Pay pal payment system. Which payment card should I choose to use PayPal? What is PayPal and how to use it

So, you have read our article “Getting to know the PayPal payment system” and decided to become a user of this most popular payment system in the world. The solution is very logical: the vast world of foreign online shopping will open up for you, you will be able to independently pay for purchases at the ebay auction and hundreds of other online trading platforms.

Did you know that the name PayPal consists of two English words: " pay" And " pal" and literally translates as "pay your friend"?

Opening and maintaining an account with PayPal is completely free. There will be no surprises here. PayPal, of course, is not a charitable organization; a commission is charged for services, but this applies to recipients of funds and sellers.

To register with Paypal you will need:

A payment card that must contain an amount equivalent to at least several US dollars (otherwise PayPal will not be able to authorize it). You can find out more about which card to choose for work in our series of articles devoted to this issue.
Electronic mail (e-mail). In theory, any email address will do. As a recommendation, we can only offer do not use free services, and if there is no alternative to them, then stick to the most secure ones - for example Google Gmail, Yahoo Mail, Yandex Mail.

Registration in any online service is, as you probably already know, not difficult. And PayPal is technically no exception here. However, there are important nuances that you should definitely know about in advance. This company very carefully monitors compliance with the rules and, if they are violated, can simply block not only the violator’s account, but often other accounts associated with it with a lifetime ban on registering again. What is worth knowing right away?

An individual is allowed to have only one PayPal account (there is only one exception: you can have one personal account for personal purposes, and one corporate account for business).
It is possible to delete your Paypal account, but the procedure is not quick. You submit an application, the account is frozen for 180 days (the period for considering possible financial claims against the owner) and then closed after about a year. You cannot open new accounts during this time. All closed accounts are under close scrutiny.
You cannot change the country of registration in your account, unlike other data.
If an account is blocked due to violation of the rules, the funds on its balance are frozen for 180 days and after this time are transferred to the owner. However, if it turns out that the owner’s data is falsified, then he will not be able to receive these funds.

Registration instructions:

You can ask questions about how to register with PayPal on our forum.

According to reviews from many users: it is advisable to verify the card immediately after registering an account, because Before the card is verified, there are quite strict limits on the amount of one-time payment sent. Card verification, as a rule, does not cause any particular difficulties for anyone.

Helpful information

If you live in one of the CIS countries (except for the Russian Federation and the Baltic countries), then after registering with PayPal your balance will be zero. Don't worry - there's nothing wrong with that, it's the way it should be. Funds will be withdrawn from your bank card as needed. When returning, the funds are returned directly to the card.
Residents of the Russian Federation and the Baltic countries are allowed to accept payments. The funds withdrawn from the card during registration and verification will be immediately credited to their account balance. In order to send a payment, they do not need to replenish the balance - funds can be withdrawn both from the account and directly from the payment card. For example, if there is a certain amount on your balance, but you need to pay more, then the missing funds will be charged from the card.
In Ukraine and Kazakhstan, you cannot accept payments via PayPal, as well as withdraw funds from PayPal to a bank account.
After linking the card, no matter what currency it is in, be sure to immediately change the conversion center, setting the default center not to Paypal, but to your bank. Otherwise, there will be extra expenses.
Don't experiment with PayPal by introducing other people's cards, different bank accounts, etc. Don't draw attention to yourself. Otherwise, you risk being audited.
Do not give your PayPal account login and password to third parties. Do not participate in dubious transactions or accept dubious offers where you are asked to pay for something, promising huge commissions.
If you log into your PayPal account from different countries (calculated by IP address) or there are simply a large number of logins from different computers, it is possible that the security service may suspect that unauthorized persons have accessed your account. Such an account risks being blocked, and you may be asked to send copies of documents.
Very often, scammers send fake emails online that look like real emails from ebay, PayPal, CityBank etc. These letters vary in content, but ultimately require one thing from the user: follow the link in the letter and enter your username and password. As you probably guessed, this whole scheme is designed to trick you into giving you your username and password. By following the link, you will be taken to a fake website (usually just a couple of pages) of the company on behalf of which the letter was sent, where you are asked to log in. If you fall for this scam and provide personal information to scammers, you can get into serious trouble. There is only one way out: do not believe everything that comes to you by e-mail, no matter how plausible it may look. Check links carefully. Enter your username and password only on the authorization page, which you reached by typing the address yourself, or using a link from your browser bookmarks. And remember: if we are talking about a real payment system, then it will never require your login and password by e-mail. If you receive such a letter, it means that it was sent by scammers.
Do not use "instant" (or prepaid/gift) payment cards that can be purchased online. Such cards, as a rule, do not have the owner’s first and last name (any name can be specified), as well as a plastic carrier - they simply send you a number and expiration date. The cost of using such a card in PayPal can be high - your account will be blocked once and for all. Remember: only a bank can issue a credit (or debit) card after carefully checking your personal data.
When returning funds (full refund through "Dispute" or partial refund), the money does not appear on the card immediately. Usually your bank (and the timing depends only on it) keeps them in a “frozen” state for another 3-20 days.

