Do you mean that you have never purchased
anything from Photographers' Formulary and
you are thinking about doing so?
I have made several purchases using a credit card
with no problems. Very reliable.
Save for white vinegar, used in compounding the
HT-2 test solution, I order all my chemistry from
the Formulary. A little chemistry does me a long
time. I'm very frugal in it's usage and have too
little time available for darkroom work.
For myself the Formulary is an only source. As
well as the usual large quantities they do sell
small quantities. IIRC my few years ago order
was by mail with check. Dan