You need a valid bank account, umm...an eBay account. All your personal information entered. Setting up an account may take a few days. You have to confirm the deposits which are random that get put into your account (just a few cents) to verify you're legit.
you do not need an ebay account just a valid bank account once its verified you can buy and accept money from any one you chose. you only need an ebay account to by of ebay. when I first set mine up was to save on discounts when you buy from walmart and toysrus. paypal can be used in a lot of stores
If you sell on ebay you have to have your account set up to accept credit cards. This means that you will be charged fees everytime someone sends you a payment (for an item). Other than that, you can accept money from anyone - all you need is a valid email address!