f paypal, NEVER pay with paypal balance, always transfer every cent to your bank account before you do transaction.
NEVER pay with your bank because it's better to...
pay with your credit card, all the time, sure there might be some times when you might have to pay a .03% fee, but you'll know that if something goes wrong, call them and say "chargeback" the magic words that paypal hates, because paypal resolution center will drag out for weeks and... there's a 50/50 chance it will not end in your favor? but a chargeback is 100% in your favor.