What is pai sang? PayPal payment system: how to use, withdraw and deposit money. Preparation for registration and further process

The international payment system PayPal is not very popular in our country, despite the fact that it is considered one of the most widespread and in demand in the world. This payment system has existed for a decent number of years and 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 they do not understand why it is needed at all when there are so many other 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 their customer base and reach a global level, they must definitely include PayPal in the list of payment systems with which customers 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. Personal accounts are opened by ordinary people, and corporate accounts are opened by 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 choosing the appropriate option, the client will be asked to fill out a 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 account, follow the link to add a card, 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 card linking fee. 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 username 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 registration in Russian for a new wallet in just a couple of minutes... PayPal registration is a simple process if you read these instructions...

Hello, dear readers of the blog site.

Lately, in my articles, I often mention the PayPal payment system. Sometimes I even insist on using it, as, for example, in an article about the world-famous platform. There are simply times when there is no worthy alternative! So I thought it would be nice to write detailed instructions for registering a PayPal wallet and refer to it in the future.

Before we begin the step-by-step instructions, a short introduction.

Paypal is the world's largest and most popular electronic payment system, which has been part of the company since 2002 (which in itself inspires confidence). This system operates in 190 countries, although it does not provide full services in all of them. One of the countries where the system operates with restrictions is Ukraine.

The most important distinguishing feature of the system can be safely called the provision of security guarantees to both the buyer and the seller. Of course, PayPal is not so popular in the CIS, since there are people here who do not want to share with users.

• By clicking on the link above, you will be taken to the Russian version of the official PayPal website, or, more precisely, to the registration page. First of all, we need to select the type of wallet we want to open. In my case it will be a personal account. If, for example, you have your own online store and want to accept payments using PayPal, then you need to select a corporate account. Have you chosen? Click “Continue” and move on.

• We fill out a small form in which we indicate the country, work email address and come up with a password, after which we click the “Continue” button.

• We are again greeted by a form, but only with a larger number of fields, in which we indicate our first name, last name, place of residence, etc. (see screenshot below). The main thing is to enter truthful information. The phone number must also be working, because it will be used when creating an account. Have you filled in all the fields? Click on “Accept and continue”.

• At this step, add your bank card. We indicate the number, expiration date and CSC number of the card. It is also possible to change the payment address that you indicated a minute earlier.

• Have you indicated everything that is asked of us? Click the “Add card” button and voila, you are the happy owner of an electronic wallet in the PayPal payment system.

Congratulations, mission accomplished. Now you can safely pay for purchases or accept transfers to your PayPal account. As you can see, the registration process is not very complicated. However, people often have problems, so feel free to leave a question in the comments, I will be happy to help.

That's all. I wish you good luck and big income.

Best regards, Stein David.

Those who periodically order something from foreign online stores may have noticed that in addition to the standard payment card options, there is an option to pay through the system PayPal. This system has a lot of advantages, so today I will tell you in which cases it is better to pay through this system and how to register in it.

Why register with PayPal

You need to pay for purchases via PayPal if:

1. doubt your integrity site or seller - if the goods are not sent to you or are sent of poor quality, PayPal will return your money and will deal with the seller itself. On Ebay, for example, all payments are made only through PayPal.

2. you doubt that the goods will reach you— in this case, even if the store refuses to reimburse you for the cost of the lost order, PayPal will return the amount including shipping costs. The same applies to situations when the goods arrived, but were damaged along the way.

All payments made through PayPal are eligible for Buyer Protection. You can dispute your purchase within 180 days after payment.

How to register for PayPal

1. Go to the site PayPal By link and in the upper right corner click the button Sign Up(Register).

2. In the window that appears, select your country of residence(in the drop-down list), enter the contact email(Your email address), enter password(Create your password) and duplicate it(Confirm your password).

• First Name- Name
• Last Name- surname
• Date Of Birth— date of birth in the format “date/month/year”
• Nationality— nationality from the drop-down list
• Street Address 1— residential address in the format “street name, house number, apartment number” (for example, Avocado str., 15, apt.22)
• Street Address 2 (Optional)— if the address does not fit in the previous line, continue in this field. Otherwise, leave the field empty.
• City— city of residence
• Province/Region— region (field is optional)
• Postal Code— postal code (field is optional)
• Mobile— mobile phone number (note that the country code is determined automatically by the country of registration)

We put a “bird” next to the phrase “I confirm that I read, consent and agree...”(a phrase indicating that you have read and agree to the PayPal terms of use - they can be found by following the links And ).

Press the button “ Agree and Continue” (agree and continue).

4. Enter the details of your payment card from which payments will be made (in the future you can change the card or add an additional one).

To do this, enter the following data:

• Card Number— 16 digits of your card
• MM/YY— card validity period (month/year)
• CSC/CVC- three numbers on the back of the card
• Billing Address— address for sending invoices. The registration address you specify is automatically displayed, but you can change it by clicking the Edit button. Since no one actually sends invoices, the address does not need to be changed.

Click on the button Add Card(Add map).

5. If you filled out everything correctly, a message about creating an account should appear on the screen as in the photo below.

6. After this, go to the e-mail that you specified during registration and confirm that this is really your e-mail. You should receive an email from PayPal in which you just need to click on the button Yes, this is my email. In the window that opens, enter your password and click on the button Confirm Email Address.

7. The registration process itself is now complete, but then I advise you to change some settings to make payment via PayPal as convenient and profitable as possible.

For this click on the gear in the upper right corner, and in the bookmark Account change the interface language to Russian in the drop-down list of the line Language(I prefer the interface in English, but this is a matter of convenience). For the language change to take effect, you need to log out of your account and log in again.

In the same tab you can add an address in the block Address, email in block Email and the phone is on the block Phone(to add something, click on the plus sign in the corresponding block).

