How PayPal works. Withdrawal of funds to an attached account. Fraud protection

PayPal is the largest payment system in the world, with more than 179 million active users.

Since October 2012, it has been fully operational in Russia. With its help, you can pay for purchases in online stores in any country, since it operates with 25 types of international currencies. “Payment Buddy” (this is how the name of the service is literally translated) allows you to make any financial transactions quickly and most securely.

In order to transfer money to friends or pay for goods and services, you need to register. To do this, go to the official website of the service and click the special button (it is located in the upper right corner). After this, you will automatically be taken to the page for selecting the type of account: corporate or personal.

A personal account allows you to do the following:

• transfer funds to your family and friends;
• link a bank card to pay for online purchases;
• put money into your account to pay for goods and services, transfer to friends;
• withdraw money to a card or ruble bank deposit.

When registering, you will need to provide your email, create a password and fill out a form. Data entry is carried out in Russian. After filling out the required fields (full name, passport details, residential address, phone number, etc.), you must confirm that you have read the user agreement, and then click the “Agree and Create” button.

You can register, open and top up your account completely free of charge. With further use, you can always change its status from personal to corporate. Creating a wallet, regardless of type, is possible only in state currency. But as you use the system, you can add other types of currency.

After registration is completed, you can link a credit card to your e-wallet, indicating only the number bank card, its validity period and CVV2/CVC2 code (last three digits on back side"plastic") After linking, you will be able to top up your wallet directly from the card or, conversely, withdraw money from it and transfer it to a credit card. You can also top up your account in cash through Svyaznoy and Euroset stores.

How to start using PayPal?

The first action that must be taken in order to start using the payment service is to confirm the address email. Only then will the account be considered created and the user will be able to send and receive money transfers, including without a credit card. To do this, you need to log in by clicking the link on the right top corner screen. On the page that opens you will find a link to confirm your email. After clicking on it, the system will automatically send a letter to the address specified during registration.

To complete the verification procedure, you must re-enter the password you used to create your account. After this, instead of a link to your email confirmation, a green circle with a checkmark inside will appear. Now you can move on to full use.

But before you start using the service, you should find out the available limits. They are installed for all types of accounts. Thus, for account owners with unconfirmed data, the monthly limit is 200 thousand rubles. The amount includes any financial transactions, be it withdrawal or deposit of money, payment for purchases online. One-time transactions should not exceed total amount 60 thousand rubles. This means that without confirmed data you will not be able to buy in the online store Macbook Pro 15’’ worth over 150 thousand rubles or receive a transfer for a similar amount.

To increase amounts financial transactions you need to confirm your personal information. To do this you need to do the following:

• log in to the service;
• click the “Check your account limits” link at the bottom of the page;
• On the page that opens, click the “Increase limits” button.

You will be offered several confirmation options to choose from. To remove account restrictions, you must complete all of them.

One way to confirm your passport data is to send a scanned copy of it (pages 2, 3 and 5). To confirm your card details, follow these steps:

• enter exact data (number, expiration date, security code);
• Click the “Add card” button.

Then in the data confirmation window, opposite the “Confirm bank card” line, click the “Start” button. Your account will be charged $1.95. Let's consider further actions using the example of a Sberbank card. After debiting the funds, you need to visit Sberbank-online, click the “Account Statement” link and find the required transaction.

Next to the operation you will see a verification code (4 digits) like 2016CODE. Sign in to your account payment system and enter it in the appropriate line. Upon completion of the verification, the blocked funds will be returned to the account automatically. If necessary, card information can be deleted or changed.

Where and how can I pay for purchases?

Today you can pay for purchases in tens of thousands of online stores around the world, including eBay, Ozon, etc. Many payment system partners provide special discounts to account holders, and numerous promotions are held for PayPal users. You can find out about current offers by visiting the “Shopping Center” on the system’s website.

This section provides full list sellers who accept payment via PayPal. However, there are a number of stores that are not ready to accept funds in this way. It is impossible to make purchases using this service on Aliexpress and Amazon. But this is understandable, because PayPal is a direct competitor of these trading platforms– eBay company – were previously part of the same group of companies. But, starting at the end of 2014, eBay decided to spin off the PayPal system into an independent structure.

Paying for purchases through the system is extremely simple. You need to take a few simple steps:

• visit the desired online store;
• add your favorite products to the cart;
• proceed to checkout by clicking a special button or selecting from the list of available payment options.

