Hi Det3,
Thank you for asking your question in our Community and welcome :).
I understand that you want to receive money without having a credit card. Them ost important thing to receive money is to confirm your email address and to verify the account. Depending on the country we provide different option to verify the account. If you are able to add and to confirm yor bank account in the account it means that you can receive money without the need for a credit card. You can find more information about this in our 'Help centre'.
I hope this information helps.
Dian
