Hi David. If you are in the HubPages Earning Program AND you have a valid PayPay account AND you have given HubPages the email account attached to your PayPal account, then you are set. You do not have to "cash out"/transfer. It is automatically done by HubPages when you have reached the $50.00 payout. This automatic pay out will happen on the 28th of the following month after accumulating at least $50.