For me it just depends on what I'm purchasing. I prefer to use just my credit card. I have one that just gets used online. I'll use PayPal but just not that comfortable with it yet, probably just don't buy enough. If it's a case of sending a check and waiting for it to clear before it's shipped.....I need to "know" the company/person and REALLY want the product. Now, for a new belt.....just need the $$$ in the bank first