Pei Pal payment systems registration. Payment system PayPal. Step-by-step registration instructions

One of the most common methods of paying for purchases in foreign online stores is the PayPal payment system. In some cases, when paying, the seller may ask you to provide them with your payment information, in particular, your account number.

When registering with the PayPal payment system, many expect that their personal account will be assigned an individual number, like a WebMoney wallet number or a bank account number. However, PayPal uses a different system user identification- by the address Email.

Among other information, you will be asked to provide an e-mail. This email address will not only be used to verify your account, receive newsletters, and restore access if you lose your password, but also as your main payment ID - PayPal ID.

Thus, the account number in the usual sense of this concept is absent in PayPal; it is replaced by the email address with which you registered your account. So if a seller needs your PayPal account number, just tell him your email address.

In order to secure your PayPal account We advise you to create an e-mail for him on a reliable service with a high level of security (for example, Gmail). Create a complex password for both your email and your PayPal account. In this case, these passwords must be different; you should not use the same password for both accounts.

For safety reasons, it is important to remember one more thing: number bank card , to your PayPal account, is not your account number, and you do not need to share it with anyone. One of PayPal's main tasks is to ensure the security of funds transfer transactions. All payments are made through a secure connection, and payment card numbers are kept secret.

If the seller asks you, in addition to your PayPal account number, that is, your email address, to provide your payment card number, CVC/CVV code, expiration date and other information, you may be dealing with a scammer. Your PayPal ID should be enough for payment; the very essence of the PayPal system is that there is no need to tell anyone your card and bank account numbers and other personal information that can be used for personal gain.

By the way, when paying for goods in foreign online stores, it is not always that you will be required to provide your personal PayPal ID directly to the seller. Popular online auction eBay, for example, offers via PayPal directly from your personal account.

If the seller of the item you are purchasing accepts payment via PayPal, after you add the item to your cart, your personal account the button " Pay via PayPal" After clicking it, you will be asked to log into your PayPal account, where you can make a payment.

So, let's briefly summarize all of the above. The only identifier in the PayPal system is e-mail, for which the account was registered, it must be indicated if you are asked to provide your PayPal account number. Any other payment information - the number of the payment card linked to PayPal, its security code, etc. - must be kept secret to ensure the security of payments.

So, you have read our article “Getting to know the PayPal payment system” and decided to become a user of this most popular payment system in the world. The solution is very logical: the vast world of foreign online shopping will open up for you, you will be able to independently pay for purchases at the ebay auction and hundreds of other online trading platforms.

Did you know that the name PayPal consists of two English words: " pay" And " pal" and literally translates as "pay your friend"?

Opening and maintaining an account with PayPal is completely free. There will be no surprises here. PayPal, of course, is not a charitable organization; a commission is charged for services, but this applies to recipients of funds and sellers.

To register with Paypal you will need:

• A payment card that must contain an amount equivalent to at least several US dollars (otherwise PayPal will not be able to authorize it). You can find out more about which card to choose for work in our series of articles devoted to this issue.
• Electronic mail (e-mail). In theory, any email address will do. As a recommendation we can only offer do not use free services, and if there is no alternative to them, then stick to the most secure ones - for example Google Gmail, Yahoo Mail, Yandex Mail.

Registration in any online service is, as you probably already know, not difficult. And PayPal is technically no exception here. However, there are important nuances that you should definitely know about in advance. This company very carefully monitors compliance with the rules and, if they are violated, can simply block not only the violator’s account, but often others associated with it Accounts with a lifetime ban from registering again. What is worth knowing right away?

• An individual is allowed to have only one PayPal account (there is only one exception: you can have one personal account for personal purposes, and one corporate account for business).
• It is possible to delete your Paypal account, but the procedure is not quick. You submit an application, the account is frozen for 180 days (the period for considering possible financial claims against the owner) and then closed after about a year. You cannot open new accounts during this time. All closed accounts are under close scrutiny.
• You cannot change the country of registration in your account, unlike other data.
• If an account is blocked due to violation of the rules, the funds on its balance are frozen for 180 days and after this time are transferred to the owner. However, if it turns out that the owner’s data is falsified, then he will not be able to receive these funds.

