PayPal is one of the best payment instruments (payment systems) on the Internet. PayPal is designed to pay bills and purchases, as well as send and receive money via the Internet by individuals and legal entities.

Millions of people around the world use PayPal. To pay, it is enough to have an email address and a password, which is very convenient.

To the features of this payment system and its benefits include:

1. It is possible to pay for goods without commission.
2. Paypal guarantees that the goods will be delivered(money will become available to the seller only after confirmation of the fact of delivery).
3. Paypal allows you to start a "dispute" with the seller about problems with the order.

History of creation

PayPal Inc. was founded through a merger of other companies in 2000. An aggressive user acquisition policy (paying up to $20 per user) resulted in over 1 million eBay sellers accepting PayPal payments in April 2000.

The founders of the business are Ken Howery, Luke Nozek, Max Levchin (born in Kyiv in 1975, moved to the USA, where he graduated from the University of Illinois), Elon Musk (also known as the founder of SpaceX and Tesla Motors) and Peter Thiel. In 2002, eBay Corporation acquired Paypal for $1.5 billion.

In 2011, Paypal changed the status for users in Russia. It became possible to replenish a Paypal account using a bank card, and since September 2013, it has been possible to use rubles and withdraw funds from Paypal without commission to your account in a Russian bank.

Paypal registration is described in detail in this article. Before the beginning free registration you need to know the following:

• All countries in this payment system are divided into groups. Russia belongs to the group in which a one-time payment for this moment can be up to 15,000 rubles, and the monthly payment limit is 40,000 rubles.
• For the CIS countries, the group level is lower and the limits are lower.
• Before registering, you should pay attention to the fact that you can replenish your account only with a plastic card attached to it.

Registration begins with the choice of the country and interface language. Next, you need to determine the type of account (account) in Paypal:

• For business (i.e. for sellers).
• For buyers.

Then real personal data is entered in a special form. The verification methods used by Paypal will most likely make the account inaccessible due to incorrect or fictitious data, so enter your real data.

Unblocking is possible only upon receipt of a letter from further instructions. They try to fake such letters for phishing and theft of funds, so it is worthwhile to carry out all your actions from the Paypal website, and not from the links in the letter.

Login to the system is your e-mail. It is recommended to have a separate mailbox for working with Paypal, which will reduce the likelihood of attacks on your Paypal account using the name mailbox. To restore access to your Paypal account, it is best to use mobile phone, so Paypal asks for his number when registering.

It is not necessary to link a plastic card when registering with Paypal, this can be done later. In any case, the binding will require the input of card data, including the confirmation code from the back of the plastic card.

Confirmation of the right to the account is done after coming to specified mail emails from Paypal. Confirmation of the linked card is a separate procedure. And only after its completion, the card becomes tied and can be used in this system. Checking the card is done as follows:

• A small amount (up to $2) is withdrawn from it, which will then be returned to the card or Paypal account.
• Confirmation by the user of this withdrawal serves as verification of the card linked to the account.

PayPal commission

Before describing, let's list the fees:

1. Payment for purchases in Russia is free. Commission in the amount of 4% only when converting rubles into foreign currency for purchases abroad (if the seller does not agree to pay the commission).
2. In the case of a personal money transfer in Russia using a PayPal account, there is no fee.
3. A commission of 3.4% of the transferred amount plus 10 rubles is charged. for each transaction when using a bank card in it. But there is an opportunity to choose who pays the commission: the one who sends the transfer or the one who receives it.
4. When transferring money abroad, an additional commission is charged from 0.4% to 1.5% (depending on the country of destination).

You can save on commissions if currency conversion is performed at the bank that issued the card.

What is a Dispute in Paypal?

This payment system gives 45 days for the possible start of a "dispute" with the seller regarding the improper execution of the order (including the quality of the product or its non-delivery). This means high protection against fraud, and if Paypal was used to purchase on eBay, a guarantee for the entire transaction.

When opening a "dispute", the seller's account will be blocked and over time the money will be returned, and in case of disappearance dishonest seller Paypal itself will issue the refund.

