PayPal payment system and features of creating a PayPal wallet. Creating a Paypal e-wallet and how to deposit money into it

What options does the payment service provide? Pay system Pal to Russian buyers? How to register in it and start making purchases in online stores around the world? Today we will try to understand these issues and look at how goods are purchased using PayPal.

Now on the site you can get acquainted with a huge list of available currencies. It includes 24 items that allow you to freely manage your own funds in all countries of the world. Moreover automatic translation from one currency to another turned out to be a godsend for businessmen who often have to deal with online transfers.

PayPal benefits

Now it's time to move on to the benefits of the PayPal payment system. Their list is huge, which allows each person to quickly select the most important moment for myself personally. We can continue to describe it for a long time, but still we need to dwell on only a few the most useful advantages, which will most interest contemporaries. So it's time to make a list.

User-friendly interface;
Availability of 24 currencies;
International system;
American bank guarantees.

At first glance, the advantages are clear, but still there are minor details that need to be specified. After this, it will be possible to understand the rapid spread of wallets in all parts of the world. There have not yet been such cases when in a decade the payment system would have covered the entire planet. Because of this, it is impossible to refuse to immediately consider the advantages.

User-friendly interface

User-friendly interface is the main advantage noted experienced users. Surely no one wants to understand the details for a long time, so people often prefer to quickly create another wallet. Soviet students were able to immediately select an ergonomic system that fully met the wishes of the population. It has survived to this day, which should not be surprising.

The interface uses intuitive controls that allow you to instantly find necessary buttons. Now the transfer of funds is carried out in one click, so you can easily work with different currencies. It is not surprising that experts admit that so far only Russian competitors have similar quality. Other payment systems greatly disappoint wallet holders.

Availability of 24 currencies

In addition, an attractive advantage is Free access to 24 currencies. In any country in the world you can pay using your own funds. electronic wallet without facing difficulties. Yes, many companies provide the same opportunities to their clients. Even working with virtual debit cards often has similar advantages, but there is another interesting point.

The company also provides people with the opportunity to directly convert funds without engaging the services of other resources. Because of this, transfers are no longer carried out in complex ways. You just need to know how to create PayPal wallet to execute several at once necessary actions with currency. Accordingly, you won’t have to search anymore simple solutions, faced with various difficulties.

International system

Pay Pall is an international payment system that has become widespread throughout the planet. It is quoted everywhere, so users do not face any difficulties. It should be noted that the reasons for such universality primarily arose from the need to cooperate with various auctions. For them, intermediaries are usually hired, who take their percentage from competitors, and now there is an excellent alternative.

The widespread use of American wallets has done its job. Now, anywhere in the world you can freely contact the site and use the available funds. There are no restrictions for various currencies, which means that it is no coincidence that experts recommend this option. Although in some cases you still have to turn to local payment systems.

American bank guarantee

If any user is in doubt, he needs to know that in the USA PayPall is registered as financial organization. Accordingly, any transaction is supported by a gold fund. Due to this, none of the clients have to worry about fraud, since the guarantees of the payment system are quite thorough. For this reason, new opportunities have opened up even for commercial activities.

Guarantees are the main advantage that specialists take into account. Most often, you have to put up with the fact that the transfer of funds comes into question every time. Because of this, businessmen have always preferred cash. Now you can transfer large amounts without hesitation. They will never disappear, making sure to reach the recipient.

Disadvantages of the payment system

It is impossible to name many disadvantages of the PayPal payment system. Although it should be noted that there is an unpleasant nuance, which is the complex confirmation of any transaction. When creating a wallet, you must provide a variety of personal data. However, refusing to confirm them does not allow you to freely work with a ready-made wallet. True, this point is better called a plus, since it is an additional guarantee for customers.

The American payment system is an excellent choice for professional users. They often have to deal with the transfer of funds, so it is more practical to immediately choose a universal option. So you need to agree with the opinion of people who long ago decided to open own business online through easy transfers. After all, this today does not require any special skills or knowledge.

Hello, dear readers of the blog site. Today I want to continue filling the section with materials. Before that, I wrote about, and, which are the most. But not RuNet alone... In the world now the most popular system is Paypal, that’s what I want to talk about in this article.