Registration instructions:

You can ask questions regarding how to register with PayPal on our forum.

According to reviews from many users: it is advisable to verify the card immediately after registering an account, because Before the card is verified, there are quite strict limits on the amount of one-time payment sent. Card verification, as a rule, does not cause any particular difficulties for anyone.

Helpful information

1. If you live in one of the CIS countries (except for the Russian Federation and the Baltic countries), then after registering with PayPal your balance will be zero. Don't worry - there's nothing wrong with that, that's how it should be. Funds will be withdrawn from your bank card as needed. When returning, the funds are returned directly to the card.
2. Residents of the Russian Federation and the Baltic countries are allowed to accept payments. The funds withdrawn from the card during registration and verification will be immediately credited to their account balance. In order to send a payment, they do not need to replenish the balance - funds can be withdrawn both from the account and directly from the payment card. For example, if there is a certain amount on your balance, but you need to pay more, then the missing funds will be charged from the card.
3. In Ukraine and Kazakhstan, you cannot accept payments via PayPal, as well as withdraw funds from PayPal to a bank account.
4. After linking the card, no matter what currency it is in, be sure to immediately change the conversion center, setting the default center not to Paypal, but to your bank. Otherwise, there will be extra expenses.
5. Don't experiment with PayPal by introducing other people's cards, different bank accounts, etc. Don't draw attention to yourself. Otherwise, you risk being audited.
6. Do not give your PayPal account login and password to third parties. Do not participate in dubious transactions or accept dubious offers where you are asked to pay for something, promising huge commissions.
7. If you log into your PayPal account from different countries(calculated by IP address) or there will simply be a large number of logins from different computers, it is possible that the security service may suspect that unauthorized persons have accessed the account. Such an account risks being blocked, and you may be asked to send copies of documents.
8. Very often, scammers send fake emails online that look like real emails from ebay, PayPal, CityBank etc. These letters vary in content, but ultimately require one thing from the user: follow the link in the letter and enter your username and password. As you probably guessed, this whole scheme is designed to trick you into giving you your username and password. By following the link, you will be taken to a fake website (usually just a couple of pages) of the company on behalf of which the letter was sent, where you are asked to log in. If you fall for this scam and provide personal information to scammers, you can get into serious trouble. There is only one way out: do not believe everything that comes to you by e-mail, no matter how plausible it may look. Check links carefully. Enter your username and password only on the authorization page, which you reached by typing the address yourself, or using a link from your browser bookmarks. And remember: if we're talking about about a real payment system, it will never require your login and password by e-mail. If you receive such a letter, it means that it was sent by scammers.
9. Do not use "instant" (or prepaid/gift) payment cards that can be purchased online. Such cards, as a rule, do not have the owner’s first and last name (any name can be specified), as well as a plastic carrier - they simply send you a number and expiration date. The cost of using such a card in PayPal can be high - your account will be blocked once and for all. Remember: only a bank can issue a credit (or debit) card after carefully checking your personal data.
10. When returning funds (full refund through "Dispute" or partial refund), the money does not appear on the card immediately. Usually your bank (and the timing depends only on it) keeps them in a “frozen” state for another 3-20 days.

Video instructions for registering on Paypal

Greetings, dear readers of the Rabota-Vo.ru blog! Electronic currencies are increasingly used in all kinds of transactions. Many people use them to pay for utilities and other services, and make purchases through various online stores, settle accounts with business partners.

Runet regulars know very well what WebMoney is, or how you can create a Yandex.Money wallet, but other payment systems are popular in Burzhunet. For example, PayPal (PayPal), which operates in dozens of countries and unites hundreds of millions of active users.

Pay Pal system: features, advantages

The PayPal system is considered one of the most popular in the global Internet space (and judging by new registrations, its rating is only growing). Many people use PayPal when paying for their online purchases and other financial transactions, since the system has many “advantages”:

The simplest PayPal registration account, convenient and intuitive interface;

Security of any transactions, quick refund (when something went wrong);

No commissions when paying incoming bills or making transfers (a percentage is taken from the recipient).

