Gimai, I had to change from the paypal option to our authorize.net account. As it turns out, paypal doesn't provide the kind of verification we need. In other words, anybody at all can get a paypal account without having it verified through a bank. All anybody has to do is apply online and it's activated a few minutes later with just an email address check. That's not enough. It's unfortunate too because authorize net is a lot more expensive for us to use than paypal, but that's the way it goes.
Of course, using paypal to send and receive payments for things you're buying and selling once you're iinside orchidBids is fine; I just can't use it as a verification gateway. So yes, you'll need your card info for any transactions with the orchidBids site itself.