<s>[INST] What does it do that my American Express card doesn't do? I mean, I can order things on the internet with a credit card, can't I? [/INST] Yeah you can. It's hard to explain Pay Pal by analogy since it's really a new sort of entity.
So, what that allows you to do is to send money to a business or person just by entering an email address. And the money easily transfers from your Pay Pal account to their Pay Pal account.
If you have money in Pay Pal account, it will do an internal transfer, almost like a bank transfer. If you don't have money in your account, it'll draw from your credit card or draw from your real world bank </s>