I think the PayPal idea is good.

I don't know much about Nochex. But most people I know prefer and use PayPal.

When making payments you don't have to type out or give out your card number... etc. I personally like PayPal. Have been using it for a good few years and had no problems with it.

Yes there are charges for certain things and transactions. But how would they keep themselves going if it was all free!