PayPal service. PayPal payment system: how to use, withdraw and deposit money. The seller wants to return my money for the goods I paid for, but says that funds cannot be transferred to a PayPal account opened in my country.

Pay Pal appeared in Russia recently, so it has not become as widespread as Qiwi. But when shopping abroad you cannot do without this tool. When shopping on Ebay, this is an indispensable thing, since only PayPal users receive the full range of transaction protection services. The service has many advantages over our payment systems, but it also has its disadvantages. Before using any service, you need to understand how it works so as not to lose money. Let's take a closer look at what PayPal is and how to use it.

Unlike many other services, most often the Pay Pal payment system acts as an intermediary between you and your bank. The account balance is also present, but it only performs auxiliary function. You can use PayPal without a card in our country only if you regularly receive Money transfers, and then spend them completely, since there are no other ways to replenish the balance.

The system has two types of accounts: for business and for ordinary users. At the same time, a business account can use all the capabilities of a regular one. Let's look at the operating principle in both cases:

Personal account. A card is attached to it, from which money will be debited for purchases in online stores. Money can be transferred to other users, withdrawn from the system, and checks can be written. The balance can only be replenished by receiving a transfer from another person (in this case, the funds can immediately go to the linked card), or by receiving a refund from the seller on online platforms.
Corporate. It has all the same functions as a personal one, but there are several nuances. Firstly, when creating, you must specify contacts legal entity(or individual entrepreneur) who will accept money. Secondly, the user can create a tool for the site (widget or button) through which he can accept money. Funds go to the account balance and are withdrawn from there to the card.

There are two types of fees: transaction service fee and conversion fee.

Helpful advice!

It is better to disable conversion in the payment system and transfer this matter to the bank. Firstly, it is more profitable. Secondly, this will avoid double conversion. This can be done in the “Settings” – “Payments” – “Payment Management” – “Available Sources of Funding” – “Conversion Options” section. Check the box in the second window and click the “Submit” button.

PayPal has several disadvantages compared to other payment systems in Russia:

The need to link a card.
Inability to top up balance.
High commission for card transactions.
Can't top up account mobile phone.

But when foreign purchases It is necessary to use PayPal, since only the payment system can protect you from unscrupulous sellers. We'll talk about how a little later.

How to install PayPal and use it in Russia?

To work with the payment system, you just need to register and link a card, no additional software no need to install. If you want to use the payment system from your phone, then the markets have free application. Registration in the system is very simple:

Click the “Sign up” button.

Click “Next”.

Click on the flag in the corner of the screen and select “Russia”.

Next, fill in all the fields. All explanations are automatically Russified, so no one will have any difficulties at this stage. At the end you will need to link your bank card.

Important!

The card must be registered in your name.

Using the PayPal payment system in Russia is no more difficult than in any other country:

In the online store we reach the payment stage. Select "PayPal".

Enter the login and password for our account.

Click the “Pay now” button.

About buyer protection?

Buyer Protection – special program payment system created in order to protect customers from unscrupulous sellers. If the user chooses to pay by PayPal, then he automatically becomes a participant in this program.

There is a deadline PayPal protection– 180 calendar days after payment. If during this time the buyer has objective complaints against the seller: the goods did not arrive, arrived damaged, did not correspond to the description, a fake arrived. In this case, the payment system compensates both the cost of purchase and the cost of delivery.

The PayPal system on Ebay works best. Everything is done there simply: until the client receives the product and confirms that it matches the description, the store owner will not receive the money. Moreover, if a dispute is opened on the site, it is automatically opened in PayPal. As a result of the dispute, as soon as the Ebay administration makes its decision, the money will immediately go to either the buyer or the seller.

Useful video

How to add a card to Paypal?

Open the ACCOUNT tab on home page personal account:

You can add both a bank card and a bank account to the system. The credit card can be:

MasterCard
Maestro
American Express
Discover

Indicate the card details that are requested and MANDATORY correct address residence.

Now you can easily pay for purchases and make quick money transfers from your card via PayPal, without fear that your credit card details may be stolen by criminals. There are no restrictions on adding bank cards; you can add as many accounts and credit cards as you like.

Addition bank card includes a procedure for checking it. To do this, $1.95 will be debited from your credit card, which will be returned within 24 hours.

Another remarkable thing about paying for purchases through Pay Pal is that the money is not transferred to the seller until you confirm receipt of the goods and make sure that everything is in order. The exact same payment system is used on Aliexpress; its name is Alipay.

