but your FVF will be different. It will be calculated according to item, item type and the category you listed it in. You can get the fee break down in the eBay learning center, all you have to do is type in Selling fees and it will bring the whole breakdown up. You can also see your selling breakdown under your selling account. I sometimes am billed the 9-10% and sometimes a lot more depending on the category, electronics is a high fee category. A lot of people don't understand when selling on eBay the sellers pay a lot to sell that's why it's important to calculate your fee into your price. That's why a lot of us sellers set reserves because we know what we need to make to cover everything and still make some profit. Hope this has helped.