As a buyer, I have used PayPal for years without complications. If you want to do the same, it's fairly simple and straight-forward. You got to paypal.com and click on the blue Sign Up button on the upper right corner of the page.

Essentially, you will be linking your credit card through them so you don't have to give that info to everyone you buy from. Once you've done that it's a seamless process that involves entering a password and approving the payment. I've had no problems with their service. It costs nothing to buyers. PayPal makes their money through their sellers.