you don't have to have a card you just give the person the email address you opened your paypal accout with & they send the money to your account DO NOT GIVE ANY OTHER INFO ABOUT YOUR PAYPAL ACCOUNT EXCEPT FOR THE EMAIL ADDRESS YOU USED TO OPEN THE ACCOUNT WITH also be aware of any email that say they are from paypal and that your account has just send so so amt of money do not open these emails they are from hackers that want your info , paypal only sends you a receipt if you deposit money so watch what you open just go to your paypal account & check your account to make sure you haven't been hacked good luck : )