Paypal normally doesn't accept virtual cards. You can't confirm them and they don't have billing addresses. Advice is voluntary.
Skrill is accepted by over 100 million merchants worldwide including eBay, PayPal, Amazon and many others, though its focus is the facilitation of gaming and online trading.
Lichess is generally 100-200 points higher than chess.
Ratings are relative i.e meaningful only within pool. Since default starting rating in chess is 1200 and lichess is 1500 this created difference of ratings of about 300 points.
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