Basically the services provided by Paypal can be categorized into two groups. First is to send money from your account and second is to receive money. Your account can be funded either using bank account, credit cards or debit cards. The transactions are much more faster that conventional way of sending money using money orders or checks.
There are three types of account you can open. For personal usage, you may opt for a 'Personal' type of account. If you are planning to trade on ebay, then is advisable you open a 'Premier' account, whereby you can accept credit cards and debit cards. If you are doing a business, then is best you open a 'Business' account, as 'Business' account allow for multi-user access. All these accounts come with eBay Tools and Merchant Services for free to use, but it is limited features for 'Personal' account. Paypal is accepted on eBay and merchant websites and payments can be made locally or in 190 countries and regions worldwide. Yes, it is free to open a Paypal account.
You can register for free account at
https://www.paypal.com/my/mrb/pal=W37NCZXXUDPR2
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