use a "bank account" like checking or Debt Cards for PayPal or other online payment system.
Use a Credit Card.
CC are Legally Very Different from any other by Federal Laws and has more Fraud Protection.
PayPal itself has cause major headaches to people tied checking etc. to them.
Many banks have CC available to nearly anyone w/ a standard account.
Dr. Ian Malcolm: Yeah, but your scientists were so preoccupied with whether or not they could, they didn't stop to think if they should.
The Ogre's Fiero Cave