you can hook it up directly to your debit account--no credit card required.
however, if you make a purchase with only a debit card linked to your paypal it takes like a week for the money to go through which results in torturous wait times when ordering online
i'd recommend throwing a debit on, then asking your mom if you can put her visa on the pyapal account. when you make a purchase with a visa on the account the money will still come from the debit card, but with a backup visa on your paypal the payment will be instant. This way the seller recieves and instant payment and can ship you items right away