8. In the section “ Safety” it is important to change only the section “ Security questions” by pressing the “ button Create" Since your card is linked to PayPal, if you log in from an unusual place or if PayPal suspects that your account has been hacked, you will not be able to pay until you answer the security questions. Questions must be selected from a drop-down list, and you can think of the answers yourself.

How to pay with PayPal

By using PayPal You can pay for purchases online or transfer money to friends/relatives/anyone.

Pay for online purchases via PayPal

Almost all major foreign online stores work with PayPal. To check whether the site you need works with this payment system, before paying, pay attention to the proposed payment methods - if you see PayPal icon, which means you can pay through it.

The payment procedure may differ slightly in different stores, but the principle is as follows (I show on the example of the site Cult Beauty):

1. In the payment section, select the section PayPal and click on the “ Proceed to PayPal Checkout” (Proceed to payment via PayPal)

2. After this, the store automatically redirects you to the website PayPal. If you are already logged into the system, you will see a payment confirmation window (as in step 3 below). If you are not logged in, enter your email and password, then click on the “ button Login”.

3. In the window that opens, check:

— delivery address— it will be pulled from the online store data, but it can be corrected by clicking on the “Change” button

— payment card— if you want to pay with another card, click on the “Change” button and either select the desired card from the list (if it is linked to PayPal), or add a new one

— conversion option— if your card currency does not match the payment currency, you can select the conversion option. The system defaults to the PayPal conversion rate, which includes a 2% commission. Therefore, click on the item “ View conversion options” and instead of the item “ Conversion via PayPal"select the item" Conversion via card issuer" Click “ I accept”.

4. Click “ Continue” - if the payment has been completed, a message about a successful transaction will appear on the screen and you will automatically be redirected to the store’s website.

Transfer money to friends via PayPal

You can transfer money via PayPal to individuals, provided that in their country of registration PayPal works to accept payments, and if you know their email. Let me make a reservation right away that in Russia PayPal works both for accepting funds and for paying in stores, in Ukraine - only for paying in stores.

To make a transfer:

1. Go to “ Sending payments” and select the item “ Send funds to friends and family”.

3. Enter the sending amount, select the currency, enter a message in free form (optional) and press the “ button Continue”.

4. We check whether the transfer will be made from the desired card (if you have saved several cards, you can change them in the “Change source of funds” section) and pay attention to the transfer fee.

5. And beyond select the conversion rate, if the currency of your card does not match the currency of the transfer. Here, too, the default is “ Conversion via Paypal”, which needs to be changed to the item “Conversion at the rate of the issuing bank” by analogy with paragraph 3 of the previous section (about paying for purchases on the Internet).

6. If the payment is successful, the following message will appear on the screen

I hope the post was helpful. If you have any additional questions, write them in the comments - I will be happy to help.

See promotional codes and discounts in foreign online cosmetics stores

The Internet has long become a huge trading platform, and banking systems follow the modern needs of users. For the convenience and speed of transfers between Internet users, there are many electronic commercial tools. PayPal was created primarily to serve eBay, one of the largest consumer marketplaces on the Web. Having become convinced of the efficiency and safety of the system, buyers and sellers began to actively use the system for payments. Currently, more than 100 million active accounts are part of the international PayPal system.

What is PayPal?

The payment system combines not only a system for helping to conduct money transactions on the Internet, but also a full-fledged bank account with the basic functions necessary for managing funds. PayPal is a bank that can be interacted with on screens in real time. No offices, no employees, just a user, the Internet and a personal account with a set of the most necessary tools. The difference between PayPal and real banks that serve clients in branches and offices is that the range of banking services is extremely limited. PayPal's main functions include transferring funds between users online, interacting with other banks that accept credit and debit cards, and generally managing user funds held in accounts. Additionally, this system provides transaction control services, providing guarantees for sellers and buyers.

Why PayPal?

In any case, if you are planning some kind of turnover of funds on the Internet in the future, it is recommended to open an account with PayPal as quickly as possible and immediately verify it as a full-fledged personal wallet. This needs to be done for three objective reasons:

1. PayPal is one of the largest, most profitable and secure online banking systems in the world. You will most likely need to use it when working with serious clients and partners, especially abroad.
2. The trust of many users in PayPal, both in Russia and abroad, also speaks in favor of the system.
3. Verification in the system takes time, sometimes up to 1 month. To be ready for full-fledged financial transactions with a PayPal account, you need to go through the personalization procedure in advance.

Account types

The system provides two main types of PayPal accounts. What is a personal account and how does it differ from a business account? It's simple, as standard PayPal provides the ability to top up your account and use it for online purchases. Initial registration requires a minimum of user data; for rare online purchases, you don’t even need to link a bank account to your account. A personal account does not require any investment on your part for maintenance. The disadvantage of such an account is restrictions on the movement of funds. Every month you will be able to operate with a total amount of no more than 200,000 rubles, transferring no more than 60,000 rubles at a time. Moreover, the account balance cannot exceed 60,000 rubles. For an ordinary buyer, such limits are quite acceptable, and there is no need to improve the account. For those who do business on the Internet, for example, resell goods, or simply decide to actively use a PayPal account for online transactions, these restrictions will be quite inconvenient. Of course, a personal account is not limited to these insignificant amounts; it’s just that the PayPal system needs user personalization to work fully. To increase the limits almost 10 times and remove restrictions on account transactions, you must provide the site administration with evidence of your existence. This must be an account in a real bank, registered in your name, as well as a scanned image or photo of a document proving your identity. Remember that the system prohibits the creation of several personal accounts for one user; this is punishable by disabling all accounts from PayPal.

