Yeah , I guess once bitten twice shy . I have had 2 refunds paid to me by P/P within 1 day of complaining about the seller . Using a Q/R code to pay is ok and doing a payment by bank transfer too . But giving your card details to an unknown company is dangerous . Similarly , I have heard of some restaurants that take your card , for payment , to their cash till area and copy / clone the card . Having your card details , including the 3 digit security number on the back of the card , gives them access to illegally use your card . Also card details are sold to third parties online . Also I never use an outside wifi without using my VPN .