Internet wallet paypal. Linking a plastic card. Adding a bank card

Electronic money payments are becoming more and more popular every year all over the world. In Russia this method payment for purchases is also at a decent level. Unfortunately, not all electronic payment systems allow you to make purchases outside the country, so for such virtual shopping you should create an account in the Paypal system.

How to register with Paypal in Russia will be described in detail below. This operation will not take much time, and for successful registration it is enough to have an electronic Mailbox and a plastic bank card.

What is Paypal

Paypal- this is the most popular system in the world electronic payments, which allows you to make purchases via the Internet in many countries around the world. This system exists on the market financial services over 16 years, so you don’t have to worry about the reliability of this service. The peculiarity of this system is that it provides security guarantees for both the buyer and the seller.

On this moment The payment system operates in 190 countries, including Russia. Register for this resource no more difficult than in social network, but to make money transfers and pay for purchases, you will need to link a plastic card to your account.

How to register with Paypal in Russia

To create a Paypal wallet, you need to register a secure email account. It is advisable to do this on paid service, but if this is not possible, then you can use the services of Gmail mail, which is considered the most reliable among free email services.

You can register with PayPal without plastic card, but to make payment for goods or transfer Money, you will need any bank card with an amount equivalent to 5 US dollars.

Registration on Paypal is carried out in the following sequence:

you need to go to the official website of the PayPal payment system;
press the button "Register";

When the registration page opens, you should select the account type.

If you select « Personal account», then this PayPal option will allow you to pay for purchases and order services via the Internet. This type of account will also allow you to transfer funds from one electronic system wallet to another.

If you register "Corporate account", then it will be possible not only to accept payments, but also to issue invoices for payment. This version of the PayPal wallet, more suitable for entrepreneurs and organizations who plan to implement trading operations using the Internet. This type of Paypal electronic wallet is more secure, but for making regular purchases on the Internet, it is enough basic version PayPal account.

Linking a plastic card

In order for the card to be registered in the system, you must:

indicate the card number, which is on the front side;
enter the validity period, which is also indicated on the plastic card;
indicate the CSC code that is located on back side cards, under magnetic tape.

When all the necessary plastic card data has been entered on the registration site, it will take some time for the data to be verified by the PayPal security service. When the verification is completed at the address Email, which was entered during registration, a letter will be sent. This email will inform you about the binding bank card to the PayPal electronic payment system.

Account verification

In order to gain access to all functions of the payment system, you will need to verify your account. This procedure is carried out to confirm the email address and credit card. To confirm your email, you need to log into your PayPal account using your registered username and password, go to "Profile" - "Change email address". When will it open new page, you must select an email address and click the “Confirm email address” button, which is located next to the mailbox.

After this operation, on mailing address You will receive a message with a link that you will need to follow to confirm email box. Confirmation of a plastic card will take much longer.

To carry out a confirming transaction, there must be an amount of at least 2 US dollars on the bank card account, which will be automatic mode transferred to your PayPal account. To do this, go to the main page in "Add card" and select from the registered cards the one that needs to be confirmed.

Before performing the verification procedure, it is recommended to call hotline bank, and inquire about the possibility of making electronic payments. If a positive conclusion is received, then you can safely proceed to confirming the card. When the card you want to confirm is selected, you must press the button "Confirm". In the window that opens, you must follow the instructions and prompts on the screen to successfully complete this operation. To complete the verification process, you will need to enter the four-digit transaction code on the PayPal website that was assigned during the funds transfer. To get the code you can call the hotline telephone line bank or visit a branch of a credit institution in person. The simplest and quick option- receiving a code on the bank’s website.

Pitfalls of using PayPal wallet

Upon completion of verification, the debited amount will be automatically returned to the plastic card. When linking a card and account, you should enter only existing data, without typos. Otherwise, difficulties may arise that may lead to blocking of your PayPal account.

When making payment transactions with electronic invoice PayPal, if the payment amount is greater than the funds available in the account, the missing amount will be automatically withdrawn from the linked card. If payment is made in foreign currency, then, if necessary, automatic conversion will be made at the exchange rate on the day of the transaction. This function can be disabled in the PayPal settings, but after this there will be no possibility to convert funds on the plastic card.

The disadvantages of the PayPal system include the insufficiently attractive design of the site; as for the other functions of this system, they are at a fairly high level.

In addition to the disadvantages, this payment system has many advantages, which include, first of all, high level security of financial transactions. If any difficulties arise with payment, or dishonest actions are taken by the seller, you can always contact the PayPal system support service, which will certainly help resolve the conflict.

