Payment with visa card

Hello!I have 2 questions.
1.If sell my content(photo,templates etc) and get money and not withdrawals,they(money) stay there?But egg for 1 year?
2.I don t have a paypal accout but i have a bank card (visa electron ).It is possible to receive the money only on the card,without paypal,only the card?
Sorry for my bad english!