After selecting payment via PayPal, a window will automatically open to enter the email address to which the wallet was registered and its password. If you did not have your own account before payment, you can create one directly during the ordering process.

After entering the required data, the direct payment page will appear. At the same time, a bank card does not have to be linked to your account. You can specify its details at the order confirmation stage.

The further procedure for placing an order is standard: you will need to indicate the address, delivery method and other necessary information. Payment for purchases is always free for visitors to Russian online stores. But when paying for goods abroad, the system may withhold a conversion fee equal to 4% above the wholesale currency exchange rate (if the seller refuses to pay it).

Owners of currency debit and credit cards should first disable conversion. Otherwise, the system will send a request to transfer funds in national currency (even if the invoice is issued in dollars or euros), and the bank will transfer the required amount at the internal rate.

Secure payment for purchases via PayPal

An important advantage of using this payment service is the presence of a Buyer Protection Program. You can contact the Help Desk for a variety of reasons:

• the product does not correspond to the stated description;
• presence of defects, damage, signs of wear of the goods;
• non-delivery of goods to the buyer;
• mismatch in size, style, color, etc.

In all of the above situations, the Support Service will help return funds to the buyer’s account and reimburse the costs of delivery and return shipment of unsuitable products. The Program partially applies even to the purchase electronic tickets and documents.

To initiate the refund process, you must complete a number of steps:

• open a dispute 7 or more days from the date of purchase by contacting the Problem Resolution Center;
• contact the seller for an amicable settlement;
• close the dispute by mutual agreement;
• convert an open dispute into a claim if the seller’s response is unsatisfactory.

It is noteworthy that the Center operates around the clock. Its employees will review the application and make a decision, after which the money for the goods can be transferred to the buyer’s account. Another advantage of using the service is the secrecy of personal data (account or credit card details). To confirm payment, all you need is an email address and login password.

How to transfer funds from an account?

You can create a PayPal account to make secure and fast money transfers. To transfer funds to friends and family, you only need to make a couple of clicks. Simply log into your personal account and click “Pay or send funds” at the top of the screen.

After clicking, a window will open with two more links, one of which is to proceed to sending funds from the account.

You can send a money transfer to absolutely any recipient in Russia who has his own email address. In this case, it is not at all necessary that the recipient has own account. He will be able to register it after receiving a message about the transfer of money in his name.

You can transfer money not only from your account, but also from linked cards. But in this case, the service charges a commission equal to 3.4% of the amount + 10 rubles. When transferring funds in non-state currency (US dollars, euros), an additional commission is charged on the conditions described earlier.

How and where to cash out?

In order to cash out the balance in your account, you need to log into your personal account and click on the “Withdraw funds” link. If you have not linked a bank account to your account, you will be prompted to do so and go through an account verification process. Two small amounts will be sent to the specified account (crediting occurs within 3 – 7 days). You will need to find out their size and indicate it in special fields when you click on the withdrawal link again. After completing the verification, you can freely withdraw money to your bank account, without forgetting established limits. Withdrawing money to a bank account or linked credit card takes approximately 3 to 5 days.

There are other withdrawal methods:

• to Qiwi wallet;
• on Yandex.Money;
• on Webmoney.

You can use them through one of the online exchangers - sites that offer money transfer services between two services (for example, PayPal and Qiwi) for a certain commission. Its size sometimes reaches 10 - 12%, so before using it it is important to find out the operating conditions of the exchange office.

Withdrawal of funds is available not only in our country, but also in Belarus and Kazakhstan. Residents of CIS countries such as Ukraine, Armenia, etc. will also have to link a card and bank account to their account, go through a similar verification procedure and receive their money directly to their MasterCard or Visa card. In this case, you can receive funds using bank terminal(ATM).

Hello, dear friends. Today I will tell you how to use the PayPal payment system, how to register, how to fill out and set up a profile, how to add a bank card, account, how to create a personal page to receive payments from all over the world and how to withdraw money from PayPal accounts to a bank account.

PayPal is an international payment system available in more than 200 countries. Using this system you can pay for purchases on the Internet, make various payments and transfer money around the world. The system ensures payment security and provides a refund guarantee in the event of an unsuccessful transaction between buyer and seller.

And using a convenient mobile application, all monetary transactions can be performed directly from your smartphone or tablet.

Registration

To register in the system, you need to go to the official website https://www.paypal.com and click on the button "Register".

