Paypal normally doesn't accept virtual cards. You can't confirm them and they don't have billing addresses. Advice is voluntary.

Skrill is accepted by over 100 million merchants worldwide including eBay, PayPal, Amazon and many others, though its focus is the facilitation of gaming and online trading.

This is done by completing the corresponding Character Story (marked on your map by a blue indicator) and fulfilling requests from your party members. Maxing out your intimacy with another character is the first big requirement towards partnership  you'll also need to complete the main story.