Hi guys, what is the best payment method to use, fee wise and for possible refunds? If using TnG via Alipay do I need to verify with passport first to prevent account freeze? My account is pretty old but I haven't bought anything with it.

I tried to link Lazada wallet but it always ends with CSRF failed error so I can't use it. Next best is 1.5% fee for online banking, I assume no protection if using that? like if you did not receive the parcel as described and need to escalate for refund. I only use PayPal before.