To register, you must enter a valid email address, create a password and confirm it. Then press the button "Continue".

A confirmation letter will be sent to the specified mailbox. To complete registration, follow the link provided in the letter.

This completes the registration procedure.

To enter your personal account on home page system, press the button "Login". Enter your login (address mailbox) and password and you are in your personal account.

Profile setup

Home page personal account presented general information, where you can immediately see recent transactions, account balance, linked bank cards, accounts and a link to withdraw money from the account.

Also presented here are sections in the form of menu items, which contain all the necessary functions for adding bank cards and accounts, issuing invoices, creating personal page and so on.

And to set up your profile, you need to click on the gear image in the upper right corner of your account.

Going to the settings, fill out the profile data as detailed as possible. This will facilitate many procedures with identification and other security measures in the future.

The settings are presented in four sections. Don't miss a single one.

There is no point in analyzing each point in detail, since they are all extremely clear. In the video tutorial I will dwell on this and show what's what.

Adding, editing and deleting a bank card

To pay for goods and services around the world using the PayPal system, you do not necessarily have funds in your system account. All you need to do is link your bank card and you can pay using the card. It's like in, only on a larger scale. At the same time, the system does not charge additional commissions.

To add a bank card, you need to go to the section "Check".

This section presents your balance, attached bank accounts and bank cards.

Click on the icon "Add card".

Then enter the confirmation code from the SMS and confirm the card binding.

Now, when paying, you will have your card available to choose from.

Also, by clicking on the icon of the attached card, you can edit its data and make a confirmation if you have not done so previously.

To delete a card, click on the card icon, then on the link “Confirm your bank card” and further on the link "Delete".

Adding, confirming and deleting a bank account

So, if you add bank cards to use them for payment, then you need to add a bank account for further withdrawal of money from your PayPal account.

You can do this all in the same section "Check". But by clicking on the icon "Add bank account".

At the next step, check the data, if everything is correct, then press the button "Continue".

The account was successfully added and two small amounts were sent to it. This is necessary to confirm that you are the account owner. For now, the account is in the status "Awaiting confirmation".

The transfer can take 2-4 days. Therefore we need to wait. In my case, the transfer arrived within 5 days.

When you receive the transfer, you can confirm your account. Confirmation will not only provide the opportunity to withdraw money, but will also increase the limits. This confirms your identity. You will also be able to make payments from your bank account.

To confirm, you must either on the main page or in the section "Check" click on the bank account icon. Next, enter two checksums and click on the button "Confirm".

How to withdraw money from PayPal to a bank account

Once the bank account is confirmed, you can withdraw money without commission.

To do this, on the main page of your account, just click on the link "Withdraw funds".

The transfer to your bank account will be completed within 2-4 business days.

How to create a PayPal.Me page and receive payments from all over the world

IN PayPal system there is a great opportunity to create your own personal page to accept payments. Thus, by sharing a link to this page, you make life easier for other participants in the system, since they only need to follow the link and make a transfer for you.

So, to create your page you need to go to the section "Send and Receive" and click on the icon “Create a link to PayPal.Me page”.

When you come up with an address for a page, save it and you can go to the address and see what the page looks like.

I got it like this:

If you want to specify the transfer amount, add the required number to the link.

https://www.paypal.me/zaicev/10

Since the page is created in the account currency, there is no need to indicate rubles.

But if they transfer money to you in another currency, this is also not a problem. You can select a currency directly on your page by clicking on the currency button.

As you can see, everything is fast and convenient. I have already received payments for .

Now I suggest you watch a video lesson with examples to reinforce the material.

That’s all for today, if you have any questions I’ll be happy to answer them in the comments. I wish you all good luck and see you in new articles.

Best regards, Maxim Zaitsev.

PayPal account - international service for transferring and receiving payments.

Today the system operates in 203 countries with 26 currencies. You can view the entire list on the official website and see your country in the registration drop-down menu. Today it has more than 180 million users. Officially operating in Belarus since June 2014, in Russia - since 2005.

Official website Paypal- https://www.paypal.com.

Russian-language interface for Russians, for Belarusians - on at the moment Only the English version and I hope that this will be fixed soon, for Ukrainians there are several languages, but there is no Ukrainian and Russian.

PayPal can be purchased or withdrawn to WebMoney, Yandex Money, PerfectMoney, Advcash, Bitcoin and others through an exchanger electronic currencies: Kurs-expert or bestchange.com.