Conclusion

How to open a Paypal account in Russia is described in detail in this article. Linking a valid plastic card is also not difficult. Registration in Paypal Russia does not require financial expenses. To carry out this operation, it is enough to have a computer with an Internet connection. When all registration activities are completed, you can download the smartphone application, with which it will become even easier to make purchases around the world.

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 site Paypal- https://www.paypal.com.

Russian-language interface for Russians, for Belarusians - at the moment only 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 them to any bank account.

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

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 beginning of its activities dates back to 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 is 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 the company's 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, then 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, we confirm your email address, link your bank card, and upload copies of your 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 exchange from 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 look at on the back of the card and consists 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:

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

When transferring to another person, no commission is paid if the operation occurs from an internal account 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.

PayPal is one of the most popular payment systems in the world. You can use it to pay in many foreign online stores. Recently, it has become possible to withdraw money from PayPal to a bank account for citizens of the Russian Federation; for other countries it needs to be clarified. For example, this opportunity has not yet been introduced for citizens of Ukraine. Customers from abroad love to pay on PayPal. True, you always need to take into account the size of the commission, especially if the transfer is not in the national currency.

Step 1. Account registration

Of course, first of all we need to register. To do this, follow the link https://www.paypal.com/ru/ and click the “Register” or “Open an account” button. I recommend choosing "Personal Account". There is also a “Corporate Account” button nearby. A corporate PayPal account is required for legal entities and individual entrepreneurs(IP) for conducting business activities.

Next, a window appears for entering registration data. We fill in all fields. In the first field, be sure to select “Russia”. Of course, if you are from Russia. If you enter the country Ukraine, the interface switches to English language. In the remaining fields, enter everything as usual. Your email address and password twice. Then click the “Next” button.
Now you need to sit for a while, as there are a lot of fields to fill out. But there's nothing complicated here. Enter your real details.

Now you are asked to add a bank card. You can enter your card details and click the “Add Card” button.

Let's now confirm our email address. To do this, go to your mailbox, open the letter from PayPal and press the button as in the image.
Enter the password and click the “Confirm email address” button.

You will then be taken to your new PayPal wallet where you can enter the settings and documentation you need.

A little advice. Do not under any circumstances give the data that you entered here to anyone and do not leave the card unattended so that they do not get stolen. After this stage, if the card is suitable, from a few cents to several dollars will be debited from it. After a couple of days they will return to your card and the card will be verified.

Step 2. Sending and receiving funds.

On the main page, click on the “Money Transfers” button.

Send money to any recipient using their email address and it will be transferred to their PayPal account. If he doesn't have an account yet, he can easily open one completely free of charge. Enter the email address of the person you want to make remittance. Click the "Next" button.

Select the purpose of the payment. "Send money to friends or family" or "Pay for a product or service"

Let's say you want to pay for services. Enter the required amount. Now you need to select the currency in which you want to transfer money. If you need to pay in dollars, select this currency from the list. If in rubles, then this currency will be with you automatically. Once you have entered everything, click the “Continue” button.
If you want your loved ones to transfer money to you, or to pay for your goods or services, simply send your email address that you used to register with PayPal.

Step 3. Accounting for income and expenses

Of course, if you are financially active, you need to keep track of who you transferred money to and who you transferred money from time to time. To do this, simply click the "History" button.
Since there have been no transactions on this account yet, my history is empty. But, as you can see, there are multiple options for displaying information.
That's all. Now you know everything you need to use the PayPal payment system. Of course, there are other possibilities here, but at this stage you don’t need to know more yet.

Having a PayPal wallet for Internet users, and especially for those who often make purchases online, is simply a necessity. It should also be noted that, despite the fact that payment PayPal system is foreign, in our country it is very common and in demand. It is very convenient, comfortable and safe to use to pay for purchases made via the Internet both abroad and in our online stores. Besides, PayPal payment system Perfect for people who love to travel, since payments can be made using it in many countries in America and, naturally, Europe. That is why on the House of Knowledge in the article below you will find some of the most significant features of PayPal.

Registering with PayPal - creating a wallet.

For creating a PayPal wallet you need to go to the website of the payment system itself - paypal.com. Since PayPal is a multilingual system, you can choose the language that suits you. For example, if the English version has opened in front of you, then to select the Russian language, you must find a checkbox on the site, click on it and select the language from the list that opens.

After selecting your language, find the long white “Register” button at the top right and click on it. In the window that opens, two switches will appear, each of which is responsible for creating one or another type of wallet. For example, if you are an individual, then you need to select “Personal Account”. If you are an organization, then highlight “Corporate Account”. Then click "Continue".

