In spite of what Paypal, now a part of Ebay, try and bludgeon you into NEVER NEVER pay for anything by bank transfer, or debit card. ALWAYS ALWAYS use a credit card, via Paypal if you wish, since then the credit card company will probably refund any monies lost by fraudulent transactions.
Paypal claim to refund in the case of fraud, but, even if this is so, it takes for ever.
Remember Ebay is really not interested in fraud prevention, only their fees from the sale, so we have to look after ourselves.
Charles WD Pochin.