Paypal payment system - what is it? What is paypal and how to use it.

My respect, dear readers, admirers and all sorts of other individuals. Today we will talk, as I understood from the header, about.

I think I will not be mistaken if I say that only the lazy (or deaf :)) I did not hear about the possibility of acquiring different busy "things", from any point of the globe, via the Internet, for example, in our partners from (or anywhere else yet).

But how to do it quickly, comfortably and safely, they know much less (especially in Russia). What's the matter, you ask? The answer is simple - not so many payment systems, especially proven time, can guarantee such a high level of service.

How do you remember (you remember, right? :)), we have already talked about the so-called e-mail and, in particular, about the payment system. Today we will talk about the most popular, safe, international (including with the support of the Russian language) system. And her name is: "Pay a friend!". Yes, yes, - you did not hear, this is how literally translated the name of the system.

So, meet the largest in the world online"Web payment system, access to which was closed for Russian users, as well as with 1999 of the year - . It is she who allows you to normally make purchases in the bourgeoiet, in particular on a huge and powerful, as well as use the button Donate. and thank your favorite sites (and not only them) :)

Let's start.

Meet the payment system - Review of the essence

A little story.

As you may know, in the post-Soviet space, unconditional (well, almost) the leader is the Russian system WebMoney.. The palm tree of the world championship, firmly captured the American company, which was acquired by the famous American Monster online. This is the most popular way of receiving and sending Internet payments at auction, in most American and Western European online stores and one of the most dynamically developing electronic payment systems in the world.

What is it popular, you ask?

The first is globality. With the help of this payment system, for example, a resident of the Russian Federation can easily pay in any online store of the world, in any currency and funds will be obtained in seconds;
Second, - speed and simplicity. Making a purchase, you do not need to enter multi-line bank details or payment card data. It is enough to know the recipient's identifier, and he, according to a brilliantly simple idea, corresponds to e-mail the address that user used during registration;
Third, - in order, but not in importance, is safety. No one except will recognize the details of your payment card. After all, leave them in all places where purchases are made, you agree, quite unpleasant and dangerous;
And, most importantly, - PayPal protects most of the purchases in the stores connected to it and, in case of problems with the seller, allows you to return your blood money.

In addition, a powerful financial instrument, where all operations are carried out by "alive" money, and not "title signs", as in the same system WebMoney..

So, that's what we have in services provided to users:

Sending payment (Send Money). The user can translate a certain amount from his personal account in the payment system, as well as directly from a bank card or a bank account associated with the account in
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 to both a separate person and the debtor group;
Accommodation on the Web Web site tools for receiving payments (Web Tools). This service is available only for owners. PREMIER.and Businessaccounts;
Auction Tools (Auction Tools). Payment system offers two types of services. Firstly, automatic mailing. Requests for payment. Secondly, the winners of the auction trading can pay directly to Web.- Site, on which the auction is held.

Immediately, I note that the "All Included" package (maximum service set) is available only to US residents for Russia - it is still sending / receiving payments, payments for shopping in stores and conclusion money. However, the company is actively engaged in "our" direction. Therefore, in the near future, you can expect an even greater expansion of opportunities for Russian users.

Now, in fact, we turn from words to business, i.e. to the process itself.
Well, on the road ..

Preparation for registration and further process

The mechanism of working with the system is such. You "tie" to your account payment account (credit, debit, calculated) card (or several) and / or bank account. You can automatically automatically replenish your balance in (terminal, ATM and TP) or withdraw money received from anyone. If you sell anything, you can receive payment from customers directly from their payment cards (they are not necessary to have -Canct).

To register in the system, you will need:

Plastic card (ideally tied to the current account, i.e. not a credit), on which the amount should be (attention!) Equivalent, at least several dollars USA, (Three dollars should be enough) otherwise it will not be possible to authorize it. Read more about maps, read below;
Working e-mail Address: The most optimal option notuse popular free Servicestype @ mail, and something in the form of [email protected].(eg, ). Mail, also suitable. To them, the security service is more confidence.

Also, you should not make a "banal" password (QWER123) to mail, because information will be added there on your card operations. Password safety issues were considered in the article: "", - so do not forget, we use!

