Hi wwwayne,
It is true that we're are able to work with banks in order to verify the identity of an account holder, and in some cases require it be done especially if PayPal is used to move money in and out of our system for regulatory purposes. However, we have recently implemented the option to set a card as the primary funding source on the account which sounds like it would be beneficial to you if you do not want your bank account used. Here's how:
To set a primary payment method
To set primary payment method for preapproved payments (single-click)
I hope this helps and thank you!
Michelle
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