Paypal is one of the options, as many reputed eBay sellers are moving away from it, due to many frauds. it will be mentioned on listing, what payments the Seller accepts.
I use paypal but i don't know how to check whats left on my card. If you use paypal get a prepaid visa card so if somebody takes out more money then they should its not like wiping out your bank account unless all your money is on that prepaid card. So far according to Paypal I only got charged what I was supposed to get charged. Only buy from people with 100% seller ratings or you could get ripped off.