I’ll tell you more about PayPal security, since no one has canceled fraudulent activities online, and according to statistics, out of a hundred payments made directly from cards, two are simply lost (which is 1.8%). The probability that money transferred through Pay Pal system, will go nowhere, 10 times less (0.17%).

If a PayPal user bought something in an online store, but was sent a low-quality product or nothing at all, the system will compensate him for the amount spent. To do this, you need to send a claim and prove that the paid product does not meet the stated criteria.

I have already written about how difficult the user support system in Qiwi is implemented. Well, PayPal doesn't have this problem. Therefore, for those who want create Qiwi wallet, I advise you to think about it. You can also work with the PayPal system from your phone, but everything else is much better.

Registering a PayPal wallet for electronic money, linking a PayPal card

To gain access to PayPal functionality, you need to register there. The developers have extremely simplified the registration process, and creating an account in PayPal is much easier than create a WebMoney wallet or open an account somewhere else. So, in the system PayPal registration in Russian and it only takes a couple of minutes:

Go to the PayPal website and click on the big “Register” button;

Select a country, click on “Open an account” (if you are an individual, then you need a personal, not a corporate account);

Fill out a few lines, click on “I agree and open an account”;

Enter the captcha and click “Continue”;

After this, the system will require you to indicate the number and expiration date of your card (to use PayPal, you will still have to link it to your account), but you do not have to do this right away, you can simply complete the registration and go to the “My Account” page.

It is on this tab that all operations available in PayPal system. But first you need to confirm your E-mail (simply by clicking on the link provided in the message), as well as connect (if you did not do this during the registration process) and then confirm the card.

To link a card to your account, follow the link in the “Notifications” window. There, enter its number (in full) and expiration date. 60 rubles will be debited from it, which will be returned to your PayPal account after you go through the confirmation procedure.

It is not necessary to confirm the card, but it will make things easier. Many similar systems practice similar checks during registrations. For example, take WebMoney loan with formal certificate difficult, you first need to obtain at least an initial certificate, which is issued after verification of passport data.

So, to check the card, you need to get a printout of the payment for 60 rubles that the PayPal system wrote off from it. In the printout opposite the name “PayPal” there will be numbers, the first 4 of them are the confirmation code.

How to use PayPal

This is truly a convenient system; you can figure out how it works quite quickly. I will briefly describe how to use PayPal and perform basic operations: top up your account, pay for something and withdraw money.

Top up your PayPal account

All payments in PayPal are made from a card (you can use Visa, MasterCard, American Express, Maestro) that is linked to your account. Money is debited from it automatically, so there is no need to top up your account in the system itself.

Send funds, pay for online purchases via PayPal

To transfer money to the average user PayPal, you need to know his E-mail (this is his login). Transfers are made in the “My Account” section on the “Send Funds” tab, where you need to select who you are sending money to (friends or relatives).

To pay for a purchase in an online store, you need to mark the appropriate line in the same window. But you can select the “PayPal” option among other payment options on the store’s website, log in and make a payment.

Now about the commissions. If you buy something, the seller pays the commission, not you. If you send money to someone from a personal account, there is no commission either, but if from a card, either you or the recipient will have to pay 2.9-3.9% (this depends on the amount) + 10 rubles.

How to withdraw money from PayPal

If you keep all your money on the card, you don’t need to withdraw anything. But if you use a personal account, you may need to cash out money or complete the procedure of exchanging it for monetary units in another similar system(WebMoney, Qiwi).

Now exchange PayPal to WebMoney very simple, this can be done through the Exchanger exchange. There is now a new section where this operation is performed. By the way, the rate of such exchanges is quite favorable. Well, about exchange PayPal to Qiwi I'll tell you separately. So I’ll go straight to cashing out.

