Seravieve - what you wrote reminds me of the process involved in hooking up your Bank Account on PayPal. They make two small deposits into the account, and you confirm the amounts in your PayPal account. After that, the money can be deposited into your account.

I can't see that applying to credit cards, somehow. I thought a person did not need to have a PayPal account to make a payment. Has that changed?

Thanks, folks...will keep on trying to figure this out and appreciate any info you have.