To use balance features, consumers with a personal PayPal account need to set up a balance account, which will have the same login and password as their personal PayPal account. You can get a balance account in several ways. For example, if someone sends you money and you don’t yet have a balance account, you’ll see an Accept the Money button. Once you click on it, you’ll see two options: Transfer it to your bank and Keep it in PayPal. Click Keep it in PayPal and follow the steps to get set up with PayPal Cash. This includes viewing the disclosures, user agreement and confirming your identity with us.