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You don't have to enter your credit card when setting up an account on Paypal. Paypal requires your credit card information if you need your account verified.
There are several benefits to using PayPal. These include, but are not limited to: enhanced credit card privacy, using multiple accounts, the ability to use direct payments from your bank account instead of having to use a credit card among others. As well as this, it is free to create a PayPal account.
Virtual credit cards are best alternative used for account ownership verification for paypal, ebay, amazon, etc. They are also used for shopping online and preferred by online users who either do not have a credit card or those who afraid of using their actual credit card numbers due to fear of being tricked by the hackers. Virtual credit cards are available on the Internet via website selling them. For more on VCC, consider reading articles published at paypal-vcc.com
PayPal Australia does not accept American Express card, because PayPal Australia already localized its website.Having an AMEX card on PayPal Australia will also affect the currency conversion from USD to AUD when you are making a payment using this type of card. You may contact PayPal Australia customer service for more information.
There are many different companies that can help you with payments online. For example you have CCBill, PayPal and ProPay. They all accept credit card payments against a fee.