Create a PayPal wallet. How to open a Paypal account in Russia

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

Registering with PayPal - creating a wallet.

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

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

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

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

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

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

Pros and cons of PayPal.

TO advantages of the PayPal payment system can be attributed:

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

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

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

The international payment system PayPal is not very popular in our country, despite the fact that it is considered one of the most widespread and in demand in the world. This payment system has existed for a decent number of years and is very popular in the West and in many other countries of the world, but in Russia it is still not very well known and they do not understand why it is needed at all when there are so many other electronic wallets. But gradually PayPal nevertheless gained popularity in our country, and every day there are more and more compatriots registered in it.

So why is PayPal so popular? Firstly, almost all popular online stores and online auctions use this payment system, offering customers to pay using it. This is not surprising, since many people abroad use PayPal as their main online wallet. It is convenient for them to quickly pay for a product or service.

Our compatriots also make purchases abroad, and sometimes they have difficulties because they do not have the wallets of the payment systems that they offer to use in the online store to pay for the order.

PayPal payment on the popular site Ebay

Also interested in PayPal are entrepreneurs, owners of online stores and other companies offering goods and services, including via the Internet. If they want to expand their customer base and reach a global level, they must definitely include PayPal in the list of payment systems with which customers can pay. The process of registering in the system, creating a wallet, and linking a bank card is simple and does not take much time. Therefore, anyone who wants to create such a wallet can quickly do it from a PC, tablet or smartphone connected to the network.

Create a PayPal Wallet

The new client will be offered a choice between a personal and corporate account. Personal accounts are opened by ordinary people, and corporate accounts are opened by various organizations, individual entrepreneurs, etc.

One of the features of a corporate account is that the commission amount is lower when money is received in the wallet. And since money usually goes to corporate accounts, because these are online stores, various companies, etc., this is beneficial for them.

How to create a PayPal account

When registering a wallet, after choosing the appropriate option, the client will be asked to fill out a special form with personal data. You must fill it out very carefully and be sure to provide real data.

The security system at PayPal is quite serious, so at the slightest suspicion that someone else is trying to gain access to the wallet, it will be blocked. They may also have such a suspicion if no one tried to hack the account, and the owner himself decided to subsequently change the data that was incorrect or written with errors.

The email address specified during registration will be used as a login. Recently, it is mandatory to indicate a mobile phone number. This increases security and allows you to restore access to the system if the wallet has been blocked.

Linking a bank card

If you wish, you can link a bank card to your wallet and verify it. This is a little more complicated than just registering in the system and opening a wallet. You need to go to your personal account, follow the link to add a card, enter its details. Then you need to verify it. When you link a card, approximately $2 will be debited from it. This is not a card linking fee. The money will then be returned by transferring it to your PayPal wallet.

You will need to go to your online bank and look at the history of card transactions. There will be information that a certain amount (usually equal to 2 US dollars) has been debited from the card. The confirmation code will also be indicated there. You will need to go to PayPal again, click on the card and enter the confirmation code in the form provided.

Linking and verification of the card is optional, but recommended. This will allow you to slightly increase your status in the system, and your wallet will not be blocked over every trifle. Also, without a linked bank card it is impossible to make transactions in US dollars, so this is also a reason to connect it.

System commissions and security

One of the main advantages is that in many cases there is no commission or it is small. If a transfer is made from a friend or relative from a PayPal wallet or a bank card that is linked to it, no commission is charged to the recipient.

If the transfer is carried out simply from a bank card of any bank to a PayPal wallet, a commission is also charged from its owner. Although, in this case, the sender can, if desired, pay the commission himself, or assign it to the recipient. Before. As soon as the money is credited to the wallet in the PayPal system, the recipient receives a notification about who pays the commission. If the commission must be paid to him, he can refuse the transfer altogether and it will not be carried out.

As for security, its level is quite high, although scammers still do not give up, trying to gain access to wallets. In order not to fall into their clutches, you need to be careful not to enter your login and password on third-party, suspicious sites that can steal them.

You can top up your PayPal account in the following ways:

From a linked bank card. It is not necessary to top up your account if a bank card is linked to it and there is money there.
Using a transfer from another PayPal account. You can ask someone you know to translate. From a bank account. You can also link a bank account to your wallet in the system, confirm it, and then, using Internet banking, make a transfer. You can also send money to another country using .

