heyas; to clarify paypal and credit cards: when you sign up for paypal without a credit card, they 'verify' your account by posting two teeny deposits to your account (like 2 cents). you respond back with the amounts, and they know that's your account, cuz you got the info of what got put in it. now, that is DIFFERENT from having a verified ADDRESS. i dunno, but they can't ask my bank what my address is. the only way paypal can verify an address is for you to give them a credit card number, and then the billing address for that card is your verified mailing address. now the two or three weeks ago when i joined the bbay club, their policy was they do NOT accept paypal payments for paypal accounts that do not have verified addresses. at all. doesnt matter if you are u.s., canada, or otherwise. other online merchants don't go through all that 'rigamarole,' but bbay has found it necessary, to try to prevent credit card fraud and being ripped off, etc. i'm sure they do what is best for their business. they may lose customers on the one hand, but maybe they make up for it by not having so much loss to fraud.