I prefer direct payment with credit card. I use Paypal when there is no other option because I can use my credit card there. I don't have a personal account with them and never would as I've heard that some people have had huge problems with their accounts. The only issue with PayPal is that if you want to use a credit card other than the one you have listed with them, you need to go there first and change it. I refuse to store more than one card with them or anyone and I change them frequently because of security/hacking issues they've had in the past. I much prefer to not have credit card information stored anywhere and to use whatever card I want when I'm ready to buy.