PayPal - what is it and how to use it? Registration with Paypal. Opening an account

All tips

A rather interesting historical fact - the vast majority of innovative companies were created by Russian emigrants and in California. “Silicon Valley” can safely count on a place in the Guinness Book of Records in this matter.

Well, judge for yourself - companies such as Genesys (Alex Miloslavsky and Grigory Shenkman), Acronis (Sergey Belousov) and, of course, the great Google (founder - also a native of Russia, Sergey Brin) were founded here, as well as Invincible Data Systems (founders — Sergey Burkov and Alex Fried). California has some kind of attraction, since companies founded in other places have also moved here, such as SWsoft of the same Belousov, Parametric Technology of Samuil Geisberg, Aelita led by Ratmir Timashev and many other world-famous brands.

So if you want to become the owner of some super-megagalactic company, like Max Levchin with his already world-famous PayPal system, you are welcome to Sunny Valley. But these are all lyrics, and the facts that relate to the largest debit electronic payment PayPal systems, are:

1. PayPal Inc. was founded in 2000, in March, through the merger of two companies - Confinity and X.com., which were already owned by Max Levchin at that time. Immediately after its birth, the company focused on its service electronic auctions, and by the end of spring 2000, more than 1,000,000 auctions offered payment via PayPal.

2. PayPal finally entered eBay in October of the same year, and since that time, more than 50% of all eBay transactions have been carried out through PayPal payments, including already in Russia and Ukraine (since 2011). Most major PayPal competitors were sold or simply closed. As of 2012, PayPal operates in 190 countries. In September 2011, 24 types of world currencies were used in the PayPal system.

3. At the beginning of this spring, PayPal released a product with the intriguing name PayPal Here (PayPal here, or PayPal with you). With the support of this device, it will be possible to pay PayPal with a credit card through cellular telephone. So far, this development is only supported by the iPhone, but soon it is planned to organize work with phones on the OS. PayPal Here is a card reader shaped like a small blue triangle that attaches to your phone through the headset input. The commission on the payment will be 2.7%. On debit card, which PayPal also now provides, will return 1% of the transaction. In total, the commission will drop to 1.7%.

How to get started with PayPal

To start using this monetary electronic payment system, you need, of course, to register. Since PayPal already works with clients in Russia and Ukraine, let’s consider this process using the example of its branch https://www.paypal.com/ua (you can also https://www.paypal.com/ru, since they are almost the same at work). start page service looks like this:

More precisely, this is how it will look after you click “Register” in the place where the “Login” sign is now located. As you can see, for now we only need to select the country of residence and indicate the language of our future page. I think that many will register as a private individual, so I will focus on this point. Follow the link “Open an account”. Here we see many fields that need to be filled out. Since the service is Russian, there will be no problems understanding what needs to be written.

There's a lot of information here, but trust me it's worth it. Oh, by the way, PayPal in the post-Soviet space works with cards such as Visa, MasterCard, Discover and American Express, so before registering, you need to make sure that you are the proud owner of one of these cards. And further. With PayPal you can use a virtual MasterCard or Visa card, but this is only for residents Russian Federation, for Ukraine such an opportunity does not exist.

After filling out all the fields, you will need to link your debit or credit card to PayPal. On the “My Account” page we will see the words “Confirm address Email" and "Connect or verify my debit or credit card." The account status in the account will be identified as “Unverified” and the current account will have $0.00. But first you will need to confirm the existence of your new account. This is done simply: a letter is sent to the e-mail that you specify during registration, which will contain a “Link a card” link and a confirmation code. By following the link to the main page of the service, you can continue to work without hindrance. The confirmation code is not useful now; you will need it if you forget your password.

In order to link your card to your account, you will have to do this. Click on the “Continue” button on your account page and enter the number credit card, card expiration date and CSC code. For Visa, MasterCard and Discover holders - the code consists of three digits which can be seen on back side cards in a small window. For those who have an American Express card, the code is four-digit and located on the front of the card:

After entering these numbers, click on the “Continue” button. Now our PayPal account is activated and you can use it. But in this case, we will only be able to withdraw money (which we do not yet have in the account), so we will have to do a little more work to finally link the card. Do you see the “credit card link” link in the screenshot? To link the card completely, we must have money on the card, at least $2.

After clicking this link, we will receive a letter from the system stating that $1.95 was withdrawn from our card account, and in order to completely legitimize the linking of the card, the system will require you to enter a four-digit code. We will find this code using banking from the account statement. We will get those two dollars back in a day, about which there will be a corresponding notification via email from PayPal. That is, it turns out that they took money from us only to test for greed (just kidding). Of course, the money was withdrawn and returned to check our creditworthiness and once again check our valid e-mail. Now you can fully and seamlessly work with PayPal.

How to Contact PayPal Support

Situations in monetary relations are different, and in order to resolve them you will need to somehow contact Paypal support. Technically, this operation is simple - at the bottom of the page, after logging in, we will see many links, and among them is “Contact us”:

After clicking on this link, we get to a page where, depending on your needs or capabilities, you can either send your question by e-mail, or call and talk with a consultant of the company, or rather, the Paypal representative office in Russia or Ukraine - in depending on where you live. To my regret (and I had to contact support about card verification), in any case you can only communicate with the guys on English language, so it’s probably sometimes easier to communicate via e-mail:

If our card is not yet linked to the account, then it will not be possible to ask a question by mail, so all that remains is a conversation by phone. Here, too, not everything is so simple - if we decide to make a call, we will first be asked to confirm our identity by providing our phone number or customer service PIN code, or we will have to indicate our credit card or bank account number. However, these are all little things that won’t take much time:

One more thing. The code that you see in the screenshot, which you will need to enter to make the connection, is only valid for 30 minutes. Next, if we don’t have time to compose the request correctly (when I say correctly, I mean that you will need to select a topic for the request and its subsection, as well as the request itself), you will have to go to the page again. Helpdesk operators are available from 8am to 4.30am GMT, Monday to Friday. The language for communication is English. Since, without understanding it, you can send a letter on Friday evening, you will have to wait for a response for several days.

