There is more than one way to skin a cat.
The list might of been a long one but I have limited it to what I feel are safe options that are owned or backed by a good company in good standing and/or highly recommended.
- Google Checkout I have used Google Checkout.
- Revolution Money Exchange I do not have an account with RME at this time. I am considering it. NOTE: A transaction fee applies for check withdrawals, check stop payments, paper statements, ACH returns, and overdrafts. Account issued by First Bank & Trust, Brookings, SD, Member FDIC and part of the Fishback Financial Corporation.
- PayPay NOTE: I did not like that I had to look over every inch of their website to find who was behind PayPay. It is highly recommended and has a large membership. I do not personally use PayPay at this time.
My favorite option is the second account with debit card. You do not lose access to your money if a problem occurs. IMHO, you should always have a more than one option. Even merchants/sellers are leery of where and how they get their payment.
When creating accounts online whether it is for email, payment accounts or just IMs (Yahoo Messenger, AIM, etc) you need a good password. The longer your password is the better. Do not use a password anyone can figure out such as your child's name or birth date or your anniversary, etc. Do use at least two (2) numbers in your password but more is better. Once you decide on a password make it backwards and or in a foreign language. Never, and I mean NEVER give out your password. Do not use the same password for everything.
When you decide you find the item you want online be sure of the merchant you are buying from. I always look for a physical address. If I do not find one I do not buy from them. Second, I look up the merchant or their email address if seller is on ebay.com. You would be amazed what you can find doing a search. If I find a car load of complaints or negative information I head somewhere else. Be sure when you buy from a online retailer or seller that you balance the negative feed back. Just because someone has negative feed back is a bad retailer/seller. You cannot please everyone even if you do it right. Please check for logo showing the seller is hacker safe, listed with BBBOnline, etc. Then to be sure that it is legitimate click on the logo. If there is not link then it MIGHT (I used might because a badly coded website could be the issue also) not be the real deal.
If you have problems with a retailer/seller file a complaint. Check the site for a customer service page, "contact us" link, e-mail address, or phone number to get your complaint addressed or questions answered. If you have a complaint, ask for what you think is fair - even if it's more than the legal terms stated. A merchant isn't forbidden from doing more than required to make the customer happy. If you still are not satisfied with the answers or action taken, contact the Better Business Bureau at
http://bbbonline.org/consumer/complaint.asp (or telephone your local BBB office). or the Office of the State Attorney General in your state or the state where the seller is located. You can find all the state attorney general addresses on the website of the National Association of Attorneys General,
www.naag.org. You may also fill out The Federal Trade Commission's Consumer Complaint Form which you will find at
http://www.consumer.gov/. Click on "file a complaint." If your complaint is about a merchant located in another country, go to
http://www.econsumer.gov/english/.
Wise Online Shopping Practices 
Even when my purse was stolen as I trained "beverage servers" (bar tenders) in alcohol awareness and prevention my identity was not stolen. The thieves or thieve only tried to use my credit cards. 
As not all bank’s offerings are equal or free. 