Registration in the system

PayPal on the Russian official website greets us with a nice picture and a minimum of functionality. Information on products is general, registration is simple to make it easier for users to connect to the system. To register, the system only needs to know your email address, after which you can confirm it and use PayPal to pay for goods and services online. After such registration, transfers and payments in the amount of no more than 15,000 rubles are available to you, the same amount can be stored in your personal account, and the total monthly volume of funds movement is limited to 40,000 rubles. Also, users who have not passed verification will not be able to receive transfers from other users and withdraw money. PayPal also offers an option in which restrictions can be partially lifted. It is also possible to gradually increase the limits when connecting a bank account and confirming your identity.

Connecting a bank card

Of course, with a zero balance, purchases are impossible, so you need to top up your account or simply link a bank card. The type of card does not matter; it can be either a debit salary card or a credit card. The main thing is that there are funds on the card account to confirm actions.

When entering data from the card, an amount of 1.5 € will be deducted in two payments, the amount of which will be a code, so cards with a zero balance or a close credit limit cannot be linked to the account. This amount will not go anywhere. If the card is successfully verified, it will be credited to the PayPal account within 24 hours, otherwise it will be returned to the client’s account. After confirmation, the card can be used for payment as usual funds in the account and you do not need to think about how to top up your PayPal account. This money will not be displayed on the website, since it is not direct savings of the system. Third-party sites and sellers of goods will not be able to find out any details of your payment cards, which means that the money on them will be inaccessible to fraudsters on the Internet.

How to withdraw PayPal?

In addition to paying for purchases and services on the Internet, users can receive transfers from friends, refunds for goods and other external top-ups to their PayPal account. What is a payment system without the ability to withdraw money? A special feature of the system is that it is not possible to withdraw funds directly to the card; you must provide the details of the bank account to which the card is registered. This happens because PayPal works directly with banks, avoiding intermediaries and expedited paid services, saving you money. In addition, as already written above, a linked bank account registered to a specific individual increases the level of access and allows you to use all available functions of the system. To confirm, the system will send a micropayment, in the comments to which a confirmation code will be indicated. This increases the account verification time to five days, but serves as a guarantee of the safety of your personal information and savings.

Bank card details

When using a bank card for payment and withdrawal of funds, in the second case it is necessary to indicate the details of the institution specified in the service agreement. You can also find out this data at the bank’s online reception or at the nearest branch of the operator. Additionally, the system may request copies of your identification documents. And the most convenient thing is that you will not have to pay a commission when withdrawing funds or paying for purchases through PayPal. Sberbank and other Russian banks allow you to process ruble deposits directly, while the system converts other currencies into the ruble equivalent at the current exchange rate. But for this you will have to pay an additional commission specified for such transactions in PayPal.

For legal entities

In addition to servicing personal accounts, you can also use PayPal to conduct business. What is a business account or corporate account? Such accounts involve servicing accounts with multiple users with different forms of access to funds. Corporate accounts also provide additional services relevant for legal entities. It is important to remember that registering a corporate account takes about two weeks. They are spent on document verification and information processing, during which account transactions will be unavailable to the user. Never transfer your active personal account to the corporate level, even for an individual entrepreneur. A personal account can be used separately from a company, and if necessary, transferring money between them in the system is quite simple. PayPal provides the opportunity for each user to create two accounts of different types, since the users will be different entities - individuals and legal entities.

Business services

The main service provided by a corporate account is servicing legal entities. According to the legislation of the Russian Federation and many other countries, a company cannot conduct settlements with clients through a personal account registered to an individual.

Providing access to the account to several users registered in the system accordingly. These may be executive and commercial directors, accountants and other persons responsible for the flow of funds in your company.

Express payment features and a payment button allow your customers to pay for goods without unnecessary delays. These functions are implemented in various ways, including using the services of system partners to correctly integrate the payment option on your website.

PayPal takes full responsibility for ensuring the security of working with bank cards, allowing you to save on encryption systems and user data protection.

The built-in system for creating invoices for payment will allow you to quickly and conveniently prepare an electronic form sent to your clients. Using templates is completely free for corporate account users.

Working with foreign clients using PayPal expands your business opportunities. Thanks to the electronic payment system, you can interact with customers in more than 200 countries with 25 types of major currencies.

The ability to take into account commissions when calculating taxation, especially for the 15% simplified tax system form.

Some subtleties

According to the laws of the Russian Federation, transfers between corporate accounts are not possible. Thus, all payments to your organization's PayPal account can only be made by users of personal accounts. To interact with corporate partners or clients, you should use a personal account or other methods of transferring funds other than PayPal. Online stores engaged in servicing organizations should immediately think about an alternative payment method that complies with Russian legislation. It should also be taken into account that the use of credit cards by users from Russia is limited, of which buyers will be notified by a corresponding message when attempting to make a payment.

Registering a corporate account

As mentioned above, it is better not to convert an active personal account to a corporate account, but to create a separate account specifically for the organization. A person who has access to a bank account must first indicate his personal data, and in the next window - the organization’s data. To verify them, you will need scanned or photographed images of a business license, TIN, certificate of registration of an organization or individual entrepreneur, as well as an identification document of the general director. All documents in the images must be easy to read, not contain editing elements and be clear enough, otherwise the account registration process may be delayed. After confirming the verification of documents, you need to go through the procedure of linking a bank account, similar to a personal account. All these actions can take up to 1 month, provided that the scanned documents are completed correctly. After this, you can use the account to accept payments from clients.

Commissions

Another feature of the system is the absence of any fees, except when PayPal payment is received into your account. Thus, an inactive account of any rank does not itself require investment. Moreover, the buyer pays for purchases without additional fees, the commission is deducted only from the seller, and its size depends on the total turnover of funds in the account for the month. With a minimum sales volume, the commission without taking into account currency conversion will be 3.9% +10 rubles of the amount of the received payment. The commission percentage can be reduced to 2.9% for a turnover of over one and a half million rubles. Transfers of funds between accounts within the system are not subject to commission if the account balance is used. More information about all types of fees can be found on the PayPal website.

