In the past 2 months I've ordered from the UK and Canada and received both orders with no problems. As I see it if your seeds get delivered you're in the clear. If they get confiscated and you get a note from customs then I'd wait a bit before ordering again.
I've received dozens of orders at my home over the years and never had one not show. Some take longer to arrive than others depending on who I'm ordering from but they've always gotten here.
I usually send cash as well. Never had a supplier rip me off either.
The idea of using a gify type credit card is not a bad idea at all if you're buying from a supplier who takes credit cards. It sure would cut down the time it takes to get your seeds shipped.
Ordering seeds is always risky but even riskier is growing them particularly if you're in the US. I really wouldn't stress to much about ordering seeds. Save up your stress for when you're 3/4 through your grow and you happen to notice something out of the ordinary... cops crusing your neighborhood more often than usual... you know that kind of thing. ))