ebay and paypal

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Are there any methods of paying for products in ebay except paypal such as from direct money drafts from bank e.t.c. And i am currently living in nepal and my nepal SBI bank Visa electron debit card is not verified by paypal. Is it a must that we should have a credit card for verification.Also what type of cards are accepted by paypal??? Aslo what is the concept of virtual cards??? Can anyone make me understand the concepts of virtual cards????