You can withdraw funds from your account to either a bank account or a card. Before withdrawing money to a bank account, it must be linked to your personal account and verified. The method for verifying a bank account was indicated above. You can only withdraw money to your account or card.

Video instructions on how to make a Pay Pal account:

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

Step 1. Account registration

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

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

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

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

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

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

Step 2. Sending and receiving funds.

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

Send money to any recipient using their email address and it will be transferred to their PayPal account. If he does not yet have an account, he can easily open one for free. Enter the email address of the person to whom you want to make a money transfer. Click the "Next" button.

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

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

Step 3. Accounting for income and expenses

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

The PayPal payment system has long become the most popular and reliable in the world, but it reached the CIS countries quite recently. That is why various questions often arise about the operation of the service. An undoubted advantage is that the entire interface is available in Russian, and therefore everyone can understand it. How to create a PayPal e-wallet? This is the question that interests us today, and therefore we will tell you how new users register on the paypal.com website and how to open an account. So let's begin.

Preparation and analysis of basic concepts

Before you open your wallet, you should understand that the PayPal website offers various features. Registration for beginners raises, as is correct, standard questions: which email, account type and bank card is best to choose. In fact, everything is simple, but to avoid problems, we will talk about each point in detail.

Since the PayPal website is a service that allows you to make various payments, you will constantly work with money. This is why email must be securely protected. There are many free services, such as mail.ru, yandex.ru, ukr.net and many others. However, they are not able to ensure maximum security of information, so it is recommended to create a gmail.com email, which has the best protection.

We've decided on the email, but now we need to choose the account type. The site offers two options:

Personal account for individuals.
Corporate account for legal entities.

The first type is suitable for people who want to create an account to pay for purchases online, top up their account in games, etc. The second type of wallet is designed for companies that need to issue invoices and accept payments. For example, owners of online stores need to open this option, because it is more convenient. In any case, before you open an account of any type, you will be familiarized with a complete list of all possibilities.

The choice of card is also a very important issue. If the PayPal virtual account does not have enough funds to complete the transaction, the missing amount will be debited from the bank card linked to the account. This is very convenient, because you don’t have to replenish your virtual balance at all. Regardless of the currency of the card, the money will be automatically converted into dollars at the official Central Bank exchange rate.

As for choosing a bank, no one limits you.

You can open a card in almost any bank and link it to the payment system. However, remember that you will not be able to withdraw money from PayPal to a bank card, since such an operation is prohibited. You can use a trick and use the services of exchangers, but you will have to pay a commission.

You can also link a virtual card or a card from Payoneer. The official website allows you to order it without any problems, and with its help you can withdraw funds from most ATMs in the world.

Features of the registration process

So, registration begins by opening the website www.paypal.com, which is available in Russian. After this, click on the “Register” button and proceed to the next stage.

Select the account type (in our case, personal account) and click on “Continue”. At this stage, the system will require you to indicate your country of residence, email and password, which should be strong enough. The country must be specified correctly for the service to give you the required code for your mobile phone number. We check the entered information and move on.

Registration requires the mandatory completion of a form in which you will need to provide personal information, including passport data, etc. Although PayPal is an American company, the form is available in Russian. The correctness of entering information is a prerequisite, because system specialists will check it and if an error is detected, it will not be possible to create a wallet.

When all the items are completed, you must check the box next to the inscription “I accept and create an account.” Thus, you agree to all paypal.com rules.

The wallet registration is now complete. However, simply creating a wallet is not enough. To be able to make various purchases, you need to open the website and link a card to a bank. To do this, you need to fill in 3 lines and indicate:

Card number.
Validity.
Security code CVC2/CVV2.

The card number must have 16 numbers, and you can find it on the front of the card. In addition, the number is always indicated in the agreement with banks. The validity period is indicated on the same side and consists of 2 numbers: month and year. The security code is printed on the back of the card in the form of 3 numbers. Remember that if any of these parameters are entered incorrectly, you will not be able to make a payment because it will generate an error. Although you can use paypal.com. If the card linking was successful, a letter confirming this will be sent to your email.

In general, registration is very simple, and anyone can create a PayPal wallet. Follow the basic recommendations and then you will be able to quickly get the opportunity to make various payments and buy goods from most online stores in the world on favorable terms.

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 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 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, 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 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.

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

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

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

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

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

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

Payment card verification is carried out as follows. After adding it, you return to 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 funds 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 unnecessary 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

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