True, for users from the countries of the former Soviet Union, which form the bulk of today’s RuNet (Ukraine, Belarus and other countries except Russia and the Baltic countries), Paypal does not provide the maximum range of functions, but, as a rule, they are enough for almost everyone. More democratic in this regard is the international monetary system(moneybookers). And they look completely unprincipled or.

For Russia, since 2011, it has become possible to top up your PayPal account from a linked bank card, and since September 2013, it has become possible to use such currency as rubles in transactions, as well as withdraw funds earned or received as a result of a transfer to your account in a Russian bank(no commission).

What has been talked about for so long has happened - PayPal finally came to Russia. Now, little by little, the assortment of Runet online stores will include the opportunity to pay for goods using this electronic currency, and at the eBay online auction there will be more sellers from Russia, who previously could only withdraw their earnings to US banks in dollars, but now have the opportunity to operate in rubles.

Why do we need Paypal and how to use it in Russia

That. It turns out that Paypal is now quite suitable for running an online business in RuNet, and owners of domestic payment systems will have to seriously think about improving the quality, convenience and security of work, because they now have powerful competitor with a very large baggage of developments in the bourgeoisie and with almost limitless financial possibilities.

Well, of course, this system is still ideal for paying for goods you buy in foreign online stores or on. Actually, I have used it precisely for these purposes until now, but I hope that domestic Internet entrepreneurs will begin to actively support it. Why?

Yes because PayPal has a number of interesting benefits.

Under a favorable set of circumstances, this whole matter may end with a refund of money to your account, which will be practically impossible to repeat with the payment methods that online stores in RuNet use now (robotic cash register, etc.).

There is another payment option that is not yet very popular among the RuNet audience - directly from a plastic card (even the cheapest cards allow this). Actually, my acquaintance with Paypal began with the fact that I needed to purchase some kind of gadget in Chinese store. I had two payment options: directly from my Visa Electron card or through sticks (the slang name for this virtual bourgeois money). When I looked at the pros and cons of both, last option seemed more reliable to me. Why?

Well, precisely because it is more reliable and secure in terms of the safety of money on the payment card. According to data collected from PayPal, the probability of encountering fraudulent activity on the Internet when making payments directly from a card is 1.8%, i.e. approximately every fiftieth payment goes to waste. At the same time, when paying through this system you reduce the risk of losing money ten times (up to 0.17%), which is good news. I think that in RuNet the statistics will be approximately the same.

As I already mentioned, you as a buyer will be able to register and make payments with PayPal completely free of charge. True, here again several pitfalls may appear. The system really won’t charge you anything for transferring money, but you can lose on currency exchange (they also earn income from the difference in exchange rates), for example, if you have rubles on your payment card, and the online store accepts dollars.

Although you can set up currency conversion at your bank that issued your card (it’s not difficult, the process will be shown below), if the exchange rate there is more favorable than in PayPal itself. By the way, speaking of greed. The system also receives income from storing on deposit those funds that users did not have time to spend. Well, that's true, by the way.

Commissions and safety of working with money in PayPal

In any case, the cheese is not free, and in this most popular payment system the bourgeoisie they take a commission, but only from the recipient of the money(i.e. from an online store, in our example). This is where the second pitfall lies. The store can do something ugly and add the percentage of the commission charged to it in Paypal to the price of the product (usually around 5%).

Is it true when receiving personal payments Again, you won’t be charged a commission from friends and relatives, unless the money was transferred to you from a bank card linked to your account.

All options for commissions charged in PayPal can be viewed.

But if you don’t encounter both of these pitfalls, then, indeed, you can use the system as a buyer absolutely free, while receiving higher protection from fraudulent actions, and in the case of a purchase on eBay auction- also free guarantee for the correctness of the transaction(if you contact Dispute, the seller’s account will be blocked and the money paid will be returned to you over time, and if it is no longer in the seller’s account, Paypal itself will return the money).

Another thing I liked about Paypal, for example, in comparison with WebMoney, is the ease of registration and working with your account. I have already written in some detail about webmoney and the 99 ways that allow you to work with them with varying degrees of risk of losing your money (, and), but if you take at least a short break from working with this electronic money, you again become puzzled and You understand how unusable and overly complicated everything is.

I really want to hope that the PayPal system will no longer have security problems on such a scale as in WebMoney. Although, theft of registration data and data plastic cards using fake emails inviting you to authenticate on fake sites () is still very popular. But here it will be enough to make a rule - never enter a resource related to money using any links from letters or websites, only from address bar or from your browser bookmarks.

