PayPal requires that you have a backup funding source, like a credit or bank card, for your subscription. This is a PayPal requirement, not an E-junkie requirement. If you do not have a PayPal account at all or cannot associate a credit card with the PayPal account you do have, then we can send you a link to pay a nonrefundable deposit for a full year of service in advance. You can fund this deposit from your PayPal balance, eCheck or an associated bank account. If you want to go this route, please send an e-mail to our sales department and let us know which subscription plan level you will need, so we can send you the payment link.