Is the USA, I have a PayPal Credit Card that I can use just like a credit card although it is really a debt. card. Any mail order, Amozon, local stores, etc. I can spend up to what I have in the account. ! cent more and the card charge gets rejected. Is the UK PayPal different?
I think it started life as a UK company actually, a senior British MP was a Director. it moved abroad a year or so ago.