Secrets and features of using Paypal

When using this payment system, the quality of the client-oriented interface is impressive. To purchase goods in an online store or at an eBay auction, you need to indicate that payment is made using Paypal and enter your Paypal registration data (login and password). Confirmation of payment, after carefully reviewing the information presented on the screen about this purchase, will lead to the execution of the payment.

For more security, you can pay with Paypal. To do this, on the "Send funds" tab, you must fill out the form with information about the recipient and the amount of the payment without errors. The recipient is also identified by his login (his email).

On the next page, you can check everything and, if necessary, enter a discount code, change the conversion method, write a message to the recipient with private information. Further, after sending (the “Send funds” button) and refreshing the page (it can take a long time), the payment will be completed.

Changing the conversion method (so that instead of Paypal, this action is assigned to the bank that issued the card) is easy to set up in the profile, including for all subsequent operations.

It remains to consider how to replenish a Paypal account and how to transfer money to Paypal. Replenishment of the account is possible only from the linked plastic card, by exchanging other electronic money or as a result of the receipt of funds by the seller. How to profitably exchange electronic money, read here.

In Russia, sellers focus mainly on domestic electronic money and payment systems. But over time, the number of merchants accepting payment via Paypal will only grow. Perhaps a device such as "PayPal Here" (introduced in March 2012) will contribute to this. It allows you to pay with a plastic card through a smartphone on the iOS or Android platform. PayPal commission– 2.7% of the payment.

Paypal is especially relevant in Russia for paying for goods in foreign online stores or at auctions on eBay. In this area, it is practically uncontested. Gradually, more and more of our compatriots are trying to pay for purchases using Paypal.

So the world's most popular system for online shopping will deservedly receive its market share in Russia. This article is intended to answer the question of what is Paypal and talk about its features and benefits.

When a user chooses an electronic payment system, he wants to know in advance about the "pitfalls". In this article, we have specially collected the most useful reviews about PayPal for those wishing to weigh the advantages and disadvantages of the system. This information will be more useful than advertising texts on the main pages. In order for you to make your impression of PayPal, what it is and how to use it - reviews of real people collected by us from several sites. We invite you to take a look!

Impressions of work: easy and fast!

I started using the service without delving into the details, because I only made payments in online stores. Over time, I figured out the possibilities, since the site pleased me with an accessible interface. I found the answer to many questions by studying the sections, and now I am actively making purchases.

Why did I switch to PayPal? Some stores did not accept webmoney, but I wanted to apply not only to Grinmamu, Ozon or Aliexpress. After registration, I then mastered Buyincoins; Initially, the money was withdrawn from the linked card, but later a decent cashback in the form of interest on purchases accumulated in my favorite store. To facilitate the task, and soon made the payment! You can choose the right currency, but I don’t always calculate the benefits - the ability to buy what you want is more important.

Unreliable system

For those wishing to use PayPal, reviews may seem like a guarantee of good performance. I also fell for the bait, so I say: be careful! I often buy from UK eBay and lose money due to system problems.

Once I won an auction, but the price dropped too much, and the seller did not send the goods. To take back the funds (this is called unclaimed money), I did everything as advised in the description. Nothing came, I sent a request, in response they said to wait. I waited and waited, the amount was not returned, they did not respond to new requests.

A recent example: money was withdrawn for a purchased item 2 times. I wrote a request, indicated nicknames and transaction number, but there was no result. I started calling, Russian support did not answer, as a result I spent money on a conversation with Luxembourg, because the pleasure is paid. I can give a few more cases, but the conclusion is the same: the service is bad. The pros (speed and convenience) don't make up for the unreliability and terrible service.

The only system that refunds stolen funds!

I used the site for a long time to transfer money to my husband's foreign account, but then I decided to pay for everything myself. I chose the product, gave the seller an email address, after which he asked for a phone number, ostensibly for delivery. The next day, another $10 was withdrawn from the account, and a record appeared that I had made a donation. , not counting on a quick result, but in the evening I received an answer. $ 10 returned: the withdrawal turned out to be unauthorized.