Now actually about banknotes. I do not want to "ship" you unnecessary banking terminology, so to remove all the questions, I'll just give a specific example.

Card Type - Visa Classic. or MasterCard Standard.(and higher);
Issuer (who releases) - Sberbank of the Russian Federation;
Account currency is the one in which most of the operations (rubles or dollars) will be. Nevertheless, Paypal can convert any currency to any, so there should be no special problems with the purchase-translation of funds for any scenarios.

If you do not have your card, then you should know that the process of receiving plastic card occupies on average 1-3 Weeks (although some banks can give them almost instantly), so if you decide to give your loved ones, then consider this (plus delivery happens from several days to several months, depending on the method and country).

Now we go to the most important, registration and verification process.

Step-by-step registration instructions

The registration process in the system is sufficiently clear, and with the opening of the Russian-language version of the site, and at all, it became easier than a simple, although after the introduction of a number of laws, requires the provision of information about documents certifying your identity.

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

To begin with, we turn to the site itself and click on the button "Register".

Note! For a special advanced protocol (HTTPS), it provides protection for the transmitted data and indicates the authenticity of the official site.

Step 2. Select Create Account: "Personal" or "Corporate" PayPal

We switched to the next page, namely, registration.

To begin with, choose the type created account. In our case, we will use them themselves, for our mercenary personal purposes. Choose for you and " Open account».

Now choose the country (or region), specify the login and password to enter our future account. Do not forget that the password should not coincide with the login, as well as, must contain numbers, the letters of the Latin alphabet and even signs, which we have already mentioned above.

Step 3. Fill Personal Information for Our Account

As mentioned above, from a certain point in legislation and rules, actually, a lot is required. personal Information. Unfortunately, this is an inevitable step, but also hard to worry about this.

Next, you will get to the management page for your account, where you will clearly show which fields should still be filled (in general, not so much), as well as provide almost everything required tools To work with your score:

To begin with, we recommend confirming the email address (what you are asking for), what can be done, jumping in a link in a letter that came to you on Email After registration. By the way, the one you specified Email It is the account number for payments.

If the letter did not come, then it is worth waiting or see the spam folders, baskets, alerts, and TP, - maybe it is random (which is unlikely) fell there.

Here you can choose which notifications to receive by mail, which on Email And which categories in general may be interesting to you.

Let us turn to the last step that causes the greatest difficulties, namely to check (verification) cards in.

How to confirm (verify) card and account

For full-fledged work with, you need to verify (not confused with registering) your payment card. This is an additional security measure that you will confirm that you are the owner of the map you used and allows you to use it to replenish the account and holding payments.

Having passed this procedure, you also raise the limits (revolutions limit) of their Paypa.l.- Tackount and reduce the probability of blocking the latter.

This is not so difficult, as it could seem, but still many for some reason cause difficulties.

To begin with, click on your card name (if you added it) or add it (if you did not do it).

The confirmation process requires availability on a cash card. At the time of updating the article requires a minimum 60 rubles (equivalent 1 US dollars At the current course), but this value may vary with time.

Pressing the button " Proceed", in fact, you will be written off this same amount (in 60 or more / less rubles). As you can see in the screenshot above, it proposes to check the account statement in a few days, where, in the payment assignment, the code will be specified, which is just needed to confirm.

In fact, if you have a mobile bank, an online bank or their equivalent, then either on the Internet (bank-client), or in the SMS, you immediately get a notice of write-off, where you can see the same code (at the time of the update Articles 4 Numbers between letters, species PP1111Code.where 1111 And there is code).

This kind of code must be entered in the Card Confirmation window (it may be necessary to move to the account and click on the map to confirm again):

Click, enter the code and the tyring in the corresponding button:

Voila! The map is confirmed and ready for work, the limits are increased, and it is now green in the list of cards (such a trick will have to do for all your cards):

Now you have a personal account, with a card tied to it (and possibly a score), removed all the restrictions on the purchase and you calmly "plunge" into the immense world of foreign (and not only) Internet shopping / / (or where- Either else), well, or, as practice, you can list someone thanks or donation.

