I use a fake. With the funds and order. Only caused minor hiccups, but I have heard of people losing money and gear from doing so. If it's domestic then use your own. International, it's on you.
I actually tried to order from z before he disappeared and I sent funds then the site went down. I used another name. The only reason I got my finds back was cuz it was the same address on my id, my phone number. I just told the teller it was for ebay and didn't want to give the person I ordered from my personal info. That won't always work though. Just be sure you can afford to lose the money if something does happen. Good luck.