I've used PayPal for about 10 years. It offers very good record keeping for the seller and buyer. I was purchasing something recently (don't tell hubby) and the person gave me the wrong email address to pay. Added another number to her email. I received confirmation from PayPal saying I had paid her and when she asked when I was going to pay, I sent her a copy of the email showing I had already paid and a copy of the original email from her showing the address to use. It was a mistake easily corrected. You go into PayPal, cancel the original and then pay the correct email. Or you can even invoice them or they can send an invoice to you. The have templates set up to do that. It's very easy to use. It takes 3-5 days to set it up. Seems like forever when you want to buy something. LOL