So, you can only withdraw money from PayPal to a bank account, and a Russian one at that. This should be a regular ruble account, not a card. It also needs to be linked to your account and confirmed. Everything is done in the same “My Account” section:

Open the “Withdraw Funds” tab, click on “Add Account”, fill in all the fields;

After this, you can withdraw money (the rate for automatic exchange is quite favorable).

How to exchange PayPal for Qiwi

In Russia, Qiwi Wallet is many times more popular than PayPal. Through it, Runet users prefer to pay for goods and services and try to take urgent microloan on Qiwi wallet, send money to friends and business partners. So I decided to devote a few lines to exchanges between these systems.

I already mentioned that exchange PayPal to WebMoney can be done without any problems through the Exchanger exchange. The service specializes in such exchanges and offers good conditions. Unfortunately, exchange PayPal to Qiwi not possible there, but there are other options:

There are many services on RuNet that deal with exchange electronic money. Among them you can find PayPal to Qiwi exchanger(that is, exchanges do not occur directly, but through other systems). All online services currency exchange services work automatically and offer quite acceptable conditions.

You can also conduct a transaction through an intermediary who deals with such exchanges for a certain percentage.

What reviews do Runet users leave about the PayPal system?

You can find reviews about any payment system online, and PayPal is no exception. But, unlike the same Qiwi Wallet, o PayPal reviews positive. Users note a high level of security, ease of registration, ease of working with a personal account, and adequate technical support. Among the “cons” they mention that:

At PayPal registration account messages do not arrive to some emails;

It is possible to block an account and freeze an account for any, even minor, reason;

When a person carries out any transactions on the PayPal website, the system constantly requires you to enter a password.

Before registering with PayPal, it is better to create an email address @gmail.com. To reduce the risk of blocking your work account, you need to verify the card linked to your account and try to log into the system from other people's PCs as little as possible. And the last of the “cons” is simply a security measure.

Otherwise about PayPal reviews good ones. The system is reliable and is becoming increasingly popular in Russia.

I hope that you will not have any problems with registrations and transactions in PayPal. With this I want to wish you success and good luck. See you again on the pages of the Rabota-Vo.ru blog!

Currently, the PayPal electronic payment system is confidently gaining momentum, and is rightfully considered the most popular in the world. It opens up broad horizons for using funds from a payment card or bank account to purchase goods in online stores and transfer them to other users. Thanks to its ease of use, reliability and security, more and more Russian citizens are trying to use the PayPal system. That is why it makes sense to dwell in more detail on the process of opening a user account in the Russian Federation, which is carried out completely free of charge.

Instructions for registering a PayPal account

The PayPal system opens up wide opportunities for the user to use their financial resources in the virtual space. Mainly, it allows you to make profitable purchases in foreign online stores and on global trading platforms, the main of which, undoubtedly, is the eBay auction. Making payments from a PayPal account, as well as registering it, are completely free.

In order to open your account in the electronic payment system, Russian citizens will need:

• Payment, the account of which must have at least 5-7 US dollars or an equivalent amount in another currency;
• E-mail address.

Of course, the owner of a PayPal account can also be registered using a standard email account provided by free services, but the system security service treats them with caution. That is why it makes sense to register a paid Mailbox with an address like: [email protected].

After both conditions are met, you must go to the official website of the payment system www.paypal.com and immediately determine the desired interface language in the upper right corner, and then click the “Register” button.

The system will redirect the user to the next page, where he will be asked to select the type of account to be created, namely for an individual or for an organization. Then you will need to click the “Open Account” button.

On the account opening page you will be offered fields for entering personal data:

1. Email addresses and user-created password;
2. First name, last name, patronymic and date of birth;
3. Postal address, including street, house number, city, country and region of residence;
4. Phone number including country code and city of residence.

All data must be truthful and up to date. In addition, they should be entered in Latin.

After filling in the required fields, the system prompts the user to indicate the details of a Russian citizen’s payment card, which will be linked to PayPal, namely the number, expiration date and CSC or verification code - the last three digits with reverse side cards. However, you can temporarily skip this registration step by unchecking the corresponding box. This is appropriate to do if there are no funds in the user’s account. Accordingly, the process should continue as soon as the required amount (a few US dollars) is transferred to the balance.