Video instructions for registering on Paypal

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 ability to pay for goods with this electronic currency, and the Ebay online auction will add 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 a 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 the address bar or from 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 would be to 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 access it more often than usual from 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 provided incorrect personal data during registration or entered it incorrectly, 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.

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 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 card 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, I had to link my PayPal account to my account (for which 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, 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 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

A relatively new opportunity to receive payments to your account has 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 redundant to me, but not so long ago, when trying to withdraw money from one affiliate program, there was no other suitable withdrawal method 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 for 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

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PayPal official website

The main purpose of PayPal is to accept payments for goods purchased on the world famous auction site eBay. At the moment, the official PayPal website is operating in Russia. Before you proceed to registering with PayPal, you need to find out what capabilities the system can provide its users and how to create your own wallet and use it.

Due to the great popularity of PayPal, most virtual stores have registered their wallets in the system in order to accept payments from customers in Europe and the USA, as well as in the Russian Federation.
At first glance, it may seem that there is no difficulty in the process of registering your own account and creating a virtual wallet. However, it is at this stage of registration that difficulties arise due to ignorance of the following points:

how to link a bank card;
which bank is better to deal with;
what email address to use;
which is the most suitable account.

What do you need to register with PayPal?

The PayPal virtual wallet is provided to users free of charge. When registering PayPal in Russia you must:

, using any suitable mailbox: Yandex, Gmail, Mail, etc. It is advisable to use paid services from the “com” zone; this is a recommendation from the PayPal security service. The Gmail resource is traditionally used. Despite the fact that this service is free for the user, its level of protection is quite high, which deserves special respect.
You need to register, to open which a few dollars will be enough. These facilities are required for authorization behavior. Otherwise, you won’t be able to link a credit card. As a rule, Russian banks provide the opportunity to open virtual cards in different currencies, including USD.

When both of these conditions are met, you can begin the step-by-step process of registering PayPal in Russia.

Registration procedure for PayPal

First of all, you need to go to the official portal. Next, find and press the “Register” button.

Then a page will be displayed where you need to select the optimal account.

Personal account- is a virtual wallet designed for paying for goods/services via the Internet, as well as transferring funds to other wallets within the system. Leading tips and account descriptions are displayed on the screen.
Corporate account. It is usually used by private entrepreneurs specializing in online sales. This type of account provides its users with quite broad capabilities and has good protection.

After the wallet type is selected, you must press the “Continue” button. Here you will need to select Russia (the user’s country of residence) from the general list provided. Then, just below, you enter your email address and password, which allows you to log into your personal account. The password must include 8 characters of numbers and Latin letters.

When passwords, email and country name are entered, press the “Continue” button. Next, you will be presented with the next page to fill out your personal data. They should be entered in Cyrillic, despite the fact that the system itself is of American origin.

At this stage, the series and number of the passport, registration address and telephone number are indicated. Then you need to confirm that you have read and agreed with the current rules of the license agreement and click the button that says: “I accept and create an account”

All entered data must be reliable. The information is thoroughly checked by the security service.

Linking a card to PayPal

Here you need to fill out only three points:

All virtual card details can be found at your nearest bank branch. You will need to provide an identification document (passport or driver's license). Or find out all the information through online banking.

Once the card is complete, PayPal security will verify it. After which a letter will be sent to the specified email address. As you can see, the registration process is quite simple. The main thing is to take into account all the associated nuances so that no difficulties arise during filling.

Confirmation of rights to email and card

Completing registration does not give you the right to use all the features of PayPal in Russia; you must undergo verification. Its purpose is to confirm that the mailbox and credit card belong to the applicant.
To do this, you need to log into your personal account and go to the “Profile” section. A menu will appear where you need to select: “Add/edit email address.”

