Well actualy it's done realy well I paid for mine useing my visa card direct debit from my account to (not the seller but directly to Ali Express) and they hold the money until you recive the item and you are satisfied with it. The seller also has to send your item withing 4 days of the transaction or the deal is cancelled and your money is returned to you in full. Also the seller has 25 days after sending the item to you to get it to your door otherwize they are in breach of the contract and are delt with buy AlliExpress also when you recive the item you have to check it over then if you are happy with it you then put in a confermation of receving it and then you give them feedback and they give you feedback and then 3 days after confemation of you reciving the item they then pay the seller. Also the feedback gives you points for discounts from Aliexpress.
So it's even alot better than EBay IMO.
Also before you buy from anyone check the feedback tab to see what the sellers feedback rating is for an example
Win Lin's Page
So jus be aware who you are buying from and what their rating is.