Initially we did the "load it" way so if the funds weren't in the account, the purchase would not go through. But over the years, we linked it since it is safe based on several factors. One being they will refund you if you get scammed from one of "their" vendors.
This was years ago, but basically you can look at Paypal and see all the companies they do business with. If it's on the list, then you are protected. We have never had an issue and use Paypal probably 10-20 times a week up to hundred's of dollars per item. Been great for years. Never known anyone with an issue either. You can monitor your purchase immediately on Paypal site if you think you forgot to click the BUY button. Log on and see if it went through. If not, go back and buy it. It's the only thing I use more than my debit cards or credit cards or cash.
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