I want to ask about AlertPay

Are AlertPay is same with Paypal ? Are AlertPay require credit card like Paypal ? I want to send money to paypal but paypal say 'please enter a credit card' ...so I want try at AlertPay ...so ..are AlertPay is same with Paypal ????

With AlertPay, you fund your account by bank transfer, bank wire, money order, cashier's check or a prepaid card. Credit cards can only be used to send a payment to another AlertPay member for the purchase of products and/or services. You can't fund your account with a credit card.