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If you can, always pay with a credit card if you have the slightest doubt about a seller, even through PayPal. As long as you have associated a credit card with the account, you have a choice when you pay with it even if you have cash in your account or the account is linked to a bank account. PayPal will instantly initiate a chargeback against the seller. Even if the seller is "in the right," they still lose access to the funds for 30 days (and PayPal makes interest on it!). PayPal pretty much puts all the burden of proof on the seller (even if the buyer is in the wrong).
You can always ask the seller to send you a PayPal invoice/request for payment and within that email is a procedure to make a one-time credit card payment without opening a PayPal account (Paypal tries to bury this in an attempt to get you to open an account but it is there).
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