can add utility/insurance/credit card to make payments to
credit card payment must be from linked bank
others can be paid from linked credit card

use cases:
1. some utility company charge fee if pay with credit card, but can add utility account number to paypal and pay bill from paypal
2. when high bonus earning categories falls in paypal, can use them pay utility/insurance
3. some card like bilt requires minium number of transactions to earn points, can pay small amount of bill for several times from paypal