A page will be displayed where the mailbox specified during registration will be displayed. Having selected it, press the “Confirm” button. A link will be sent to this email soon. You will have to cross it.

Next, you need to confirm your credit card. Go to “Profile”, where you need to select: “Add/change bank card”.

Then you need to carefully follow the prompts on the screen. For verification, 1.95 USD will be charged from the credit account (they will be returned in full). After debiting the funds, you should find a statement of financial transactions for the card you are using. You need to find four numbers in the payment information and enter them on the PayPal website.
You can request a statement by calling the hotline, at a bank branch, or using Internet banking. Since PayPal operates in Russia on an official basis, problems with registering and linking a card never arise.

On a note:

Personal data must be entered valid.
After confirming the card, if there is not enough money in the current account for payment, the missing part is debited from the linked card automatically. Funds are converted at the rate set by the bank at the time of payment.

Registration with PayPal on video

My respect, dear readers, admirers and all other individuals. Today we’ll talk, as we understand from the title, about.

I think I won’t be mistaken if I say that only the lazy (or deaf :)) have not heard about the possibility of purchasing various interesting “things” from anywhere in the world, via the Internet, for example, in, from our partners from (or anywhere more).

But much less is known about how to do this quickly, conveniently and safely (especially in Russia). What's the matter, you ask? The answer is simple - not many payment systems, especially time-tested ones, can guarantee such a high level of service.

As you remember (you remember, right? :)), we have already talked about the so-called electronic money and, in particular, about the payment system. Today we will talk about the most popular, safe, international (including support for the Russian language) system. And her name is: “Pay your friend!” Yes, yes, - you heard right, this is how the name of the system is literally translated.

So, meet the world's largest online"a new payment system, access to which was closed to Russian users, since 1999 of the year - . It is this that allows you to make normal purchases on the burzhunet, in particular on the huge and powerful one, as well as use the button Donate and thank your favorite sites (and not only them) :)

Let's get started.

Introduction to the payment system - overview of the essence

A little history.

As you may know, in the post-Soviet space, the undisputed (well, almost) leader is the Russian system Webmoney. The palm of the world championship was firmly captured by the American company, which was acquired by the famous American online monster. Since then, it has been the most popular method of receiving and sending online payments at auctions, in most American and Western European online stores and one of the most dynamically developing electronic payment systems in the world.

Why is it popular, you ask?

The first is globality. Using this payment system, for example, a resident of the Russian Federation can easily make a payment in any online store in the world, in any currency, and the funds will be received in a matter of seconds;
Secondly, speed and simplicity. When making a purchase, you don't need to enter multi-line bank details or payment card details every time. It is enough to know the recipient's identifier, and, according to an ingeniously simple idea, it corresponds e-mail the address that the user used when registering;
Third, in order, but by no means least important, is security. No one except , will know your payment card details. After all, leaving them in all places where purchases are made, you see, is quite unpleasant and dangerous;
And, most importantly, PayPal protects most purchases in stores connected to it and, in case of problems with the seller, allows you to get your hard-earned money back.

In addition, it is a powerful financial instrument, where all operations are carried out with “real” money, and not with “title units”, as in the same system Webmoney.

So, here's what we have in terms of services provided to users:

Sending a payment (Send Money). The user can transfer a certain amount from his personal account in the payment system, as well as directly from a bank card or bank account linked to an account in
Money Request. Using this type of service, the user can send letters to his debtors containing a payment request. You can address your letter either to an individual person or to a group of debtors;
Placing tools for accepting payments on the user's website (Web Tools). This service is only available to owners Premier And Business accounts;
Auction Tools. The payment system offers two types of services. Firstly, automatic sending of payment requests. Secondly, auction winners can pay directly from Web-the website where the auction is held.

I would like to note right away that the all-inclusive package (maximum set of services) is available only to residents of the USA; for Russia, this is still sending/receiving payments, paying for purchases in stores and withdrawing funds. However, the company is actively involved in “our” direction. Therefore, in the near future, we can expect an even greater expansion of opportunities for Russian users.

Now, in fact, let’s move from words to deeds, i.e. to the process itself.
Well, let's go...

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Preparation for registration and further process

The mechanism for working with the system is as follows. You “link” a payment (credit, debit, payment) card (or several) and/or bank account to your account. You can automatically top up your balance at any time (terminal, ATM, etc.) or withdraw money received from someone. If you sell something, you can accept payments from customers directly from their payment cards (they do not need to have an account).

