Is it better to use Paypal or link the credit card directly for payments?

Thanks, I understand now, but I do not have a credit card as I am younger, I only have a debit card. Should I use a payment masking service?

Im guessing the same reasoning applies.

IIRC Its harder to undo a fraudulent debit transaction (because it is as good as cash) as it is to undo a fraudulent credit card transaction.


Could anyone propose a solution? Should I then use Apple Pay? Should I find a payment masking service online? Etc. Thanks in advance.