I use PayPal for just about everything on line. The PayPal is covered by a Visa 'Debit' card issued through a bank account specifically opened for the debit card. The account is moderately insulated, I only keep enough there to cover what I spend. I don't like, don't believe in, credit cards. If I reach into my hip pocket and don't have enough to pay for something, I do without it until I can pay for it. A pain in the wazoo, but I don't have any bills hanging over my head.
A few times I have bought items from eBay that were never delivered. EBay has always stood good for the purchase. Should I go beyond the time limit, PayPal will supposedly follow up. Beyond that, there is Visa. I don't know if the bank would, never got that far. They have 'stopped payment' on a few charges that weren't really mine. Beyond that, I don't hold them accountable. Wife has used the Visa fallback on a couple of occasions where UPS mishandled glassware. It arrived broken. . . I don't know where it came from, but Visa removed the charge to her card, a debit card like mine.
My philosophy is the bank card is like my wallet. Somebody sticks their hand in my back pocket, it gets cut off. By using PayPal, I don't release my debit card number. And a single 'vendor', PayPal, to keep track of. If it ever gets serious, the account can be closed. My SS goes to a different bank and is distributed from there. As the old folks say, going around the barn to get somewhere. But it works. . .
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