To register in the system, you will need:

A plastic card (ideally linked to a current account, i.e. not a credit card), on the account of which there must be an amount (attention!) equivalent to at least several dollars USA, (three dollars should be enough) otherwise you won’t be able to authorize it. Read more about the cards below;
Working e-mail address: the best option Not use popular free services like @ mail, but something like [email protected](For example, ). Mail is also suitable. The security service has more confidence in them.

Also, you should not create a “banal” password (qwer123) for your mail, because information on your transactions with the card will flow there. Password security issues were discussed in the article: "", - so don’t forget, use it!

Now about credit cards. I don’t want to “burden” you with unnecessary banking terminology, so in order to remove all questions, I’ll just give a specific example.

Card type – VISA Classic or MasterCard Standard(and higher);
Issuer (who issues) – Sberbank of the Russian Federation;
The account currency is the one in which the majority of transactions will be carried out (rubles or dollars). However, PayPal can convert any currency into any, so there shouldn’t be any special problems with purchasing and transferring funds under any circumstances.

If you do not have your own card, then you should know that the process of obtaining a plastic card takes, on average, 1-3 weeks (although some banks can issue them almost instantly), so if you decide to give them to your loved ones, then take this into account (plus delivery can range from several days to several months, depending on the method and country).

Now let's move on to the most important thing, the process of account registration and verification.

Step-by-step registration instructions

The registration process in the system is quite clear, and with the opening of the Russian-language version of the site it has become a breeze, although after the introduction of a number of laws, it is required to provide information about documents proving your identity.

Step 1. Open the Russian-language official web page of the payment system

First, let's go to the site itself and click on the button “Register.”

Note! to a special extended protocol (HTTPS), it ensures the protection of transmitted data and indicates the authenticity of the official website.

Step 2. Choose to create an account: “Personal” or “Corporate” PayPal

We moved to the next page, namely registration.

First, select the type of account to create. In our case, we will use it ourselves, for our own selfish personal purposes. We choose for you and “ Opening an account».

Now we select a country (or region), indicate the login and password to log into our future account. Do not forget that the password should not coincide with the login, and must also contain numbers, letters of the Latin alphabet and even symbols, as we have already mentioned above.

Step 3. Fill in personal information for our account

As mentioned above, from a certain point on, legislation and regulations actually require a lot of personal information. Unfortunately, this is an inevitable step, but you shouldn’t worry too much about it.

Next, you will be taken to the page for managing your account, where you will be clearly shown which fields still need to be filled in (in general, not so many), and will also be provided with almost all the necessary tools for working with your account:

To begin with, we recommend that you confirm your email address (which is what you are asked to do), which you can do by clicking on the link in the letter that was sent to you. Email after registration. By the way, the one you indicated Email is also the account number for receiving payments.

If the letter has not arrived, then you should wait or look in your spam, trash, notifications, etc. folders - maybe it accidentally (which is unlikely) got there.

Step 5: Set up PayPal account security

Here you can choose which notifications to receive by email, which ones Email and what categories may be of interest to you in general.

Let's move on to the last step, which causes the greatest difficulties, namely checking (verifying) the card in .

How to confirm (verify) a card and account

To fully work with , you need to verify (not to be confused with register) your payment card. This is an additional security measure that will confirm that you are the owner of the card you are using and will allow you to use it to replenish your account and make payments.

By going through this procedure, you will also raise the limits (turnover limit) of your PayPall-account and reduce the likelihood of the latter being blocked.

This is not as difficult to do as it might seem, but for some reason it still causes difficulties for many.

First, click on the name of your card (if you added it) or add it (if you did not).

The confirmation process requires funds on the card. At the time of updating this article, the minimum required 60 rubles (equivalent 1 US dollar at the current exchange rate), but this value may change over time.

By clicking on the " Continue", in fact, this same amount will be written off from you (in 60 or more/less rubles). , as you can see in the screenshot above, offers to check your account statement in a few days, where, in the payment purpose, the code will be indicated, which is exactly what is needed for confirmation.

In fact, if you have a mobile bank, online bank or their equivalent, then either on the Internet (bank-client) or via SMS, you will immediately receive a notification about the debit, where you can see the same code (at the time of update articles this 4 numbers between letters, like PP1111CODE, Where 1111 and there is a code).

