I have also used "Pay-Pal" on a number of occations, and I agree with "dialyn" .........I have never had a problem either? I guess I tend to go to the same "merchants" all the time, so "what-ever" information they have, is the one I use. If it be "Pay-Pal" I do that route .......if it be my "debit" card........I use that one. (: Either way, it's the balance that's in my account, at the moment, that determines the amount that I will spend.