Paypal account?

You can open a Paypal account for free. You only have to pay some amount if you use a debit or credit card. I have checked out your profile and your from India am I correct? If you are, based on what I read on the Paypal website's Help Center. International payments: Note: Unfortunately, we’ve had to stop allowing personal payments to be sent to and from India. If you’re sending money for a personal payment to India, we ask that you find another way to pay until we’re able to restore personal payments to this area. If you aren't from India, you can easily open a Paypal account, send and receive money and connect your bank account to your paypal account to easily withdraw your money. It is better if you use the same name and not your husbands name because it easier and less confusing. No deposits required if you use a Personal Paypal Account.

yes you can open paypal account for free and you can add your bank account with paypal and can transfer & withdraw the funds to your paypal account easily

You don't any deposit or any other things to open a account in paypal. It's very easy like create a new email address. so if you want you can use your husbands details. When you will earn any money then you can transfer the money to your paypal account and after that to your bank account. You also don't need any credit card you can use your normal bank account. All the best!