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Paypal is great for buyers. Free, convenient, and all the protections on it these days seem to favor the buyer. Forcing it on sellers kind of sucks for some of us, especially with some of the fairly invasive protections they have started using. Nonetheless, it still seems to be the best game in town for buying and selling specialized items.

 

No idea why someone would refuse to have a credit card these days. They are very good at picking up fraudulent charges, you aren't liable for anything (I'm speaking from experience on both of these), you make money using them (assuming you can manage your funds well enough to avoid carrying a balance), they are convenient, and they build your credit history.

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