I use my PP Balance (which is default, I think) if there is one, or my e-check account which has a limited amount in it on purpose as Primary. My PP Credit Card, which has a max $300 limit imposed by them is the second funding source.
When I buy from an online retailer, I use PP's virtual "one-time" MasterCards. I watch their site daily, and when the purchase is complete, I cancel the card #. That way it can't be used again by anyone - even someone at the original retailer.
It's a nice feature, and the virtual card CAN be used to buy cigars.
