If you do have a Personal Account and don't have access to the online button creator within your account, a work around is to use this link. There you'll find info and be able to generate the code you need.
Your post stated you want people to send cash ?? Are you actually selling something or asking for Donations ?? Regardless, you can create a basic Buy Now item button or a Donation button. Bottom line, you generate the code, copy and paste it into your web page.
