I opened a paypal account but not yet added any credit card. Will I be able to receive payments and draw them?
You have several option for withdrawing money from your account. Have paypal deposit t to your bank account after giving them a debit or creditcard number, have them mail you a check (it costs $1.50 USD), or you can send the money to someone else. You can even get it from an ATM (it costs $1.00 USD), or use the money to go shopping at any online store that accepts paypal.
