Paypal

If you are bogged down by the number of scams happening with your credit card then one of the safest solution id to opt for an online payment gateway which manages all your payments. Paypal is one such kind of online payment gateway which can pay all of your merchant payments safe and secured without revealing your credit card numbers. There are many sites which accept paypal for transactions.
There are various ways by which you can get verified by paypal, if you are living in united states of america then you need to either verify your bank account or your credit card.
It offers you flexibility in transactions and withdrawing, you can literally pay any one who has a email address.
It offers various options in withdrawing amount from your paypal account like you can request a check, withdraw to your card, bank account, etc.
Always make sure that you read their disclaimer before opting for a choice.
I personally dont agree with paypal and what i think is they charge you more than other payment gateways. Best choice would be moneybookers about which we will discuss later.