I have an account but It is linked to my home address and bank account. The problem is that I don't want my wife to "see" the money. This is because her birthday is coming up and that is what this money will be used for. She will be able to figure out what the money will be used for because of the amount (long story) If I do not accept the pay pal will the person that sent it to me be able to reverse the transaction, get thier money back then pay me by another means?