Replying to [jimejr]:
deside on the products you want to buy, and how many pcs as this would tell you more information about the payments used.
Large order are always use as T/T or L/C, and small orders most supplier still like the T/T, payments like W/U is known as a NO NO,
and some use the pay pal service.
Alibaba have a web site in China for private buyers and we have bought many products no prolem, and use a pay pal card for payment, its been 100%.
If the supplier is true then T/T is ok to use, remember that the supplier as money taken from their account for this payment, $20 is normal, so small orders can be more high.