Please note that for different countries There are limitations in functionality, some of them quite significant.

For example, for countries - Belarus, Ukraine, Kazakhstan:

• Allowed - sending payments, linking a bank card, paying for goods,
• It is prohibited to accept payments, as well as withdraw to any bank account.

For clients from Russia, the list of services provided is longer:

• Allowed - sending and receiving payments, linking a bank card, as well as withdrawal to a bank account in the USA and a local bank (became possible after receiving the appropriate license from the Central Bank), using Russian rubles for transactions and paying for purchases.

A little from the history of development. The company began its activities in 2000; one of the founders of the company is a native of Ukraine. Initially they were engaged in servicing electronic trading. Soon (in 2002) there was a merger with ebay. As a result, more than half of paid purchases began to be made through PayPal, which seriously crippled competitors.

In 2015 eBay Inc. group divided and each side included in it began to work autonomously.

PayPal account features:

• The most important thing for most users is the ability to make purchases online in most online stores that use this payment solution and pay for them using a bank card or account linked to your account. It does not matter what currency the card is in, since a conversion operation will be performed. The commission is paid by the seller himself,
• For those who run a business - connect accepting payments from clients to your website,
• Make money transfers to any person, knowing only him email address.

By paying for purchases using a Paypal account, you don't have to worry about the safety of your personal and financial data. Bank card details will never be known to the payment recipient, since the service does not send them. This allows you to pay for goods on a variety of sites, of which there are thousands, and not worry that your data will be stolen by scammers. In a word, PayPal means high reliability and customer protection.

If you do not receive the goods or their quality is poor, you can open a dispute within 180 days and then file a claim with the seller. Within 20 days, the system will make its decision on it.

If you see a company logo on the website of an online store (usually located at the bottom), it means they accept them and you can pay for purchases. You will need to enter your email address and account password.

Paypal account registration

Registration with Paypal is completely free and without any commissions. Carefully monitor your browser status bar to avoid ending up on a fake scam site. The real official website of Paypal is https://www.paypal.com.

Pay attention to emails, which come on behalf of the company. PayPal always addresses you by your first and last name only. Also, they do not contain links to redirect to other sites requiring you to enter any personal information.

At the first stage, you will need to select which PayPal account you need (Personal or Premier):

• Personal, if you use it for personal purposes,
• Or corporate - for accepting payments from clients (only for individual entrepreneurs and legal entities).

Please note, there can only be one. In most cases, we choose a Personal PayPal account. In the future, if the need arises, it can be upgraded to corporate by carrying out a number of procedures from the profile - you need to click on the gear and select Upgrade, and then enter the data of your organization. But it will be impossible to return to the original status.

We select a country that cannot be changed, enter an email address that is valid only for one account, and come up with a password. If you want to have several accounts, they must have different e-mails.

The password can be changed in the future by going to the PayPal website and going to the Login menu and selecting the appropriate item. You can change your email address by going to your profile settings.

A PayPal registration form will appear, where we enter personal data and your address. Since not all online stores support Unicode and to avoid difficulties when receiving goods, I filled out the form using translit, I advise you to use the translit.net service. Be sure to provide only real data.

In the future, the email address must be confirmed, which is already done in your personal account. Click on the Update button next to the email line and the message will be sent. Go to your email and follow the link and enter your account password. The icon will change its color and become green, like in my picture.

As you can see, there is nothing complicated.

If in the future the account needs to be closed and deleted, make sure that there are no balances on the PayPal account and no restrictions on the part of the company. Once deleted, you will no longer be able to restore it and all operations will be erased. To do this, go to the website, click on the gear at the top, select the Account Parameters section and at the bottom there will be a line Close account. Also, if necessary, we change the address, email, phone number here.

If you are interested in the question - where and what is the PayPal account number and how to find it out, then know that the company does not assign numbers to identify the client, as others do payment systems. The email address that you specified in your profile is the identifier that is required for payments and transfers.

As with any payment system, verification is necessary for security purposes and protection against fraud, and allows you to reliably verify that the client is the owner of the PayPal account. After completing it, the status changes to Verified. To receive it, confirm your email address and link it bank card, upload copies of identity documents.

Attention. We disable and change the currency conversion at an inflated rate, and install it from the bank that issued our card. We carry out simple steps to set up the exchange from your personal account on the official PayPal website. I think everything is clear in the picture:

Linking a card to a PayPal account

For security purposes and to avoid fraud, you need to link your card to PayPal and confirm it. In this case, a certain small amount is blocked and in the statement of transactions you can see the confirmation code, entering which in the appropriate field on the site will verify that you are the owner of this bank card.

