It is quite easy to create a Paypal account.
1. Create a login name. Login name will be an email address.
2. Then create a password.
Once login, go to "My account/ Profile / Financial
Information-Credit/Debit Cards. Just Edit/Remove or Add a Card. Key in
the new card details, click Add Card. Save and Continue.
4. Then, check your card statement in 2-5 days (depending on your financial institution) and find the 4-digit PayPal code for the charge of US$1.00 equivalent.
5. Then, return to PayPal and enter the 4-digit code to confirm your card to proof that you are the card holder. The US$1.00 will be refunded once the 4-digit code is confirmed.
You can still use your Paypal even though the 4-digit code is not yet confirmed.