can i receive money without bank account or credit card?

dacabobi
New Community Member

I am in Miami Beach as a student worker from Serbia and I do not have a debit card or bank account, can I receive the payment from turbobit.net and buy on ebay without card or bank account?  Is there a card I can get and link with Paypal even though I am not a citizen of USA?

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2 REPLIES 2

snowshoe
Frequent Advisor
Frequent Advisor

Unfortunately that's going to be a challenge - account "verification" is a "legal" requirement.   When you first setup a PayPal Account, you may be able to do one or two transactions - kind of like test driving a car - however, after that, you will need verify your account, else you won't be able to send or receive funds.

 

Financial institutions such as banks, credit card issues and 3rd party transaction processors such as PayPal are required by law to verify the identity of the person behind any and all Accounts into which money is collected.  This stems from the USA Patriot Act, Title III, Anti-money laundering to prevent terrorism where as institutions put into place reasonable steps to identify beneficial owners of bank accounts and those who are authorized to use or route funds through payable-through accounts.

PayPal takes advantage of the fact that you had to prove to the bank you are who you say you are.  Therefore, by linking and confirming your bank account, the background work has already been done and PayPal has now met the legal requirements to protect themselves.

PayPal's FAQs state: To Verify your PayPal account, just link your bank account to your PayPal account or be approved for PayPal Smart Connect, PayPal Credit, the PayPal Extras MasterCard®, or the eBay MasterCard®.
 
From experience, we’ve learned that in order to use PayPal without limits, it best to link and confirm a bank account (checking account) plus link and confirm a credit card (not the prepaid type) and register your SSN # .  (Note, when you link and confirm a credit card, this acts as additional proof of ID, a backup funding source and allows you to do instant transfers verses sending eChecks or in the UK eCheques.)

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Corneliussuarez
New Community Member

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