Pay pal payment system. Paypal what is it? How to open and top up an account in PayPal wallet? I was denied payment, the dispute was decided not in my favor. What are the options?

Using electronic currency is sometimes much more convenient than paying in cash or via a bank card. There are several large payment systems that are successfully used to make money transfers around the world. PayPal is considered the largest platform for exchanging electronic currency, although for Russia this payment instrument is not available to its full capabilities.

How PayPal came to be

What is a Paypal account and how did it come about? The world's largest payment instrument appeared in 1998. The platform was used to pay for purchases, so various online stores and individuals actively created accounts there. PayPal established the strongest connection with the famous auction eBay, so in 2002 this corporation bought the payment system. However, around 2014, eBay completely separated from payment system, therefore, today PayPal is an independent platform for making money transfers.

The system has more than 179 million registered users, but it is not omnipotent, so there are still some fairly well-known online stores that do not work through PayPal. These include AliExpress And Amazon, where you can use WebMoney and many other types of transfers.

How long has PayPal been operating in Russia?

The online money transfer system was closed to Russian users for quite a long time. Only in 2011, the corporation began to expand its coverage, so it became possible for registration and active actions for the CIS countries, including Russia. And only by 2013 it became possible to make ruble transfers. However, ruble transactions are used mainly for transfers, since payment for store goods is made in foreign currency, which is converted at the internal rate of the payment instrument.

Some difficulties may arise for sellers from Russia when working with electronic money. Withdrawals of funds were previously carried out only through US banks, but the situation is gradually changing, which leads to the regulation of the relationship between corporate accounts from Russia. You can carry out any actions with electronic currency only after registering in the system.

Benefits of paying with PayPal

PayPal has received approval from numerous users. This is due to the following factors that make the payment instrument stand out among other methods of working with electronic money:

1. A large number of users around the world. Stores that accept payment this way are located not only in the United States, but also in other countries around the world. The same applies to buyers. The huge base of participants suggests that its advantages are appreciated by many clients.
2. Payment protection. This mainly concerns payment for purchases. After making a purchase, the transferred funds are frozen in the system for 45 days, during which the seller cannot receive them. This ensures a refund if the buyer does not receive the goods. This approach almost completely eliminates the risk of falling for scammers.
3. Fast transfer of funds. Freezing of funds only applies to payment for goods in the online store. The payment instrument itself is also designed for making transfers between individuals, in which case the money arrives instantly.
4. User fee. PayPal accommodates participants in the circulation of funds, so in many cases there is no fee for transfers. Typically, the commission is charged only to the receiving party, however, there are exceptions here, since Transfers to relatives and friends can be made free of charge.

Using PayPal is quite simple, but there are some pitfalls that you should be aware of.

Registration

Registration with PayPal takes place on the corporation's website. Also, the opportunity to register appears when you try to pay for goods through this system in an online store that cooperates with the system. For initial registration, only email is required. However, the system then prompts you to enter your personal data. Confirmation of personal data simplifies working with electronic money.

When registering on the PayPal website, you first need to select the type of account: for business or personal use. Later in the profile settings you can change the account type, so the choice is not important. Registration in both cases is free. Next, the registration of an individual will be considered.

After selecting the account type, the visitor must fill out several required fields, including an email and password field. The system provides various restrictions, which will be discussed below, so at the stage of specifying your email address you need to know a few nuances:

• You can specify mail on any mail server;
• mail on paid servers with a domain . com is quoted higher, so the user is not given such a low limit on money transfers without data confirmation.

After the email is specified, the visitor will be asked to fill out a form with personal data. The form must be filled out in Russian. It indicates citizenship, full name, date of birth, address, telephone number, as well as the series and number of the passport. All fields must be filled in. Your passport details will be required in the future to link your bank card.

A phone number is required to protect the user from account hacking, since the login is exactly the same as the address Email. In addition, if you lose your system password, you can restore access using a mobile phone linked to your profile.

After filling out the data in your profile via email the mail will come letter to confirm registration. To do this, you just need to follow the link and log into your registered account using your username and password.

Linking to a bank card

The system will prompt you to enter your card details immediately after filling out the main fields. You will need to enter the card number, expiration date and 3 digits CVV2/CVC2. You can only link a personal card that is registered to the same person as the account. It is not necessary to link your card immediately upon registration. The visitor has the opportunity to get acquainted with the operation of the site from the inside, and then carry out the necessary manipulations to link the card.

