How to Pay with PayPal Without a Credit Card? To pay with PayPal, you don’t necessarily need a credit card. You can use your PayPal balance. But first, you must transfer money from your bank account. For example, you can link an external bank account to your PayPal using your account and routing numbers. After you link the account, you can make a payment. Alternatively, you can use a debit card. You can link it in the same way as a credit card. Then make a payment. That is how you can pay with PayPal without a credit card.
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