Maybe I've just heard too many Paypal horror stories, or had too many bad experiences with my personal bank account being gotten into but I refuse to use Paypal or my personal credit card/checking account for online purchases. I have a pre-paid MC that is the only one I will use online (it only ever has the exact funds needed for a specific purchase at that time...nothing extra to be gotten into). I use Western Union money orders for everything else that can't be taken care of with the credit card. It's a bit less efficient but I sleep better at night.