GENERAL QUESTIONS

What is PayPal and what does this company do?

"What is PayPal?" - this is the first question that arises for anyone interested in this system, so we’ll start with it. PayPal is an American company that occupies a leading position in the global Internet payment market. It operates in 203 countries, operates in 25 currencies and has more than 230 million active users. It is characterized by simplicity and at the same time a very high level of security, which is especially important when conducting financial transactions. The literal translation of the name is “pay your friend” (pay – pay, pal – buddy) .

I have a bank payment card, why do I need PayPal?

There are many reasons. Let's name the main ones.

Firstly - convenience. Sending and crediting funds occurs instantly. In one click you can send money to the other side of the globe, because... PayPal is known and accepted everywhere, unlike other electronic payment systems (such as, for example, Webmoney, popular in Russia).

You can easily pay for goods at any of the regional branches of the ebay auction and in hundreds of other foreign online stores, including where certain difficulties may arise when paying directly with a payment card issued in the Russian Federation, Ukraine, Kazakhstan, etc. . The fact is that many stores are especially attentive to orders from countries where the level of fraud with payment cards is high, and may well either request copies of the card and passport or cancel the order. When paying via PayPal, you are guaranteed to avoid such “pleasures”. It is believed that the buyer's use of PayPal is already a significant guarantee of security.

In addition, you do not need to enter your bank card details and delivery address each time - just log in to your PayPal account when placing an order. At the same time, residents of the Russian Federation and the Baltic countries can receive funds to their PayPal accounts - both personal payments and payments for sales.

Secondly - safety. Have you ever been robbed? Do you know this feeling of anger and powerlessness? No matter how much effort banks, developers of security certificates, stores and payment systems make when working on the security of transactions, it is still impossible to say even with 50% confidence that attackers will not be able to steal bank card data at some stage and simply rob them owners. Even large, respectable trading platforms periodically report the theft of customer data. Do a news search!

And the easiest way to “lose” data is when paying in small, unfamiliar online stores. Yes, what can I say, sometimes cunning scammers deliberately create clones of pages of well-known stores or entire stores in order to extract data from inattentive customers.

When paying via PayPal, payment card data is not transferred anywhere, and the service itself is, in fact, one of the most secure portals in the world. Huge amounts of money are spent on maintaining its safety and the best specialists in the world work. Therefore, when you pay for your order via PayPal, you can rest easy.

Thirdly, protecting the buyer from unscrupulous sellers. Defense tool - dispute , which is available to every PayPal client, helps in case of problems during the transaction at all its stages. It will allow you to return the money paid in full or in part if the product is not received or does not correspond to the description. Anyone who has encountered problems during a transaction will confirm how useful and necessary a tool it is in online trading. The main principle of the dispute is impartiality, and on its basis the work algorithm is prescribed. PayPal is very strict about compliance with its rules, so all sellers who accept funds from buyers through this payment system are very disciplined and resolve disputes with clients as soon as possible. For a seller, a ban on accepting funds through PayPal is a disaster.

Fourth - flexibility. If you live in a country where you can accept funds into your account balance, you can turn PayPal into a full-fledged financial gateway for conducting international business in the most secure and transparent environment.

I already use the payment system Webmoney, Yandex.Money, QIWI, etc. Why do I need PayPal?

Thousands of online stores around the world accept payments via PayPal. But little is known abroad about Russian electronic payment systems, and only a few trading platforms work with them, mainly in China.

Living in Russia, Ukraine, Kazakhstan or another country of the former Soviet Union, can I use PayPal and to what extent?

You can determine whether the payment system works with a particular country and to what extent directly on the PayPal website. Countries it works with Paypal, are conditionally divided into two groups: the first is allowed to send and receive funds, as well as withdraw them to a bank account, the second group is only allowed to send funds from payment cards linked to the account.

Countries whose residents are allowed to send, receive and withdraw funds:

• Russian Federation
• Kazakhstan
• Latvia
• Lithuania
• Estonia
• Georgia
• Moldova

Countries where PayPal only works for shipping:

• Ukraine
• Belarus
• Armenia
• Azerbaijan
• Turkmenistan
• Tajikistan

As you can see, almost all countries of the former Union, with the exception of the Russian Federation, Kazakhstan, Georgia, Moldova and the Baltic countries, belong to the second group. To quickly see if PayPal allows you to accept payments and create business accounts in your country, simply select your country and look at the top left corner of the site. If, in addition to the “Buy” and “Send” buttons, there are also “Sell” and “Business” buttons, then you can work in full.

Is the Russian interface available in PayPal and is there support in Russian?

A full Russian interface is available in PayPal. When you access the site from a Russian IP address, the system will automatically install the Russian language. If you are from another country, but want to use Russian, simply select the language by clicking on the corresponding checkbox. English can also be selected at any time from the drop-down list in the upper right corner of the authorized account page. Russian-language support service is available for accounts registered from Russia by calling 8-800-3332676 (Mon – Fri from 10:00 to 20:30 Moscow time) and through the feedback form via e-mail.

Some foreign online stores and sellers on ebay do not accept payment via PayPal. Why?

There are several reasons. Some sites, such as Amazon or Aliexpress, do not work with Paypal, because... the ebay company, to which this payment system is most directly related, is their direct competitor.

Many European stores and sellers on ebay do not work with Paypal due to the rather high commission that the system charges (5-7%). A bank transfer within the EU will cost much less, sending it is just as easy, and crediting the funds will take some hours.

I don't have a laptop, I want to work via a mobile phone or tablet. How can I do this?

