I honestly can't see the problem with buying second hand from an eBay (or suchlike) seller and arranging collection, for example via Shiply.
I don't get why you would have to travel to the seller to pay them? You'd just do a bank transfer/pay by card, surely?
In my experience, some Shiply couriers require paying on delivery (after paying a small initial deposit).
Obviously there's an element of trust involved, but in almost twenty years of using eBay as a buying (and selling) platform, we've never had any issues.
We've bought new and second hand furniture - including sofas - on eBay with no issues. We don't have a van, so have needed to organise a courier and - imho - this is relatively straightforward, the only hassle being the number of quotes you end up getting!
Last year we purchased a second hand sofa (£500, retail price £2k) and had it delivered from Kent to Carmarthenshire for around £50. Very professional guys (three of them!) delivered it to us the same day it was collected. Ditto a chest of drawers last month - came all the way from Yorkshire for just £56 😀
In both cases the item was paid for by card and the delivery arranged separately by us. No issues with having to go and pay in person, although I appreciate you might be wanting to see the item first, in which case you'd most likely be buying locally, perhaps on facebook marketplace etc....
The new sofa we bought (Sweetpea & Willow) on eBay back in 2019 was new and delivery was included in the purchase price. Had to wait about a week for it to arrive, but again no probs.