I use paypal all the time, if it's an option. It's so much easier than using your credit card. I don't know that I'd use it for large purchases, but for patterns, or fabrics, (under $100), I'd Probably use it. It's easy to set up an account. Just don't believe every email you get saying something's wrong with your account, or it's been hijacked, etc. I get those all the time at work, and the church I work at doesn't have a paypal account! All those fake emails, I just send them right on to the REAL paypal, and let them deal with the thieves.