Nope, you can't do anything until you enter the confirmation code. I signed up for PayPal a few weeks ago and ended up in the same situation. However, if you can access your credit card statement online, you will get the confirmation code from there before your statement appears in the mail. It took me three days before the $1.95 appeared online. I'm with Schlabber here, this is for our security. It just happens the first time you use your new account. And $1.95 is not such a high price to pay for the possibility to instantly send money worldwide. Contact your bank or local Western Union agent and ask how much they will charge you for that service... And they will do it every time you do a transaction.