It should be noted that if the user already has an account within eBay auction, then it is advisable to make sure that the user’s personal data in both places matches, including email, last name, first name and login. This will greatly simplify the process of working with PayPal.

The last step in registering an account can be considered accepting the user agreement and privacy policy, for which you need to click the “I agree to open an account” button.

PayPal account verification

In order to protect user accounts from illegal and fraudulent activities, the system involves several actions that allow you to verify your account.

Firstly, you will need to confirm your e-mail address, which was recorded during the registration process. To do this in your email box you need to find a letter with the subject “Activate your PayPal account!”. It contains a link, clicking on which is an act of account verification. When you go to the site, you will have to enter the registered password again: this is how the system verifies the user.

At the bottom of the page there is a “Request a new confirmation number” button, which is provided in case the user has not received any emails from PayPal.

Secondly, it is necessary to verify the payment card, namely to confirm that this particular user is the owner of the attached card. This process is also quite simple. At first. You must agree to withdraw funds from the card in the amount of $1.95 as a kind of deposit. Subsequently, these funds will be returned to the user.

In the statement of card transactions, you need to find the completed payment and enter its code in a special window on the PayPal website. The code should be 4 digits and look something like this: 0123PayPal - *EXPUSE.

According to many users, verification is best done immediately after registering a PayPal account. As a rule, there are no difficulties in this process.

Thus, using the PayPal service opens up wide opportunities for Internet users in Russia, and besides, registering a PayPal account itself seems simpler and more convenient than most other electronic payment systems.

Created in 1998 by former lawyer and financier Peter Thiel and programmer Max Levchin (by the way, a native of the USSR who emigrated to Chicago in 1991). Thiel and Levchin’s project immediately attracted investors: for example, Nokia Ventures immediately invested $3 million in the project, and Deutsche Bank - $1.5 million. The reason for such interest in the project was that the virtual market at this moment is acutely needed a financial operator that would perform the functions of an online bank, and there were no such structures on the Internet yet.

PayPal itself began operating in November 1999 and was immediately able to attract even more investors, including banks, which invested $23 million in PayPal. The rapid growth of the Internet led to a large influx of users. Behind a short time The number of PayPal clients has exceeded 1.5 million, and its turnover has reached $2 million per day!

At the beginning of 2002, PayPal shares worth $900 million were placed on the American stock market. In October 2002, eBay acquired PayPal for $1.5 billion and declared it its basic payment instrument. Today PayPal is the undisputed leader in its field and none of its competitors could even come close to the number of users and turnover with which it operates. More than 90% of online sellers worldwide accept payment for their products only through Paypal.

PayPal Inc. has licenses from regulatory authorities regulating the activities of banks and financial institutions in 29 US states. User accounts in the system are denominated in US dollars and are insured by SafeWeb Insurance against unauthorized withdrawal of money in the amount of $100,000. User funds entered into the system are stored in Wells Fargo bank accounts.

Registration with PayPal for Russians was opened only in 2006, and Russians were able to fully use the system, including receiving money and withdrawing it to a card or bank account, only in 2013.

Some time ago PayPal added support for new currencies. In addition to US dollars, Australian dollars, euros, pounds sterling, Canadian dollars, Japanese yen and Chinese yuan, the service now accepts Czech koruna, Danish krone, Hong Kong dollar, Hungarian forint, New Zealand dollar, Polish zloty, Norwegian krone, Singapore dollar, Swedish krona and Swiss franc. The project website has a multilingual platform that supports the following languages: English, Spanish, French, Chinese (!) and, what’s especially nice, for some time now also Russian.

The Paypal payment system is significantly different from other electronic payment services in that it deals with real money, and not “title units”. Paypal offers a financial instrument by which a plastic credit card or bank account is linked to the user's Paypal account, so that at any time you can directly top up your balance in the system or withdraw money from it.

