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Need help with setting up commissions

First off, I'm not sure which topic this goes in so feel free to relocate it.

I know people use paypal for commissions, but I'm not sure how to set it up. Well, I do, but it asks for home address but I'm not entirely sure why apart from sending/receiving physical items. I'm a closet furry and is rather not get any physical mail from paypal. Can anyone tell me if they received physical mail from paypal and what for? I privately asked two people who do commissions on FA and just want to make sure.

Also, is a card required? I know it is if you want to link paypal to a bank account, but I just want to use it for digital stuff which won't require a card, just send money from one person to another.
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