It is enough to download the PayPal mobile application for Android or iOS mobile platforms from PlayMarket or AppleStore, enter your login and password for your account (or register a new one if you don’t have one) and use all the tools anywhere in the world where there is Internet.

Does Paypal transmit data about payments received by the user to the tax authorities?

If the turnover is significant, then data on payments received can be transmitted to the tax authorities. In any case, be prepared for this.

REGISTRATION

Which email account should I use for PayPal?

Absolutely anyone is suitable, but for security purposes it is better to create a separate mailbox specifically for working with payment systems - with a password that is different from other services. Give preference to the most secure email services such as Google Gmail, Microsoft LIVE, Yahoo Mail. The email address will require confirmation. You can get more detailed information on this issue in our article: Paypal. Registration .

Pay special attention to your email address when opening business accounts. It is the address of your mailbox that will be the ID in the PayPal system and clients will see it. Therefore, it would be optimal to include a trademark in the email “name” and use an email registered not in the free service, but in the domain zone of your website.

What type of PayPal account should I open? When registering, I was offered a choice of two account types: “Personal” and “Corporate”. Which one should you choose?

If you are an individual and are only going to buy and receive transfers from friends and relatives, choose " Private". If you want to use PayPal as a business tool, choose " Corporate" (you must be registered as a legal entity). A “Personal” account can always be changed to a “Corporate” account.

In what language should I enter my registration data?

Is registering with PayPal free?

Registration, opening and maintaining an account, and sending payments are completely free for any type of account.

In what currency should I open an account?

PayPal offers a choice of working with 26 different currencies in which you can open an account. But due to the peculiarities of legislation in certain countries, opening an account is possible only in national currency. In relation to Russia, this rule applies partially - initially an account is opened in rubles and funds can only be withdrawn to ruble bank cards, but it is possible to add any of 25 account currencies. As a rule, users from the countries of the former Union open an account in either US dollars or euros. To reduce conversion losses, it is better to link cards denominated in the currency in which most transactions will be made.

My country is not on the list, i.e. they don't work with my country? Maybe I should indicate another country?

Yes, this means that PayPal does not work in your country. It is not worth registering using falsified data, because... Sooner rather than later, your account will be closed and the funds on your balance will be frozen. In this case, intermediary firms will help.

After registration, can I change my e-mail – account identifier?

Yes, it can be done.

I registered, entered the card details and was informed via SMS banking that an amount equivalent to $1 was blocked on the card, how do I understand this?

To authorize a card and check its validity, the system necessarily requests an amount of $1 and blocks it on the payment card. This is a normal procedure; funds will not be written off and will become available after some time.

During the card verification procedure, $1.95 was blocked on it, how can I get this money back?

I went through the registration process to the end, however, when I got into my account I saw that my balance was 0.00, although there was money on the card that I used during registration, is this normal?

Yes, this is a distinctive feature of accounts from which only sending funds is allowed. The balance will always be zero, and money is withdrawn from the card if necessary. If you are allowed to accept funds (for example, you live in the Russian Federation), then your account balance will include the funds debited from the card during verification - $1.95.

I'm under 18 years old, can I register with PayPal?

If you have a payment card suitable for online payments, then, of course, you can; no one will scrupulously check this point. But if controversial situations arise, when verification may require providing copies of identification documents, there is a risk of problems arising, since the rules prohibit the registration of minors. An alternative option is to register through parents or older relatives. Under no circumstances should you register a business account under the age of 18 if you intend to trade and accept payments.

I live in one country, but am a citizen of another. Which country should I choose when registering?

Be sure to choose the country that issued your passport, a copy of which you can provide if questions arise. If in the country of temporary residence there are documents equivalent to a permanent residence permit, and there is a bank account with cards, then you can easily register an account using the available data. Otherwise, such actions may be considered data falsification and you will simply lose the money remaining on the account that was blocked at some point.

This question is especially relevant when opening an account for accepting payments.

Can I open a second PayPal account in my name?

Yes, the user can open a second account in his name - having two accounts (but no more!) is not against the rules. This is usually done when opening a business account. However, when opening, the following conditions must be met: another email address for registration, another payment card.

If your account was blocked for one reason or another, then there is no point in opening a new one, because... it will also be permanently blocked.

On the main page of my account there is information that my account is “Unverified”. What does it mean?

PAYMENT CARDS

Is it necessary to have a payment card to register and work with PayPal?

You can register without a card. But further work with the payment system depends on the country in which you live, since PayPal’s working conditions vary greatly depending on this point.

How to top up PayPal using a Russian bank card?

PayPal allows you to top up your balance only by bank transfer, direct transfer from friends, relatives, buyers, cashback services, and counterparties. And, naturally, the question of how to top up PayPal is relevant only for users from those countries where this opportunity is open.

Which payment card should I choose to use PayPal?

Can I use a payment card opened in Euros in a PayPal account opened in US dollars?

The payment system allows you to maintain a balance account in any of 25 currencies, including euros or dollars. PayPal or the card issuing bank (depending on your choice) will convert one currency to another. But do not forget that for them conversion is a source of income for the system and, if possible, try to avoid it. An option would be to link a multi-currency bank card to your account and pay from it in the invoice currency without bank or PayPal fees.

Can I use payment cards issued by Payoneer and ePayments when working with Paypal?

Yes, cards issued by ePayments and Payoneer services are suitable for work without any problems.

I found a company that sells so-called. "prepaid cards". Can I use this card?

We do not recommend that you do this - judging by the reviews, users of such cards have accumulated a lot of negative experience. Often, for using such a card, the security service of the payment system closed the user’s account once and for all. The main problem is that it is almost impossible to verify the identity of the owner of such a card and, taking advantage of this, such cards are often used by fraudsters. To work calmly and stably with PayPal, it makes sense to open a traditional payment card at a bank.

