I need the community advice to use Paypal in Zoho Books: bank account? credit card? Paypal own bank account?

I need the community advice to use Paypal in Zoho Books: bank account? credit card? Paypal own bank account?

Hi.
As there are different ways to track Paypal in Zoho Books, I would like to know which one are you using and is working best for you.

I guess my case is similar to most of Paypal users:
  1. When I make payments using Paypal, money is taken from a credit card.
  2. When I transfer money from Paypal, money goes to a bank account.
  3. And when the money is in Paypal, it's not in any bank or credit card.
So, should I create Paypal linked to my credit card (1) or to my bank account (2) ?
Or should I create Paypal linked to a new bank account named e.g. "Paypal account" (3)?

Thanks for sharing your experience!