Well, we were glad to tell you about such a fast and convenient way Translation of money, secure payment of purchases and so on and TP, like.

As always, if there are some questions, additions, thank you and other differences, then write them in the comments to this article.

This is an electronic payment system with the longest history of the existence and the largest number of users around the world. Nine out of ten online stores make payments solely by PayPal.

PayPal electronic payment system binds a virtual account with a credit card or a bank account - this is the only system that truly translates money, and not electronic payment units.

The main principle of operation of this system is safety. The system guarantees the security of accounts, but creates users a lot of inconveniences by the fact that the slightest suspicion of client's unscrupulous actions cause instant account blocking.

History of the payment system

The world's oldest electronic payment system was founded in 1998 in the USA economist Peter Tiel, an entrepreneur Luke Nosek and a leaving from Russia programmer Max Levchin.

Confinity was created for implementation money transfers Through. mobile devices. The need for such a product on the market was colossal and confinity immediately receives huge investments about $ 4.5 million from Nokia-Vennicu and German Bank.

In 1999, Confinity merges with X.com providing financial Internet services. New name of the company - PayPal Ink.

PayPal official website began working with customers since February 2000. The Internet is growing rapidly, many paid services and virtual stores appear. The electronic payment system attracts huge investments - 23 million dollars. Already in June of the same year, PayPal has 1.5 million clients and daily turnover of $ 2 million per day. It is also important to understand

In February 2002, the Corporation issues a shares for a total of 900 million dollars to the US Securities Market.

In October 2002, the payment system acquires Ebay Inc for 1.5 billion US dollars.

PayPal today

Today, PayPal is the world's largest electronic payment system, in 2006 the system has made transactions in the amount of $ 11 billion - there is currently no competitors.

9/10 All online stores exercise their payments through PayPal.
PayPal has more than 20 different nominations, including the "Best Financial Website" (2006) and the "Most Popular Financial Portal" in the UK "(2009).
The territory of PayPal is 190 countries. The feature of the system is in each country the services of the payment system are different. The entire EPS complex is available only to users from the United States, Western Europe, Canada, China and Australia.
In 2007, the services of the payments system were accessible to customers from the CIS countries: Russia, Armenia, Kazakhstan, Azerbaijan and Ukraine.
The company's website offers customers a choice from languages: English, Chinese, Spanish, French and Russian.

Paypal calculations currencies

At the time of the basis of the company's payments in the system were carried out only in USD-dollars. Today, payments in the system are carried out in a number of currencies: euro, Canadian, New Zealand, Singapore and Australian dollar, pound sterling, yen, yuan, Czech, Danish and Norwegian crown, Polish zloty, Swiss franc and. You can dozens different waysBut in Russia only a few are available.

What is the financial activity of this system?

PAYPAL client binds a bank account or map to an electronic identifier - this is the address of its email. After registering in the system, the client can carry out electronic payments.

The minimum amount for the transaction in this payment system is 1 US dollar. Clients of the SIS CIS countries may have a limited amount of no more than $ 500.

PayPal users in America can instantly send money to PayPal via SMS messages. Soon this service will become available worldwide.

Paypal is the only one in the world - it deals with real "alive" money, so the security system instantly responds to the slightest violation of the rules for the transfer of funds.

The funds that the client enters into the payment system is deposited by WELLS Fargo bank accounts. Safeweb Insurance Insurance Company insures the risk of customers for removing without authorization more than 100 thousand USD-dollars.

Certificate of confidence, the Administration of the Payment System recognizes only verified client accounts when all bank account data is entered. Such accounts have minimal restrictions on the PAYPAL security service, which regularly blocks suspicious accounts.

This system has even a shame's own wall in the network, where users of the system are divided by indignation about the actions of the security service for freezing accounts.

PAYPAL services and accounts

Electronic payment (sending). Transfer of money from a personal account in the PayPal system, bank or account-account, verified in the system.
Request debtors about the transfer of funds. The user sends the debtors of the letters in which calls to make a payment.
Placing payment tools on the website. The service is available to the owners of the prime minister and business accounts.
Auction payments.

automated mailing list that requests payment;
you can pay PayPal purchases made on the Internet auctions.

