It’s one of the most secure ways to pay at retail. Payment card data is only shared with one party, payment methods are tokenized so retailers cannot swipe your payment information and use it again. I’ve had a couple of cards stolen by retailers like a coffee shop, that I had to close. It was a hassle. Also for online payments I much prefer GPay or PayPal, everything is clear, unauthorized payments are obvious and easy to fix.
As far as easy, commercially available stuff I like UniFi. You can set custom recording schedules, or never record. Or only record motion. You can also set privacy zones which are blacked out and not visible or recorded.
You do need one of their consoles or NVRs to manage them though, and they aren’t super cheap.