This is one of the reasons I opt for PayPal in the US when I have the choice. I've been in too many breaches. Direct to bank would be better, but I trust PayPal's security more than a random ecommerce website's security.
I caution PayPal would only work if you trusted the original shopping site, and perhaps your "credentials" got breached and used illicitly elsewhere. I got banned from PayPal after I tried to buy an electrical switch, was on an (apparently scam) website, never received the item, and opened a PayPal dispute. The scammer somehow convinced PayPal the item I tried to buy was illegal/against PayPal ToS, which resulted in them banning *me* instead of the scammer.
On the other hand, I see an unknown charge on my credit-card, dispute with my bank, and it's handled.
No way on PayPal,venmo, or any company associated with Paypal... I got screwed over with an unauthorized transaction on my credit card that was attached to a PayPal account... They refused to acknowledge the transaction as unauthorized... My Credit Card that was charged (Amex) on the otherhand, reversed the transaction within 24hours