This same code must be entered in the card confirmation window (you may need to go to your account and click on the card again to confirm):

Click, enter the code and click on the corresponding button:

Now you have a personal account, with a card (and possibly an account) linked to it, all restrictions on purchases have been removed and you can easily “plunge” into the vast world of foreign (and not only) online shopping / and try to transfer some... or money.

If it works out, then everything works “Hurray!”.. Well, we will be grateful;)

Remember a “pack” of tips (memorize them like “Our Father!”), which will be useful to you when working with the payment system:

Do not give your account login/password to third parties PayPal, PIN codes, card addresses and any other important account information;
Use a secure protocol (HTTPS://) and visit only official websites of the payment system and secure stores with this protocol;
If possible, use “your” only IP– address (exit from your home PC). If you log into your account from different countries (calculated by IP address) or there are simply a large number of logins from different computers, it is possible that the security service may suspect that unauthorized persons have accessed your account. Such an account may be blocked, and you may be asked to send copies of documents (do you need this?);
Beware of scams (from [email protected]) emails in the column " Sender", which indicate “pseudo-services” or
Do not use “instant” credit cards, which are often offered on the Internet under various pretexts, do not provide your PayPal account information on dubious sites, etc.;
Opening (not counting debits to confirm the card) and content of the account is absolutely free;
Sending funds to , is conditionally free (a commission is charged by your bank and/or a little by yourself when converting currencies between rates). The system commission is for the recipient of the money, not the sender;
If you have any questions or something doesn’t work out, you can always visit “ PayPal Help Center", to their technical support or;
To send money you just need to know Email the account of the person you want to transfer to. And, on the contrary, in order to receive, you need to give yours (NO MORE details are required to be given).
To pay in online stores, nothing special is required except choosing the appropriate payment method and logging into your account;
You can pay and transfer money in any currency, any store or country (even in tugriks) - the funds will be converted at the internal rate of your bank and.

In particular, you can create your own page to receive, as we did (). In a nutshell, something like this.

Afterword

Well, today, you have one more “useful tool” in your arsenal. There were relevant articles on Webmoney and Yandex.

Well, we were glad to tell you about such a fast and convenient way to transfer money, secure payment for purchases, etc., etc., like.

As always, if you have any questions, additions, thanks or other differences, write them in the comments to this article.

Against the backdrop of the rapid development of the World Wide Web and, as a consequence, the spread of online trading, there is an urgent need for reliable payment methods. The emergence of electronic payment systems has made it possible to fully satisfy all these requirements. At the same time, the American company PayPal became the leader:

Reasons for popularity

The PayPal payment system was founded in 1998 by American financier and lawyer Peter Thiel and a Soviet programmer. Maximilian Levchin, who immigrated to Chicago in 1991. Today it is the most popular system for paying for goods/services, receiving and sending payments on the Internet, available in almost 200 countries around the world. The number of registered users exceeds 20 million. At the same time, PayPal is not slowing down the pace of development.

Benefits of working with PayPal:

Globality. Using this payment system, you can send a transfer to anywhere in the world, as well as purchase goods/services in foreign online stores;
Speed and simplicity. To make a payment, you do not need to enter numerous bank details; it is enough to have a recipient ID that corresponds to the email address specified during registration;
Safety . PayPal provides a high level of protection for your bank card details. Users of the payment system resolve disputes that arise online with the participation of the service administration. If we compare the degree of reliability of payment from a bank card and using “sticks” ( slang term for PayPal funds), the latter option is much more reliable. According to surveys of the system itself, the risk of running into scammers online when making payments directly from a bank card is 1.8%. This suggests that almost every 50th payment is lost. Moreover, payment via PayPal reduces this probability to 0.17%, that is, almost 10 times;
The most convenient way to pay on the eBay online auction. Considering that eBay is the owner of PayPal, the fact that almost 90% of auction bidders accept payment through PayPal makes sense.

The popularity of this payment system is growing all over the world, and especially in the post-Soviet space. This is explained not only by the convenience of this payment service, but also by the opportunity to use multifunctional tools for business representatives. It is also worth noting that this payment system provides the ability to exchange currencies automatically.

In this case, both PayPal and the user’s bank from whose account the payment is sent can be selected as the conversion center. At the moment, you can exchange more than two dozen of the most popular currencies in PayPal:

Before using the system, the system client links a payment card or bank account to his account. After this, he will be able to carry out transactions on the account, receive payments directly from payment cards of clients who have an account with PayPal. PayPal also interacts with fiscal authorities on a par with banking institutions:

PayPal Mobile Payments – manage payments via SMS

The undeniable advantages of PayPal also include the ability to make instant payments using a mobile device ( PayPal Mobile Payments). With a mobile phone at hand, the user can manage their payments via SMS, with the mobile device acting as a secure payment terminal.