Registration in PayPal and linking a plastic card

To register, go to the Paypal home page and click on the " Register" .

You will be asked to select the type of account you want to register with PayPal. The “Corporate” option provides for a lower commission for receiving funds into your account, but in RuNet the use of this payment system for online business is not yet widespread, but there is an opportunity to create a corporate account, and if necessary, you can use it.

Well, for most future PayPal users the best option will register an account for individuals by clicking on the “Continue” button. You will be asked to fill out a form with personal information. I probably don't need to tell you that data must be real, because “sticks” are very concerned about security and at the slightest suspicion that someone is trying to manage your account, it will be blocked (for example, if you contact it more often than usual different computers or from another country).

How can I unblock my PayPal account? You will receive a letter informing you about the blocking. Just in case, do not click directly on the link in the letter (phishing is possible), but enter their official website from the address bar (https://www.paypal.com/ru/) or from your browser bookmarks. If your account is really blocked, then you will have to send a scan of your foreign or regular passport (the first page and the page with registration), and they may also be asked to send scans of any payment documents.

If you provided incorrect personal data during registration or entered it incorrectly, there may be a problem with restoring access and possible loss of funds frozen in your PayPal account:

As I already said, Your login in the system will be the specified Email. You probably shouldn’t use this mailbox directly to work with mail, because in this way you will reveal your login. Although, this is your personal business. Also, recently it has become mandatory to indicate your number mobile phone, otherwise you will not be able to register. It may later come in handy when restoring access to PayPal if your password is lost.

It is not necessary to immediately enter your payment card details when registering with PayPal. You can simply uncheck the corresponding checkbox and attach it later when you have it. But if you still have a suitable card () and there is an amount equivalent to at least a couple of dollars on it, then enter it full number and the expiration date (located on its front side), and then turn the card over and enter the three digits of the CSC confirmation code:

Confirming ownership of the mailbox you specified is to follow the link from the letter received from Pay Pal.

How to link a card to a PayPal account and verify it

More complex and non-trivial is confirmation of ownership of a credit card, the details of which you specified during registration (or which you connected to your account later). This process is scientifically called verification (). If you do not go through this procedure, then your status in PayPal will be indicated as “Unverified”, and next to it there will be a link “Pass verification”.

In principle, connecting the card and the process of verifying it is not at all mandatory, but by going through it you will most likely increase the limit on a one-time payment, and also reduce the likelihood of blocking your account for any more or less important reason (you won’t have to send copies of documents again) . I advise you not to be lazy and go through this procedure. Also Without verifying your card, you will not be able to receive transfers in dollars and other currencies other than rubles.

First, you will need to log into the PayPal website using your username (the mailbox address specified during registration) and password, and then go from the main page follow the add link and confirmation of your card (there will also be a link to confirm your mailbox, if you have not done so already - see the screenshot above).

Payment card verification is carried out as follows. After adding it, you again enter this page, click on the desired map and select the “Confirm” option. An amount approximately equal to two dollars is withdrawn from your card (I was charged 60 rubles). This money will then be returned to your Paypal account.

Your task is to familiarize yourself through Internet banking, data from an incoming SMS, or by calling the bank (or traveling) with the details of the payment made. The first four digits that would appear in an entry like "PP*XXXX CODE or PayPal*XXXXCODE" are confirmation code (verification) your ownership of this card linked to your account.

For example, in my country (Russia) the amount of a one-time payment cannot exceed 60,000 rubles. This is enough for me, but you can make a reserve for the future and press the button "Increase limits":

Your account limits and capabilities will depend on how much information you have verified about yourself. Ideally, you need to confirm not only the Email box, but also add and then confirm the card attached to the account. Well, in order to get maximum opportunities, you will also need to confirm your passport details by sending a scan of your passport.

In this regard, Paypal turns out to be a payment system that is far from anonymous, but it significantly increases the security of work. It was thanks to this that she became the most popular way payment for won lots on eBay, and at the same time in all large online stores bourgeois. PayPal is not yet so popular in RuNet, but most likely this is a temporary phenomenon, especially in light of the fact that now you can open your account there in rubles and they can, if necessary, be withdrawn to your account in any Russian bank without additional commission. .

