Setting up a PAY PAL account is as clear as ditch water, the terminology is not very clear and you have to hunt high and low to find an explanation.
I lost £14 on a reverse payment because i hadn't set up banking service but this was never explained properly when you start up, i transferred some money to my nominated account but because i hadn't realised i neede'd to set up banking, the withdrawl was refused and for the privalage i was charged £14. With that in mind PAY PAL managed to send the two small amounts needed to verify my account without any problem, BEFORE I HAD SET UP BANKING, i did manage to get my money back because i just kept on until i proved the point. They do seem to make the rules up as they go along sometimes.
Just be careful.