For this procedure, the amount is blocked in the amount of $1.95 or, like mine, 1.5 euros. The statement can be viewed in Internet banking or asked to be provided at the bank. For me it looked like PP7425CODE>*****>LU, which means the security code is 4 digits - 7425. Make sure that the specified amount was present on the card account, otherwise the request will be rejected.

The amount is not written off or disappears, it will return back to the card within a few days, usually no more than 5 days, but there are exceptions - you have to wait a month, depending on who the issuing bank is.

You will be immediately prompted to link it when registering with PayPal, but this operation can be postponed and done later by logging into your account and clicking on the Account button (Wallet) and selecting Add a card (Link a card).

You need a debit or credit bank card - Visa, MasterCard, American Express, Maestro. Since it is officially registered, any cards from issuing banks of the Republic of Belarus and the Russian Federation must be linked. If this does not work, check whether the operation function abroad and on the Internet is enabled. Or contact your bank branch.

Remember, each account must have its own card and you cannot link it to another account.
I added a Belarusbank Visa Classic card, everything went without problems.

To do this, select the type, enter its twelve-digit number, expiration date and CSC (security) code, which you can see on the back of the card and consisting of three digits.

Paypal conclusion

Only clients from Russia can withdraw money to a bank account. For Belarus and Ukraine there is no such possibility at the moment. Once a withdrawal request has been made, there is no way to cancel this action.

First you need to link your bank account to your profile and confirm it.

• Go to your account and click on Account at the top.
• The Add Bank Account button will appear.
• We enter information about the personal bank account in Russian.

After this, the system will send two small amounts to him, about 1 ruble. These exact amounts must be indicated to confirm account ownership.

Follow the withdrawal limits, which can be viewed in your account. The minimum amount for transfer in foreign currency is 10 US dollars. There are no restrictions in rubles. The money sent is credited within 2-7 days.

Paypal commissions

PayPal charges a commission for the following transactions:

1. For receiving payment for goods,
2. Money transfer using a linked bank card,
3. When receiving an international payment,
4. When performing transactions where one currency is converted into another.

When transferring to another person, no commission is paid if the transaction occurs from the internal account of the Paypal service. If it is carried out using an added card, then the commission will be from 2.9% to 3.9% plus another 10 rubles. This commission is paid by the sender.

There is no commission to receive, provided you are in the same country as the sender. If you receive a payment from other countries, the company will charge a commission. If the sending currency is different from the invoice currency, it will be converted and you will also have to pay for it.

The company does not impose additional fees for:

• Purchasing goods in online stores,
• When withdrawing money from your account to a bank account.

Information about the amounts that were withheld can be found by logging into your account and clicking Transaction History at the top in the PayPal Fees section.

In the 21st century it becomes one of the most promising ways settlement between seller and buyer. Evidence of this is at least the fact that in Russia alone in 2013 the volume of the electronic money market exceeded 2 trillion rubles. If we compare this figure with 2012, we can see that the market e-commerce grew by 23%. From these figures it is easy to understand that electronic payment systems are gaining more and more popularity every year.

Let's consider one of the most common e-commerce systems around the world - PayPal.

Birth of the system

The history of PayPal dates back to March 2000, when it was invented (as a result of a merger) by several students, one of whom was an emigrant from the Soviet Union (Max Levchin).
Immediately after its establishment, the company began serving electronic auctions, in particular, the world famous eBay (in one month of its existence, more than one million eBay auctions offered payment via the PayPal payment system).

In 2002, the giant eBay corporation acquired PayPal, and from that moment on, 50% of purchases at auction occur through the latter.

As of 2012, 190 countries could pay or trade using PayPal, and the system included 24 currencies around the world. The beginning of 2015 was the moment when eBay and PayPal split, and now they are two different corporations.

Registration

So, PayPal. We figured out what it is and why it exists. To get started with PayPal, you need to go through the registration process. To start registering with PayPal, you need to go to the official website (it is the same for all countries, but for convenience you can select desired language), click on the “Register” button and in the next window select the “Personal Account” tab, then click on the “Continue” button.

After this, the browser is redirected to a page where you must indicate your country of residence, email, and set a password to log into the system (it must consist of at least 8 characters, and it is better to enter both letters and numbers).