To confirm the card linking, the system will withdraw $1-2 from the account, which, in the case of Russian citizens, will be transferred to a PayPal account. However, final confirmation of the card binding is made only after entering the transaction code. For most bank card users, this data comes to mobile phone or displayed in your personal account on the bank’s website. You can attach several cards to one account.

How to use Paypal in Russia: limitations and pitfalls

Once registered, the user can immediately take action on their PayPal account, but there is a daily transaction limit as well as a monthly limit. Every day a citizen of Russia can receive or transfer an amount not exceeding 60 thousand rubles. The amount for all transactions per month is limited to 200 thousand rubles. Such a limit seriously limits the work with the system. However this situation can be corrected after confirming the data.

There is a tab on the profile page "Check limits". It indicates the exact amount set for the user on this moment, and also suggested ways to solve the problem. To do this, you can send a scan of your passport. Other electronic payment systems set approximately the same requirements.

Most transactions through PayPal are payments for purchases in online stores. Although the buyer does not pay a commission, there may be additional costs on his part. Initially, a PayPal account is opened in the national currency; only after a certain time the user can add other types of currencies. Purchases of goods in foreign stores are paid in the currency of the host country, so rubles will be converted into dollars or other currencies. The conversion is carried out in accordance with the internal rate of the system, which usually leads to an increase in the debiting of funds for payment. In addition, conversion is carried out on a paid basis. The commission for this service is 4%, which is paid by either the seller or the buyer.

It is better to convert funds directly into your bank account. And when using currency bank cards, you must disable their conversion, otherwise the money will first be transferred by the bank into rubles, and then by the PayPal system into the desired currency.

A commission of 4-5% is charged when making transfers to friends and relatives in Russia and abroad. However, interest is only charged when using a bank card for a transfer, so to reduce costs it is necessary to transfer funds using a bank account, which is additionally linked to the account.

Paypal: what is it and how to use it

PayPal is convenient way money transfer, which provides buyer protection when paying for goods in online stores. You can find out the list of stores that cooperate with this payment instrument directly on the PayPal website. Some stores provide an additional discount when paying using this electronic currency.

Making a purchase using PayPal is very easy. In a store that supports this payment method, the usual steps for purchasing are performed: the product you like is added to the cart and an order is placed. You must specify PayPal as your payment method (it will be in the list, so you just need to click the appropriate button). Next, a window will open for the buyer to log into their PayPal account.

After specifying the login and password, the system will redirect the user to the payment page, where it will be necessary to provide payment details. This may be a linked card, but this is not a requirement. You can specify other details and confirm payment.

In addition to paying for purchases, the user can make money transfers within the system. To do this, you only need to know the person's email. It is not necessary for the receiving party to have an account at the time of sending funds. He will receive a notification of the transfer by email, after which he will be able to register under it and receive the money.

Withdrawal of funds

We figured out what PayPal is and how to use it, to withdraw funds you will need to link a bank account, since that’s the only way the system works. Linking a bank account is completed within (approximately) a week. During this time, 2 small amounts are credited to your account from your PayPal account. The exact transfer amount is confirmation of use of this account. After linking, it will be possible to withdraw the required amount within approximately another 3-5 days.

For citizens who want to speed up the process of withdrawing money, it is recommended to use the services of exchange offices. In this case, funds are exchanged from PayPal to WebMoney, Qiwi and Yandex.Money, from where money can be withdrawn using your own methods. Although this method will significantly save output time, it is very expensive. Exchange offices charge a commission for their services, which amounts to up to 12% of the transferred amount. In addition, the payment systems to which the money will be transferred may have their own commission for withdrawing money.

PayPal account- international service for transferring and receiving payments.

Today the system operates in 203 countries with 26 currencies. You can view the entire list on the official website and see your country in the registration drop-down menu. Today it has more than 180 million users. Officially operating in Belarus since June 2014, in Russia - since 2005.

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

Russian-language interface for Russians, for Belarusians - at the moment there is only an English version and I hope that this will be fixed soon, for Ukrainians - several languages, but 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 them 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.

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 means high reliability and customer protection.

If you do not receive the goods or their quality is poor, you can open a dispute within 180 days and then file a claim with the seller. Within 20 days, the system will make its decision on it.

If you see the company's logo on the website of an online store (usually located at the bottom), it means they accept them and you can pay for purchases. You will need to enter your email address and account password.

