With my Paypal account I had to register a CC & a Bank account. Normal payments are taken from the bank account (like buying from Ultrex) but if theres not enough funds it comes off the credit card.

I've been shafted on there once before, was something like $500 for a TRD bumper & headlight for the Aurion...recieved the headlight but not the bumper. In the end they took his money back easily (minus $100 odd for the headlight) & refunded to me.

Easy process, just takes a while. Make sure you take notes or open a dispute as soon as you realise somethings up.