The electronic payment system offers its customers a choice of three types of accounts.

Personal Account (Personal). An account for personal use is transfers to loved ones, customers, payments for purchases only inside the system. Limited account amount - $ 500 per month. The unbelief account, open in Russia or in Ukraine, is limited to $ 100 per month. The bill has no restrictions open in the US.
Premier Account (Premier). Designed for turnover of amounts exceeding a personal account limit. Allows you to pay PayPal to the account with credit cards, account integration is possible with the site.
Business account (Business). Opened to implement the financial activities of companies. It has the details of the company, its logo and functions on its behalf. The firm for opening a business account must have a taxpayer registration number.

Russians enjoy a limited set of services of this system:

Exercise electronic payments via PayPal from bank and account accounts.
Receiving payments - the service is available only since 2011. The amounts received to the email account in PayPal cannot be displayed on a bank account or map. Money can be spent only on the payment of Internet purchases.

Payments are carried out in rubles, all information exists in a Russian-language format.

To become a customer of the PayPal electronic payment system, it is enough to get a simple registration procedure in the system. The identifier will be an email address.

The security system requires the introduction of complete information about the client. Verification of the account in the system is carried out only after full introduction of all information about the account. At the time of verification on the map there should be an amount of about $ 3 - a membership fee for verification of $ 1.95 and a symbolic amount of 1 dollar, which will be returned after the account of the account in the system.

In Russia, there is a service - the sale of a PAYPAL virtual card with a certain amount on the account, for example, in the QiWi terminals. This card does not require an introduction to a personal account data system. To keep large amounts on such a map is not recommended - unverified card data are quickly calculated and locked by PayPal security. In this case, get the money remaining on the map will be impossible.

Advantages and Disadvantages of PayPal

The main advantages of the system are:

reliability and high security;
widespread prevalence;
ease of use - identifier is an email address;
fast and simple calculations;
the system removes money directly from banking (or card) account.

Disadvantages:

Users of the System in Russia and the CIS countries have a limited personal account limit - about 500 US dollars. The system of services of the system is actually available only to make payments within the system and payment of online purchases.
The money on the accounts of the system is not converted to electronic currencies.
The security system has an unlimited right to block electronic bills.

So, let's summarize and highlight the basic principles of the operation of this system:

PayPal is an electronic payment system.
This system is the oldest and most common in the world.
Users of the system have the opportunity to carry out cash payments directly from their bank account tied to the account in the PayPal payment system. The system translates real money, not electronic analogs. Tools are stored in the bank.
9 out of 10 online stores worldwide payments through PayPal. The system is distributed in 190 countries.
Russian users of the system (as well as most CIS countries) through PayPal can only make payments within the system and in online stores. The amount of the amount in the account is limited within $ 500.

To survive and leave offspring, you don't need to be best:
It is enough to be a little better than the neighbor in the savannah.
.

E is now every second-grader knows perfectly well that in the network there are colossal states and hundreds of billions of dollars are spinning. This is today the Internet is a global propaganda car that jokingly shut up for the belt television, newspapers and radio. Easy to believe in World Wide WebWhen it is clear: it is here that mankind is finally moved in the 21st century.

And you try to imagine yourself at the site of the discovers that came to the network at the dawn of her youth. Then, when it was not even assumed that one day the Internet would blow up the well-being of this world and captures all the rules of the game. Pioneers of the web did not know anything, terribly risked and often became the object of ridicule. Still, the current Internet was built on their optimism and faith. That's paypal., I nowhere to the whole world, in my time was only a dream, which was lucky to take free into the leader and billionaire.

P about some kind of unknown whim payPal Stories In RuNet is known only to a small number of people. We will talk about it below. But this fact does not make a less significant PAYPAL role for the global Internet. Therefore, this text here.

How did Paypal begin?

I need to think that history PAYPAL - This is a story of easy success, dried by roses. Rather, it can be called an example of a successful symbiosis, when two companies that alone would have remained on races of fame, together managed to create a claimed tandem.

