Anybody owe you money? Do you want an easy way for your customers to pay you? Here’s a tool that anyone from babysitters to carpenters to consultants can use to collect their funds.

Just open a PayPal account. Attach it to your business or personal bank account and, as needed, send the email link to whomever owes you. You enter the expected amount and the recipient uses their debit or credit card to pay their bill to you just as with any other online payment.

The three main levels are Personal, Premier and Business. There’s even a student account for teens. So pick the option that is appropriate for your situation and create your account today.