I waited a week to send the goods, I tried to contact, there was no reaction. When I realized that I couldn’t see the goods, I applied again. I was told that they wrote a message to the seller and took control of the situation. Soon they decided in my favor, and everything returned to the card! Found new product, waiting for a parcel.

Buyer protection is a sham!

Not without flaws, after all. I use the services of different banks, so I willingly share my experience:

• First you need to make sure that there are funds on the card. After registration, a small amount is withdrawn 2 times (less than 100 rubles), which is later returned.
• It turns out to bind personal accounts, not correspondent ones. Therefore, a credit card from Tinkoff Bank did not fit, but a debit card was attached!
• PayPal does not work with Pioneer and Corn. I asked questions to representatives of Pioneer, and they reported that there were no restrictions on their part. Later it turned out that the payment system refused to cooperate.
• Ambiguous impressions remained from the "Russian Standard", after linking the card, the bank was very disappointing. Electronic payments went through, but when the seller returned the money for some reason, they were not credited to the card, but remained in the PayPal service. It was not possible to spend everywhere, and I decided not to work with Russian Standard.

It is important that immediately after the binding in the office stood. I did not immediately figure out that it was unprofitable, but then I changed it to the option from the bank.

Bottom line: I am satisfied with the services, but it takes a long time to understand the nuances.

Cooler than Webmoney

Recently, I was offered a part-time job at toloka.yandex.com, where there is no withdrawal to Webmoney. I began to think whether to open a Yandex.Money wallet or master the mysterious Paypal. I read reviews about Yandex and decided not to get involved! I began to understand PayPal, and it began ...

I was asked to confirm email address, installation mobile application, linking a card, providing personal data. My head was spinning, so many demands! Plus, from the reviews, I learned that after registration, $ 2 is withdrawn from the card. "Deceivers!" - I thought ... and decided to check. But the money was not withdrawn, on the contrary, they were transferred! After 4 days, about 20 kopecks appeared on the account, and for confirmation, I entered the amount in 2 boxes. After binding, I was able to perform operations!

I started transferring to the card, because I had accumulated 1000 rubles. With a trembling hand, I clicked on "Withdraw Funds" and prepared to wait a long time. But the money came not after 5 days, but after 3 days. And without interest, as in Webmoney, that is, it was not necessary to share what you earned. Result: the money on the card is safe and sound, but I prefer to cash out large amounts.

Slow, tricky, constant blocking

Andrey, 06 September 2016

It seems that Paypal employees are trying to create an impression of well-being with reviews. But for me this is the worst option!

I played online, upgraded my account and decided to sell it. I was interested in a guy from the USA, he offered. I have opened an account in the past and scanned documents were not required. Therefore, I agreed, because I used to buy, sell, withdraw, manage my own money.

After receipt, dollars were automatically converted into rubles, and it is clearly unprofitable. While I was sorting it out, they blocked me until I was provided with documents to confirm my identity. I sent scans and went to bed, and in the morning I called support: I managed to pass the authorization, but I couldn’t use the money!

After a new conversation with a nice girl, it turned out that "the system does not trust me", and for possible unlock you need to go through several procedures. Again, scans of the passport, confirmation of the location of the residence permit, all in the second round! Then the operator offered to make a purchase for verification and hung up. But there was no result, I had to call again. As a result, they said that it could take about a month to unlock the account. They refused to switch to the boss, they talked about nothing for 30 minutes, there was no result. There is a 5th day, progress has not waited.

Convenient, easy and fast

As a user, I pay attention to the convenience of shopping on eBay or in foreign and domestic stores. Registration was the hardest part, but all I had to do was follow the instructions and be patient. For some reason, my card was not displayed in the service for a long time, although $ 1 was withdrawn from it immediately (later returned). I was dissatisfied, because I registered to make a purchase, with which, due to delays, I had to wait 4 days. But the rest was easy!

When buying on eBay after clicking buy now you will be prompted to choose the option with a card (Visa, Mastercard, etc.) or make a payment in PayPal by entering your login and password. It is easy to make a transfer on other platforms, just do not forget to set the conversion, otherwise you will lose at an unfavorable rate.