And so, it all started with the fact that there were two companies, but to some moment they pierced their way to glory one way. So, the first participant of successful symbiosis was called simply and uncomfortable - XCOM. Founded the company at the end of the twentieth century Ilon Mask.who immediately sent it to financial rails. In fact, he wanted to create a certain intermediary platform, which would pay payments over a small percentage. This person had great experience, Mass of ideas, but serious problems with ensuring encryption security.

In from here, he was useful for the help of former Kievanian Max Leek (Skill - Programming and Cryptography) and Peter Tila (Skill - Finance), which in 1998 organized the company Confinity.. Let you not be confused by an unfamiliar company name, good, the site where the main application worked is known to almost everyone. Yes yes, it was paypal.com.. Of course, the principles of work of that service were decently different from work, but still at that time, the run-in the main algorithms began.

I will not go into the details of the merger, I will only say that because of some technical moments, the existence of these companies apart was possible, but unproductive. And, on the contrary, when merging each of the parties complemented each other. A powerful online tool was obtained, which could already be boldly beyond the leadership in the network.

They say, they say, it was good to paypal, because they did not have competitors, and therefore it was necessary to catch the wave and substitute. Stupidity! Just at the junction of the XX and XXI century, the network was full of more or less similar services that could intercept the palm of the championship. Two very strong arguments played in favor of PayPal:

but). They did not greader and took a small percentage of transactions;

b). They immediately put the protection of their service for such a high level that competitors were only blushing from anger and poured curses.

PayPal: Growth on yeast

The chronicle of the network reads the chronicle, the merger of companies happened in 2000, and the common name was decided to leave the name of the main service - PayPal. By the way, in translation, this is something like "Friends by payment" or "Pay, friend". And immediately, great success: PayPal began to offer as an alternative payment for the already popular.

OMIMO of this, the payment system noticed other companies. The popularity of the service grew, and in 2002, Paypal put out their shares for trading. And again, luck: the shares attracted about 1 billion dollars of investment, which for a company with a two-year history is a fantastic business. Serious work began on the global network conquest.

I know how the history of PayPal would have begun on, if in the same year 2002, the eBay already mentioned already bought the system for 1.5 billion dollars. I do not even know whether it is possible to trust this amount, because I have met the numbers and $ 2 billion and even at $ 2.5 billion. In principle, this is not so important for us, any of the sums looks like a damn impressive. Next, the following happened: took PayPal under his wing, making it the main payment system on its platform.

And again, I have to praise the far-sightedness of the auctionists, because they are not enough that they have brought themselves a pocket payment system, so they have done everything to have her own name. Over the next years, PayPal regularly served millions of payments with eBay, but at the same time did not forget about growth. So, after a couple of years after redemption, this payment system has become the most authoritative in the dollar zone. All its competitors by that time or safely closed, or left behind the leader on the whole building.

When in paypal manual They realized that one dollar would not be full, the introduction of the mass of new payment currencies began: yen, yuan, euro, Canadian dollar, Czech Krone, etc. In parallel, multiplaminity was introduced: the service was translated into more and more new languages. Soon the PUYPAL triumph became obvious to everyone. Besides…

Paypal in Russia

You, but in our with you, the paypal has not become a truly folk payment system. The main reasons for this two.

FirstlyThe opportunity to withdraw your money on the expense of the Russian bank appeared only at the end of 2013. Prior to that, I had to go to too turbid frauds like an output through local "Baryg" or not quite transparent payments through jackets.

Secondly, Paypal came too late: when there was a legal opportunity to withdraw his money from the system, the market was already tightly stuck in local "authorities" like Yandex.Money. Finally, the PAYPAL contingent was too specific: in Russia, this payment system is mainly used by buyers eBay and Western stores or those who work with the West directly.

To the case, Paypal remains the main payment system of the West and who knows, perhaps soon the company will significantly strengthen the presence in Russia. Wait and see.

In the twentieth century, it becomes one of the most promising methods for calculating the seller and the buyer. Evidence of this is at least the fact that only in Russia for 2013 market volume electronic money exceeded 2 trillion rubles. If you compare this figure since 2012, you can make sure that the e-commerce market grew by 23%. According to these figures it is easy to understand that the systems of electronic calculations are gaining more and more popularity every year.

