How to Use PayPal Without a Credit Card or Bank Number

Image Credit: Jupiterimages/Brand X Pictures/Getty Images

You can have a PayPal account without having a credit card or bank account by purchasing what are called MoneyPaks. You buy them at brick-and-mortar stores, in addition to a service fee. You don't even need to have a PayPal account at the time of purchase, since you don't deposit the money in the MoneyPak until later.

Step 1

Go to a store that sells MoneyPaks. Chains that sell them include Wal-Mart, CVS, Walgreen's, Rite Aid, Kroger and Kmart.

Step 2

Pay for the MoneyPak with the amount you want to add to the PayPal account, plus a service fee, which is $4.95 maximum. You can add between $20 and $500, up to $1,100 at Wal-Mart.

Step 3

Log into PayPal and create an account, if you don't have one. Go to "My Account," "Add Funds," "Add Funds from MoneyPak."

Step 4

Enter the number at the bottom of your MoneyPak ticket, or enter the activation number on your receipt if you bought it at Wal-Mart.


eBay also accepts MoneyPaks.

Things You'll Need

  • MoneyPak

  • Cash

  • PayPal account