After the steps described above, a page for registering a new user will open in front of you. Select your country, enter your email, password and click “Next”. Then in new form Enter the rest of your real data, including full name, address, date of birth and telephone number. Then check the box that you agree to the terms of use PayPal wallet and click "Agree and Continue".

After creating a PayPal wallet You must remember to check its security settings. In addition, at the initial stage, many recommend unchecking the “linking a plastic card” checkbox.

Create a PayPal wallet- this is the first step. After this, you must confirm your account using your personal e-mail: log into your mailer, find the letter sent from PayPal, open it and click on the link confirming the reality of your mail.

Once all the above steps have been completed, you can log into your PayPal wallet and attach a bank card to it.

Pros and cons of PayPal.

TO advantages of the PayPal payment system can be attributed:

This system is quite reliable and easy to use.
It's very easy to withdraw money to your card and make payments using PayPal.
Small transaction fees.
Create PayPal wallet - it’s not difficult.
Payment system very common all over the world where there is Internet.
The system does not cooperate with various types of financial pyramids and scammers.

Disadvantages of the PayPal payment system not many, but still some people find them. For example, some users are not satisfied with the fact that money can be withdrawn to a bank card only in national banks. currency. You can also find complaints on the Internet that this system they were deceived in some way or their account was simply closed.

Summarize. Payment system PayPal- easy to use, convenient and fairly well protected system. It is distributed almost all over the world. It suits some users, but not others, so the need

If you prefer shopping in foreign online stores or are expanding your business abroad, then you will need to create online wallet PayPal. This will expand your capabilities and boundaries of activity. The main thing is to use the system correctly.

Why do you need a wallet in an electronic system?

Compared to similar payment services, PayPal has a number of advantages:

You may ask why not use it for payments Visa card? It is important that the PayPal system is distinguished increased level security: according to statistics, the risk of fraud is 0.17%. If you pay for the purchase using Visa, then every 50th money transfer can go “nowhere”, i.e. the risk increases 10 times.

It's worth learning the intricacies and you'll use the full potential of the electronic system!

How to register a wallet: step-by-step instructions

To get started with PayPal, go to home page service and follow the procedure:

Users are alarmed by the request to provide personal information and provide a phone number. But there is no reason to worry: thanks to these requirements using PayPal wallet is completely safe, and if you forget your password, you can restore it by receiving a message to the specified phone number. Taken measures will ensure account protection.

How to link a card to a wallet in a few steps

To take full advantage of the benefits and pay via PayPal, you will need to link one or more cards to your wallet, which will increase the permissible limit. Follow the procedure:

All that remains is to wait for verification. To carry it out, you need to click “Confirm the card”, after making sure that there are funds on it: PayPal withdraws an amount not exceeding $1.95-2. Since registering with PayPal completely free, the funds will be returned in a few days. Your task is to enter the verification code, which can be found in the following ways:

Clients prefer to use SMS, which comes to the linked PayPal number. You will need to log into your account, click on “Account”, enter the four numbers from the message in the appropriate form, and the process will be completed: the card status on the page will indicate that it is ready for use. All you have to do is click on the image and enter the security code (it is indicated on the back of the card). As a result, you will enable new features and learn how to use PayPal in practice. . If necessary, you can delete it in 2 clicks: “Edit” and “Delete”.

It is worth understanding what PayPal is and how to use it, and further work will be comfortable.

Features of payments: what you need to know

To make payments using the service, you will need to take into account the following details:

Remember that PayPal, as a system for transferring to private individuals, requires careful filling out of the form. When you are going to make a purchase, go to the “Sending and Receiving” tab, select the “Pay for goods and services” option, enter your email address and click “Next”. This procedure pleases users with its simplicity; you just need to enter the data correctly.

When there is a need to pay in foreign currency, and a ruble card is linked to the account, there are no difficulties: when correct settings at the bank rate. All that remains is to indicate the amount and currency to make the transfer.

Once you figure out how to pay with PayPal, you will discover the convenience of electronic transfers.

How to top up your wallet in the system

Usually transfers are made from a bank card, but sometimes it becomes necessary to top up your wallet. There are several methods available for PayPal in Russia and other countries:

It’s easier to receive finance: you just need to click “Withdraw funds” and follow the instructions.

Knowing how to top up PayPal and how to pay for purchases, you will make purchases in foreign online stores without any problems. Familiarize yourself with the nuances and you will be able to open disputes, send money and make purchases around the world.