In my opinion, the sentence "saya bisa membayar 'deman' (demand??) dengan Paypal?" is okay. It's often used in daily conversation with question tone. Yes, it's more formal to say "Bisakah saya membayar 'deman' dengan paypal?" , but your sentence is okay too.
Yes, the correct one is 'ngomong-ngomong', however it sounds 'omong-omong' if you say it fast.
I think paypal is popular in Indonesia, but only among people in big cities..but I don't know for sure.