Yes when I got things off of ebay!
It is a neutral zone between buyer and seller to be able to use your checking or credit card under secure setting!
This way you get to control the amont to be taken from you account!
If you are the buyer it is free, I think it is the seller who pays a fee!
What is to keep someone else from hacking into your information on Pay Pal? It is pretty scary to me, the thought of someone gaining access to my account without authorization.