Methods for withdrawing money from a Paypal account for Russia

The ability to withdraw funds to accounts in Russian banks and store funds in ruble equivalent appeared in PayPal only in September 2013. Personally, I learned about this in a rather roundabout way. I came across a topic on Sercha (this is one of them) about the fact that WebMoney has official opportunity exchanging sticks on their own exchange.

The principle of operation on this exchange exchange remains the same as the one where different WebMoney currencies are exchanged among themselves (read more about this at the link given just above). In order to make an exchange, you had to link your account in PayPal (which is why I logged in).

A few years ago, I was very surprised when, having gone and logged in to the official Paypal website, instead of almost four hundred dollars that I needed to change, I saw the amount in rubles, which can be seen in the screenshots given in this article. This screenshot was taken a long time ago, when the service interface had a different look:

It turns out that my Paypal dollars were converted into rubles without my knowledge and, what’s nice, they didn’t charge any interest. After that, I went to their help to read about the possibilities of withdrawing these rubles in real life and found out that you can easily transfer them to your current account as an individual entrepreneur and, again, no commission will be charged. Well, in general everything is chocolate.

Alternatively, you can withdraw money from Pai Pal to any account bank card, which you probably have. To know details of the account linked to the card(his number and BIC) can be done either by phone at the bank or through online banking, if you have one connected.

All you have to do is go to the “Account” tab and click on the button "Withdraw funds"(exactly the same button is available on home page service called "Review").

If you have not yet added a bank account to your account, now is the time to do so (by clicking on the corresponding button on the “Account” tab from the top menu):

Next, you will be asked to check the entered details, and after clicking on the “Continue” button you will be informed that An account in a Russian bank would need to be verified. The process of this action is quite simple and is described in the screenshot below.

When the transfers arrive, all you have to do is log in through Internet banking and look at the specific transfer numbers. You will need to enter them on the same “Account” tab.

Actually, all that remains is to enter them:

Your official page on the PayPal.Me website for accepting payments to your account

Relatively new opportunity receiving payments to your account appeared in PayPal. In this case no need to show your email(to which the account is linked) or phone number. You will receive the money to the account to which this PayPal.Me page is linked.

Interesting? Not good? So at first it seemed unnecessary to me, but not so long ago, when trying to withdraw money from one affiliate program another suitable method there was no withdrawal except by specifying an address like PayPal.Me/what_else. I had to create such a page, which I recommend that you do in advance (it won’t be superfluous).

That's it, now you can place a link like https://www.paypal.me/ktonanovenkogo on your website or anywhere else to accept payments from well-wishers, buyers or clients. It will be possible to immediately set the amount that will be requested by simply adding it at the end of the link. Something like this:

https://www.paypal.me/ktonanovenkogo/2000

When clicking on it, the user will see the following oil painting:

Well, this is how it works somewhere. What do you think about the prospects? using Paypal in Russia? Will they crush our domestic players or has the train left and no one will use this money?

Good luck to you! See you soon on the pages of the blog site

You can watch more videos by going to

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Registration in the system

To register with PayPal, a potential user first needs to select their country of residence and interface language from the drop-down list.

Then – the type of PayPal wallet (personal or corporate). The names speak for themselves.

The first one is for individuals. With its help, you can do “shopping” online and receive payments online (that is, the owner personal wallet will be able not only to buy, but also to sell goods).

The second is designed to serve the activities legal entities those engaged in commerce on the Internet (electronic stores and auctions).

At the next stage you will need to list: personal data, including residential address, email, mobile phone number, create a password and repeat it twice. To register corporate accounts, additionally indicate the name and profile of the company, as well as select the main currency for settlements.

By installing the icon in the appropriate window of the registration form and entering information about your credit card (number, expiration date...), you can solve the question of how to link the card to PayPal. This will make it possible to use the money available on it for online purchases through the system.

Next, a letter confirming the creation of an account, an activation link and a code that may be required in the future to confirm the email address will be delivered to the mailbox you specified. The entire process is intuitive and does not require payment.

Refill

So, registration is completed, it’s time to make purchases, but your wallet is empty. The question inevitably arises: how to top up your PayPal account? There are several ways to do this:

depositing money for credit card, linked in the system to a wallet;
receiving funds from your partners and contractors;
purchase of prepaid virtual card and its temporary link to the account in the EPS;
replenishment via other electronic payment systems (WebMoney, Qiwi...).

