Okla - I have PayPal account and as far as I can tell it is safe, convenient and easy to use and maintain. Never have had any problems with it. There are several options to choose from when setting up an account but the one I use is just for money to go into and out of. My son has that type of account also, but he has their credit card, too. He likes that part. It's more like a debit card, really, because he can only use it if there is money in the account that the card is attached to. I've sent money to him that way. I just transfer money from my personal bank account to his PayPal account. Very easy to use and the money gets there immediately.
Edited to add that I have purchased items from eBay and other online retailers using PayPal. IMO, it's the way to go. Transactions are immediate and no hassle.
I second all that, very easy, have had it for years w/o any issue or problem. Transaction is immediate, easy peasy.