You should always pay using the Airbnb system when booking accommodation through Airbnb. This way, your purchase and booking are both protected.
If you use a payment method outside of the Airbnb website, your transaction won't be protected by Airbnb. So if you're scammed, Airbnb won't offer refunds.
Don't ever give your payment details to anyone outside of Airbnb if you're booking through the website/app. They shouldn't need your payment details since everything is done within the Airbnb system.