Two latest methods are unofficial and may result in sanctions from the PayPal administration. They are associated with requests to intermediaries who replenish the counterparty’s account in exchange for real or electronic money from other systems. These methods are also the most expensive. Commissions are usually 10–15%, but for small deposit amounts they can reach 100% or more.

Therefore, there is no need to “reinvent the wheel.” It is better to spend time and effort, open a bank account in the desired currency and link it to your PayPal account.

Account verification

To increase the limits of transactions and achieve greater trust on the part of other participants in the system, each user is recommended to undergo account verification.

To do this you need:

After execution listed actions$1.95 will be debited from the card, which will subsequently be returned to the account.

Once you receive a bank statement, you will be able to see the verification code in the transaction history. By entering it on the system website, you will complete the procedure.

Making payments

Your wallet is replenished, you are ready to make purchases. It's time to figure out how to pay via
PayPal. Two approaches are possible:

using the interface of the seller's website;
completing the translation manually using the EPS interface.

In the first case, you just need to click the “Pay” button located opposite the product being purchased and go directly to payment on the PayPal website.

In the second, you need to perform a certain sequence of actions:

Preliminarily agree on the transaction with the recipient;
Log in to the PayPal website using your username and password;
Check that you have sufficient funds. It should be taken into account that the system does not require a commission from the payer, but card issuing banks may charge it. They may also charge a conversion fee if the currencies of the credit card and payment are different;
It is better to find out all the details in advance from the support service of the financial institution;
In your account, select the “Send payment” tab and go to the funds transfer form;
Fill out all the fields of this form, keeping in mind that in the “To” column the recipient’s e-mail is entered that he has chosen for these purposes. Email addresses for financial transactions and correspondence may vary. It is necessary to clarify all the details;
Click the “Continue” button and go to the final page;
On it, check that the data is filled out correctly, and if you are paying for the goods in an online store, then indicate the delivery address, order (lot) number, product article…. This will make it easier to identify the payment;
Press the button " Sending funds" and wait for the page to refresh to make sure that the transfer was successful.

Refund

One of the main disadvantages of electronic “shopping” is the inability to “touch” the product before purchasing. Often photographs in catalogs turn out to be significantly better than the originals, and the task of returning the money spent becomes urgent.

The best way to solve this problem is to negotiate with sellers. The latter, valuing their reputation, often meet customers halfway. If for some reason it is not possible to reach an agreement, then the client will find himself useful information on how to open a dispute on PayPal.

To do this you need to perform a number of actions:

log in to your account;
follow the link " Resolution Center", located at the top of the page;
press the button " Dispute the operation» and follow further instructions.

The period for opening a dispute is 45 days from the date of payment. If in this case it is not possible to reach a consensus, then the dispute must be converted into a claim, after which the PayPal administration will make a binding decision. If the seller does not have money for a refund at that time, the system takes upon itself to compensate the buyer’s costs.

Withdrawal of funds

This question worries everyone PayPal user. How to withdraw money? Unfortunately, for our compatriots today there is only one completely legal method - transferring to your own bank account in the USA. To do this you need:

log in to your account;
press the button " Withdraw funds» at the top of the page;
follow the link " Withdraw funds to a bank account»;
fill in all the necessary details and click the “Continue” button;
click "Send".

However, not all Russian citizens have accounts in American banks. The use of semi-legal and illegal methods is not recommended for known reasons. Among these methods is contacting intermediaries (in exchange for a transfer from the PayPal wallet, they make payments using the specified details in other electronic systems ah), and receiving a Payoneer card with opening a virtual bank account in the USA.

It is the situation with the withdrawal of funds that is the main drawback of the functioning of the system in the country and the main obstacle to its advancement.

True, in Lately PayPal in Russia has new development prospects. In March 2013, the Central Bank registered the payment system as a non-bank credit organization (NPO). In the future, obtaining a license may make all the capabilities of this EPS available to Russian users, including withdrawal of funds through domestic banks.

