This is an easy process and you don't need to have a credit card to do it either. You can be verified another way, though it has been so long for me that I don't recall what it was but very very simple. To set up a paypal acct. you will need a checking acct or credit card. BUT you don't have to accept paypal as a payment option, you can request all payments as a money order, there is also bidpay, which I know nothing about. Take your picture, fill in the information and put it in the correct section, make sure that your opening line is descriptive so those searching would find what you have, say an opal necklace, then make certain that is in your opener. Good Luck