Paypal revolutionized the world mobile technologies, making instant payments a reality using mobile phone(Paypal Mobile Payments). Users who have activated this service can make payments via SMS without even visiting the Paypal website. To do this, just send a text like “Send $20 to [user ID]” to the specified number, dial the confirmation code, and the payment will be sent immediately. However, this happiness is this moment May only be available to US residents.

Along with undeniable advantages, PayPal also has disadvantages associated, it must be admitted, with the conscientious work of the system’s security service. One of the inconveniences associated with this concerns us directly: Russians are left to look at many of its charms from the outside, since Russian users cannot take advantage of its services in full. True, on October 12, 2011, there was, without exaggeration, a huge breakthrough in relations with PayPal: if previously Russians could only pay for purchases and services through PayPal (at the eBay auction, in online stores, services of hosting companies, etc.), Now in Russia it is allowed to accept payments. However, Russians are not yet allowed to withdraw them from the system: they can only be spent on online purchases. However, if you, as a citizen of Russia, have a bank account in the USA, then you can transfer money to the card.

“The fact that Russians are subject to restrictions on accepting PayPal payments speaks to the ongoing fear of mass fraud. Our users need to be prepared for the security policy of this company, which allows you to block accounts without formal reasons or explanations,” Petr Darakhvelidze, director of external relations of the WebMoney payment system, commented on this fact for CNews. The list of our comrades in misfortune and the “lucky” countries can be found on this page. It must be said that it is difficult to expect a different attitude towards Russians, if almost every new topic with a question about Paypal on any Russian-language forum contains a question in whose name to register an account - in your own name or in Aunt Rosa from Brazil.

The system is generally known for a series of scandals related to the blocking of funds in client accounts or simply freezing accounts if system administrators suspect that the account does not belong to the user. Angry customers even created websites www.paypalsucks.com And www.paypalwarning.com. They host the so-called “Wall of Shame”, which contains “horror stories” told by those who suffered from PayPal. In defense of Paypal, we can say that no other EPS can boast of such a large user audience, and the larger the customer base, the greater the absolute number of dissatisfied people, and no one keeps such statistics as a percentage. Moreover, the burden of leadership in an industry is heavy for any company when every mistake and miscalculation becomes public knowledge and is dealt with with increased scrutiny.

The reason for such a picky attitude towards customers lies in the fact that the main pillar of PayPal's existence is account security. He helped the company survive for many years. And one of PayPal's security tools is clause II.3 of the User Agreement, which states:

“You agree to provide true, accurate and complete registration information... You agree not to impersonate any other person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, irrelevant, or incomplete, PayPal has the right, but is not limited to, to terminate your use of the PayPal services. And PayPal, its agents, suppliers and contractors have the right to require you to cover all costs and damages arising directly or indirectly from inaccuracy or incompleteness of information."

If we study in more detail the complaints about blocking accounts with thousands of dollars on them, in many cases it turns out that users, wittingly or unwittingly, violated these clauses of the User Agreement.

Services provided by PayPal

PayPal offers users the following services:

* Sending a payment (Send Money). A PayPal user can transfer a certain amount from his personal account in the payment system, as well as directly from a bank card or bank account linked to a Paypal account.

*Request to receive payment (Money Request). Using this type of service, the user can send letters to his debtors containing a payment request. You can address your letter either to an individual person or to a group of debtors.

* Posting on the user's website of the tools for accepting payments (Web Tools). This service is only available to Premier and Business account holders.

*Auction Tools. The payment system offers two types of services. Firstly, automatic distribution of requests to receive payment (Automatic Payment Request). Secondly, auction winners can pay directly from the Web site where the auction is held (Instant Purchase for Auctions).

The maximum range of services is available to residents of the United States; almost all services are available in Western Europe, China, Australia and Canada. But for many countries of Eastern Europe (which includes Russia, Ukraine, Kazakhstan, etc.) this set is minimal - at the moment only the first item of the above list is available to us.

PayPal registration and account verification

PayPal offers three types of accounts:

Personal Accounts;
- Premier Accounts;
- Business Accounts.

