I have been using Paypal since they started with Ebay and no problems. You can use them to process any credit card and that way you don't have to give out your card number to multiple places. My bank has a no charge digital checking account if you do 10 transactions a month. I load the money from my real checking account and use the digital for most all transactions, food, gas, etc. If the card gets hacked, they can only get the balance which is low double digits and can't overdraw the account. Takes 5 minutes to load card. Along with others, this is the only forum I paid to join, Worth every penny.