Go and download the PayPal app onto your phone. There are two different types to choose from. PayPal and PayPal Here. One is for business and excepting payments (PayPal Here) and the other is personal. You only need the personal to get paid. If you want a debit card call PayPal and they will send you one. Your going to need ththe PayPal debit card so once you set up your account and link it to your personal bank you'll be fine. If you don't have a bank account that's not a problem as you can use your new PayPal debit card anyway.