Mark / Josh your assistance if you please

G’day guys
Is there anyway that fees could be accumulated by a user and paid say 1 month later such as with ebays system ?
On my site http://www.ozeboz.com.au people are using the listing facility called the 365 club $1 per listing and having to pay at point of purchase, obviously Paypal are taking 2.4% plus $0.30 so I’m down every time whereas if I could set it for a monthly payment I would still have to pay out the 2.4% but not $0.30 in every dollar.
Please tell me this is an option if not now then soon ?
Regards
Rod