PayPal is -very- easy to set up. You could set it up now & be ready to use it (as soon as they verify your info). It doesn't cost anything to join, you don't need to keep $$ in it (just link it to your savings or checking acct), & you're good to go. I've used it for years & really like it! Here is the sign-up link (give me a holler if you have any problems, OK?): https://www.paypal.com/cgi-bin/webscr?cmd=_registration-run.