Consider one of the most common e-commerce systems around the world - PayPal.

Birth system

History PayPal originates in March 2000, when it was invented (as a result of the merger of companies) several students, one of which was an emigrant from the Soviet Union (Max Levchin).
Immediately after the creation, the company began to serve electronic auctions, in particular, the world-famous eBay (in one month of existence of more than one million EBay auctions offered to calculate PayPal payment system).

In 2002, the Giant Ebay Corporation acquired PayPal, and from now on, 50% of purchases at auction occur exactly through the last.

For 2012, 190 countries could pay or trade with PayPal, in the system arsenal - 24 currencies around the world. The beginning of 2015 became the moment of split eBay and PayPal, and now these are two different corporations.

check in

So, the PayPal system. What it is and why it exists, we figured out. To start working in Paypal, you need to go through the registration process. For the start of registration in the PayPal system, you need to go to the official website (it is one for all countries, but for convenience you can choose the desired language), click on the "Sign up" button and in the next window select the "Personal Account" tab, then click on the button "Proceed".

After that, the browser is redirected to the page where the country should be specified, email, set a password to log in (it should consist of at least 8 characters, and it is better to enter both letters and numbers).

The next stage of registration is the filling of personal information (name, surname, date of birth, nationality, city, street, postcodeas well as a phone number). All data should be entered correctly in order to avoid further problems, since the account (or paypal-wallet) will be opened precisely according to the indicated data, which is then very difficult to change.

account activation

If all fields are filled correctly, you need to put the bird in the column " Terms of use", After that, click on the" I agree, create an account "button. Then you should check your mail and activate accountby clicking on the link in the letter.

Adding a bank card

Consider how to replenish PayPal. There is another important question. It sounds like this: "How to paypal?" You must first tie bank card to the system. It is done in the user menu. You need to go through the link "Connect and confirm my debit or credit card" (right at the top on the site). After that, you will need to enter all the actual data data, namely: last name, name, map type (Visa, Master Card, etc.), number, shelf life and so-called security code (3 digits that are on the back side of the card ), then click on the "Continue" button.

So that the card binding process has passed successfully, and it was possible to learn how to pay PayPal, it is required that the amount is the amount equivalent to $ 1.95. This amount of money will remove this amount in automatic mode to verify that the card really belongs to the owner. This money will not disappear, but will return to the account of the account exactly in a day.

Research Limits

The PayPal system for security reasons establishes certain limits for the output of money.

The minimum limit for CIS citizens is $ 50 or equivalent in another global currency. Maskimal withdrawal for the day (for residents of the Russian Federation) at the moment - 15,000 rubles, no more than 40,000 rubles can be withdrawn per month. In Russia, users of users about which are confidential, charges the minimum commission in the withdrawal of funds. This is a very favorable moment.

How to learn more about the limits and how to replenish Paypal? You need to go to the "My Account" tab in your account.

How to translate money on paypal

To transfer money in the system (for example, to another account), it is enough to go to the menu and click on the "Sending Money" tab. In the window that appears, you will need to enter the data to whom the money will be sent (PayPal-wallet), the amount and currency. The default is the US dollar, but you can always choose the equivalent in another currency, if there is a need.

If the question is about the translation to your card, which is tied to the system, then it's still easier, as the PayPal transfer money to his personal account is provided by the system. This can not but please users. PayPal - What is it? As you can see, this is a very convenient payment instrument.

To transfer funds to the menu, select "My Wallet" and mark the "Translate to a bank card" item, specify which card should be enrollled (as you can register anyone in the system, but at once a few cards), enter the sum and click " Translate". In this case, the payment occurs almost instantly, and if everything is in order with the bank (there is no problem with the network, let's say), then you can cash money from the card in 2 minutes.

Types of Accounts

And how to use them, we figured out. Now I have time to tell what accounts are in the system.

Globally PayPal accounts can be divided into 4 types (species):

personal;
premium;
student;
business.

