PayPal is the best option to make all your payments. The following is a step by step on how to enroll in PayPal if u dont have a credit card. All u need is a valid. It is easy to set up your PayPal account. All you need is an email address and a credit card. Here is a list of what you will need to sign up for Payflow Services from PayPal : What do I need to get started? General account information; Merchant bank and.