I agree with Scott - the whole payment thing with Paypal is great for online auctions, but I have never experenced a problem with Ebay ( knock on wood) to see if my Visa would back me up with on online sale to a private individual. Has Anyone ever come across this situation..?
If you are too young or have bad credit to possess a credit card, most banks will sell you a gift card for the specified amount of money you require , free of handling charges. You can get these gift cards with the Visa logo and the Visa buying assurance to further protect your purchase.