The most common view of the account is personal (or personal). They can be free how to translate paypal money and take currency. At the same time, contacts with different kind of payers are provided. In order for money to be delivered to the address, it is enough to have a paypal wallet and an email address. This is all limited. The user cannot send or receive money from any type of card, only translations inside the system are allowed.

Premium accounts added specialized opportunities that are not available to other users. If you are interested in the question of how to transfer money to PayPal from the card, then this species personal Cabinet will help you answer it. It is in premium account that you can freely output money on the cards of other participants or take funds to your card through the system.

Student account is an innovation in the electronic settlement system. With it, you can easily answer the question of how to transfer money to the child's paypal account if he learns or lives abroad. A person must be at least 13 years old, in order to be able to open an account without any problems. One of the parents has the right to have up to 4 such accounts. The real account does not open up, but there is a system of replenishing a student account from the parent.

Business Account Allows the user to maximize the service. You can receive payments as an enterprise, there is no limit on the circulation of the currency per day, and, most importantly, you can take money to the account from any other bank or with electronic wallet (NOT PAYPAL). In those considered above, the types of accounts of such an opportunity, unfortunately, not.

Verification of the user

To begin with, we will define the phrase "Verification of the PayPal user" what it is, also consider. Explain the word "verification" simple words. It means confirmation (in the literal translation), and in our case - to confirm the truthfulness of the completed user information, which is registered in the system. That is, the system requires certain actions by the user, in order to make sure that the information he presented is 100% true (for example, you can register as Vasya Pupkin, but in fact they do not be).

Until the user is verified, payments can be implemented, but with certain restrictions. To remove the latter you need to send to in electronic format Or the mail scanned copy of the passport (with registration) and confirm the number mobile phone. These data are confidential, you can be sure that they will not fall in bad hands through PayPal.

Advantages of verification:

sending and receiving any amount of money at any time of the day;
confidence in the verified user is many times more than unconfirmed;
lightning dispatch payments from a bank account without delays and other small troubles;
availability of exclusive services (among them - seller protection)

Why paypal?

Among all sorts of electronic on the Internet, PayPal takes 1st place. And this is not good. For a PayPal system - what is it, what is not the safest place to store personal savings? Advanced technology and determine the fraud of any kind. You are almost unreal to get to your personal funds, even if the robber is a hacker with experience. The account is attached to the physical key generated by the system. This key can not be stored on the network, but, say, on the flash drive. Without access to the key, no one will ever be able to kidnap any amount of money from the account.

A little about the commission

How to transfer money to PayPal and not spend money on the commission? In fact, no way. The system charges the commission, but only from the transactions held. For opening an account and its service is not necessary.

To output funds for a check (real, which can be cash in any bank), you need to give 1.5 dollars.

The Commission depends on the country in which (or in which) will be transferred, from how to translate paypal money (bank or electronic translation), as well as from the transfer currency.

For example: if you withdraw money from personal Account At your expense in the United States, you do not need to pay anything, while in Bulgaria will need to give $ 2.5 for such a translation.

The system also provides a return commission. If for any reason you need to return the means back (how to transfer money to paypal, described above), then for this, too, will deduct a certain Suma.

As for the commission within the system, it also exists, and depends on the country and from other factors. In the system itself it will be necessary to share 0.5-2% of the total amount of the transaction or translation. Again, it is impossible to name a certain number, as it all depends on the set of factors.

Conclusion

Of all the above, it became clear what Paypal is and how to use it. The choice in any case will always be yours. The system has proven itself and proved the right to exist with the fact that millions of people around the world trust her - it exists more than 15 years. If the question is in translations within the Russian Federation, you can find an alternative, but if the arrivals will be from different countries, Certainly, you should choose PayPal.

What is PayPal and how to use it - not everyone knows. The economy does not stand still. Many products and services can be obtained on the Internet. For the safe conduct of payments, for the convenience of all participants in business relations, this payment electronic system was specifically developed.

What is paypal?