PayPal does not accept my payment card. What to do?

There could be many reasons for this. One of the most common is trivial: the card does not allow online payments. This problem can be solved by calling the bank's support service. Most other reasons and ways to overcome them are discussed in our article: If eBay, PayPal, online stores do not accept a payment card.

Why verify the entered payment card in PayPal?

Is it possible to use a payment card issued in the name of another person (relative)?

This is completely out of the question. In this case, the account must be opened in the name of the person whose card will be used, and you must have access not only to this person’s documents, but also to his bank account (Internet banking).

PayPal sent me a reminder that my card is about to expire. What should I do?

Link another bank card to your account and verify it, or change the validity period of the old card - when the end of the card’s validity period approaches, many banks automatically re-issue a card with the same number, but with a new validity period.

SENDING PAYMENTS

In what currency should I send the payment?

In the one in which the invoice (bill) is issued. When sending payments within Russia, select rubles; when sending an international payment, select the currency of the payment recipient's country.

How quickly are payments processed?

Usually within a minute.

What do you need to know to send a payment?

You only need to know the account ID of the user to whom you want to send the payment. This identifier is the recipient's email address.

Is it possible to cancel a transaction?

Only at the initiative of the recipient, who can return the payment to you.

Is it possible to transfer with a protection code?

No, this option is not provided.

Do I need to top up my account balance to send payments? What methods of transferring funds are available in PayPal?

Depending on your country of residence and PayPal's operating conditions in that country. Typically, the payment system works as a gateway between your card linked to your account and the recipient. You can top up your balance in the Russian Federation, Kazakhstan, Moldova and other countries of the former Soviet Union, where residents of which PayPal allows you to accept payments, only by receiving payment from another user. Self-replenishment is not provided.

PayPal has several ways to transfer funds:

• From the payment card attached to your account.
• From your PayPal account balance.

In any case, the recipient's funds are credited to the account balance.

While sending a payment, I received a message that the recipient "Cannot accept payments."

This means that either he lives in a country whose residents cannot receive payments through PayPal (Ukraine, Belarus, etc.), or his account is blocked.

I heard that PayPal limits its users to some kind of limits?

There are several types of limits that are imposed on users according to various criteria (country of residence, type and status of account verification).

The limit is imposed on a single transaction - payment/withdrawal, account balance, all transactions within a month.

Limits are imposed on the volume of transactions with funds and directly depend on the status of the account - unverified, partially confirmed with bank card verification, and fully confirmed with bank card verification and sending a copy of the passport (verified).

For an unverified account, a limit of 60,000 rubles is set on the balance and any one-time transaction for the same amount; monthly turnover is set at 200,000 rubles or the equivalent in US dollars. For a fully verified account, all restrictions on monthly turnover are removed; the transaction amount increases to 550,000 rubles and the account balance limit increases to the same amount. For business accounts, if the balance account limit of RUB 550,000 is exceeded, funds will be automatically transferred to your bank account.

How do I remove transaction limits for my PayPal account?

On your account page, find the line “Check my account limits”, on the page that opens, find the “Increase limits” button and then proceed according to the proposed algorithm, i.e. add and confirm a bank card, confirm personal data by sending a scanned copy of your passport (TIN is not required). Review of an application to increase limits takes 5 days.

Why can't I choose a delivery address in a country other than the one specified during registration?

This is an immutable rule for account holders in some countries, which creates quite a lot of inconvenience: there can be many delivery addresses, but all of them must be located only in the country of registration of the user. If this restriction applies to you, the system will notify you upon payment.

The way out of this situation is to choose another payment method or seek help from an intermediary company.

The exception is payment on ebay: regardless of whether your account has a restriction on shipping an order to another country, you can pay for an order with any delivery address.

Why is my card charged more than the amount I send?

The reasons may be different and you will have to figure it out. First, pay attention to the currency of your card and the currency of the payment recipient: if they are different, the card-issuing bank charges different fees: for each transaction, transaction outside the country of issue of the card, conversion, etc. Here we can add the point that PayPal itself converts the sent funds into the currency of the payment recipient, and the conversion commission is usually significantly higher than that of the bank. Secondly, this is the commission of the system itself. For example, transfers from an account to a PayPal account in Russia are free, but a transfer from an account in Russia to an account abroad will already cost from 0.4 to 1.5% of the transfer amount, using a card already 3.4% + 10 rubles.

The system converts sent funds at an extremely unfavorable rate - can I have my bank convert the payment rather than PayPal?

Yes, this opportunity is provided. To change the conversion center, you need to follow a simple algorithm of actions, which we outlined in the article: Converting funds when working with PayPal.

ACCEPTING PAYMENTS

I received a payment from a buyer, but I cannot handle funds. Why?

A payment “freeze” or hold is typical for all new PayPal accounts doing business online. This is due to a certain distrust of the system towards “newcomers”. Typically, "freezing" takes 21 days, even if the item has already been received by the buyer and a positive review/delivery confirmation has been issued. The “freeze” can be removed manually by contacting support, but not earlier than 3 days after receiving positive feedback/delivery confirmation. If the trading volume is large enough and the turnover grows over time, then the hold is removed during the first year of doing business. During long breaks in work, the hold is applied again. There is information that the hold is lifted after achieving 25 successful sales in the USA with confirmation of delivery using the tracking number from USPS.

I received a payment in US dollars, but my Russian PayPal account received rubles. Why?

It's all about the status of your account, which is not fully verified. If the status is "Unverified", all incoming payments in foreign currency will be automatically converted into rubles at the system rate. With full verification and establishment of maximum limits, it becomes possible to open a separate foreign currency account, receive and store money in foreign currency.

The seller wants to refund me the money for the goods I paid for, but says that funds cannot be transferred to a PayPal account opened in my country.