The next stage of registration is filling out personal information (name, surname, date of birth, nationality, city, street, postal code, as well as telephone number). All data should be entered correctly to avoid problems in the future, since the account (or PayPal wallet) will be opened exactly according to the specified data, which is then very difficult to change.

Account activation

If all fields are filled out correctly, you need to check the box in the “User Agreement” column, and then click on the “I agree, create an account” button. Then you should check your email and activate your account by clicking on the link in the letter.

Adding a bank card

Let's look at how to top up PayPal. There's another one important question. It goes like this: "Like PayPal?" You must first link your bank card to the system. This is done in the user menu. You need to follow the link “Connect and confirm my debit or credit card"(top right on the website). After this, you will need to enter all valid card data, namely: last name, first name, card type (Visa, Master Card, etc.), number, expiration date and the so-called security code (3 numbers that are on the back of the card), then click on the “Continue” button.

In order for the card linking process to be successful and you can find out how to pay with PayPal, you need to have the equivalent of $1.95 on your card. The system will withdraw this amount of money in automatic mode to verify that the card really belongs to the owner. This money will not be lost, but will be returned to your account in exactly one day.

Withdrawal limits

For security purposes, PayPal sets certain withdrawal limits cash.

The minimum limit for CIS citizens is $50 or the equivalent in another world currency. The maximum withdrawal of funds per day (for residents of the Russian Federation) is currently 15,000 rubles; you can withdraw no more than 40,000 rubles per month. in Russia, whose user reviews inspire confidence, charges a minimum commission when withdrawing funds. This is a very advantageous moment.

How can I learn more about limits and how to top up PayPal? You need to go to the “My Account” tab in your account.

How to transfer money to PayPal

To transfer money in the system (for example, to another account), just go to the menu and click on the “Send money” tab. In the window that appears, you will need to enter data to whom the money will be sent (recipient's PayPal wallet), amount and currency. The default value is US dollar, but you can always select the equivalent in another currency if necessary.

If the question is about transferring to your card, which is linked to the system, then everything is even simpler, since the system allows you to transfer PayPal money to your personal account. This cannot but please users. PayPal - what is it? As you can see, this is a very convenient payment instrument.

To transfer funds, you need to select “My Wallet” in the menu and check the “Transfer to a bank card” option, indicate which card the transfer should be made to (since you can register not one, but several cards in the system), enter the amount and click “ Translate." IN in this case payment occurs almost instantly, and if everything is in order with the bank (there are no problems with the network, say), then you can cash out money from the card in 2 minutes.

Types of accounts

And we figured out how to use it. Now it’s time to tell you what types of accounts there are in the system.

Globally, PayPal accounts can be divided into 4 types:

• personal;
• premium;
• student;
• business.

The most common type of account is personal (or personal). They can freely transfer PayPal money and accept currency. At the same time, contacts with various types of payers are provided. In order for the money to be delivered to the address, you only need to have a PayPal wallet and an email address. That's all there is to it. The user cannot send or receive money from any type of card; only transfers within the system are allowed.

Premium accounts add specialized features that are not available to other users. If you are interested in the question of how to transfer money to PayPal from a card, then this type of personal account will help answer it. It is in a premium account that you can freely withdraw money to the cards of other participants or accept funds onto your card through the system.

A student account is an innovation in the electronic payment system. With its help, you can easily answer the question of how to transfer money to your child’s PayPal account if he studies or lives abroad. A person must be at least 13 years old in order to open an account without any problems. One parent has the right to have up to 4 such accounts. In this case, a real account is not opened, but a system of replenishing the student account from the parent account takes place.

The business account allows the user to make maximum use of the service. You can accept payments as an enterprise, there is no limit on currency turnover per day, and, most importantly, you can accept money into your account from any other bank or electronic wallet(not PayPal). Unfortunately, there is no such option in the account types discussed above.

User verification

First, let’s define the phrase “PayPal user verification”; we’ll also look at what it is. Let's explain the word "verification" in simple words. It means confirmation (literally translated), and in our case, confirmation of the veracity of the completed information about the user who is registering in the system. That is, the system requires certain actions on the part of the user in order to make sure that the information he provided is 100% truthful (for example, you can register as Vasya Pupkin, but in fact not be him).

Until the user is verified, payments can be made, but with certain restrictions. To remove the latter you need to send to electronic form or by mail a scanned copy of your passport (with registration) and confirm the number mobile phone. This data is confidential, you can be sure that it will not fall into the wrong hands through PayPal.

