Adding a credit or debit card allows the PayPal account owner to make instant payments when the amount of payment or purchase is not covered by the funds that are in the person’s PayPal account. This is yet another layer of verification as the name on the card account must match that on the PayPal account. How to Create a PayPal Account. 1.

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Jul 15, 2020 Can I use paypal without a debit or credit card? - Quora