PayPal benefits

PayPal counters one, but very serious, disadvantage whole line advantages:

wide, one might say global, application potential (almost all the largest international online stores and auctions accept payments in this system);
the ability to purchase goods without commissions, which are paid only by the seller;
operating with real money, and not “title units”, which eliminates the problem of the issuer’s reliability;
ease of use: registering with PayPal, as well as making payments, is intuitive and straightforward (the recipient's ID is only email address);
the highest level of security, which is the main priority of the system;
no need to install special software;
automatic currency conversion, which allows you to make purchases without additional difficulties;
the ability to make payments from mobile devices;
a detailed system of arbitration and money back.

conclusions

PayPal rightfully occupies a leading place among the world's EPS. With the receipt of NPO status and the opening of new opportunities for domestic users, it can be predicted that PayPal in Russia will gain leading positions in the e-commerce market.

International payment PayPal system is not very popular in our country, despite the fact that in the world it is considered one of the most common and in demand. This payment system has existed for a decent number of years, is very popular in the West and in many other countries of the world, but in Russia it is still not very well known and does not understand why it is needed at all when there are so many others electronic wallets. But gradually PayPal nevertheless gained popularity in our country, and every day there are more and more compatriots registered in it.

So why is PayPal so popular? Firstly, almost all popular online stores and online auctions use this payment system, offering customers to pay using it. This is not surprising, since many people abroad use PayPal as their main online wallet. It is convenient for them to quickly pay for a product or service.

Our compatriots also make purchases abroad, and sometimes they have difficulties because they do not have the wallets of the payment systems that they offer to use in the online store to pay for the order.

PayPal payment on the popular site Ebay

Also interested in PayPal are entrepreneurs, owners of online stores and other companies offering goods and services, including via the Internet. If they want to expand client base, to reach the global level, it is imperative to include PayPal in the list of payment systems with which clients can pay. The process of registering in the system, creating a wallet, and linking a bank card is simple and does not take much time. Therefore, anyone who wants to create such a wallet can quickly do it from a PC, tablet or smartphone connected to the network.

Create a PayPal Wallet

The new client will be offered a choice between a personal and corporate account. A personal account is opened ordinary people, and corporate - various organizations, individual entrepreneurs, etc.

One of the features of a corporate account is that the commission amount is lower when money is received in the wallet. And since money usually goes to corporate accounts, because these are online stores, various companies, etc., this is beneficial for them.

How to create a PayPal account

When registering a wallet, after selecting suitable option, the client will be asked to fill out special form with personal data. You must fill it out very carefully and be sure to provide real data.

The security system at PayPal is quite serious, so at the slightest suspicion that someone else is trying to gain access to the wallet, it will be blocked. They may also have such a suspicion if no one tried to hack the account, and the owner himself decided to subsequently change the data that was incorrect or written with errors.

The email address specified during registration will be used as a login. Recently, it is mandatory to indicate a mobile phone number. This increases security and allows you to restore access to the system if the wallet has been blocked.

Linking a bank card

If you wish, you can link a bank card to your wallet and verify it. This is a little more complicated than just registering in the system and opening a wallet. You need to go to your Personal Area, follow the link to add a card and enter its details. Then you need to verify it. When you link a card, approximately $2 will be debited from it. This is not a fee for linking a card. The money will then be returned by transferring it to your PayPal wallet.

You will need to go to your online bank and look at the history of card transactions. There will be information that a certain amount (usually equal to 2 US dollars) has been debited from the card. The confirmation code will also be indicated there. You will need to go to PayPal again, click on the card and enter the confirmation code in the form provided.

Linking and verification of the card is optional, but recommended. This will allow you to slightly increase your status in the system, and your wallet will not be blocked over every trifle. Also, without a linked bank card it is impossible to make transactions in US dollars, so this is also a reason to connect it.

System commissions and security

One of the main advantages is that in many cases there is no commission or it is small. If a transfer is made from a friend or relative from a PayPal wallet or a bank card that is linked to it, no commission is charged to the recipient.

If the transfer is carried out simply from a bank card of any bank to a PayPal wallet, a commission is also charged from its owner. Although, in this case, the sender can, if desired, pay the commission himself, or assign it to the recipient. Before. As soon as the money is credited to the wallet in the PayPal system, the recipient receives a notification about who pays the commission. If the commission must be paid to him, he can refuse the transfer altogether and it will not be carried out.

As for security, its level is quite high, although scammers still do not give up, trying to gain access to wallets. In order not to fall into their clutches, you need to be careful not to enter your login and password on third-party, suspicious sites that can steal them.

