If I buy something off of eBay and pay directly via paypal am I protected? The item I am purchasing is a $2800 LV bag and seller is allowing me to make two payments. Any ideas? I have heard many bad stories that people receive fakes and do not get their money back, as once seller takes out the money from their paypal account, then there is no way for buyer/paypal to get the money back from the seller unless they put money back in their account. Would I be more protected if I paid via credit card, bank transfer or check? The item I am buying is authentic. Help, what should I do?