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I dont have credit card as i m student of 19 so i cant sign up with paypal.
Are you sure you need a credit card to signup with PayPal? I thought they only required a bank account.
My guess is that if you are 19 and don't even have a credit card, it's going to be extremely difficult to get a merchant account.
However, look into Pro Pay. They only have a small annual fee (not monthly), but no setup fee.