You have to use your head when dealing with these people.
I’ve bought Flare guns with Pay-pal(they shut down anything that looks like a gun).
I’ve purchased all sorts of Pay-pay forbidden things and I haven’t lost a cent.
It does require an ethical person with whom you are doing business with, but crooks get noticed quickly and are usually out of business even quicker.
I haven’t been burned yet.
But they know who you are and where you live. They could report you to the FBI.