Today, the PayPal electronic payment system is the simplest, most convenient and safest way to transfer and receive funds via the Internet in the world.

Pleasant surprises from PayPal:

When paying for goods or services, the payer is not charged a commission ( it falls on the recipient). However, when transferring personal funds using a bank card, you will still have to pay a commission. Moreover, its size will depend on the size of the amount sent. But the sender has the opportunity to shift these obligations to the recipient. If the recipient does not want to pay the fee, he may not accept the payment. It is worth noting that this only applies to sending funds from a linked card, and not from an account in the system ( in the latter case, the system puts funds on deposit and has a certain profit). But, despite the fact that there is no commission charged to the sender for transferring funds, you may lose on conversion ( the system receives income from the difference in exchange rates). Therefore, it makes sense to choose one of the banks in the conversion center;
Delivery of the purchased goods is guaranteed by the system, because the funds transferred by you will be credited to the seller’s account only after notification of receipt of the goods;
Within 45 days from the date of payment for the transaction, the user can open a dispute (dispute). The reason for this may be that the type of goods does not correspond to the description or that the goods were not delivered:

Registering with PayPal - step-by-step instructions for beginners

Interested in how to register with PayPal? Everything is quite simple - go to the main page of the resource, click " Register", select the account type (" Personal account" or "Corporate account") and click “Continue”:

When filling out the form, provide your real personal information, because if the system even suspects that someone is trying to control your account, it will be blocked.

After all the data has been entered, an email will be sent to your email address with a link to activate your account. By clicking on it, you will complete your PayPal registration:

It is not necessary to immediately enter all the details of payment cards and virtual accounts. Uncheck the appropriate box. You can link cards later. If you have a debit or credit card with a balance of a couple of dollars in your account, you can link it right away. To do this, enter the card number and expiration date indicated on the title side, then turn it over and enter the CVV code, consisting of three digits.

PayPal system - instructions for use

How to verify a card?

After the card is added, you must confirm ownership of it ( pass verification). This is not necessary, but by completing it, you will have the opportunity to increase the limit on a one-time payment and reduce the risk of account blocking for any, even minor, reason. In addition, the lack of verification will not allow you to receive transfers to the card in dollars and other foreign currencies.

We log in to PayPal, go to the section where you can add and confirm card:

The card is verified as follows: you click on the desired card and select “ Confirm", after which approximately 2 dollars are withdrawn from your card ( in rubles at the current exchange rate at that time). These funds will later be deposited into your PayPal account. Next, you will receive an SMS message with details of the payment made or an email notification with a confirmation code. The first 4 digits before the word CODE are the verification code (confirmation) of your ownership of this card.

The verification code can also be found in the transaction history. Log in, go to the “My Profile” tab, then to the “ Link and confirm the card» enter the 4-digit code. If you have any problems, do not hesitate to contact technical support:

How to set up currency conversion through a bank rather than PayPal?

If you are not satisfied with the amount of commission that the system charges for making a payment or the exchange rate, you can convert funds not through PayPal, but through the bank that issued your card. To do this, go to “Account” - “My funds” - “ My pre-approved payments" - "Update". Next you will see a link “ Available sources of funding» — « Conversion options" Here you check the box in the right place and click “Save”.

How to pay for goods and make transfers in PayPal?

If you purchase a product in an online store that supports payments via PayPal, for example, on eBay, you can pay for it by simply clicking on the “ PayPal" You can also install such a button in your online store by turning to the tools offered by this payment system.

After you have pressed " PayPal", enter your username and password, select a payment method and confirm the payment. To transfer funds to another participant in the system, just go to the “My Account” tab, click “ Send payment", fill out the form and click "Continue":

How to unblock a PayPal account?

If you receive a blocking message to your email address, go to official site companies. It is better not to click on the link in the letter, there is a threat of phishing. If it turns out that your account is indeed blocked, you will be required to send a scan of your passport and possibly other documents. If incorrect information was provided during registration, problems may arise with restoring access, and the funds in your PayPal account will be frozen.

To simplify the restoration of access, specifying a telephone number at the registration stage will help.

PayPal payment limits

You can check your account limits by going to the tab with the appropriate name “ Check account limits».