Impressions are mostly good, there were no difficulties. True, I did not return the money from the seller and did not resort to the "Buyer Protection" system, I hope it will not be needed in the future.

“Thanks” to this system, I got into 2 scams:

1. I ordered a camera from the USA, instead of it the parcel contained a bag of sand. The open dispute was lost because the seller had confirmation of receipt of the goods.
2. The second case is even worse! I was waiting for an order from Italy, but the package was lost. The dispute was won, the amount was returned, I found the right thing elsewhere and made a purchase. But then the first parcel was delivered to me, which was suddenly found. The seller tracked the tracking number and asked to return the goods, which I did. After that, he filed a complaint, and the system revised the results of the closed dispute! I was charged the cost of the purchase and sent to the seller, so I lost money and was left without the goods sent.

There was also an unpleasant story with a friend who uses PayPal. The account was hacked and bought goods for $ 400, which he found out after receiving an SMS about the write-off. The friend immediately blocked the card, but the stolen money was not returned. Why complicated registration, if there is no reliability anyway?

Despite the inconsistency of the reviews, they provide an opportunity to assess weaknesses and take measures to avoid unpleasant situations. Individual shortcomings can be corrected by carefully studying the rules, and the number of problems will be reduced to a minimum!

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

What is PayPal?

The main thing in payments via the Internet is security guarantees. A person should know that his money will not go in an unknown direction, and he will not become a victim of fraud. The PayPal payment system is a system with which you can send and receive financial transfers. Its main feature is to ensure the protection of the rights of sellers and buyers. The company is a kind of electronic bank, as it performs almost the same functions on the Internet.

PayPal - pros and cons

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

PayPal Benefits

PayPal wallet has a huge number of advantages, among which it is necessary to highlight the following:

• to work with this system does not need additional software for PC: manage personal account it is possible from any browser and any PC;
• a high level of security is a huge plus: the identity of the client is carefully checked;
• an additional security measure - linking a credit card to a virtual account: this operation is needed to confirm the identity of the client;
• in case of an unsuccessful operation with money, the user receives his money back.

Cons of PayPal

Every system has its downsides. So the PayPal account is no exception, because it has restrictions in working in the countries of the post-Soviet space. Until recently, it was difficult to withdraw money from an account in Russia. On the one hand, increased security measures are good, but the system blocks accounts on its own at the slightest suspicion, without warning or explanation. It is impossible to convert money into other electronic currencies.

What is PayPal and how to use it?

The PayPal system has a very simple interface. Before starting work, you need to study the system in detail and register. After linking a real card to a virtual account. A lot of sellers in domestic go international, and in Europe they have been freely using this payment system for a long time, therefore, the correct use of this device remains an urgent issue.

How to register with PayPal?

To create a PayPal wallet, you first need to go through the registration process. You only need to provide real information. Otherwise, it is highly likely that your account will be blocked in the future. detailed instructions includes the following:

• specify the country, select the interface language;
• choose the type of account: corporate (for companies) or personal (for use by one person);
• then enter all personal data;
• upon completion of registration email a confirmation email will come.

How do I fund my PayPal account?

The second important question is how to replenish PayPal. To avoid problems with replenishment, you need to bind credit card, then it will be easier to perform operations. You can replenish cash through the terminal, for this you will also need to create. And then we tie virtual card to the account. So there are two ways to get money to your personal account in the system:

• transfer money from another PayPal account;
• receive payment for the goods or services offered.

How to withdraw money from PayPal?

An urgent issue for many countries of the post-Soviet space was the withdrawal of money from PayPal. There is a way to withdraw money through another person. For example, you need to withdraw money, and he needs to buy a certain product. Then you make an exchange: he pays you in cash, and you pay for his goods in the store from your account. This method allows you not to spend a single extra penny. One of your relatives or friends will become your intermediary to receive money in this way. What is PayPal and what other withdrawal options are there?

1. Withdraw money at the office of the company. There are not so many such offices, so only some citizens will be so lucky, but in general, this is an ideal way with minimal commissions.
2. Withdraw money to a bank card. To begin with, you will need to withdraw small amounts of money twice and wait a couple of days. Withdraw through or Qiwi. In this case, these wallets will act as intermediaries. Operations will be carried out faster, but you will have to pay a commission.

