Most people set up a Pay-Pal account and most Internet merchants take Pay-Pal. From the merchants web page you would select Pay-Pal and be taken there to pay for the merchandise. Only Pay-Pal has access to my debit card account. Don't use a credit car on the Internet, use a Debit Card on an account with only necessary funds in it to limit loses if someone got into it.
Any transactions on the Internet have a degree of risk. Someone out there is always hacking at web sites. So we need to limit our exposure to any possible loses. Using only one payment processor is a good start.
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