How to Payment for Online at Malaysia to be easy ?

Malaysia got many people need to shopping at online , but scare the payment too hard . and now i will get the info for you about the Easy payment

Normal Malaysia  Online Store will use a few payment method for shopping

1) Online Banking ( This is direct banking to bank and after banking need to manually update to seller , and this is no any rule to protector buyer when shopping , because the record just like personal banking only . )
a) Maybank2u
b) CIMB Click
c) Public Bank
d) Hong Leong Connect

2) Payment Gateway ( Online banking , No need update payment , and when no receive item , you can contact this three party payment gateway company to refund  )
a) Ipay88
b) MOL

3) Credit Card  ( Credit card easy use , and protect the buyer , when buyer no receive item , can claim with the credit card payment method company )
a) Paypal
b) Ipay88


Question for this title :
How to make payment easy at malaysia online
how to buy and payment direct in online shopping cart
what is the online banking ?
Malaysia Bank for online ?
what is the Paypal ?
Ipay88 is free?
Maybank2u how to register ?
How to start online banking  ?