Pay- pal confusions

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Hi all friends of my lot. Iam a new bee on my lot with only 20 refferals. I have heard about pay pal,whats thatt!! How i can apply for that, how payment will come into this.Is it attached to my bank account?. There are so many questions about pay pal, please help me out in clearing my doubts about pay pal.I would be very thankful to u all friends