I used Ebay (along with Aliexpress and Tiny Deal) and just use my Visa card for payment. Some places on Ebay say they only use PayPal but when you go to pay it allows you to use your own credit card without joining Paypal. Paypal somehow, in these instances, still get used and they email you trying to get you to join, but I don't. And the sale goes through ok.
I was a member of PayPal about 7 years ago and got "spoofed" for over $3000 due to a bogus email I got from them telling me to update my details. I was at fault here and after about three tranactions of $900 PayPal decided there was some strange going on with my account. After many months and emails etc etc I was able to get these payments reversed . Therefore I have no faith in PayPal. Most banks will look after you if you get onto them instantly.
Never used my phone though but it looks like it would be ok.