You can top up your PayPal account in the following ways:

From a linked bank card. It is not necessary to top up your account if a bank card is linked to it and there is money there.
Using a transfer from another PayPal account. You can ask someone you know to translate. From a bank account. You can also link a bank account to your wallet in the system, confirm it, and then, using Internet banking, make a transfer. You can also send money to another country using .

You can withdraw funds from your account to either a bank account or a card. Before withdrawing money to a bank account, it must be linked to your personal account and verified. The method for verifying a bank account was indicated above. You can only withdraw money to your account or card.

Video instructions on how to make a Pay Pal account:

PayPal is one of the payment services known around the world, thanks to which you can make online purchases, send and receive quickly and easily cash through global network Internet. This wallet is different good level protection against hacking by scammers.

Registration with PayPal

The registration process takes a short amount of time and is free. In order to create PayPal account, you need to go to the official website and look for the inscription “Sing Up” (“Registration”). Now the user will be asked to select his account type, namely:
1. Personal (personal).
2. Premier (premium).
3. Business (business).

After you have selected the required option, you need to start filling out a form in which you sequentially enter your first name, last name, address, preferred currency for use, work and home telephone numbers, email and password, which is intended to protect your account. The user will then be required to enter Secret Question with the answer, this is done to confirm your identity if you need to recover your password. Before completing registration you will be asked to read license agreement and accept its terms. Now there are literally a few steps left, namely, enter the check number from the picture and fill in information fields about the credit card. MasterCard, Visa, American Express, Discovery are perfect for payments. At the end, PayPal will ask you to confirm the validity of the card by making a payment of a couple of dollars from it.

Wallet replenishment

After registration, the user will have a PayPal wallet, into which the required amount must be deposited before making a purchase. There are several ways to do this:

put money on a credit card that is linked to the system;
receive funds from counterparties or partners;
purchase a prepaid credit card and temporarily link it to your account;
top up using other electronic payment systems (Qiwi, WebMoney).

The last two methods are unofficial, so be prepared that they may entail sanctions from the administration.

Features of use

Before you start, you need to understand how to use PayPal and find out the features of this system. As a rule, all payments are made within a few minutes. So, what do you need to know to carry out a payment transaction:
1. Your personal and individual account ID of the person to whom you need to send the payment. Do not forget that the recipient can be Mailbox seller.
2. Commission. Most often, the buyer does not pay the commission fee, since this percentage is charged to the recipient's account.
3. Safety guarantee. All money transactions and transfers are carried out after re-confirmation of payment.

Linking a card to an account

After registration, the system creates a PayPal wallet, to which you must link your own bank card in order to debit funds from it when paying for the goods. This is quite easy to do. You will need a credit card that allows online payments. There should be at least a few dollars on it. All necessary data is filled in in the appropriate window. Then the amounts of 1 and 2 $ will be blocked on the account, know that the second operation will occur with an addition unique code. This is done so that the system makes sure that the card is yours. At the end, the first amount will be unlocked, and the second will be credited to the user’s account.

Once your PayPal account is verified, it becomes verified and allows you to use all the financial options available in each country.

How to top up your account

In order to deposit funds into an online wallet, you can use a virtual or bank card. To do this, you first need to log in and enter your email and password, then select the “Add Funds” function, which is located at the top of the page. Next, click on the “Add funds from bank account” tab and indicate the required amount. At the end of this operation, you must confirm your actions.

How to top up your account without a card

In order to understand how to use PayPal, you need, in particular, to figure out how to top up your accounts to make purchases without using a bank card. You can do this as follows:
1. Request a transfer from friends or relatives. This will only work if they live in a country where PayPal operates. To do this, you need to use the “Request Funds” function. The user needs to know the email address of the person who should send the funds, and it will need to be indicated in the appropriate column. Then the sender will receive a request by email, and he, following the instructions in the letter, will transfer the required amount of money by one of possible ways.
2. You can top up your wallet using online trading. To do this, we register, for example, at one of the well-known online auctions. Then, in the payments section, you enter your PayPal account information. In the event of a sale, the buyer will transfer the money directly to the seller’s personal account, and then the latter will be able to use the amount at his own discretion.
3. If the client has an account in one of the countries in which the system allows direct transfers without using a credit card, then you can use this method of replenishing PayPal. Many users know how to use their financial account without a card, especially those who constantly pay using this system.

