Have like 5 credits for $4.00 or
10 credits for $7.00 and have paypal be an option for paying.
I don't want to give my banking information to a online game.

The reason there is not a smaller credit purchase amount is because it's really not of any value, since you get your 5 credits back every day. The only thing you can't do is customize your team, but if you buy 5 credits before you join a team then you can't customize it because you're back to 5 in your account once you join the team; this led to confusion so we decided to stop offering the smaller options.

As for payment security, we use Stripe as our payment processor and your credit card information never even touches our servers. In my experience, Stripe is more secure and offers a much better user experience than PayPal (both for you as the end user as well as for us as the merchant).