Paypal I believe will allow you to use a bank account but the process for
authorising the bank acconut is not fast and easy which might deter anyone
from buying anything unless they already have Paypal set up and ready to go

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https://bugs.launchpad.net/bugs/698885

Title:
  Can't buy software without a credit/debit card (e.g. with pre-pay
  cards)

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