I know people hate on eBay but I've got some really great deals off there on optics. Most, if not all, have PayPal as a payment option... and w/o fees.
I use a guy that runs a shop back east. Buys from vortex direct. He gets me great prices on their optics. If you have a Paypal debut card just use it like a normal credit/debit card. Put your info in and run it. I did that with eurooptics.com