There is no other way to know if a seller is trustworthy besides the rating system. And no, eBay will not refund you. Paypal will if the seller doesn't ship you the item and they can't prove that they did.
Similarly, you may ask, is it safe to buy a mobile phone from eBay?
There are good sellers on eBay, but you may also risk buying phones with issues. If you are going to buy on eBay (that is how I bought my Apple Watch), make sure to check out the seller feedback comments and compare the device price to eBay history. If a deal is too good to be true, it often is.
Are the products on eBay genuine?
Ebay is a Auction Site, that means anyone can buy or sell at ebay. Ebay personally does not verify all products it displays, so you have to trust the seller for product. However, if you are using “PaisaPay” a payment escrow service by Ebay.in then, you don't have to worry about payment.
Is it safe to buy on eBay without PayPal?
Fortunately for you there is a way you can buy items on eBay without using PayPal, this method enables you to pay with your credit/debit card through the 'eBay guest checkout'. Virtually all of the eBay sellers accept credit/debit cards and your purchase will be covered by the eBay Money Back Guarantee.