• Personal Accounts- for individual use only (for direct transfers to friends, relatives, clients, etc.). This account type does not accept credit cards and is intended for internal PayPal transfers. The turnover limit on these accounts is $500 per month. And for an unverified account opened from Ukraine or Russia, a limit of $100 per month is set. Exceeding it may result in account blocking. In addition, as mentioned above, accounts opened from Ukraine or Russia do not have the ability to receive transfers through PayPal, regardless of the account type.
• Premier Accounts- for users who have a larger turnover than their Personal Account allows, and who need to accept payments from credit cards or special PayPal tools (for example, integrating the PayPal payment service with the site).
• Business Accounts- accounts for companies. They are issued on behalf of the company, under its logo and with its details. Such accounts can only be opened by companies with a TAX ID (taxpayer number).

Registration in the system is a simple process.

1. On the first page of the registration form, you indicate your country of residence and your preferred language for working with the system.
2. Next, you need to select one of three types of accounts (see above).
3. On the next page you need to enter your name, correct postal address, email and phone number. If the system does not accept your phone number, try entering it by putting spaces between the codes: +7 495 XXXXXXX.
4. You will then be asked to provide your credit or debit card details. However, this step can be performed later. A necessary condition is that the issuing bank allows payment via the Internet. By the way, a virtual VISA card is quite suitable for registration, which can now be opened in almost any bank.
5. At the final stage of registration, you must verify your email: PayPal will send you an activation code. You will need to not only follow the link, but also confirm this action by entering the password you chose when registering with PayPal.

The PayPal account is linked to the user's bank card or bank account. The user can receive and transfer money from the funds accumulated in the PayPal account, and if these funds are not available or insufficient, then when paying, PayPal charges them from the account or card specified by the user. Thus, when depositing/withdrawing funds, the participation of intermediaries is excluded, and funds can be transferred to the user’s bank account at any time.

Until you provide your bank card details in your account, your account is considered unverified (unverified). To achieve verified status, you must first enter your card details on the Paypal website:

Credit Card Number indicated on the front side of your plastic card. You must enter it without spaces.

expiration date- this is the expiration date of the card. Usually it is listed there.

CSC (also called CVV2) - verification code. These are the last 3 digits on the back of the card (4 digits for American Express cards). If the number is not on the card, call your card issuing bank and find out.

After the card is added to your account, you can begin the verification procedure. Your account will be activated when you enter on the site special code. To do this, you need to top up your Paypal account by bank transfer or payment from a plastic card. Your credit card will be charged $1.95 as a membership fee, which will be returned to you in 1-4 days, and $1, which is usually returned after 30 days. Thus, your card balance must be at least $2.95 before starting the procedure.

In the details of this payment, which you can see on your card transaction statement, you will find a 4-digit code that you need to enter on the PayPal website. In addition to issuing transactions, you can find out this code through online banking or calling the bank's transaction center. After entering the correct code, your account will automatically receive verified status.

Russians should be aware that due to the ban on receiving Money to a Paypal account they can only process payments using money from the card. Therefore, your account balance will always have zeros, no matter how much money is on the card. But this will not prevent you from paying for services and goods in online stores from your card linked to your account.

In Russia, the service of selling prepaid virtual cards for Paypal is now widespread. You can use this service (for example, buy such a card in the QIWI instant service terminal), if for some reason you do not want to trust Paypal with your personal card data. Although a number of resources warn that using such cards is not recommended. They say the Paypal security service may not like them, since they do not allow the owner to be identified. My personal opinion, which I in no way impose on anyone: since the functionality of Russian accounts is already nonexistent, and there is no need to talk about increasing the trust of your account in the conditions of the ban on accepting payments, then it is not at all a pity to lose such an account after making a payment, if provided that there is no money left on it. After which it’s easy to start a new one by attaching another one to it virtual card. A system for confirming a physical address may serve as a measure against such fraud, but the address is not a constant value, it can be freely changed even within one account.

Working with the system. PayPal Transaction Fees

The account number and client ID in Paypal is his e-mail. You can connect several email addresses to your account and receive payments to them. One of them is the main one. You can log in to your account using any of them.

