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.