Hello. I have a business account with PayPal for my e-commerce business. Do I need to link a bank account before I start operating my store? Because opening an account in Hongkong has been challenging and unnecessarily long or is my account eligible for PayPal debit/credit card so I can withdraw money and also pay directly from my PayPal account at any point of sale or ATM machine. Thank you. I look forward to hearing from you.