Paypal is available for both personal and business use. You can create paypal account with a valid email address, and then with a Credit Card or Virtual Credic Card (VCC), you can verify that account and link it to your bank account.
You can add fund into your paypal from your credit card account, and you can withdraw money from your paypal account into your local bank account. Paypal is more secure that credit card since by using paypal, all you need for a transaction is your paypal id which is your email address, and your paypal password. This will prevent you of showing or providing your credit card information directly on the internet.