After you login to paypal, click the link for it. I think it was at the bottom somwhere, maybe the side. I'm sorry I can't quite remember, and now that I have one it goes to my account not the info page.
It will have instructions on how to get verified (I have a linked checking account). You need to upgrade your paypal to Preferred or maybe it is called Business Preferred. It is free to do though. I do not receive any fees for sending or receiving money.
After you receive the card then you can use it anywhere Debit or MasterCard is taken, in stores or online, or withdraw from an ATM. ATM cost $1 fee.
It is just the same as a Debit/Visa/MasterCard from your bank. Only Paypal is "the bank".
I found this online, which is pretty accurate for what I did to get one:
Requirements to Get the Card There are several prerequisites to requesting a PayPal debit card. In order to request a PayPal debit card you must be a PayPal user for at least sixty days and must have a premier or business account. There is no charge to upgrade your account, but, unlike a personal account which can accept non-credit card payments free of charge, you will be charged the standard PayPal fee of $0.30 + 2.9% of the transaction amount to accept funds (both credit card and non-credit card) from other users. In addition, you must register a credit card with your account. The statement for this card must be sent to a physical street address, not a P.O. box. Finally, your account must be verified by linking it to your bank account. The Debit Card The PayPal debit card works just like a normal debit card issued by your bank.
Now, I'm not sure what all that fee stuff is. I've never been charged a fee and have received many payments.