Limit on withdrawal of funds in Russia

In addition, you can transfer money from PayPal to other accounts and cards. But still, the service limits the withdrawal to a limit. For Russian citizens today these are the conditions:

But the limits can be increased. To do this, you need to thoroughly confirm your identity, providing all possible information about yourself or your company, documents, as well as a passport photo.

Pay Pal account replenishment, all methods

In addition to the fact that you can use the system to pay from accounts and cards, it is also possible to keep funds on the paypal account. For this there are different ways replenishment of this wallet.

Unfortunately, you cannot top up your PayPal account from a bank card, for example Sberbank, which is linked to it.

Why do you need money in the account itself? It's simple - when paying this way there is no commission, unlike paying with a credit card.

The simplest of them is transferring money to another user from his own similar account, or when paying for purchases, for example, on ebay. Put something up for sale on ebay and indicate in the method PayPal payment. The money paid for the goods will go directly to the PayPal account, and not to the card linked to it.

The second way to top up your account is through communication shops such as Euroset or Svyaznoy, which are located in almost every city in Russia. Contact a salon employee and he will deposit the required amount into your account for crediting. To do this, you need to give him the email address to which your paypal account is linked.

This method has certain limits:

You cannot deposit more than 15,000 rubles at a time
You cannot deposit more than 40,000 rubles per month

The advantages of this method: availability, replenishment without commission. Cons: limited amount limit and going to a physical salon.

The third way is to bind QIWI cards. Yes, yes, exactly cards, because the familiar Qiwi wallet is just that. To do this you will need to find the nearest QIWI terminal, go to your personal account. Find the tab Bank cards, then Your cards and a button Get details.

The data will come in an SMS message, which must be entered into the PayPal system. Now you can easily pay for purchases with PayPal by debiting them from your Qiwi account.

The disadvantage of this method is a 3% commission for purchases over 500 rubles.

Finally, not the most convenient, but quite feasible way for those who love WebMoney or Yandex.Money. (Or he doesn’t like them, but is simply forced to use them). Of course, it is impossible to withdraw money directly. But there are special exchangers with which you can do this.

One of the reliable and popular electronic currency exchange services is bestchange.ru, and its commission is more or less acceptable. Although this is how to say... In general, the commission figures are crazy and I personally would not use this method. Well, only if it doesn’t press too hard.

See how quickly and easily you can withdraw money from PayPal to your mobile phone number!

Paypal wallet - why should you choose it?

Why has this particular platform won the hearts of many people? To answer this question, let's think logically - why do we need an electronic payment system at all? In order to live fully in the world of new technologies and enjoy all the delights of the Internet: pay for purchases online, pay bills without leaving home, make instant money transfers, and so on.

But, as our life develops and becomes simpler, scammers, hackers and other individuals are never asleep, who come up with deception schemes every day and earn a lot of money in this way. PayPal is designed so that no scammer can get to your funds. To access the money you need to go through two-factor authentication, in addition to the fact that you need to know the login and password for the system.

Pai pal already exists for a long time. Every day about 1000 new users join it. Almost all online stores allow you to pay for orders using this service.

The PayPal system creates a virtual account link on the buyer's Internet. This service is the only one of its kind that transfers money, not virtual currency units. Payment system Pai Pal is completely safe. It guarantees complete account security. However, if the user is caught violating the rules, his account will be instantly blocked.

PayPal today

The official website of Pai Pal does not have a single competitor. The service passed more than $13 billion through user accounts. The payment system offers the following features:

Most online stores allow customers to pay for orders via PayPal;
the service has received more than 20 nominations;
PayPal is approved in more than 190 countries;
in 2007, the PayPal service became available to users in the CIS countries;
The company's website has been translated into several languages, including Spanish, French, Russian, English, and Chinese.

When the company was first founded, it was possible to pay for services only in US dollars. Today you can make payments using euros, dollars, rubles, pounds sterling, yen, yuan, Czech crowns and francs. Account replenishment is carried out different ways, but only a few are available in Russia so far. Reasons for the popularity of PayPal:

The system has the most registered users. In 95% of stores you can pay for purchases using PayPal;
To make purchases, it is enough to know the seller’s email address;
payment for the purchase occurs in a few seconds;
sellers cannot find out the amount of funds remaining in the user's account. The accounts themselves are securely protected. If an account or money is stolen from a user’s virtual account, the system will be held responsible, and if the funds cannot be returned, the company will compensate for the damage with its own money.

