yeah paypal is a credit card thing... thing you have to have one to use it... you basically sign up with your email address, and you link up your credit account to your email address in paypal... so if you wanna transfer money to someone, you gotta have a paypal account, and so do they... and you go to the paypal website and sign in and you type in their email address and send however much you wanna send them... its really simple, you just have to have a credit account...