This is useful to know

You will have to figure out the problems that may arise on your own, since judging by my experience and reviews on various forums, it is virtually impossible to get a more or less normal response from Paypal support. Indeed, I got the impression that the section employees respond with words from their documentation.

One day I needed to contact them, and the answer I received, naturally, was in English (which is what I expected, actually). But that’s not the point – it wasn’t difficult to translate it, it was just so long that it barely fit on the page. If you convey the essence of the answer, it was like this: “Use another card.” And the question was about the fact that I already have one card linked, but I can’t link the second one.

Of course, no one here is going to complain or blame the support staff - they have many branches, and there are even more people like me. Therefore, for such general issues They developed a unique form of response. Yes, I don’t mind - having figured it out on my own, I not only understood the essence of the problem, but also gained experience, and as you know, this is an invaluable thing. By the way, I waited about a week for an answer. A good and correct solution to this problem, although small in my version (and on the scale of Russia this is probably already a pressing issue), would be to create a help document for Russian-speaking users. It seems to me that then the main service would be a little unloaded, and users would receive more accurate information.

I presented my problem in English. Perhaps the operators just laughed at my “correct” English. And they certainly cannot solve my problem with connecting a domestic bank card. That's why I finally connected the virtual card. And the problem I had was that I wanted, in addition to the standard Master Card, to connect a Privatbank card, which, in principle, is possible, but only through connecting a virtual card. In addition, if you asked, for example, the following question: “The payment does not go through,” then the system that works in automatic mode, simply cannot answer your question. The guys can’t know everything - what bank I have, what its operating hours are, etc. A domestic system certainly should be supplied with such data.

The most common questions for Paypal support

Problems with activation or operation of a payment card. First of all, you yourself should know whether your bank accepts online payments and whether your card is suitable for this. Based on experience, not all credit cards are suitable for this. Many banks set restrictions on conducting transactions on the Internet. This is associated with various risks and the capabilities of the bank itself.

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

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

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

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

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

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

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

Yes because PayPal has a number of interesting benefits.

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

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

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

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

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

Commissions and safety of working with money in PayPal

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

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

All options for commissions charged in PayPal can be viewed.

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

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

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

Registration in PayPal and linking a plastic card

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

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

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

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

If you did not provide real personal data during registration or entered it incorrectly, then there may be a problem with restoring access and possible loss of funds frozen in your PayPal account:

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

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

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

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

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

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

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

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

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

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

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

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

Methods for withdrawing money from a Paypal account for Russia

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

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

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

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

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

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

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

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

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

Actually, all that remains is to enter them:

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

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

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

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

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

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

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

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

You can watch more videos by going to

");">

Instructions for registering a PayPal account

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

To open your account in electronic system payments to Russian citizens will require:

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

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

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

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

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

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

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

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

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

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

PayPal account verification

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

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

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

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

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

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

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

In the 21st century, it is becoming one of the most promising methods of payment between seller and buyer. Evidence of this is at least the fact that in Russia alone in 2013 the market volume electronic money exceeded 2 trillion rubles. If we compare this figure with 2012, we can see that the market ecommerce 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 creation, the company began servicing 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 the desired language), click on the “Register” button and in the next window select the “Personal Account” tab, then click on the button "Continue".

After this, the browser is redirected to a page where you must indicate your country of residence, email, and set a password to log in to 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(first name, last name, date of birth, nationality, city, street, postal code, and telephone number). All data should be entered correctly in order 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 is one more 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 site). 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 digits that are located 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 automatically 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 limits on withdrawals of funds.

The minimum limit for CIS citizens is $50 or the equivalent in another world currency. Maximum withdrawal of funds per day (for residents of the Russian Federation) on this moment- 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 a business, there is no limit on currency turnover per day, and, most importantly, you can accept money into your account from any other bank or from an e-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 in electronic format or by mail a scanned copy of your passport (with registration) and confirm your mobile phone number. This data is confidential, you can be sure that it will not get into bad hands via 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 a bank account without delays and other minor troubles;
Availability exclusive services(among them - seller protection)

Why PayPal?

Among all kinds of electronic services on the Internet, PayPal takes 1st place. And this is not without reason. Because the PayPal system - what is it if not the most safe place for storing 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, a certain figure cannot be named, since it all 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 in transfers within the Russian Federation, then you can find an alternative, but if the receipts come from different countries, then you should definitely choose PayPal.

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 special button(it's 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:

translate cash to your loved ones 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. By filling out the required fields (full name, passport details, residential address, telephone number, etc.), you must confirm that you have read user agreement, and then click the “Agree and Create” button.

You can register, open and top up your account completely free of charge. At further use you can always change its status from personal to corporate. Creating a wallet, regardless of type, is possible exclusively 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 bank card number, its expiration date and the CVV2/CVC2 code (the last three digits on the back of the “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 needs to be taken in order to start using the payment service is to confirm your email address. 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 in the upper right corner of the 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 the total amount of 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 operation.

Next to the operation you will see a verification code (4 digits) like 2016CODE. Log in to your payment system account 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 available options payment.

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. However, it does not have to be linked to your account. bank card. 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?

Start PayPal account possible to make secure and fast money transfers. To transfer funds to friends and family, you only need to make a couple of clicks. Just log in Personal Area 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.

Send remittance it is possible 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 the verification is completed, you can freely withdraw money to your bank account, not forgetting about the 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 a bank terminal (ATM).