My preferred method is over a toll free line to a vendor with a credit card. Since many vendors don't offer toll free lines and I'm reluctant to pay business day rates for long distance, I use my credit card with Pay Pal.

As posted before, the kicker is that the vendor can't send me an Pay Pal invoice or Pay Pal raids my bank account without ever giving me the option to use my credit card. When I emailed them about this their response was they were too busy to respond to emails.

What I've worked out is the vendor telling me by email what the cost of my order will be. Then if I initiate the payment through Pay Pal I'm still getting the option to use my credit card to make payment.

I choose to use the credit card so I have some recourse if something goes wrong.

Ron