I guess if the debit is all you have, then there is no option. I would never use a debit anywhere except your bank. I no longer even use it at the local market. My discover was hacked twice in the last year and a simple call was all it took to straighten it out and get a new card. I don't have confidence that it would be that easy if my checking/savings acct was emptied. Since 90% of my online purchases are ecig related and both hacks were close to places I ordered from recently (stupid paypal bann on US ecig purchases), no way would I use a debit card.