Do you have to have a bank account or credit card linked to the paypal to be able to accept money and send it to others? If my account doesnt have 1 of those what would happen to the cash that was sent to my account? The reason I'm asking is because my dads credit card expired and when I had it linked to paypal, I was able to recieve money and send it. I want to sell a processor I have and buy a used nextel all online but don't know if I can.