Advantages of a payment service

We can highlight the main advantages of PayPal that make it indispensable:
1. Availability of a personal identifier for each of the system participants. This parameter is necessary for conducting transactions and paying for services. All you need is to know the email address of the person to whom you need to transfer money.
2. Instant payment. All transfers are carried out in as soon as possible. It must be remembered that from the seller in mandatory A commission of 4% will be charged.
3. The presence of specialized mechanisms and systems, the purpose of which is to protect client purchases. These include insurance for the purchase.

Those who know first-hand how to use PayPal can confirm that this system is secure and very easy to use.

How to pay for your purchase

To make a payment, you must fill out the form located on the page of the purchased product, and in the “Payment Method” indicate the “PayPal” option, then click “Next”. The customer’s order will be sent to the service’s personal account, after which you will need to log in to double-check the order data and click the “Pay Now” button. If everything was done correctly, a pop-up window will confirm this.

How to transfer money

To transfer money to another user's account, you need to know how to use PayPal. To send the required amount, you need to log into your personal account and select “Send payment”. In this window you will need to indicate the email of the person to whom the funds will be transferred, as well as the currency and amount of the transfer. Next, select the items “Personal payments” and “Other”, in which all the data must be verified, and only after that you need to click “Continue”, thereby confirming the operation.

Dispute on PayPal

In the event of a non-standard situation that goes beyond the scope of the agreement between the seller and the buyer, the latter can open a dispute, for which it is necessary to provide information about the current problem and attach relevant photographs and links. Once the dispute is opened, the amount that the buyer paid will be blocked in the seller’s wallet and will remain inaccessible to him until the entire process is closed. If desired, the owner of the product can also provide counterarguments that explain the current situation. Thus, the two parties can discuss until they reach a mutual agreement, after which the negotiations are closed with the wording that all problems have been removed.

If the parties do not reach a positive solution, the buyer converts the dispute into a claim, and then the PayPal administration acts as the judge. The responsible person examines all the information provided and makes a decision in favor of one of the parties. If the seller is right, then his blocked funds become available again, and if the buyer is right, then the money spent is returned to him.

Features of the payment system in Ukraine

Since 2007, PayPal has become available to Ukraine, but not to its full extent. Residents of the country can send payments and also connect to their account debit card state bank. For this, it is best to choose a Visa/Master, but not the lowest level.

Most residents of the country know how to use PayPal in Ukraine and understand that they are only competent to pay for purchases. Therefore, their score will be written as zero pointers and zero tenths - “0.00”. Quite often the question may arise about how to pay for orders if there are no funds in the account. This is very simple, since the user’s card is tied to the system, and if not positive balance, then the payment process will be successful. When you connect your card to PayPal, it is often not accepted. There is no need to make common mistakes; it is necessary to take into account that the credit card must be authorized by the bank to make purchases via the Internet. Also known problem is the connection to the system blank card, so it is important to ask experienced people or read instructions on how to use PayPal before getting started. Today, this service is one of the simplest and most reliable ways to conduct a variety of financial transactions.

PayPal in Belarus

Previously, such a payment system was illegal in Belarus, namely, it was impossible to obtain registration before June 17, 2014. But starting from this period, everything became very simple, since this electronic method payment came to this country.

Now you need to sort out all the subtleties and understand how to use PayPal in Belarus. As in Ukraine, the capabilities of the system remain quite limited and are provided only for making purchases and linking cards of the corresponding country. Distinctive feature company is the payment security of this republic.

Currently, all citizens can officially use an electronic wallet to pay for their online purchases. True, as is known from trusted sources, PayPal’s entry into the Belarusian market was not accepted at all and agreed upon with the National Bank of the Republic of Belarus.

How to use PayPal in Russia?

After this payment system appeared on Russian market, it had exactly the same opportunities as in Ukraine and Belarus. Since one of the main functions did not work - withdrawal of rubles, its popularity was not very high in the market electronic services. But in October 2013, Russians finally got the opportunity to use it. On this moment Using PayPal, you can sell and buy goods, as well as manage funds at your discretion. Depositing money is carried out, as before, to the card, but now withdrawals can also be sent to it. A large number of services offered their own options for withdrawing money from PayPal, but after the introduction of such an innovation, users received this opportunity at the official level.