PAYPAL PayPal is a secure site; look for the lock.  If you don't have a credit card, a PayPal account does not take long to open, usually 2-3 business days while they check your bank account for accuracy. Do not let this prevent you from opening a PayPal account and ordering this product once your account is confirmed. You want to file your appeal right away, though.  Just follow the instructions that came with your letter of denial.