How to create a PayPal Account without any Credit nor Debit Card in 2023?

by Karen Todd

Do you have any idea about how to make a PayPal account without credit card 2023 ? A virtual system of payment that works throughout the world is PayPal. Having a PayPal account is beneficial. We can use this account to send or receive money from the people living far away from us. In short, you can make purchases through it from the merchant all around the world.

You can both send away and receive fund to through this account. As a seller, you can integrate Paypal as a payment method onto your stores for users' easy checkouts. Hence, it is helpful to get insight about making a PayPal account without a credit card in 2023.

Paypal payment system

First, let's understand about Paypal payment system. Credit cards, together with the advancement of technology, have long become the dominant way to make payment. Payment cards have many uses.

The same vast usage is of PayPal. If a Paypal user does not link his/her account to any credit card account, there is no involvement of credit system in it. Another rationale is that the information of a credit card is very confidential to many people. PayPal is considered a secure payment system, but some individuals do not want to take any risk. To them, linking their Paypal to their credit is a risk.

Guides on How to Make PayPal Account without Credit Card 2023

Before learning about how to make a PayPal account without credit card, one needs to to consider the attribute of associating his / her PayPal account with a credit card

When you purchase something by Paypal as the payment processor, Paypal will then take a specific amount of fund from your account’s available balance.

As this Paypal account is already associated with a credit card. If the balance is less than the amount needed to make a payment, there is a charge of the difference onto the card. If not, the client will not make a payment. Paypal balance will be deducted for it.

Now exploring the later case. When the user does not have enough money in the Paypal balance, the credit card company would grant the fund per Paypal's request to complete the buy . Later, the user will receive a bill from the card issuer bank.

From the above explanation, we can see it is logical how the whole Paypal's balance and credit card charge work. Hence, it is essential to notice that when the bill comes, the cardholders are reminded that they should pay off their balance. Now if you already have a Paypal account. That is good. The below guide would help to you to link the account with your credit card(s). Follow these steps:

1. Using a good email and secured password, sign into the account.

2. On the top of the webpage, click on the link named “Wallet.”

3. Place the mouse cursor on “credit and debit cards”. You now should click on the dropdown option from the menu, “Link a card.”

4. You should fill all the information of the credit card, required by the webpage.

5. Choose “Link Card.”

6. You will receive a PayPal code of 4 digits.

7. When received the code, click on the “Wallet” option again.

8. Choose a credit card that can be linked.

9. You should write the code (4 digits) on the available bar.

10. Select “Confirm card.”

11. The applied credit card can be used for multiple transactions.

Now we will discuss next about how to make a PayPal account without credit card 2023. There are many alternatives to create an account without using a credit card.

A Debit Card or a Bank Account will come as the savior

This applies for a few cases. Case 1: you simply do not want to associate your credit card to your PayPal account. Case 2: for some reasons you do not own a credit card. The question is what to do ? One can use a debit card in spite of using the credit card. The debit card works the same as a debit card. Debit cards are easier to be obtained. A debit card is provided for any new checking account at almost any bank. Most of them also have VISA or MASTERCARD logos on for broader usage. The below steps is to link your Paypal account to your debit card or/and bank account.

1. Go to the PayPal website by visiting

2. At the right corner of the webpage, click on “Sign up.”

3. There are two options for you, “Receive Payments with PayPal” and “Buy with PayPal.” You should choose one depending on your aim of creating the account.

4. Select the region from the list.

5. You should add email address and password.

6. Click on “Continue.”

7. Fill the details on a short form that requires your personal information including your name, email address and phone contact.

8. Fill the information regarding bank account or debit card. The debit cards that PayPal accept are the same as credit cards. This processor can be associated to Discover cards, American Express, Visa, and MasterCard.

9. Give details regarding information of bank account.

10. Select if you want to apply for PayPal credit card.

11. Click on “Activate My Account” and confirm the email address.

12. After receiving confirmation of account linkage, you can use your PayPal account.

Another way is to use prepaid gift cards. There should be a logo of Discover, American Express, Visa or MasterCard on the gift cards for Paypal signups

The gift cards contain a specific amount of money. You can reload the amount easily when you want. There is a fee of some gift cards when you use them. It depends on the amount of money that you load on the gift card. Some gift card only charges fee on loading and not on charging

You should know the advantages of using this method after learning how to make a PayPal account without credit card 2023 by using a bank account or debit card. When associating the real bank account to this account, some of the individuals fear for the breach of information issue.

The recipient will not ask you to submit the bank account information when you are making payment using PayPal to another party. No unauthorized payment will be made using this account.

The payment processor contains every record of the users’ transactions. The clients can also regulate their activities because upon transaction PayPal send a virtual receipt.

Another fantastic thing that user can get who has associated his bank account to this account is to cash out his balance.

There are some simple below mentioned steps of withdrawing money from PayPal to your bank account.

1. Sign in or log in to PayPal account.

2. On the left side of the webpage, place the cursor on “PayPal balance,” click on “Withdraw money” from the drop-down menu.

3. Add the amount you are going to withdraw.

4. Select the available withdrawal method.

5. Press on “Continue.”

6. Read all the details carefully.

7. Hit the “Withdraw” button. You’re good to go.

Select Card and Bank Account Information omission during Registration

Please also realize that it is an optional step to fill in a bank account and card information during the registration of PayPal account? If the users are not willing, it is not necessary to do this step. These are the steps that you should follow:

1. Type in the URL and go to the PayPal website.

2. On the right corner of the website, click on the link, “Sign up.”

3. Depending on your aim of creating an account, choose an option between “Receive Payments” or Buy with PayPal.”

4. From the list, select your region.

5. Add credentials such as an email address / password that can be used for log in later.

6. Click on “Continue”

7. Add the personal information involving complete name, registered address and phone number.

8. When required to fill the debit or credit card information, click on “I would rather link bank first.”

9. If you are asked to fill the information of bank, click on “I’ll link the bank later.”

10. Select if you want to apply for PayPal credit.

11. Visit the registered email.

12. There will appear an email sent by PayPal, hit on “Activate My Account.”

13. You can now use your PayPal Account for some activities.

You can also unlink the account if it has already been connected to the bank account or card.

How to sign up for a PayPal account without any credit card (2019) with this method?

Follow these steps.

1. Using registered email address and password, Sign in or login into PayPal account.

2. On the top of the webpage, click “Wallet.”

3. Select on the debit or credit card that you require removing from the account.

4. Go to the option, “Remove card.”

This method will not work in some situations. When there is a pending transaction in your account and the user does not have a credit or debit card account for its recovery, this method cannot be done.

If you use the card as a secondary method of payment for instant transfer to the bank, it can’t possibly be removed when there is negative balance in the account. If you want to remove the card, it must have zero balance or some positive number.

There are some limitations when no association of bank account nor card. When the users access their account, they may receive the reminders to add a bank or card information. It can be disturbing for some people.

In this condition, users are not allowed to pay through PayPal, until they direct some balance for transactions. If no any linked settings on money account, it is still possible to receive the payments.

Hence, the money that you transferred will be present as your balance in PayPal account, and you cannot withdraw it. It is still a good thing to know about how to sign up for a PayPal account without any credit card (2019).

About Karen Todd

Karen Todd's journey as a talented blogger is a testament to her passion, creativity, and commitment to delivering high-quality content. Through her writing, she has the ability to educate, entertain, and inspire, making her a beloved figure in the blogging world.

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