To buy books from Kobo or Goodreads, you need to have an account for the transaction. PayPal is an online account that enables you to send or receive money, make an online payment and any other type of transaction. You can visit www.paypal.com for more inquiries.
You have to have a bank card to use Paypal. Some companies will let you send a money order however, they won't release the merchandise until they receive payment. Maybe there is a 1-800 # you can call.