Security is of the upmost importance especially when it's online. This is why I use highly secure, third party payment processors Paypal and Stripe. When you checkout, you have the option to use Paypal without registering for a customer account on my site. You'll be taken to Paypal to use your usual credit/debit card -you do NOT need to have a registered Paypal account to do this either. It simply means that I don't see/maintain any customer card / bank details. (Even though my site is SSL secured - this also helps with securing the site from fraudster's and hackers)
If you would prefer not to use Paypal for checkout, you will need to create an account registration with my lovely-gifts in order to check out with Stripe third party payment processor. (This is something I am currently looking into for the future, whereby you don't need to create an account first.)
Either way, both payment processor's are highly secure and make it easy to get a refund back to you should you require it.