PayPal has the ability to automatically exchange currencies, i.e. if the payment sender's account is opened in a different currency than the recipient's account, the payment will be converted into the required currency. Internal exchange rates can be found on this page of the Paypal website (login required). You can also use my Paypal currency converter. For currency conversion transactions, the system charges a commission of 2.5%. If the exchange rate in the system does not suit you, you can choose your bank as the center for conversion, from the account from which the payment is made. This is done in the section Profile: "My Finances -> My Pre-Approved Payments (click Update) -> Set Available Funding Sources -> Conversion Options." Here you need to select the option "Please issue me invoices in the currency specified in the Seller's invoice."

The minimum transaction amount for PayPal is $1.00 or its equivalent.

Paypal commission does not depend on the account type and is:

• 2.9%-2.4% + $0.30 USD for sellers (Online stores, auctions); i.e., the basic commission for online purchases is 3.4%, but can be reduced for stores with high turnover: the higher the amount of payments received during the month, the lower the system commission for such a store.
• 3.4% + $0.30 USD for personal payments (debt repayment, etc.)

Thus, when purchasing goods from online stores, Paypal does not charge a single penny in commission fees from the buyer.

$0.30 USD is a flat fee for payments in US dollars.

In addition to those indicated, additional fees may apply depending on the country of the seller or buyer. A table of additional fees can be found here. To find out the commission for your specific transfer, I recommend using ONLINE COMMISSION CALCULATOR IN THE PAYPAL SYSTEM .

There are limits in the system (for sending and receiving payments, for withdrawing funds from the account balance), which are imposed on Paypal users according to such criteria as country of residence, account type, etc. The limit can be imposed on either a one-time payment or a monthly turnover. Users from the CIS usually deal with the “Sending Limit”: Paypal does not allow them to transfer a one-time amount greater than $300-500.

What should you do in a situation if, say, you bought a low-quality product and demand a refund from the seller? After all, the seller will not be able to transfer money to your Paypal account. Fortunately, for such a case, the system has a payment return mechanism (refund). The seller can refund either the entire amount you paid ("full refund") or part of it ("partial refund"). The money is returned directly to the card within 3-10 banking days. After sending money, the status “Completed” appears next to the corresponding transaction in the transaction history.

In addition, the system provides a dispute mechanism ( Case ), which is located in the "Resolution Center" section. A dispute can be opened no later than 45 days from the date of payment. When starting a Dispute, you must fully describe the claims against your opponent. As soon as you open a “Dispute”, the amount you paid is blocked on the seller’s account until the circumstances are clarified. Paypal informs the seller that a dispute is open for a specific transaction and invites him to provide his arguments and evidence. If within 7 days the seller does not respond, or you and the seller are unable to resolve the problem, then no later than 20 days from the date of opening the dispute, transfer it to the “Claims” category ( Claim ) is a claim for damages. Then Paypal managers will consider the arguments of both sides and make a decision regarding the return of funds.

You can monitor the status of your dispute in the Paypal Resolution Center.

Paypal Account Security

Account recovery

If your account is blocked or stolen, it can only be restored if you personally contact the Paypal security service. If you provide copies of all requested personal documents, including a copy of your credit card transactions, or confirm the change of your IP address, PayPal security will restore the suspended user account.

Transaction protection

Money transfers with protection are absent in the system. There are also no measures to confirm transactions or significant actions in the account.

The main security measure in Paypal is the denial of service to anonymous clients: they are subject to limits that make working with the system almost impossible. Credit card verification is designed to confirm the identity of the owner of the card used. The security service apparently places its emphasis on the lack of anonymity and the possibility of involving services state security in case of account hacking, as well as strict restriction of access to work by a system of suspicious types such as Russians, Ukrainians, etc. Apparently, these measures are quite sufficient: as stated, the volume of losses of the eBay auction due to fraud is only 0.2% of the amount transactions (Paypal, I remind you, is the basic payment tool of eBay).