Safer in which content?
With payment provider like PayPal, ApplePay, PayDirekt you get buyer protection in case if you don't get your stuff.
Since PSD2 all online credit cards need using 2FA which is realised with phone apps which is secure too you don't get buyer protection but it's more private.
Remember that PayPal sell your data to 600+ companies. Many users are also having trouble with PayPal so that's another side of the coin.