i know not many people seem enthused by the thought, but pay pal is definitely a good idea in this day and age of h4xxors!
if they get jacked and someone takes you identity or card info and uses it then pay pal is financially responsible for any loses or harms you suffer. you are paying them for the security services they provide thus making them liable for any harms or damages you suffer due to their failure to perform these services.
nothing is truly secure, but the pennies you pay, for the knowledge that if something does go sideways then someone else is responsible for cleaning up the mess, is a pretty fair deal.
just a thought