How to pay with PayPal?

Another important point, which interests users - how to pay via PayPal. If you need to buy a thing in an online store, and there is indicated this method payment, you just need to select it and enter your username and email address. The money will be withdrawn from the card linked to the account or from the balance on the virtual account itself. The commission is paid by the recipient, not the sender.

What is PayPal and what it is for is very clear. From all of the above, it turns out that this is a system for paying for purchases and services, contributing to the development of the economy in countries where it can be used to its fullest. The only drawback is the difficulty in withdrawing money in the post-Soviet space. Technologies are developing and, most likely, in a couple of years, and anywhere in the world it will be possible to fully use the capabilities of the system. In any case, using such a service is convenient and profitable.

Payment through PayPal for purchases in foreign stores protects 100% from the intrigues of scammers. You can be sure that the money will not go to the side, and you will be left without goods. Customer purchases are protected in such a way that until the buyer confirms receipt of the goods, the money does not go to the seller's account. In case of incidents, the buyer receives his money back. The company is registered in the states as a money transfer company. It performs all banking operations and reports to unified system taxation, and its work is regulated by all the main laws.

In contact with

In all spheres and industries, there is always a leader. It is he who, by his own example, demonstrates the correctness of the chosen direction and the optimal combination of important advantages. Among the operators of electronic payment systems, PayPal is such a leader today.

What is PayPal?

PayPal is an electronic payment system with which you can make purchases, pay bills, and accept transfers.
to any other currency you can on our website.

When was PayPal founded? Who is its owner?

The company of the same name was founded in 2000. To create it, it was necessary to merge two other companies - X.COM and Confinity. 24 employees of the newly formed company and became the first customers of PayPal Inc. The convenience of electronic payments, the speed of transactions and loyal conditions for newly connected customers in just a few months made it possible to attract hundreds of thousands of new users to the system. And the start of servicing the most popular even then eBay auction determined the future success of the service. Record growth in the popularity of this payment system led to the fact that already in 2002, the owner of PayPal Inc. became eBay.

What is the position of PayPal today?

Currently, PayPal is represented in more than two hundred countries, and over 137 million users are registered in the system itself.

In what currencies can I make money transactions with PayPal?

PayPal offers to make payments in 26 types of national currencies. Among the most popular are: euro and US dollar, pound sterling and Japanese yen, Canadian dollar, Swiss franc, shekels, Mexican and Philippine pesos, Hong Kong and Singapore dollars, Thai baht and Russian rubles.

What are the commissions in the system?

Commissions for countries of the former Soviet Union differ in amounts. When making internal PayPal dollar transfers from Ukraine, Belarus and Moldova, users are charged 3.4% plus 0.3 c.u. In Russia, transfers in dollars, like other foreign currencies, are prohibited. The Russian commission for internal transfers is 3.9% plus 10 rubles. When transferring funds abroad, the commission ranges from 0.4 to 1.5% and depends on the specific country where the payment is sent. The operation to transfer funds abroad from a Russian bank card costs users an additional 3.4% plus 10 rubles. Receiving foreign currency from abroad and sending them to other countries are allowed for users of all countries - Russia, Ukraine, Belarus and Moldova. Commissions are also provided for recipients. Thus, Russian sellers (payees) are forced to pay from 2.9 to 3.9% plus 10 rubles per transaction. More detailed terms of commissions for recipients are described on the official website of the PayPal system. For Ukrainian users, payment for purchases on the Internet remains free, and for sellers, from 2.4 to 3.4% plus 0.3 US dollars are withheld from each transaction. Payments by bank card in personal payments in Ukraine costs 3.4% plus 0.3 US dollars. In this case, the commission can be paid by both the recipient and the sender.

Who can use PayPal?