Reviews about Pai Pal are mostly positive. Among them complete absence commissions for payment for any goods. The buyer will be able to enter into a dispute with the seller due to problems with the order.

Pay Pal payment system: financial activities

When registering in the pay pal payment system, the user links a bank account or card with an electronic identifier, that is, email. Once the client has registered, he can start using the system. When using the Pai Pal payment system, it is important to know how to top up your account. This can be done using a bank card, by contacting communication shops or through another virtual wallet.

The money that goes into the service account is stored in Wells Fargo Bank. A Insurance Company SafeWeb Insurance protects the client when withdrawing an amount exceeding $100 thousand.

The PayPal system administration trusts confirmed client accounts, that is, when the bank account information is completely filled out. Verified accounts have fewer restrictions and are less likely to have their account blocked.

Pie pal has own wall, where users can leave their complaints about the operation of the site. Basically all users write about the fact that for some unknown reason the service blocked their accounts.

PayPal Services and Accounts

To register with PayPal in Russia, the official website of the system offers tips for the user. After this, several services are offered that they can use:

transfer money from a bank or virtual account to another account;
send a request for a refund to debtors.
place payment tools on your personal website. This service can only be used by Premier and Business account holders;
pay for purchases at auctions;
install automatic mailing requesting payment.

On the official PayPal website, a personal account requires the user to have one of three types of accounts:

Personal account. It is intended for transferring funds to relatives, friends, and paying for in-system purchases. You can deposit a maximum of $500 into your account per month. You can deposit no more than $100 monthly to an account with an unconfirmed account that was created in Ukraine or Russia. There are no restrictions for US accounts.
Premier account. It is used when you need to translate frequently large amounts, which are limited in a personal account.
Business account. This option is usually used by financial companies. The invoice contains the details and logo of the organization. In order for a company to register a business account, it must have registration number taxpayer.

You can check your account limits in the Pay Pal payment system after providing your personal data.

PayPal work in Russia

The Pay Pal payment system in Russia provides only two services. This is payment for various purchases and acceptance of payments. You can only pay for purchases in rubles. To create an account in the system, just register on the official website. And the user ID will be the email address that he enters during registration.

Russian users also have a service called selling virtual cards PayPal with a certain amount of funds on them. For such a card you do not need to provide personal information. Deposit and keep on such a card large sums money is not recommended, as the account may be blocked by the system due to unspecified data. If this happens, the money will not be refundable.

Linking a card in Paypal

To link a card to PayPal, you need to provide its number, information about the card owner, expiration date and confirmation code. After checking the data, the system will perform the binding. Check the card this way:

is removed from the card a certain amount, no more than two dollars;
the user confirms the withdrawal, which completes the binding;
withdrawn funds are returned to the card.

Transferring money to PayPal is carried out using special request. This can be done by issuing an invoice or in the form of a specially completed form.

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 - on this 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 electronic currency exchanger: 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 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 Personal account PayPal. 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 needs to be confirmed, which is done in your personal account. Click on the Update button next to the line Email 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 you need to close and delete your account in the future, make sure that there are no remaining funds on your PayPal account or any 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 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 look at back side cards and consisting of three numbers.

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 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.

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

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

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

Commissions and safety of working with money in PayPal

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

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

All options for commissions charged in PayPal can be viewed.

But if both of these pitfalls you will not meet, then, indeed, you can use the system as a buyer absolutely free of charge, while receiving higher protection from fraudulent activities, and in case of purchase on eBay - also free guarantee for the correctness of the transaction(if you contact Dispute, the seller’s account will be blocked and the money paid will be returned to you over time, and if it is no longer in the seller’s account, 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, theft of registration data and data plastic cards using fake emails inviting you to authenticate on fake sites () is still very popular. But here it will be enough to make a rule - never enter a resource related to money using any links from letters or websites, only from address bar or from your browser bookmarks.

Registration in PayPal and linking a plastic card

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

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

Well, for most future PayPal users the best option will register an account for individuals by clicking on the “Continue” button. You will be asked to fill out a form with your 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 mobile phone number, otherwise you will not be able to register. It may later come in handy when restoring access to PayPal if your password is lost.

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

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

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

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

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

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

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

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

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

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

In this regard, Paypal turns out to be a payment system that is far from anonymous, but it significantly increases the security of work. It 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 large online stores bourgeois. Payel 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 be, if necessary, withdrawn to your account in any Russian bank.

Methods for withdrawing money from a Paypal account for Russia

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

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

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

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

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

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

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

Actually, all that remains is to enter them:

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

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

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

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

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

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

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

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

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