Paypal account registration

Registration with Paypal is completely free and without any commissions. Carefully monitor your browser status bar to avoid ending up on a fake scam site. The real official website of Paypal is https://www.paypal.com/.

Pay attention to emails, which come on behalf of the company. PayPal always addresses you by your first and last name only. Also, they do not contain links to redirect to other sites requiring you to enter any personal information.

At the first stage, you will need to select which PayPal account you need (Personal or Premier):

• Personal, if you use it for personal purposes,
• Or corporate - for accepting payments from clients (only for individual entrepreneurs and legal entities).

Please note, there can only be one. In most cases, we choose a Personal PayPal account. In the future, if the need arises, it can be upgraded to corporate by carrying out a number of procedures from the profile - you need to click on the gear and select Upgrade, and then enter the data of your organization. But it will be impossible to return to the original status.

We select a country that cannot be changed, enter an email address that is valid only for one account, and come up with a password. If you want to have several accounts, they must have different e-mails.

The password can be changed in the future by going to the PayPal website and going to the Login menu and selecting the appropriate item. You can change your email address by going to your profile settings.

A PayPal registration form will appear, where we enter personal data and your address. Since not all online stores support Unicode and to avoid difficulties when receiving goods, I filled out the form using translit, I advise you to use the translit.net service. Be sure to provide only real data.

In the future, the email address must be confirmed, which is already done in your personal account. Click on the Update button next to the email line and the message will be sent. Go to your email and follow the link and enter your account password. The icon will change its color and become green, like in my picture.

As you can see, there is nothing complicated.

If in the future the account needs to be closed and deleted, make sure that there are no balances on the PayPal account and no restrictions on the part of the company. Once deleted, you will no longer be able to restore it and all operations will be erased. To do this, go to the website, click on the gear at the top, select the Account Parameters section and at the bottom there will be a line Close account. Also, if necessary, we change the address, email, phone number here.

If you are interested in the question - where and what is the PayPal account number and how to find it out, then know that the company does not assign numbers to identify the client, as others do payment systems. The email address that you specified in your profile is the identifier that is required for payments and transfers.

As with any payment system, verification is necessary for security purposes and protection against fraud, and allows you to reliably verify that the client is the owner of the PayPal account. After completing it, the status changes to Verified. To receive it, confirm your email address and link it bank card, upload copies of 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:

1. For receiving payment for goods,
2. Money transfer using a linked bank card,
3. When receiving an international payment,
4. 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.

It is extremely convenient to be able to pay for a purchase or service online, literally without leaving your home or without leaving your workplace. Every year, electronic payment systems and services are becoming more and more popular among users from Russia.

Competing with each other in ease of use, functionality and input/output capabilities, the largest payment systems strive to become as accessible as possible. One of the most accessible and convenient is.

PayPal is the largest global payment system in the world. PayPal has been known among users from Russia for a long time, but it gained particular popularity in 2013, when the Central Bank of the Russian Federation approved the issuance of licenses to carry out NPO activities(non-bank credit organization). In turn, this allowed Russians to use all the capabilities of the system, including making payments to accounts in Russian banks.

Previously, this option was not available, and Russian users could only make payments, pay bills and send money transfers.

So, today, PayPal allows residents of Russia to:

• pay for purchases in stores, both Russian and foreign
• bill other PayPal users
• pay bills from other PayPal customers
• and withdraw funds to a card or bank account
• send and receive money transfers

By 2017, the PayPal payment system in Russia is rapidly capturing the market and used by thousands of partners- from highly specialized online stores to large players such as Ozon, Afisha, Anywayanyday and many others.

The main feature due to which the system has become so popular is payment security. For example, when making a purchase that requires delivery, money is credited to the seller's account only after the buyer confirms that the goods have been received.

Also, within six months the buyer has possibility to open a dispute, which will be carefully reviewed by PayPal's arbitration system.

For that, to register an account It will take a little time in the payment giant’s system, but some difficulties and questions still arise, which we will examine in detail in this article.

What is needed to register with PayPal in Russian

Due to the fact that the PayPal payment system is one of the most secure in the world, the security requirements are no less stringent.

