If you set up a Paypal account, they give you certain passwords, etc. Paypal will store your credit card or debit card #. Then when you order from somewhere, like Ebay or some stores, you can click on PayPal logo to have the payment go thru there. I found that almost immediately, PayPal has withdrawn the money from my checking account. ( I use debit card) I have had NO problems with orders when I go thru PayPal....