Hello @LarryBohen,
Welcome! Thanks for visiting PayPal's Community Forum. This is a great question. I would recommend having the account owner setup the account with all of their information first for security and legal reasons. They need to be the one to agree to the user agreements, and they should not provide you with the personal information needed to complete certain verification steps.
Once everything is up and running, they can add you as a user to their account. As a secondary user, they can set certain permissions for you to help manage their account, setup buttons, and more without granting access the entire account.
I hope that helps!
- Jon K
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