I am in the UK. As an anecdote - not passing on my credit card details is one reason why I use paypal and then pay Paypal by credit card to get the good disput

I am in the UK. As an anecdote - not passing on my credit card details is one reason why I use paypal and then pay Paypal by credit card to get the good disputes process and I trust paypal more than a unknown random place on the web. I now do prefer to use Apple Pay in this case as I trust Apple more than paypal. I do make larger purchases with my credit card to make any dispute easier. For plumbers and others who don't take credit cards I use the direct bank payment.