The main thing in payment via the Internet - security guarantees. A person should know that his money will not leave in an unknown direction, and he will not be a victim of fraud. Paypal payment system is a system with which you can send and receive financial transfers. Her main feature is to ensure the protection of the rights of sellers and buyers. The company is a kind of electronic bank, as practically the same features on the Internet.

PayPal - Pros and Cons

In the era of boom of technological development, such a system has become simply a necessity. Like any product, PayPal service has virtues and disadvantages. With the help of the payment system, you can buy even a car in a matter of seconds without leaving home or pay utility payments. All this makes human life much easier. Consider the pros and cons of this system in more detail.

Advantages of PayPal

Paypal Wallet has a huge number of benefits, among which it is necessary to highlight the following:

to work with this system do not need additional software For PC: You can manage a personal account from any browser and any PC;
high security is a huge plus: the identity of the client is carefully checked;
additional safety measure - Binding a credit card to a virtual account: This operation is needed to confirm the identity of the client;
in case of an unsuccessful transaction with money, the user receives his money back.

Cons PayPal

Any system has and unpleasant. Here and paypal account is no exception, because it has restrictions in work in the countries of the post-Soviet space. Before no longtime, in Russia to withdraw money from the account was difficult. Increased security measures, on the one hand, well, but the system independently blocks accounts with the slightest suspicions, without warnings and explanations. It is impossible to convert money to other electronic currencies.

What is paypal and how to use it?

PayPal has a very simple interface. Before starting work, you need to study the system and register in detail. After tie to a virtual account, a real card. Many sellers in domestic overlook the international level, and in Europe have long been free to use this payment system, therefore, the correct use of this device remains a pressing issue.

How to register at PayPal?

To create a paypal wallet, first you need to go through the registration process. Only these data you need to specify. Otherwise, the likelihood is great that in the future your account will be blocked. detailed instructions Includes the following:

specify the country, select the interface language;
select the type of account: corporate (for companies) or personal (for use by one person);
next, enter all personal data;
at the end of registration, an email comes with confirmation.

How to replenish PayPal?

The second important question: how to replenish PayPal. In order not to replenish problems, it is necessary to bind a credit card, then the operations will be easier. You can replenish cash through the terminal, it will also be needed to create. And then tied virtual map to the bill. So get money to your personal account in the system in two ways:

pay money from another account in PayPal;
get paid for offered goods or services.

How to bring money from PayPal?

The urgent issue for many countries of the post-Soviet space was the output of money with PayPal. There is a way of removing money through another person. For example, you need to withdraw money, and to buy a certain product. Then you make an exchange: he pays for you in cash, and you pay in the store its goods from your account. This method allows you to not spend any extra penny. Someone from relatives or friends will become your mediator to receive money in this way. What is paypal and what other output options?

Remove money in the office of the company. There are not so many such offices, so it's so lucky only to some citizens, but in general, it is an ideal way with minimal commissions.
Bring money to the bank card. To begin with, you will need to withdraw twice the minor amounts of money and wait a couple of days. Display via or kiwi. In this case, these wallets will perform intermediaries. Operations will be faster, but will have to pay the commission.

How to pay through PayPal?

Another important momentYou are interested in users - how to pay through PayPal. If you need to buy a thing in the online store, and there is indicated this method Payment, then you just need to choose it and enter your login and e-mail address. Money will be removed from the card tied to the account or from the remainder on the virtual account itself. Commissions payments recipient, not a sender.

What is paypal and what it is needed is extremely clear. Of all the foregoing, it turns out that this is a system for paying purchases and services that promotes the development of the economy in countries where it can be used to complete. The only minus is difficulties with the output of money in the post-Soviet space. Technologies are developing and, most likely, in a couple of years, and at any point of the Earth will be possible to complete the use of the system's capabilities. In any case, to use such a service is convenient and profitable.

Payment through PayPal purchases in foreign stores protects 100% of the registers of fraudsters. You can be sure that money will not go to the side, and you will stay without a product. Customer purchases are protected in such a way that until the buyer is confirmed about the receipt of the goods, the money does not come to the seller's account. In case of incident, the buyer receives his money back. The company is registered in the states as a money transfer company. It performs all banking operations and submits unified system taxation, and its work is regulated by all major laws.