If you are a seller, you need to use paypal as the payment method.
If you are just buying something, you can just use your credit card.
There are currently two ways to authenticate eBay accounts:
1. Credit card authentication (use a credit card with the VISA or MasterCard logo);
2. Mobile phone SMS authentication (using domestic mobile/China Unicom mobile phone number),
The two methods for eBay authentication have the same effect. You can choose one of the two to complete according to your needs.