I don't know much about bidpay or Escrow, but Escrow seems safe. I want to buy a car using one of these payment methods.

If I am buying a product online via bidpay or escrow is there any way I can be scammed? It seems safe for the buyer, but maybe I need some more clarification if anyone can help.

From what I read I believe Escrow and Bidpay both have the same procedure:

1. Keep track of the transfer
2. Make sure the buyer (me) has the money he says he does
3. Keep the money safe for XXX amount of time
4. Oversee and track the delivery of the goods
5. Confirm from the buyer that the goods have been recieved
6. Send the money to the seller

My main question is:

Can the seller get to my money before I get the product?