Yes, such a problem exists. Indeed, funds cannot be transferred to PayPal accounts opened by clients from many countries of the former Union (except for the Russian Federation, Kazakhstan, Georgia and the Baltic countries), since such accounts serve only as a payment instrument.

PayPal provides a “refund” service – refund of funds. If 180 days have not passed since the transaction, the seller can return either the entire amount paid (full refund) or part of it (partial refund). The money is returned directly to the card within 3-10 business days. You can amicably agree on a refund with the seller, but if he does not make contact, act within the framework of the PayPal Buyer Protection program and open a dispute.

I'm being asked to accept other people's funds into my account balance

In principle, this can be done, but only if you are sure that you know whose money it is and what it was transferred for. Otherwise, you may lose your account, because all responsibility falls on you.

WITHDRAWAL

I live in the Russian Federation, how can I withdraw funds received to my PayPal balance?

In Russia, PayPal allows you to withdraw funds from your account balance only to a current bank account in rubles (not to be confused with a card bank account). To withdraw, you need to open an account in any bank in the Russian Federation in your name or organization, find out the account details - account number and BIC. Next, we act in accordance with our instructions in the articles:

• Adding a Russian bank account to your account.

Among other things, the funds received can be spent on purchases. But payment for goods can be made either from your account balance or from a card. If, for example, there are not enough funds on the balance, then the missing balance will not be withdrawn from the card, and the system will generate an error.

I live in Kazakhstan. How can I withdraw money from my PayPal account balance?

For account holders from this country, PayPal has two ways to withdraw funds "Withdrawal" - to an account in an American bank (for example, if you issue a Payoneer card, you will receive such an account) or directly to any Visa card linked to your account. The minimum withdrawal amount is 10 dollars, euros or 0.2 rubles. The withdrawal fee is fixed – $5.

RATES

How much do PayPal services cost?

Opening and maintaining an account is completely free. The system commission and size depend on many factors: whether the payment is personal or payment for a product/service, the country of account registration, account type and currency, whether the sender and recipient are in the same country, whether the funds being sent are withdrawn from the balance or from a linked card, etc. . The average commission is 3-5% of the amount.

When paying for goods, a commission is always taken from the seller. When sending a personal payment, you have the opportunity to choose who pays for the system’s services. More detailed information on this issue can be obtained from the link: Official tariffs in Russia

CONVERSION

What is double conversion?

A procedure in which several automatic currency exchanges are made during a payment before the funds are credited to the buyer. Considering that with each exchange the amount “loses” by 4-5%, the results can be quite noticeable, especially when paying a large amount.

A classic example of double conversion: a payment card in euros is linked to a PayPal account, but the transaction is carried out in US dollars. The bank has been selected as the conversion center (to issue invoices in the seller’s currency). The bank cannot directly exchange euros for dollars and is obliged to use the national currency. Therefore, he first buys euros from you (first conversion), and then sells you dollars (second conversion). All this is done automatically.

Therefore, try to avoid such exchanges. To do this, buyers get cards in national currency, dollars, euros (or one multi-currency card). You will always have the right card at hand.

DISPUTES AND BUYER PROTECTION

What protection does PayPal provide to buyers? What is a dispute?

I paid for the product and received it in non-working condition. Opened a dispute, but the seller on ebay is blocked. Will I get my money back?

Yes, you will receive the full amount. If the seller is blocked or there are insufficient funds in his account, PayPal will bear the costs. The maximum declared amount of coverage is $2,500. If you receive a letter from ebay that the account of the seller with whom the transaction was made is blocked, then the dispute is automatically resolved in your favor.

I was denied payment, the dispute was decided not in my favor. What are your options?

You can appeal. To do this, just log into your account and select "Closed Cases" and press the button "Appeal." The case will be reviewed again, you may be required to provide copies of documents and even a statement to the police. It is advisable to provide some new data and materials, otherwise the appeal will most likely be decided not in your favor.

But even in this case, there is a way out - often clients were helped by a statement written to the bank that issued the card, stating that they had become a victim of fraudulent activities. This banking operation is called chargeback. The materials will be handled by the relevant department of the Visa or Mastercard payment system. You can usually apply for a chargejack at the same branch where you received your card. It is advisable to clarify this information with the bank's support service.

Is the number of disputes opened somehow regulated?

No, the number of disputes is not regulated. But if this tool is abused, the account of such a user will be blocked. Therefore, use it only when truly necessary. Try to resolve issues that arise without resorting to opening a dispute.

SAFETY

What is Confirmed Shipping Address? Why do some sellers on ebay only want to ship to it? How can I get it?

"PayPal Confirmed Address" – the user’s physical address, verified and confirmed by PayPal. The address is verified using an algorithm that is not fully disclosed. Sometimes it is enough to add and verify a bank account, sometimes managers PayPal call the user at the specified phone number.

"Confirmed PayPal Address"is available only to residents of the USA, Canada and the UK. When shipping to a confirmed address, the Seller is protected by the PayPal Seller Protection Policy ( PayPal Seller Protection Policy), which allows you to compensate for losses on any transaction if the Seller has become a victim of fraudulent activities ( for example, the Buyer made an illegal return of funds to the card at the bank, etc.). Therefore, many Sellers make it a mandatory condition of the transaction that the Seller has a confirmed address.

It is worth noting that sellers rarely follow this rule and, if you have a good rating on ebay, they can easily send your purchases to the forwarder’s address. Often, even the address provided by your forwarder in the USA becomes "Confirmed" after several successful deliveries to it.

Can I log into my account from different computers?