Verification benefits:

• sending and receiving any amount of money at any time of the day;
• trust in a verified user is many times greater than in an unverified one;
• lightning-fast sending of payments from bank account without delays and other minor troubles;
• availability of exclusive services (including seller protection)

Why PayPal?

Among all kinds of electronic services on the Internet, PayPal takes 1st place. And this is not without reason. Because PayPal - what is it if not the safest place to store personal savings? Advanced technologies detect fraud of any kind. It is almost impossible to get to your personal funds, even if the robber is an experienced hacker. The account is linked to a physical key generated by the system. This key can be stored not on the network, but, say, on a flash drive. Without access to the key, no one will ever be able to steal any amount of money from the account.

A little about the commission

How to transfer money to PayPal without paying commissions? Not really. The system charges a commission, but only on completed transactions. There is no need to pay for opening an account and its maintenance.

To withdraw funds to a check (a real one, which can be cashed at any bank), you need to give the system $1.5.

The fee depends on the country in which (or to) the transfer will be made, how you transfer PayPal money (bank or wire transfer), and the currency of the transfer.

For example: if you withdraw money from personal account to your account in the USA, you do not need to pay anything, while in Bulgaria you will need to pay 2.5 dollars for such a transfer.

The system also provides for a return fee. If for some reason you need to return the funds back (how to transfer money to PayPal is described above), then a certain amount will also be deducted for this.

As for the commission within the system, it also exists, and depends on the country and other factors. In the system itself, you will need to share 0.5-2% of the total amount of the transaction or transfer. Again, it is impossible to give a specific figure, since everything depends on many factors.

Conclusion

From all of the above, it became clear what PayPal is and how to use it. In any case, the choice will always be yours. The system has proven itself and proved its right to exist by the fact that it is trusted by millions of people around the world - it has existed for more than 15 years. If the issue is transfers within the Russian Federation, then you can find an alternative, but if the receipts are from different countries, then, of course, you should choose PayPal.

It is extremely convenient to be able to pay for a purchase or service online, literally without leaving your home or without leaving your workplace. Every year, electronic payment systems and services are becoming more and more popular among users from Russia.

Competing with each other in ease of use, functionality and input/output capabilities, the largest payment systems strive to become as accessible as possible. One of the most accessible and convenient is.

PayPal is the largest global payment system in the world. Among users from Russia PayPal has been known for a long time, but it gained particular popularity in 2013, when the Central Bank of the Russian Federation approved the issuance of the organization licenses to carry out NPO activities(non-bank credit organization). In turn, this allowed Russians to use all the capabilities of the system, including making payments to accounts in Russian banks.

Previously, this option was not available, and Russian users could only make payments, pay bills and send money transfers.

So, today, PayPal allows residents of Russia to:

• pay for purchases in stores, both Russian and foreign
• bill other PayPal users
• pay bills from other PayPal customers
• and withdraw funds to a card or bank account
• send and receive money transfers

By 2017, the PayPal payment system in Russia is rapidly capturing the market and used by thousands of partners- from highly specialized online stores to large players such as Ozon, Afisha, Anywayanyday and many others.

The main feature due to which the system has become so popular is payment security. For example, when making a purchase that requires delivery, money is credited to the seller's account only after the buyer confirms that the goods have been received.

Also, within six months the buyer has possibility to open a dispute, which will be carefully reviewed by PayPal's arbitration system.

For that, to register an account It will take a little time in the payment giant’s system, but some difficulties and questions still arise, which we will examine in detail in this article.

What is needed to register with PayPal in Russian

Due to the fact that the PayPal payment system is one of the most secure in the world, the security requirements are no less stringent.

Before you begin registration, have the following ready:

1. Work email. By and large, you can use an existing email address or create a new one on one of free services, such as Mail mail.ru, Gmail.com or Yandex.Mail. But PayPal recommends using paid services, citing the fact that they are more protected from possible fraudulent activities.
2. with a positive balance. It doesn't matter if it's a debit card or a credit card. It is important that you have the equivalent of at least $2 US in your account. This amount will be needed for activation, the process of which we will describe below, and will be available in your PayPal account.

Cards that are suitable for opening a PayPal wallet:

• MasterCard Standard and higher, Russian or foreign banks.
• Visa Classic and above, the issuing bank can be Russian or foreign.