Anyone can become a PayPal customer. And this does not require any special knowledge or documents. The registration process in the system is step by step as follows: - on home page the official website of PayPal, you must go to the "Sign Up" form; - indicate the country of residence; - select the "Personal" type of account; - fill in all the proposed fields; - confirm your consent by ticking the appropriate box; - enter the details of a personal credit card from which payments will be made (if it is not available, this step can be skipped); - follow the link that will be sent to the e-mail you specified during registration; - confirm the credit card by clicking on the appropriate link on the site (this step will charge your card 1.95 USD). After that, a small amount will be credited to your card, and a four-digit number will be indicated in the additions to the transfer. It will need to be entered on PayPal.com. Please note that a test transfer from PayPal may not be made immediately, but within the next few days.

Are there any restrictions on PayPal?

Of course, a number of restrictions apply to all PayPal customers. But there are special conditions depending on the country. So, in Russia, since recently, the following restrictions have been applied to anonymous payments: - Anonymous cannot withdraw money; - cannot make transfers for a total amount of more than 40 thousand rubles a month; - the amount of a one-time transfer should not exceed 15 thousand rubles. Users who have passed a simple identification verification can make transactions in the amount of up to 200 thousand rubles per month, and for identified clients, the opportunity to withdraw up to 5 thousand US dollars from the account is available daily. Withdrawal of funds from a PayPal account in Ukraine can be carried out not in cash, but by paying for goods and services around the world - at auctions, in online stores, to pay for communications, the Internet.

Does PayPal have cons?

The disadvantages of the PayPal system can be considered: - the possibility of blocking an account without explaining the reasons (of course, the blocking can be challenged, but this will take time); - the impossibility of converting currencies (for example, from the ruble - into dollars, from dollars - into pounds sterling, and so on); - Significant restrictions for users from the countries of the former USSR (however, this shortcoming relates rather to the legislation of these countries).

What are the advantages of PayPal?

We can talk about a huge number of advantages of the system based on its popularity in the world. PayPal users see the following points as the most important for themselves: - an excellent level of financial protection; - record prevalence - thanks to PayPal you can use your own electronic account in almost any country in the world; - high speed performing operations; - simplicity and accessibility of the Russified interface, which can be used by any computer and Internet user; - the possibility of conducting transactions with the account using a mobile phone; - careful check of sellers as additional protection from fraud.

Add a comment

Konstantin

It is impossible to convert funds, but it is possible to transfer from a ruble wallet to a dollar wallet without a commission, at Paypal rates, that is, if you transfer $ 1 from a ruble account to a dollar account, then rubles will be debited from you, and dollars will come, and if you withdraw dollars to ruble card, they are automatically converted into rubles at the rate of your bank.

As you know, today, the global web is ready to offer many users a great chance to earn decent money, so, as statistics show, many do not want to miss this chance. But in order to start earning, of course, this process should be approached comprehensively and responsibly and without virtual e-wallet, where the money will begin to flow, is definitely not enough.

Payment systemsPayPal. Features, advantages, disadvantages

Now you should understand that when earning or making purchases online, in any case, you will need to use paypal transfer, because this is a necessity. Please note that the payment system is foreign, but this does not mean that it is unknown in our country, it is very popular, which is important.

This is due to the fact that it is really convenient to use, for example, to pay for purchases that are actively made by users via the Internet. It is important to add that such a payment system is ideal for the category of people who cannot live without travel, recreation, since with its help it is possible to make payments with particular ease in the countries of America and Europe, respectively.

To create a PayPal wallet, you will need to go to the payment system website, and then register, making sure personally that there is nothing complicated about it. In the event that an English version has opened in front of you, then you need to click on the checkbox, choosing the Russian language, everything is easy and simple.

First of all, I would like to note that this system is reliable, easy to use, in addition, you can withdraw money to the card with particular ease, you will also be pleased with an insignificant, small commission for transactions, which is especially pleasing.

As already mentioned, you can create a wallet without much difficulty, making sure that really this system popular all over the world where there is Internet. As for the shortcomings of the system, you should know that there are not very many of them, but still, some people have found them, for example, users say that money is withdrawn to the card only in the national currency, in addition, there are regular complaints that the system deceived users or closed the account altogether.

So, carefully study all the pros and cons of the PayPal payment system in order to make a reasonable, right decision.