A PayPal account can be opened with just an email address and user-selected password. Credit cards, debit cards and bank accounts can be linked to a PayPal account for convenience in transferring money between them, but none of these are essential to opening the account.
PayPal accounts are free to open, and there are no fees associated with using the account to make purchases online. Online shopping is a major feature of PayPal, as a transaction can be carried out without sharing sensitive personal financial information with the seller. PayPal also makes it convenient to pay anyone at anytime, as only an email address or cell phone number is necessary to process a payment.