Of course you can. Nobody limits this right. Another question is that the system closely monitors who, from where and from what devices accesses your account, monitoring potential fraudulent activities. Frequent authorizations from different devices (MAC addresses) and international IP addresses can lead to temporary blocking of access and the emergence of additional authorization conditions - even sending copies of some documents or calls from PayPal support. You need to take this calmly and know that this is only for the benefit of the safety of your funds.

How can I find out any information about a PayPal user by his ID?

Can I give my PayPal account username and password to my relative who lives in another city? He wants to pay for his purchases.

If the account is registered to an individual, then it is better not to do this. IN companies will immediately determine that several people are using the account, and the second access can be determined as unauthorized. Such an account will be included in the “grey” list and will be blocked during regular logins from IP addresses in different cities, and the owner’s identity will be verified.

Business accounts have the ability for several people registered in the system to simultaneously access one account.

Can I exchange PayPal for Webmoney or vice versa?

According to the rules of the payment system, the exchange of funds for other electronic currencies (including Webmoney, Yandex.Money, etc.) or vice versa is prohibited. The accounts of users found to be violating this rule are permanently blocked. Therefore, do not be frivolous, because of a small violation you can lose your account.

My account is blocked forever, can I open a new one? What can be done?

No, in this case you shouldn’t even try, because... the newly opened PayPal account will also be blocked. This usually happens within a week. In this case, funds are frozen, and payments made may be cancelled. Therefore, in order to avoid unnecessary problems, it is strictly not recommended to open a new account in any form. It is also impossible to challenge the decision to close.

The only way out in this situation is to turn to one of your relatives for help: ask him to open a new PayPal account, enter his data, address, payment card. In this case, it is advisable not to use your computer to register and work with the newly created account.

Is it possible to close a PayPal account and immediately open a new one?

No. You cannot immediately close your Paypal account. You can only apply for closure. It will be reviewed, the account will be frozen for 180 days (the period of possible claims) and then it will be closed.

My ebay account is blocked, does this mean PayPal will be blocked too?

No, usually these two actions are not related. Although both accounts may be closed for serious violations.

My PayPal account was stolen, I can’t log in, what should I do?

You need to immediately block the payment cards that are added to your account and contact PayPal support.

I received a letter from PayPal stating that access to my account is restricted. I looked in my account: in order to remove the limit, they ask me to send copies of documents. For what? Will scammers use my documents?

Of course, third parties will not use copies of your documents. The security service just wants to make sure that you are you, so it asks you to confirm the information entered during registration by sending copies of some documents. You can get more detailed information regarding this issue from our article: PayPal. If access to your account is limited (Limited Account Access)

I constantly receive letters to different addresses saying that my PayPal account is blocked and I need to change my password, although I can log in to the site without any problems - are they scammers?

Yes, such emails (usually on letterhead) are sent by scammers with one goal - to force the user to follow the link from the letter to the website, " very similar to the original site", and enter your username and password there, which will immediately fall into the hands of scammers. This fraud scheme is very common and similar letters are sent out in the hundreds of millions. The most popular targets among scammers for luring out data are users of the PayPal payment system, the ebay auction, and large Western banks (they lure out a password for online banking), etc. If you received a letter like this on a letterhead, " very similar" to a branded one, then simply send it to Paypal at: [email protected]; if you received the same thing on an ebay form, send it to: [email protected]. Good email services, such as Google Gmail, usually immediately send such phishing emails to Spam.

Also, when going to the PayPal website using links from an e-mail (which is generally not recommended), pay close attention to the address bar - the URL should start with HTTPS:// (not HTTP://), and clicking on the green certificate button should display a window indicating the type of encryption certificate, to whom it was issued, i.e. PayPal and by whom it was issued, as well as the validity period of the certificate.

PAYPAL AND EBAY

I buy on ebay and set up a PayPal account to pay for my purchases, are there any recommendations in this case?

The country of registration of your ebay account and Paypal must match. There are no other additional recommendations.

How to “link” a PayPal account to ebay?

After authorization on ebay, go to the section My eBay (My eBay), where after clicking on the tab Account(Account) you will see a column with links. Line PayPal account (PayPal Account) is what we need. Click on it and in the window that opens we find the button Connect PayPal account(Link PayPal account). After clicking on it, we will be asked to enter the login and password for your account PayPal. We enter the data, click “OK” and now we can pay for purchases “in one click”.

Why does the seller write in the description of the lot on ebay that if I want to pay via Paypal, he will include the commission of this payment system in the invoice?

Indeed, some (especially European) private sellers impose similar conditions. And there's nothing you can do about them. eBay auctions, like PayPal, make the bulk of their profits from commission fees. So, a successful purchase for you also means the need to pay commissions for the seller, which in total range from 12 to 15% of the transaction amount. The fact that the Seller makes a demand to cover his expenses does not characterize him in a good light, but there is nothing illegal in these demands. If for a large retailer these are just operating costs, then for a small seller it is a significant minus in the balance sheet. In the end, you can always choose another payment method.

Why do some ebay stores and sellers only accept PayPal payments from US residents?

Yes, some popular stores and sellers do not accept payments from PayPal accounts registered outside the United States. When attempting to pay for an item, the buyer receives a corresponding notification.

This is an internal policy, incl. for security reasons. This information is usually indicated on the store's website or in the ebay store. Payment by bank card in such stores is usually also closed (theoretically, you can indicate the forwarder’s address in the Billing Address and Shipping Address fields, but no one guarantees that the order will not be cancelled) and you can only place an order through an intermediary.

Can I give the intermediary my ebay account details so that he can enter his PayPal ID and buy the item himself?

Yes, there are no special problems with this. The reseller will need to add another shipping address to your ebay profile and use their PayPal account to pay for your item. But if it is possible to avoid such a work scheme, it is better to do so, because... In any of the companies, such purchases may be viewed with suspicion and the account may be blocked for additional verification of the owner’s identity.