Before you begin registration, please have the following ready:

1. Work email. By and large, you can use an existing email address or create a new one on one of free services, such as Mail mail.ru, Gmail.com or Yandex.Mail. But PayPal recommends using paid services, citing the fact that they are more protected from possible fraudulent activities.
2. with a positive balance. It doesn't matter if it's a debit card or a credit card. It is important that you have the equivalent of at least $2 US in your account. This amount will be needed for activation, the process of which we will describe below, and will be available in your PayPal account.

Cards that are suitable for opening a PayPal wallet:

• MasterCard Standard and higher, Russian or foreign banks.
• Visa Classic and above, the issuing bank can be Russian or foreign.

Cards that are NOT suitable for registration:

• Maestro instant release
• Cards of the Russian payment system MIR
• PRO100
• Visa Electron
• Virtual cards

After completing the registration procedure and activating your account, your bank card details can be changed, but the binding procedure new card will need to be repeated.

We talked in detail about which Russian bank cards are suitable for connecting to the PayPal system in the article.

Important nuances before registration

• Every person is allowed to have only one PayPal account- this is the company's policy. It is possible to open another account, but only if you are a business owner.
• After registration it is impossible to change the country. You will have the opportunity to change data, such as registration address, zip code, but you cannot change your country of residence.
• If for any reason the service administration blocks your account, then the funds in the account will be frozen for 180 days, during which the proceedings will be carried out, after the expiration of six months the funds will be sent to you by transfer. Please note that the full name and data for the transfer will be those specified in the account.

Instructions. Let's start registering:

Paypal is available in 202 countries around the world, and registration can be completed in more than 10 languages. We will consider registration on the official website in Russian.

• Selecting your country of residence. If you have a Russian passport and registration in one of the regions Russian Federation— choose the country “Russia”, because if for any reason the administration of the payment system requires you to send a copy of your passport or registration page, these data will have to match those specified in your account.

If over time you moving to another country, the only option to change your country of residence is deleting an account and creating a new one, which will require an inspection lasting up to 1 year.

The reason for this is the difference in tariffs for services in different countries.

• Enter email. You can enter an existing address or create a new one. The entered e-mail will be your login to log into the system.
• enter password. Create a complex password consisting of at least 8 characters. Don't use your date of birth or phone number - it's not secure.

Number SNILS or TIN are entered exactly as specified in the documents.

The only caveat is that the data must be entered precisely with the documents you have.

If you subsequently need to send a scan of your passport and the data differs from those specified, the account may be blocked forever, and the funds in the account may be frozen.

The service fee for card verification is $1.95, after some time PayPal will credit the fee to your wallet in the system.

Example of entering card data

Card details can be entered later by clicking the “Skip” button, but in this case, you can only top up your PayPal account with cash.

How to minimize the risk of account verification and freezing

1. Enter only valid passport details. If the service administrator decides to check your account and requests scanned copies of your passport or registration, you won’t have to rack your brains about what you can come up with now.
2. Don't change your linked card and bank account too often. According to experience, in order to avoid being checked, you can change your linked card no more than once a year.
3. Frequent changes of IP address. If you often travel and log into your PayPal account from different countries, the service administration may suspect that your account has been taken over by fraudsters and will ask you to provide copies of documents to confirm ownership of the account. During the verification period, the account is limited for operations, and funds are frozen.
4. Shopping on eBay with goods sent to the Republic of Crimea and Sevastopol. A very “delicate” situation, since the United States does not recognize the annexation of Crimea and Sevastopol to the Russian Federation. All accounts from which goods were paid for delivery to Crimea are blocked without the possibility of recovery.
5. Login to your PayPal account from the IP address of the Republic of Crimea and Sevastopol. If you are going on vacation to Crimea, try not to log into your account or use an anonymizer, since your account will immediately come under lengthy verification.

FAQ

• How to link a bank account or card and withdraw money from PayPal?— We devoted a whole page to this question and the answer to it.
• My card is not suitable, PayPal does not accept it for linking. — Check out our article, which describes in detail which cards are suitable. The 100% option is to make a Sberbank Visa or MasterCard card.
• The dispute with the seller ended in my favor, but the funds were not credited to my account. — As a rule, the period for crediting funds can be up to 20 days, and depends on the issuing bank of your card.
• PayPal account blocked and asked to send copies of documents. — The only option is to send the required documents. Due to the extremely strict requirements for account security, there is no other way to unblock an account other than following the requirements of the service.

Registration and use of PayPal in Crimea

For citizens of the Russian Federation registered in the Republic of Crimea and Sevastopol, registration in the service is impossible PayPal and its use.

If during registration you enter data like “299055, Russia, Sevastopol...” - the account will be blocked without the possibility of recovery, and your passport data is blacklisted.

Options to solve the problem:

1. For registration and login in PayPal, use an anonymizer, but in addition to this, you will need to at least temporarily register at your place of residence in one of the regions of the Russian Federation on the mainland.
2. Ask your friends to create an account in my name for you. In any case, you will need to use an anonymizer to log in.

Video on how to register PayPal in Russian:

The Internet has long become a huge trading platform, and banking systems follow the modern needs of users. For the convenience and speed of transfers between Internet users, there are many electronic commercial tools. PayPal was created primarily to serve eBay, one of the largest consumer marketplaces on the Web. Having become convinced of the efficiency and safety of the system, buyers and sellers began to actively use the system for payments. Currently, more than 100 million active accounts are part of the international PayPal system.

What is PayPal?

The payment system combines not only a system for helping to conduct money transactions on the Internet, but also a full-fledged bank account with the basic functions necessary for managing funds. PayPal is a bank that can be interacted with on screens in real time. No offices, no employees, just a user, the Internet and a personal account with a set of the most necessary tools. The difference between PayPal and real banks that serve clients in branches and offices is that the range of banking services is extremely limited. PayPal's main functions include transferring funds between users online, interacting with other banks that accept credit and debit cards, and generally managing user funds held in accounts. Additionally, this system provides transaction control services, providing guarantees for sellers and buyers.

Why PayPal?

In any case, if you are planning some kind of turnover of funds on the Internet in the future, it is recommended to open an account with PayPal as quickly as possible and immediately verify it as a full-fledged personal wallet. This needs to be done for three objective reasons:

1. PayPal is one of the largest, most profitable and secure online banking systems in the world. You will most likely need to use it when working with serious clients and partners, especially abroad.
2. The trust of many users in PayPal, both in Russia and abroad, also speaks in favor of the system.
3. Verification in the system takes time, sometimes up to 1 month. To be ready for full-fledged financial transactions with PayPal account, you need to go through the personalization procedure in advance.

Account types

The system provides two main types of PayPal accounts. What is a personal account and how does it differ from a business account? It's simple, as standard PayPal provides the ability to top up your account and use it for online purchases. Initial registration requires a minimum of user data; for rare online purchases, you don’t even need to link a bank account to your account. A personal account does not require any investment on your part for maintenance. The disadvantage of such an account is restrictions on the movement of funds. Every month you will be able to operate with a total amount of no more than 200,000 rubles, transferring no more than 60,000 rubles at a time. Moreover, the account balance cannot exceed 60,000 rubles. For an ordinary buyer, such limits are quite acceptable, and there is no need to improve the account. For those who do business on the Internet, for example, resell goods, or simply decide to actively use a PayPal account for online transactions, these restrictions will be quite inconvenient. Of course, a personal account is not limited to these insignificant amounts; it’s just that the PayPal system needs user personalization to work fully. To increase the limits almost 10 times and remove restrictions on account transactions, you must provide the site administration with evidence of your existence. This must be an account in a real bank, registered in your name, as well as a scanned image or photo of a document proving your identity. Remember that the system prohibits the creation of several personal accounts for one user; this is punishable by disabling all accounts from PayPal.

Registration in the system

PayPal on the Russian official website greets us with a nice picture and a minimum of functionality. Information on products is general, registration is simple to make it easier for users to connect to the system. To register, the system only needs to know your email address, after confirmation of which you can already use PayPal to pay for goods and services on the Internet. After such registration, transfers and payments in the amount of no more than 15,000 rubles are available to you, the same amount can be stored in your personal account, and the general monthly volume movement of funds is limited to the amount of 40,000 rubles. Also, users who have not passed verification will not be able to receive transfers from other users and withdraw money. PayPal also offers an option in which restrictions can be partially lifted. It is also possible to gradually increase the limits when connecting a bank account and confirming your identity.

Connecting a bank card

Of course, with zero balance purchases are not possible, so you need to top up your account or simply link a bank card. The type of card does not matter; it can be either a debit salary card or a credit card. The main thing is that there are funds on the card account to confirm actions.

When entering data from the card, an amount of 1.5 € will be deducted in two payments, the amount of which will be a code, so cards with a zero balance or a close credit limit cannot be linked to the account. This amount will not go anywhere. If the card is successfully verified, it will be credited to the PayPal account within 24 hours, otherwise it will be returned to the client’s account. After confirmation, the card can be used for payment as usual funds in the account and you do not need to think about how to top up your PayPal account. This money will not be displayed on the website, since it is not direct savings of the system. Third-party sites and sellers of goods will not be able to find out any details of your payment cards, which means that the money on them will be inaccessible to fraudsters on the Internet.

How to withdraw PayPal?

In addition to paying for purchases and services on the Internet, users can receive transfers from friends, refunds for goods and other external top-ups to their PayPal account. What is a payment system without the ability to withdraw money? A special feature of the system is that it is not possible to withdraw funds directly to the card; you must provide the details of the bank account to which the card is registered. This happens because PayPal works with banks directly, avoiding intermediaries and expedited paid services, saving you money. In addition, as already written above, a linked bank account registered to a specific individual, increases the level of access and allows you to use all available functions of the system. To confirm, the system will send a micropayment, in the comments to which a confirmation code will be indicated. This increases the account verification time to five days, but serves as a guarantee of the safety of your personal information and savings.

Bank card details

When using a bank card for payment and withdrawal of funds, in the second case it is necessary to indicate the details of the institution specified in the service agreement. You can also find out this data at the bank’s online reception or at the nearest branch of the operator. Additionally, the system may request copies of your identification documents. And the most convenient thing is that you will not have to pay a commission when withdrawing funds or paying for purchases through PayPal. Sberbank and other Russian banks allow you to process ruble deposits directly, while the system converts other currencies into the ruble equivalent at the current exchange rate. But for this you will have to pay an additional commission specified for such transactions in PayPal.

For legal entities

In addition to servicing personal accounts, you can also use PayPal to conduct business. What is a business account or corporate account? Such accounts involve servicing accounts with multiple users with different forms of access to funds. Corporate accounts also provide additional services relevant for legal entities. It is important to remember that registering a corporate account takes about two weeks. They are spent on document verification and information processing, during which account transactions will be unavailable to the user. Never transfer your active personal account to the corporate level, even for an individual entrepreneur. A personal account can be used separately from a company, and if necessary, transferring money between them in the system is quite simple. PayPal provides the opportunity for each user to create two accounts different types, since the users will be different entities - individuals and legal entities.

Business services

The main service provided by a corporate account is servicing legal entities. According to the legislation of the Russian Federation and many other countries, a company cannot conduct settlements with clients through a personal account registered to an individual.

Providing access to the account to several users registered in the system accordingly. These may be executive and commercial directors, accountants and other persons responsible for the flow of funds in your company.

Express payment features and a payment button allow your customers to pay for goods without unnecessary delays. These functions are implemented different ways, including you can use the services of the system’s partners to correctly integrate the payment option on your website.

PayPal takes full responsibility for ensuring the security of working with bank cards, allowing you to save on encryption systems and user data protection.

The built-in system for creating invoices for payment will allow you to quickly and conveniently prepare an electronic form sent to your clients. Using templates is completely free for corporate account users.

Working with foreign clients using PayPal expands your business opportunities. Thanks to the electronic payment system, you can interact with customers in more than 200 countries with 25 types of major currencies.

The ability to take into account commissions when calculating taxation, especially for the 15% simplified tax system form.

Some subtleties

According to the laws of the Russian Federation, transfers between corporate accounts are not possible. Thus, all payments to your organization's PayPal account can only be made by users of personal accounts. To interact with corporate partners or clients, you should use a personal account or other methods of transferring funds other than PayPal. Online stores serving organizations should immediately think about alternative way payment that meets the standards of Russian legislation. It should also be taken into account that the use of credit cards by users from Russia is limited, of which buyers will be notified by a corresponding message when attempting to make a payment.

Registering a corporate account

As mentioned above, it is better not to convert an active personal account to a corporate account, but to create a separate account specifically for the organization. A person who has access to a bank account must first indicate his personal data, and in the next window - the organization’s data. To verify them, you will need scanned or photographed images of a business license, TIN, certificate of registration of an organization or individual entrepreneur, as well as an identification document of the general director. All documents in the images must be easy to read, not contain editing elements and be clear enough, otherwise the account registration process may be delayed. After confirming the verification of documents, you need to go through the procedure of linking a bank account, similar to a personal account. All these actions can take up to 1 month, provided that the scanned documents are completed correctly. After this, you can use the account to accept payments from clients.

Commissions

Another feature of the system is the absence of any fees, except when PayPal payment is received into your account. Thus, an inactive account of any rank does not itself require investment. Moreover, the buyer pays for purchases without additional fees, the commission is deducted only from the seller, and its size depends on the total turnover of funds in the account for the month. With a minimum sales volume, the commission without taking into account currency conversion will be 3.9% +10 rubles of the amount of the received payment. The commission percentage can be reduced to 2.9% for a turnover of over one and a half million rubles. Transfers of funds between accounts within the system are not subject to commission if the account balance is used. More information about all types of fees can be found on the PayPal website.

PayPal is the largest payment system in the world, with more than 179 million active users.

Since October 2012, it has been fully operational in Russia. With its help, you can pay for purchases in online stores in any country, since it operates with 25 types of international currencies. “Payment Buddy” (this is how the name of the service is literally translated) allows you to make any financial transactions quickly and most securely.

In order to transfer money to friends or pay for goods and services, you need to register. To do this, go to the official website of the service and click the special button (it is located in the upper right corner). After this, you will automatically be taken to the page for selecting the type of account: corporate or personal.

A personal account allows you to do the following:

• translate cash to your loved ones and friends;
• link a bank card to pay for online purchases;
• put money into your account to pay for goods and services, transfer to friends;
• withdraw money to a card or ruble bank deposit.

When registering, you will need to provide your email, create a password and fill out a form. Data entry is carried out in Russian. By filling out required fields(full name, passport details, residential address, phone number, etc.), you must confirm that you have read the user agreement, and then click the “Agree and Create” button.

You can register, open and top up your account completely free of charge. With further use, you can always change its status from personal to corporate. Creating a wallet, regardless of type, is possible only in state currency. But as you use the system, you can add other types of currency.

After registration is completed, you can link a credit card to your e-wallet, indicating only the bank card number, its expiration date and the CVV2/CVC2 code (the last three digits on the back of the “plastic”). After linking, you will be able to top up your wallet directly from the card or, conversely, withdraw money from it and transfer it to a credit card. You can also top up your account in cash through Svyaznoy and Euroset stores.

How to start using PayPal?

The first action that needs to be taken in order to start using the payment service is to confirm your email address. Only then will the account be considered created, and the user will be able to send and receive money transfers, including without a credit card. To do this, you need to log in by clicking the link on the right top corner screen. On the page that opens you will find a link to confirm your email. After clicking on it, the system will automatically send a letter to the address specified during registration.

To complete the verification procedure, you must re-enter the password you used to create your account. After this, instead of a link to your email confirmation, a green circle with a checkmark inside will appear. Now you can move on to full use.

But before you start using the service, you should find out the available limits. They are installed for all types of accounts. Thus, for account owners with unconfirmed data, the monthly limit is 200 thousand rubles. The amount includes any financial transactions, be it withdrawal or deposit of money, payment for purchases online. One-time transactions should not exceed the total amount of 60 thousand rubles. This means that without confirmed data you will not be able to buy in the online store Macbook Pro 15’’ worth over 150 thousand rubles or receive a transfer for a similar amount.

To increase the amount of financial transactions, you must confirm your personal data. To do this you need to do the following:

• log in to the service;
• click the “Check your account limits” link at the bottom of the page;
• On the page that opens, click the “Increase limits” button.

You will be offered several confirmation options to choose from. To remove account restrictions, you must complete all of them.

One way to confirm your passport data is to send a scanned copy of it (pages 2, 3 and 5). To confirm your card details, follow these steps:

• enter exact data (number, expiration date, security code);
• Click the “Add card” button.

Then in the data confirmation window, opposite the “Confirm bank card” line, click the “Start” button. Your account will be charged $1.95. Let's consider further actions using the example of a Sberbank card. After debiting the funds, you need to visit Sberbank-online, click the “Account Statement” link and find the required operation.

Next to the operation you will see verification code(4 digits) of the form 2016CODE. Sign in account payment system and enter it in the appropriate line. Upon completion of the verification, the blocked funds will be returned to the account automatically. If necessary, card information can be deleted or changed.

Where and how can I pay for purchases?

Today you can pay for purchases in tens of thousands of online stores around the world, including eBay, Ozon, etc. Many payment system partners provide special discounts to account holders, and numerous promotions are held for PayPal users. You can find out about current offers by visiting the “Shopping Center” on the system’s website.

This section provides full list sellers who accept payment via PayPal. However, there are a number of stores that are not ready to accept funds in this way. It is impossible to make purchases using this service on Aliexpress and Amazon. But this is understandable, because PayPal is a direct competitor of these trading platforms– eBay company – were previously part of the same group of companies. But, starting at the end of 2014, eBay decided to spin off the PayPal system into an independent structure.

Paying for purchases through the system is extremely simple. You need to take a few simple steps:

• visit the desired online store;
• add your favorite products to the cart;
• proceed to checkout by clicking a special button or selecting from the list of available payment options.

After selecting payment via PayPal, a window will automatically open to enter the email address to which the wallet was registered and its password. If you did not have your own account before payment, you can create one directly during the ordering process.

After entering the required data, the direct payment page will appear. However, it does not have to be linked to your account. bank card. You can specify its details at the order confirmation stage.

The further procedure for placing an order is standard: you will need to indicate the address, delivery method and other necessary information. Payment for purchases is always free for visitors to Russian online stores. But when paying for goods abroad, the system may withhold a conversion fee equal to 4% above the wholesale currency exchange rate (if the seller refuses to pay it).

Owners of currency debit and credit cards should first disable conversion. Otherwise, the system will send a request to transfer funds in national currency (even if the invoice is issued in dollars or euros), and the bank will transfer the required amount at the internal rate.

Secure payment for purchases via PayPal

An important advantage of using this payment service is the presence of a Buyer Protection Program. You can contact the Help Desk for a variety of reasons:

• the product does not correspond to the stated description;
• presence of defects, damage, signs of wear of the goods;
• non-delivery of goods to the buyer;
• mismatch in size, style, color, etc.

In all of the above situations, the Support Service will help return funds to the buyer’s account and reimburse the costs of delivery and return shipment of unsuitable products. The Program partially applies even to the purchase of electronic tickets and documents.

To initiate the refund process, you must complete a number of steps:

• open a dispute 7 or more days from the date of purchase by contacting the Problem Resolution Center;
• contact the seller for an amicable settlement;
• close the dispute by mutual agreement;
• convert an open dispute into a claim if the seller’s response is unsatisfactory.

It is noteworthy that the Center operates around the clock. Its employees will review the application and make a decision, after which the money for the goods can be transferred to the buyer’s account. Another advantage of using the service is the secrecy of personal data (account or credit card details). To confirm payment, all you need is an email address and login password.

How to transfer funds from an account?

You can create a PayPal account to make secure and fast money transfers. To transfer funds to friends and family, you only need to make a couple of clicks. Just log in Personal Area and click "Pay or send funds" at the top of the screen.

After clicking, a window will open with two more links, one of which is to proceed to sending funds from the account.

Send remittance it is possible to absolutely any recipient in Russia who has his own email address. It is not at all necessary that the recipient has his own account. He will be able to register it after receiving a message about the transfer of money in his name.

You can transfer money not only from your account, but also from linked cards. But in this case, the service charges a commission equal to 3.4% of the amount + 10 rubles. When transferring funds in non-state currency (US dollars, euros), an additional commission is charged on the conditions described earlier.

How and where to cash out?

In order to cash out the balance in your account, you need to log into your personal account and click on the “Withdraw funds” link. If you have not linked a bank account to your account, you will be prompted to do so and go through an account verification process. Two small amounts will be sent to the specified account (crediting occurs within 3 – 7 days). You will need to find out their size and indicate it in special fields when you click on the withdrawal link again. After the verification is completed, you can freely withdraw money to your bank account, not forgetting about the established limits. Withdrawing money to a bank account or linked credit card takes approximately 3 to 5 days.

There are other withdrawal methods:

• to Qiwi wallet;
• on Yandex.Money;
• on Webmoney.

You can use them through one of the online exchangers - sites that offer money transfer services between two services (for example, PayPal and Qiwi) for a certain commission. Its size sometimes reaches 10 - 12%, so before using it it is important to find out the operating conditions of the exchange office.

Withdrawal of funds is available not only in our country, but also in Belarus and Kazakhstan. Residents of CIS countries such as Ukraine, Armenia, etc. will also have to link a card and bank account to their account, go through a similar verification procedure and receive their money directly to their MasterCard or Visa card. In this case, you can receive funds using a bank terminal (ATM).