Setting up Paypay, help out an old geezer

Caving in and getting PayPay mainly to receive (small) payments in person but how am I supposed to set things up? “There are 3 ways to use PayPay”, the app tells me. “PayPay Balance”, “Credit”, “Credit Cards Other than PayPay Card”, without much explanation at all. I just want to make sure I can receive payments and withdraw the money easily (without incurring a lot of fees) to my bank account (with Resona). I don’t want it trapped like points in the PayPay ecosystem, which seems to be a thing. What do I choose, and is there anything I need to understand about using thr app to receive payments going forward?

by bobbbbgbg

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