You can pay for your purchase through JUST a credit card on eBay. When You do that You only get the Money Back Guarantee for eBay. (MBG) If You go into Pay Pal and sign up for an account there then Pay Pal also has guarantees in addition to the ones on eBay.So, it is better to fill out the personal details on eBay, (name address, email address,etc)and then sign up for a Pay Pal account and put the same details on BOTH accounts so they match. (otherwise You will have problems)although I am Not always happy with pay Pal I do think it adds a layer of protection and My credit card numbers are not all over when I want to make purchases from small independent stores.