Cards that are NOT suitable for registration:

• Maestro instant release
• Cards of the Russian payment system MIR
• PRO100
• Visa Electron
• Virtual cards

After completing the registration and activation procedure account, bank card details can be changed, but the binding procedure new card will need to be repeated.

We talked in detail about which Russian bank cards are suitable for connecting to the PayPal system in the article.

Important nuances before registration

• Every person is allowed to have only one PayPal account- this is the company's policy. It is possible to open another account, but only if you are a business owner.
• After registration it is impossible to change the country. You will have the opportunity to change data, such as registration address, zip code, but you cannot change your country of residence.
• If for any reason the service administration blocks your account, then the funds in the account will be frozen for 180 days, during which the proceedings will be conducted, after six months the funds will be sent to you by transfer. Please note that the full name and data for the transfer will be those specified in the account.

Instructions. Let's start registering:

Paypal is available in 202 countries and registration can be completed in more than 10 languages. We will consider registration on the official website in Russian.

• Selecting your country of residence. If you have a Russian passport and registration in one of the regions Russian Federation— choose the country “Russia”, because if for any reason the administration of the payment system requires you to send a copy of your passport or registration page, these data will have to match those specified in your account.

If over time you moving to another country, the only option to change your country of residence is deleting an account and creating a new one, which will require an inspection lasting up to 1 year.

The reason for this is the difference in tariffs for services in different countries.

• Enter email. You can enter an existing address or create a new one. The entered e-mail will be your login to log into the system.
• Enter your password. Invent complex password, consisting of at least 8 characters. Don't use your date of birth or phone number - it's not secure.

Number SNILS or TIN are entered exactly as specified in the documents.

The only caveat is that the data must be entered exactly with the documents you have.

If you subsequently need to send a scan of your passport and the data differs from those specified, the account may be blocked forever, and the funds in the account may be frozen.

The service fee for card verification is $1.95, after some time PayPal will credit the fee to your wallet in the system.

Example of card data entry

Card details can be entered later by clicking the “Skip” button, but in this case, you can only top up your PayPal account with cash.

How to minimize the risk of account verification and freezing

1. Enter only valid passport details. If the service administrator decides to check your account and requests scanned copies of your passport or registration, you won’t have to rack your brains about what you can come up with now.
2. Don't change your linked card and bank account too often. According to experience, in order to avoid being checked, you can change your linked card no more than once a year.
3. Frequent changes of IP address. If you often travel and log into your PayPal account from different countries, the service administration may suspect that your account has been taken over by fraudsters and will ask you to provide copies of documents to confirm ownership of the account. During the verification period, the account is limited for operations, and funds are frozen.
4. Shopping on eBay with goods sent to the Republic of Crimea and Sevastopol. A very “delicate” situation, since the United States does not recognize the annexation of Crimea and Sevastopol to the Russian Federation. All accounts from which goods were paid for delivery to Crimea are blocked without the possibility of recovery.
5. Login to your PayPal account from the IP address of the Republic of Crimea and Sevastopol. If you are going on vacation to Crimea, try not to log into your account or use an anonymizer, since your account will immediately come under lengthy verification.

Frequently asked questions

• How to link a bank account or card and withdraw money from PayPal?— We devoted a whole page to this question and the answer to it.
• My card is not suitable, PayPal does not accept it for linking. — Check out our article, which describes in detail which cards are suitable. The 100% option is to make a Sberbank Visa or MasterCard card.
• The dispute with the seller ended in my favor, but the funds were not credited to my account. — As a rule, the period for crediting funds can be up to 20 days, and depends on the issuing bank of your card.
• PayPal account blocked and asked to send copies of documents. — The only option is to send the required documents. Due to the extremely strict requirements for account security, there is no other way to unblock an account other than following the requirements of the service.

Registration and use of PayPal in Crimea

For citizens of the Russian Federation registered in the Republic of Crimea and Sevastopol, registration in the service is impossible PayPal and its use.

If during registration you enter data like “299055, Russia, Sevastopol...” - the account will be blocked without the possibility of recovery, and your passport data is blacklisted.

Options to solve the problem:

1. For registration and login in PayPal, use an anonymizer, but in addition to this, you will need to at least temporarily register at your place of residence in one of the regions of the Russian Federation on the mainland.
2. Ask your friends to create an account in my name for you. In any case, you will need to use an anonymizer to log in.

Video on how to register PayPal in Russian: