What is PAYPAL? The history of creation and how to use it in Russia. Registration in Paypal

Created in 1998 by the former lawyer and the financier in Peter Tiel and the programmer Max Levchin (by the way, the led from the USSR, emigrated to Chicago in 1991). The Tiela and Lekchina project immediately interested investors: For example, Nokia Ventures immediately invested $ 3 million in the project, and Deutsche Bank - $ 1.5 million. The reason for such interest in the project was that the virtual market at this moment is acute I needed a financial operator that would perform the functions of the online bank, and there were no such structures on the Internet yet.

Directly PayPal began its work in November 1999 and immediately was able to attract even more investors, including banks that have invested $ 23 million in PayPal. The rapid growth of the Internet led to a large influx of users. In a short time, PayPal's clients exceeded 1.5 million, and its turnover reached $ 2 million a day!

In early 2002, PayPal shares were posted on the US stock market in the amount of $ 900 million. In October 2002, Ebay acquired PayPal for $ 1.5 billion and declared it with his basic payment instrument. Today, PayPal is an unconditional leader in his area and none of the competitors could even approach the number of users and turnover with which it operates. More than 90% of Internet vendors around the world take pay for their products only by Paypal.

Paypal Inc. It has licenses of controlling authorities governing the activities of banks and financial institutions in 29 US states. User accounts in the system are nominated in US dollars and insured by Safeweb Insurance from unauthorized removal of money in the amount of 100,000 US dollars. Users entered into the system are stored in WELLS Fargo bank accounts.

Registration in PayPal for Russians was opened only in 2006, and fully use the system, including receiving money and their conclusion on the card or bank account, the Russians were able only in 2013.

Some time ago, Paypal added support for new currencies. In addition to US dollars, Australian dollars, euro, pounds, sterling, Canadian dollars, Japanese yen and Chinese yuan, the service is now serving Czech Kronu, Danish Kronu, Hong Kong Dollar, Hungarian Forint, New Zealand dollar, Polish zloty, Norwegian crown, Singapore dollar, Swedish crown and Swiss franc. On the project website there is a multilingual platform that supports the following languages: English, Spanish, French, Chinese (!) And, which is especially pleasant, from some more time Russian.

Paypal payment system significantly distinguishes from other electronic payment services what it deals with real money, and not "title signs". PayPal offers a financial instrument with which a plastic credit card or a bank account is attached to the user's account in PayPal, so that at any time you can directly replenish your balance in the system or withdraw money from it.

PayPal produced a revolution in the world mobile technologyBy making the reality instant payments using a mobile phone (PayPal Mobile Payments). Users who have connected this service make payments through SMS, even without going to PayPal. To do this, it is enough to send to the specified number of text "Send $ 20 to [User ID]", dial the confirmation code, and the payment will be immediately sent. However, this happiness is currently available only by US residents.

Along with indisputable advantages, PayPal has and deficiencies associated, must be recognized, with the conscientious work of the system security service. One of the associated inconvenience concerns us directly with you: the Russians remains to be lit into many of its charms from the part, since Russian users cannot use its services in full. True, on October 12, 2011 in Paypal's relations, there was no exaggeration, a huge jerk: if earlier Rosssiyan could only pay for purchases and services (at EBay auction, in and online stores, services of hosting companies, etc.), Now now in Russia is allowed and accepting payments. However, the Russians are not allowed to remove them from the system: they can only be spent on online purchases. However, if you, being a citizen of Russia, have a bank account in the United States, then you can translate money on the map.

"The fact that Russians fall under restrictions on receiving PayPal, talks about the ongoing fear of mass fraud. Our users need to be prepared for the security policy of this company, which allows you to block accounts without formal reasons and explanations, "commented this fact for CNews Peter Dararachelidze, Director for External Relations of the Webmoney payment system. With the list of our comrades in misfortune and the "lucky" countries can be found on this page. It must be said that another relationship to the Russians is difficult to expect if almost every new topic with a question about PayPal on any Russian-language forum contains a question, on whose name to register an account - on his own or aunt Rose from Brazil.

The system is generally known for a series of scandals associated with blocking funds in customer accounts or simply freeze accounts in the event of suspicion of system administrators that the account does not belong to the user. Angry customers even created sites www.paypalsucks.com and www.paypalwarning.com. They host the so-called "Wall of Shame" (Wall of Shame), where the "horror stories", behaved in those who suffered from PayPal. In the defense of PayPal, it can be said that no EPS, besides her, can boast such an extensive user audience, and the greater the client base, the greater the absolute number of dissatisfied, and in the percentage of such statistics no one leads. In addition, the burden of leadership in the industry is hard for any company, when each error and miscalculation becomes public and deal with increased attention.

The reason for such a picky attitude to customers lies in the fact that the main pillar of the existence of PayPal is the security of accounts. He helped to survive the company over the years. And one of the Security Tools Paypal - Clause II.3 of the User Agreement, which says:

"You agree to provide true, accurate and complete registration information ... You agree not to represent any other person or use the name that you are not authorized to use. If some information provided by you proves an inaccurate, inaccurate, not relevant to the current situation, or incomplete, PayPal has the right (but not limited to) to stop using PayPal services. As well as PayPal, its agents, suppliers and contractors have the right to demand from you to cover all expenses and losses that have arisen directly or indirectly due to inaccuracies or non-payment of information. "

If you study more complaints about blocking bills with thousand dollars on them, then in many cases it turns out that users are volunteled or involuntarily, but violated these items of the User Agreement.

PAYPAL services

Paypal offers users the following services:

* Sending payment (Send Money).PAYPAL user can translate a certain amount from its personal account in the payment system, as well as directly from a bank card or a bank account tied to a PayPal account.

* Request for payment (Money Request). Using this type of service, the user can send letters to its debtors containing a payment request. You can add your letter as a separate person and the debtor group.

* Accommodation on the user's web site To receive payments (Web Tools). This service is available only for the owners of Premier and Business Accounts.

* Auction Tools (Auction Tools). Payment system offers two types of services. First, automatic mailing request requests for payment (Automatic Payment Request). Secondly, the winners of the auction trading can pay directly from the Web site on which the Auction (Instant Purchase for Auctions) is held.

The maximum set of services is available to residents of the United States, almost all services are available in Western Europe, China, Australia and Canada. But for many Eastern European countries (which includes Russia, Ukraine, Kazakhstan, etc.) this set is minimal - at the moment we are only available to the first item above.

Registration in PayPal and Verification of the account

PayPal offers three types of accounts:

Personal Accounts;
- Premier Accounts;
- Business Accounts.

Personal Accounts. - Only for individual use (for direct translations to friends, relatives, customers, etc.). This type of account does not involve receipt of payment from credit cards and is intended for internal transfers in the PayPal system. The limit of revolutions on these accounts is $ 500 per month. And according to a disabled account, open from Ukraine or Russia, a limit of $ 100 per month was established. Its exceeding can entail an account blocking. In addition, as mentioned above, the accounts opened from Ukraine or Russia do not have the ability to receive transfers in the PayPal system, regardless of the type of account.
PREMIER Accounts. - For users who have a greater turnover than the Personal Account, and need to receive payment from credit cards or in the PayPal special tools (for example, the integration of PayPal's payment service with the site).
Business Accounts. - accounts for firms. They are discharged on behalf of the company, under its logo and with its details. Such accounts can only open firms with the Tax ID (tax payer number).

Registration in the system - the process is simple.

On the first page of the registration form, you specify a country of residence and your preferred language to work with the system.
Next, you must select one of the three types of accounts (see above).
The next page you need to enter your name, the correct email address, email and telephone. If the system has not accepted your phone, try entering it by putting spaces between codes: +7 495 xxxxxxx.
After that, you will be asked to specify your credit or debit card data. However, this step can be performed later. The necessary condition is that the bank-issuer allow payment through the Internet. By the way, a Visa virtual map is quite suitable for registration, which can now be discovered in almost any bank.
At the final registration stage, you must verify your electronic mailbox: PayPal will send you an activation code. You will need not just follow the link, but also confirm this action by entering your chosen when registering a password in PayPal.

PayPal account tied to bank card or a bank account of the user. To receive and translate money, a user can from the funds accumulated on PayPal, and if these funds are not or not enough, then when paying PayPal charges them from the user-specified account or card. Thus, when entering / output funds, the participation of intermediaries is excluded, and the means can be transferred to the user's bank account at any time.

As long as you do not specify the data of your bank card in your account, your account is considered discerned (unverified). To gain the status of verified, you need to first enter your card details on the PayPal website:

credit card number specified on the front side of your plastic card. You need to enter it without spaces.

expiration date - This is a validity of the map (expiration date). It is usually indicated there.

CSC (also called CVV2) - Verification code. It is 3 last digits on the back of the card (for American Express cards - 4 digits). If no numbers on the map, call your card's bank-issuer and learn it.

After the card is added to the account, you can proceed to the verification procedure. Your account will be activated when you enter on the site special code. To do this, you must replenish your account in the PayPal bank transfer or payment from the plastic card. Your credit card will be removed $ 1.95 as a membership fee that will be returned to you in 1-4 days, and $ 1, which usually returns 30 days. Thus, the balance of your card before starting the procedure should be at least $ 2.95.

In the details of this payment you can see in the discharge of the card operations, you will find a 4-digit code to be entered on the PayPal website. In addition to the discharge of operations, you can find out this code through online banking or call to the bank transaction center. After entering the correct code, your account will automatically receive the status of verified.

The Russians should be aware that in view of the prohibition of cash receipt to the account in PayPal, they can operate for payments only with money from the card. Therefore, on the balance of your account will always be zeros, no matter how much money on the map. But this will not prevent you from paying services and goods in online stores with your card tied to the account.

In Russia, the sales service of prepaid virtual cards for PayPal is now widely distributed. You can use this service (for example, buy such a map in the instant service terminal QIWI,), if for some reason you do not want to trust PayPal Data Your personal card. Although on a number of resources warn that such cards are not recommended. They say, may not like the PayPal security service, since they do not allow the identity of the owner. My personal opinion, which I do not impose anyone in any way: since the functionality of Russian accounts is no longer any, and about the rise of the trust of their account in the context of the payment of acceptance of payments, it is not necessary to lose such an account after the payment is not completely sorry for The condition that there is no money left on it. After which it is easy to make a new one, attaching another one virtual map. As a measure against such machinations, it may be served a system for confirmation of the physical address, but the address is not constant, it can be freely changed even within a single account.

Working with the system. Commission for transactions in PayPal

Account number and client identifier in PayPal is its e-mail. You can connect several email addresses And receive payments on them. One of them is the main one. The entrance to the account is possible with the indication of any of them.

The PayPal system has the ability to automatically exchange currencies, i.e. If the payment sender's account is open in a different currency, rather than the recipient's account, the payment will be converted to the desired currency. With internal exchange courses, you can find on this PAYPAL site page (authorization required). You can also use the PayPal currency converter. For transactions for converting currency, the system charges a commission of 2.5%. If the exchange rate in the system does not suit you, you can choose the center that makes conversion, your bank, from the account in which the payment takes place. This is done in the section Profile: "My Finance -\u003e My Pre-Approved Payments (Click" Update ") -\u003e Set the available sources of financing -\u003e Conversion options. Here you need to choose the option "Please put me the bills in the currency specified in the seller's invoice."

The minimum transaction amount in the PayPal system is 1 US dollar or its equivalent.

The PayPal Commission does not depend on the type of account and is:

2.9% -2.4% + $ 0.30 USD for sellers (online shopping, auctions); i.e. the Basic Commission for purchases via the Internet is 3.4%, but it can be reduced for stores with a large turnover: the higher the amount of payments received within a month, the less the system of the system for such a store.
3.4% + $ 0.30 USD for personal payments (debt refund, etc.)

Thus, when buying goods in PayPal online stores, it does not take a penny of commission fees from the buyer.

$ 0.30 USD is a fixed commission for payments in US dollars.

In addition to these, it is possible to challenge additional commission fees, depending on the country of the seller or the buyer. The table of additional fees is located. To find out the commission for your specific translation, I recommend to take advantage Online calculator commissions in the PayPal system .

The system has limits (for sending and receiving payments, to withdraw funds from the account balance), which are superimposed on PayPal users for such criteria as a country of residence, account type, etc. The limit can be imposed on both a single payment and a monthly turnover. Users from the CIS usually deal with "Sending Limit": Paypal does not allow them to enumerate the amount greater than $ 300-500.

What to do in the situation, if, say, did you bought the poor-quality goods and require the returned money from the seller? After all, the seller will not be able to transfer money to your account in Paypal. Fortunately, for such a case in the system there is a refund mechanism (refund). The seller can make a refund or the entire amount paid by you ("Full Refund"), or its part "Partial Refund". Money is returned directly to the card within 3 -10 banking days. After sending money opposite the corresponding transaction in the history of operations, the status "Completed" appears.

In addition, the system provides a dispute mechanism ( Case ), which is carried out in the section "Center for the Permissions of Problems". The dispute can be discovered no later than, after 45 days from the date of payment. Starting a dispute, you must fully describe the claims that are presented to your opponent. As soon as you open a "dispute", the amount paid by you on the seller's account is blocked before finding out the circumstances. PayPal informs the seller that a dispute is open on a specific deal, and suggests him to provide his arguments and evidence. If within 7 days the seller does not answer, or you with the seller are not able to solve the problem, then it is necessary to translate it into the category "claim" with the seller no later than 20 days from the date of opening a dispute ( Claim ) - This is an application for damage compensation. Then paypal managers will consider the arguments of both sides and will decide on the return of funds.

You can monitor the state of the dispute in the PAYPAL problem.

Account Security in PayPal

Account recovery

In case of blocking or theft of your account, its recovery is possible only in the case of PAYPAL security service. If you send copies of all the requested personal documents, including a copy of the perfect transactions from your credit card, or confirm the change of your IP address, then the PayPal security service will restore the operation of a blocked user account.

Protection of transactions

Money transfers with protection in the system are absent. Any measures to confirm transactions or significant actions in the account are also not provided.

The main security measure in PayPal is a refusal to maintain anonymous customers: they are superimposed on them that makes working with the system almost impossible. Verification of a credit card is designed to confirm the identity of the owner of the card used. The security service rate is apparently done on the absence of anonymity and the ability to attract state security services in the event of a passing of an account, as well as a strict restriction of access to the system of suspicious types like Russians, Ukrainians, etc. Apparently, these measures are enough: as stated, The volume of losses of the auction eBay due to fraud is only 0.2% of the transaction amount (PayPal, I remind you is the basic EBay payment instrument).

<<< ЗАРЕГИСТРИРОВАТЬСЯ В PAYPAL >>>

2017-05-29 16:11:12

I am in the Baltic States. We can put money through the terminal. Yes, and you can replenish in the cabin. I did it, but did not appear on your account. So I think or try again, or to go different ways. But I certainly need Pai Fal.

2017-05-29 10:47:12

Sergey, PayPal is not the system with which you can work without a map. Before binding the card, your account is unchecked, that is, in fact, non-functional. Yes, it can also be alimped at any time before passing the verification. If you need a payment, to which there is no need to tie a map, choose something else - QIWI, Yandex.Money, etc.
On the possibility of replenishing the PayPal account through the terminals for the first time I hear. The PayPal website says that the account can be replenished only through Euroset and Svyaznoy communication salons. So it is not known where your money went away. 2016-10-04 17:04:01

Vanya, according to the new rules of Pending 180 days.

2016-09-23 08:56:39

I sold the goods on the ebay, the payment was received, the buyer left a positive feedback. But the fact is that the payment is hanging in a state of "pending" more than 60 days.
The support service on the letter did not respond (oddly enough).
Someone came across such a problem?

2016-09-12 23:50:01

septime if the price of the goods is too attractive, you can not sleep that it is a kidalovo. But when you throw you, you can try to open the dispute and prove that they did not get anything. In theory, the seller will have to prove the PiPalu the opposite - to provide a post track, etc.

2016-08-24 22:45:11

I want to throw off the bill in the PayPal LKZ of the payment of goods from the Chinese company (I will immediately make a reservation, this is not an online store). What is the likelihood that I'm just throwing me?
I mean even more like more. If I don't get a product in two weeks, then what is the chance that the open dispute in the PayPal service will refuse me and says that I am guilty myself, that it is not clear to whom it does not understand why the money translated? Someone has such experience.
Eppically, I brought me the price of goods.

Dynamically developing Internet, and e-commerce funds, introduced a rather new concept - electronic money. Another 10 years old could not believe that it would be possible to buy something on the Internet, and at the same time calculated by virtual currency. But now electronic money tightly entered our lives. Yandex Money, Kiwi, web mani - the name of these payment services is no longer surprising for many network users. Every year, turnover make hundreds of millions of dollars, and this figure is inexorable growing.

Shopping in online stores is convenient, profitable, quickly. I think no one will argue with this thesis. But not always domestic online stores can satisfy the needs of buyers, and then you have to look in the direction of the US and Europe trading platforms. And here there is one problem - how to pay for the goods? Units of them work with Russian payment systems, but most prefers PayPal. This is how today we will talk about what a paypal is, where this payment system came from, and why Paypal is so popular in Europe, the USA, and all over the world.

PayPal - Get acquainted with the new payment system

PayPal (translated from English. Means "The buddy who helps you pay") at the moment is the largest and most famous operator of electronic payments in the world. Hundreds of millions of people make online shopping every day using PayPal. But why did it all start?

The company was founded in March 2000 by a group of students, among whom was an immigrant from the USSR Max Levchin. Already from the first months of work, PayPal began to serve the auctions carried out on eBay. In less than a few months, PayPal has already worked with a million auction, offering people to be calculated for services through their payment system. Such a rapid growth could not stay aside, and in 2002 a contract was signed according to which Ebay Inc. bought the rights to PayPal, and since then more than 50% of all EBAY auctions are paid with PayPal.

In 2013, the services of the payment system could be used in 198 countries of the world. At the same time, the company operates on 29 national currencies in different countries. Not so long ago, the number of registered users PayPal exceeded 200 million people. Incredible pace of development of this payment system forced many competitors to close their companies and go from the market. PayPal undoubted leader of world online payments, and this leader goes to us.

Much recently, Paypal came to Russia, and many Russian sellers and buyers who prefer foreign online stores and auctions, have the opportunity to legally bring out and put money at their PayPal account. Previously, everything was done through third parties who requested a large commission for doing. But now these "troubled" times went into the past.

Due to the fact that PayPal opened its representative office in Russia, there was a need to study in more detail the payment system, to understand its advantages before others, to understand the possibilities that are opening through PayPal.

PayPal: reasons for popularity and rapid development

Undoubtedly, PayPal has a number of advantages, thanks to which 200 million users worldwide use this payment system. Among them can be allocated:

Globality

The most important advantage of PayPal is globality. Where would you have been, having only access to the Internet in a matter of seconds to pay the goods in the online store from the USA or China. PayPal provides wide spectrum Opportunities for their users, and with regular frequency introduces new items in their service and functionality.

Convenience and speed

The speed and simplicity of use are another PAYPAL trump card. All your data is already in the system, and you do not need to enter the name each time, the account numbers, confirmation codes. Everything is done as simple as possible and quickly, so that the buyer can pay for the goods, while not bothering with the payment system.

Safety

Security is third in the list of PayPal advantages, but it does not mean that it is the third most important. Security issues in the company pays the most time, because everyone understands that customers trust PayPal hundreds of millions of dollars, and if a large leakage occurs, the authority will be undermined once and always. Who wants to use the payment system from which you can steal your money?

It can be said that the management of the company is Posharano for security, and constantly introduces new and new mechanisms for the protection of personal data. Some users complain that there are a lot of protection methods, and they interfere with working quickly and shop. But let it be better for a person will suffer 20 seconds of inconvenience, rather than will lose everything that lies on e-wallets.

Paypal also acts as an arbitrator, and solves controversial financial moments among the users of the system. If a person proves that he was deceived, and he made a payment through PayPal, but did not receive goods or agreed services, then the company will return the spent the amount from the fraudster's account. If there is no money on the account, PayPal compensates for everything at its own expense.

PayPal and eBay.

The fourth advantage of PayPal payment system is that about 90% of all the auctions are paid through it. This is not surprising, because the most popular auction in the world in 2002 bought PayPal, toning all the payment for it.

Recently, the popularity of eBay is growing, which has a representative office in 30 countries of the world, respectively, the number of PayPal users is increasing. The payment system is mastered by new countries every day, gains large markets. Recently, Paypal began to work in Russia, but faced with great competition from Yandex money, and especially web mana.

Official status

Although PayPal and does not position itself as a bank, but has all the signs of a financial institution. In the US, PayPal's activities are regulated by law on banks. It is this factor that distinguishes PayPal from other payment systems that are not relevant to real money, and it limits their functionality when working with foreign online stores. What does it mean? In Paypal, you have real dollars (or currency of your country), and in other payment systems on your wallets there are title signs that can be converted to currency. But the signs themselves are not a currency, it is just a number that does not represent values.

PayPal also offers a powerful comprehensive financial instrument where all operations are carried out by real, "alive" money. You "tie" to your PayPal account payment card (or a few), a bank account, you can automatically automatically replenish your balance in PiPal or withdraw money, and even if you sell anything, you can accept payment from customers directly with their Payment cards (they are not necessary to have a paypal account) and much, much more. By the way, PayPal works closely with fiscal bodies, having transferred them information about the payment received by the user.

Innovation

All you used to enjoy in domestic payment systems was borrowed from abroad. PayPal is an innovator in the world of online payments, and all the newest and most convenient chips are developing this particular company.

PayPal the first in the world produced a revolution of mobile payments, offering their users to carry out instant payment using mobile phones. With this service you can pay everywhere and always having on your hands only mobile phone. This technology There were already several large banks in Russia and Ukraine.

Paypal payment system: how to use?

Here there is a small minus. In each country, PayPal offers its own set of services and functions available to registered users. The widest opportunities among the inhabitants of the United States, because it is there that all new items and innovations are tested before going to the rest of the world. A lot of functionality is available for residents of Europe, Australia and China. Unfortunately, a set of function for users from post-Soviet countries is minimal, or very close to that.

This is due, first of all, the fact that we do not have much more widely in demand products from US shops and Europe. Plus, there are no other giants on the electronic payment market for no first year, which PayPal will be hard to displace from Runet.

How much is the use worthPayPal?

Opening and use of account absolutely free. For sending money, no fee is charged. True, it is worth noting that a small percentage can take a bank in which an account is opened. As a rule, this is a commission for converting and shipping currency. Paypal pays the one who receives funds (unlike web mana, where you pay the one who sends money).

We cannot call the exact amount of commissions, because it varies on the basis of many factors: type of account, amounts, geographical location of the recipient and sender, etc. In more detail with the percentage of the Commission, you can find on the official PayPal website.

Which to choosee-mail forPayPal

When registering in PayPal you need to specify the address email. We advise not to use free Servicesproviding the ability to register a box. First of all, it is associated with safety. If you want to be most confidently as possible that your money will remain in integrity and security, you will start mail on Gmail, or other reliable services.

Without payment systems, it would be impossible to develop an e-commerce market in our country, nor in any other country in the world. Currently, the choice of payment systems in Russia is large enough, and in the world - just huge.

PayPal - The largest payment system from all existing, covering customers in 202 countries of the world, and the total number of operations conducted in 2016 exceeded 5 billion. You can safely conclude that a huge number of people and financial organizations choose this particular payment system, trusting her money.

The company's developers will assist that PayPal's security system is one of the most secure In the market of electronic payments and translations. It is easy to agree with this, because the company has created Buyer protection programwhere the client who did not receive his product or it turned out to be poorly, can open a dispute, for six months from the date of payment.

The fact that security in the company's policy is in the first place carries in itself and one disadvantage - with any slightest suspicion account freezed for checking, occupying up to 180 days, as a result of which the account can be blocked forever, and the tools are locked for output.

If you have questions, you can contact PayPal support for Russian-language clients by number:

8 800 333 2676

Call to technical support is free for calls from mobile and urban phones.

Honest users may not worry because the company most often requires to provide scan passports, registration or cards tied to the bill. For those who introduced under the registration of not fictional data, but real, it will not be a big problem.

A huge plus when using PayPal's payment system is and protection of payment data. Unlike other systems, when paying for a product or service via PayPal is not translated electronic currency, but real money from account or bank card. At the same time, the recipient of the translation does not see the data card data from which the funds are sent, and the buyer does not need to enter the card number and the CVV code.

The history of the creation of PayPal

Group of students of Illinois University, including a talented 23-year-old immigrant from the Ukrainian USSR Maximilian Levchin, having great experience In programming and startups, founded Confinity. The company planned to enter the market for remittances with instant confirmation.

In 1998, the founders received an interesting offer from the Internet company X.C. and the leadership decided to merge and create a new brand called PayPal.

Verbatim, PayPal ("Pail" or "Paypal") - means " friend who helps to pay". Abbreviation fully justifies its initial destination.

The company has just created to ensure the financial activity of trading platforms on the Internet. The main partner Paypal became the company eBay.And in the first months of work more than a million lots were offered to pay through a new payment system.

In the third quarter of 2002 Paypal Inc. finally strengthened confidence among users of auctions and eBay made a purchase paypal For the amount of more than 1 mld. USD.

PayPal now

The company literally seized the global market of translations and electronic payments. Every year the number of partners in different countries The world is only growing, leaving competitors behind.

The company's turnover is growing with the number of partners, while safety requirements become more stringent.

Currently, PayPal is available in more than 200 countries around the world.
Sellers can receive funds from buyers in 98 world currencies
Service services are available in English, Spanish, Arabic, Russian and other languages.

Payments and translations within the system are carried out in 25 major currencies, and the departure currency may differ from the receipt currency. The exchange is made in the company's course, which is usually worse than the official course.

PayPal work principle

Everyone new client Systems must create your account, moreover, affordable services depend on the country of registration. Also, the Commission for the use of the service is also different.

Login The system is e-mail user, Therefore, PayPal recommends using paid postal services when registering an account. The recommendation is not mandatory. After passing the registration procedure, verification and confirmation of the E-mail, the new client will be able to fully use the service.

In addition to the country, the address of residence is also indicated. It is for this address that will be delivered shoppingpaid through PayPal. The address can be changed, but, in order to avoid blocking, it is not recommended to do it too often.

For most countries, the amount of the amount in the account is unlimited, but for individual countries, including Russia, Ukraine and Belarus, the maximum balance of account is $ 500. For the balance on the map connected to the PayPal account there are no limits.

Using PayPal - downloadable. The Commission is charged from the seller or the recipient of the translation and depends on the country of registration.

PAYPAL main earnings make up the difference in currency exchange, as the company uses its own exchange rate. Banks or other financial organizations are not involved in the exchange.

Unused users are stored in an account in an affiliate bank, each is insured against fraudulent use of funds.

In the US, PayPal has received the status of a financial organization and is obliged to comply with all relevant laws. In Europe, the system has the status of the bank, which obliges to carry out banking activities in accordance with the rules.

PayPal client account capabilities

Each verified user is given the opportunity:

Send translations Another owners of PayPal accounts.
Pay pay On the sites of partners.
Pay for goods At eBay auction.

And payment is possible:

from PayPal account
with a tied and verified bank card
from a bank account

For customers from the USA, Russia and some other countries, receiving funds to the account, and or an account in the bank, which allows selling on eBay.

There are only 2 types of accounts available for opening:

Personal account. The usual invoice for individuals, to calculate the Internet for goods and services. Also, transfers are available in Russia and the world. For registered in the US clients, there are no restrictions in the amount of purchases or translations. For Russia - no more than $ 500 per month.
Corporate account. Business offer, regardless of the size of the company. You can set accounts to customers and receive payment for purchases on your website. In order to register a corporate account, the Inn will be required

How to use paypal customers from Russia

In 2012, the company received a license non-bank credit organizationAnd from this point on PayPal provided users from Russia all available opportunities.

Before that, the Russians could only pay for payment or make calculation for the goods from the card. If for any reason the funds were returned to the account, then the money could not be withdrawn, and it was possible to pay them again in any online store.

Registration procedure available in Russian from start to finish. Also, the entire account interface is completely Russified. With difficulties you can contact hot line For customers from Russia.

To bring funds to the account in the Russian bank, it is necessary to tie a map. The procedure is quite simple and understandable, and is described in the article.

In Russia, payments through PayPal take more than 1,000 partner stores, including Ozon.travel, Lamoda and Ok. The payment process is simple and carried out in rubles.

Replenish the bill, you can even without a card binding through the communication salons "Euroset" and "Svyaznoy"that, undoubtedly, very convenient.

PayPal is the largest payment system of the world, which has more than 179 million active users.

Starting from October 2012, it fully functioning in Russia. With it, you can pay for purchases in online stores of any countries, as it operates 25 species of international currencies. "Payment buddy" (so literally translates the name of the service) allows you to make any financial transactions quickly and most safely.

In order to translate money acquaintances or pay for goods and services, you need to register. To do this, log in to the official website of the service and click special button (It is in the upper right corner). After that, a transition to the account selection page is automatically completed: corporate or personal.

Personal account allows you to do the following:

translate cash his loved ones and friends;
tie a bank card for online shopping;
put money on your account for payment of goods and services, translation familiar;
to bring money to the card or ruble bank deposit.

When registering, you will need to specify your email, come up with a password and fill out the questionnaire. Data entry is carried out in Russian. Fill in the required fields (name, passport data, accommodation address, phone number, etc.), you need to confirm the fact of familiarization with user AgreementAnd then click the "Accept and Create" button.

Register, open and replenish the account can be completely free. With further use, you can always change its status with personal on corporate. Creating a wallet, regardless of type, perhaps exclusively in state currency. But in the course of use, the system can add other types of currency.

At the end of registration, you can bind to electronic wallet The credit card, indicating only the number of the bank card, its validity and CVV2 / CVC2 code (the last three digits on the back of the "plastic"). After binding, you can replenish the wallet directly from the card or, on the contrary, make money from it and translate to the credit card. Top up the account can also be cash through the salons of the "connected" and Euroset.

How to start using PayPal?

The first action that must be done in order to start using the payment service is to confirm the email address. Only then the account will be considered created, and the user will be able to send and receive remittances, including without a credit card. To do this, log in by clicking the link in the upper right corner of the screen. On the page that opens you will find a link to confirm Email. After pressing it, the system will automatically send a letter to the address specified when registering.

To complete the verification procedure, you must re-enter the password used when creating an account. After that, instead of reference to Email confirmation, a green circle with a check mark inside. Now you can go to full use.

But before the start of use of the service it is worth find out the available limits. They are installed for all types of accounts. So, for owners of accounts with unconfirmed data, the monthly limit is 200 thousand rubles. The amount includes any financial operations, whether it is a conclusion or enrollment of money, paying online purchases. One-time operation should not exceed the total amount of 60 thousand rubles. This means that without confirmed data you can not buy in the online store MacBook Pro. 15 '' worth over 150 thousand rubles or obtain a translation to a similar amount.

To increase the amounts of financial operations, it is necessary to confirm the personal data. To do this, make such actions:

enter service;
click the link "Check your account limits" at the bottom of the page;
on the page that opens, click the "Enlarge Limits" button.

Selection will be offered several confirmation options. To remove restrictions on the account, you must perform them all.

One of the ways to confirm the passport data is to send its scanned copy (p. 2, 3 and 5). To confirm the data of the card, follow these steps:

enter the exact data (number, date of expiration, security code);
press the "Add Map" button.

Then in the Data Confirmation window, in front of the Row "Confirm the bank card", click the Start button. $ 1.95 will be written off from the account. Consider further actions on the example of the Sberbank card. After write-off funds, you need to visit Sberbank-Online, click the "Account Extract" link and find the required operation.

Next to the operation you will see the check code (4 digits) of the view of 2016code. Enter B. account payment system and enter it into a corresponding string. At the end of the check, the blocked funds will be returned to the account automatically. If you need, you can delete or change the map information.

Where and how can you pay for purchases?

To date, you can pay for purchases in tens of thousands of online stores around the world, including eBay, Ozon, etc. Many payment system partners provide accountholders special discountsFor PayPal users, numerous shares are held. You can learn about the current proposals by visiting the "shopping center" on the system website.

This section provides full list Sellers receiving payment via PayPal. However, there are a number of stores that are not ready to receive funds in this way. It is impossible to make purchases using this service to Aliexpress and Amazon. But this is explained, because PayPal and direct competitive of these trading platforms - Ebay - earlier included in one company group. But since the end of 2014, Ebay has decided to highlight the PayPal system in an independent structure.

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

visit the right online store;
add Liked Products Add to Cart;
go to shopping by pressing a special button or choosing available payment options from the list.

After selecting the payment via PayPal, a window will be automatically open for entering the email address to which the wallet is registered, and the password from it. If you have not had your own account before the time of payment, it can be created directly in the process of placing the order.

After entering the required data, the direct payment page will appear. At the same time, a bank card must be tied to your account. You can specify its details at the order confirmation phase.

Further procedure for placing an order standard: you will need to specify the address, delivery method and other necessary information. Payment for purchases for visitors to Russian online stores is always free. But when paying for goods abroad, the system can keep the commission for conversion equal to 4% over the wholesale currency exchange rate (if the seller refuses to pay it).

Owners of currency debit and credit cards should be pre-disable conversion. Otherwise, the system will send a request for the transfer of funds in the national currency (even if the account is exposed in dollars or euros), and the bank will transfer the required amount by the internal rate.

Safe purchases via PayPal

Important advantage of using this payment service is the availability of buyers' protection program. You can contact the support service for a variety of reasons:

non-compliance of the goods declared description;
the presence of defects, damage, traces of goods depreciation;
lack of goods to the buyer;
inconsistency size, style, colors, etc.

In all listed situations, the support service will help return funds to the buyer's account and compensate the cost of delivery and return shipment of unsuitable products. The program's action is partially applied even to the purchase of electronic tickets and documents.

To initiate a refund process, a number of actions should be made:

open the dispute after 7 or more days from the date of purchase, by contacting the Center for the Permission of Problems;
contact the seller for peaceful settlement;
close the dispute when mutual consent;
translate an open dispute into a claim when unsatisfactory reply seller.

It is noteworthy that the center works around the clock. His employees will consider the application and will decide, after which money for the goods can be listed on the account of the buyer. Another advantage of using the service is the procuringity of personal data (account details or credit card details). To confirm the payment requires only an email address and password to enter.

How to translate funds from the account?

You can start Paypal account for safe and fast money transfers. To transfer funds to friends and loved ones, you will need to make a couple of clicks. Just sign in personal Area And click "Pay or send tools" at the top of the screen.

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

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

You can transfer money not only from the account, but also with tied 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 for the conditions previously described.

How and where to cash out funds?

In order to cash the balance of funds on the account, you need to log in to your personal account and click on the "Remove Means" link. If you have not tied a bank account to the account, you will be offered to do this and go through the procedure for checking it. Two small amounts will be sent to the specified account (enrollment occurs within 3 - 7 days). You will need to find out their size and specify in special fields when re-transition by reference to the output. At the end of the check, you can freely output money on a bank account, not forgetting about installed limits. The output of money to a bank account or a tied credit card is carried out in about 3 to 5 days.

There are other output methods:

on a Qiwi wallet;
on Yandex.Money;
on Webmoney.

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

The output of funds is available not only in our country, but also in Belarus, in Kazakhstan. Residents of the CIS countries as Ukraine, Armenia, etc., will also be boring a card and a bank account to the account, pass a similar verification procedure and receive their money directly to the MasterCard or Visa card. In this case, you can get funds using a bank terminal (ATM).

Since his appearance, the money went through a huge way. At first there were natural products, then they were gradually pushed silver and gold, evolving later in the ingots and coins. They replaced paper money, supported after the checks, then the cashless payments appeared. We live in a world that is constantly changing, apparently, has come a new milestone in the development of money - now the domination is gradually moving towards electronic money. The systems engaged in this type of currency have recently appeared a lot of one of them and the PayPal currently unfolding in Russia. What is paypal and how to use it? What is so much different from the same Webmoney and Yandex money? Are there any advantages? Let's try to understand together.

Why did he come to us?

For research conducted by Paypal, Russians are increasingly buying in online stores for electronic money. Another payment option is bank cards, more and more people refuse to cash in favor of more modern ways. Thus, the appearance of the next payment system in Russia was the question of time.

And he is really popular?

When asked by the PayPal system, you can answer briefly: everywhere. It appeared in America at the beginning of the two thousand years as an innovative payment system project tied to an email address. Later, PayPal was overbought by such a giant as eBay, so, it is likely that it was the reason for her so soon development - still the status of a subsidiary of one of the online stores truly world-class gives a lot and very much.

How it works?

How to use PayPal payment system? First you need to get acquainted with the mechanism of her work. When registering on the server, you must specify the email address to which the account will be attached, and the payment bank card data (for comparison: the WebMoney system requires only passport data). When making payment, the online store will contact the PayPal account, and it, in requiring confirmation, will transfer money to the relevant account. Everything is extremely simple. The main idea of \u200b\u200bthe system is to combine maximum amount Credit card, roughly speaking, in one. That is why the answer to the question of the PAYPAL clients: "How to use without a card?" There will be a simple and laconic "in no way": the system needs to come from somewhere.

Can I register?

We continue to answer the question what Paypal is and how to use it. We will get acquainted with the registration procedure in the system.

It all starts with the choice of the region and the status of the score. Personal account is the one who will enjoy an individual, the corporate is intended for companies, online stores and others legal entities. The system offers to enter the basic data about yourself, such as date and place of birth, the email address (to which the account will be binding), the current home address. Then PayPal is interested in how you are going to pay for purchases: here the type of your bank card (MasterCard, Visa and so on) is selected and information about it is entered. A couple of years ago, how to use PayPal in Russia, they knew very few, but now that the system is officially legalized, ruble cards can be tied to it, then all accounts will be exhibited in Russian rubles. The company works more than one hundred currencies in the world, the exchange of which is carried out inside its system, so if you wish, you can go to pay in dollars, euro or other currency convenient for you.

The next registration stage is a confirmation of the card. To verify information about your account, PayPal will list the amount, a multiple of one US dollar, and in the statement of account as a comment on the operation will contain a special four-digit code, which is a confirmation. As soon as you enter it in PayPal, the dollar written off returns to your account, and you become a full user of the electronic money system. Keep in mind: The name of the user you specified in the PayPal system should coincide with the name of the bank account owner to which you want to contact, otherwise all payments will deviate.

And make money to bring?

"Food" paypal money on bank cards, but the score can be replenished with cash. But what to do with the output of the means? Can I somehow take them from the system?

The official recognition of the PayPal non-banking organization gave the company the opportunity to work with the Russian ruble, as accepting it as a payment currency and issuing it to customers who were able to better understand what Paypal is and how to use it. Paypal account, as mentioned above, can combine several cards in itself. To display the means on one of them, it is enough in the corresponding window "withdrawal of funds" to choose a map of the bank you need, introduce its details and, waiting for several days, while the multi-stage confirmation procedure is held, pick up your funds. All ingenious simply.

You can still get your blood and currency exchangers, but then the Commission is in the amount of 15% of the summary amount. In addition, you can use online paypal money exchangers for the same WebMoney, but in this case the commission is also not avoided.

Unfortunately, while in the system there is a removal limit: you can withdraw no more than six hundred thousand at times.

And I do not throw me?

The system guarantees the security of its payments, everything is checked several times. If the funds were written off from your account without your knowledge, PayPal instantly blocks your card, will figure it out what the problem will come back. If the transaction is done by you, and the service has not been rendered, then the system administration takes over the obligations to resolve the conflict situation.

What about bonuses?

Of course, Paypal has its own bonuses. Some stores, the same "ozone.ru" for example, from time to time there are discounts when paying through this system. Partner sites can return some part of the funds spent on the purchase of goods or services, back to the card or offer you participation in various prize draws. In principle, everything as with a regular bank card, which also includes a certain package of "pleasures" from partners.

conclusions

So what is PAYPAL and how to use it? First, it should be remembered that this payment system is tied to the bank card, so it is practically impossible to "throw" it - the means will almost certainly be returned to the client, and the violator of the rules will be punished (and such fraud is punishable and legislatively in Russia). Secondly, one of the advantages of PayPal is the ability to bring money to any card without commissions, the truth is not very fast, but the reason for this slowness is the desire to maximize the users from unauthorized payments. And the third bonus is the opportunity to receive a number of discounts when paying for goods and services on partner sites. Trifle, but nice.

In the twenty-first time it's time to forget what paper money is. Future - for non-cash. And with PayPal it became even closer.