Friday 8 June 2012

about paypal


Personal Transfer
  • Free when the money comes from PayPal balance or bank account.
  • 3.4% + €0.35 EUR
    when the money comes from a debit or credit card or PayPal Credit
    (the sender decides who pays this fee).

Other fees may apply that are not imposed by or paid through PayPal.


Transaction Fees

Sending money

It's always free to send money to friends and family when you use your PayPal balance or bank account. Fees apply only if the sender uses a credit or debit card, or if you receive any payment for goods or services. There are also:
  • No monthly fees to maintain a PayPal account.
  • No setup fees.
  • No gateway fees.
  • No fees for multiple eBay and merchant tools.

Receiving purchase payments 

The standard rate for receiving payments for goods and services is 3.4% + €0.35 EUR. (for Domestic Payments)
The standard rate for receiving payments for goods and services is 3.9% + €0.35 EUR. (for

Cross-Border Payments)

 withdraw from your PayPal balance to your bank account.

from u.s.a,

Bank Location                Currency    Withdrawal Fee       Return Fee
United States                   USD              Free           None

PayPal may charge a minimal fee for withdrawals to non-U.S. banks. We charge you at the time of withdrawal.
Some non-U.S. members may have U.S. bank accounts, so make sure the bank account and delivery information for your withdrawal is complete and correct.

Send. Receive. Withdraw to a U.S. Bank Account or a card.

Send and receive payments in these countries. Withdraw from your PayPal account to a U.S. bank account. In addition, withdraw to a credit or debit card in countries marked with a ().
  • United Arab Emirates


User Agreement
Restricted Activities.

10.1 Restricted Activities. In connection with your use of our website, your Account, the PayPal Services, or in the course of your interactions with PayPal, other Users, or third parties, you will not:
  • Access the PayPal Services from a country that is not listed on PayPal's Worldwide page.

PayPal charges the following Fees:
  1. Commercial Payments Fee.
  2. Additional Fees:
    • Currency Conversion Fee;
    • Withdrawing your Balance Fee;
    • Chargeback Fee;
    • Credit Card and Debit Card Confirmation Fee; and
    • Records Request Fee.




Credit Card and Debit Card Confirmation
U.S. Dollar: $1.95 USD

How do I open a PayPal account?



Here’s how to sign up for a PayPal account:

  1. Go to the PayPal website.
  2. Click Sign up at the top of the page.
  3. Select your country or region and your language.
  4. Click Open an account under either Individual or Business.
  5. Enter the required information and click Agree and Create Account.
  6. Check your email and look for a message from us.
  7. Click the confirmation link in the email.
  8. Enter your password and click Confirm.

How do I verify my PayPal account?


To become verified, link and confirm your debit or credit card, or add and confirm a U.S. bank account. Becoming Verified is necessary to start to receive and withdraw money.

Here’s how to verify your account:

  1. Log in to your PayPal account.
  2. Click Get Verified.
  3. Choose a verification method.
  4. Enter your information and click Continue.
  5. Click Confirm and click Submit.

Where do I find the PayPal code to link and confirm my credit card?

You can find your 4-digit PayPal code on your debit or credit card statement next to or near the charge amount.

Your code will look like this in the item description section of your statement:
PayPal*1234 CODE or PP*1234 CODE
Please allow 2 to 3 business days for the PayPal code to appear on your online card statement. If you do not have online access to your statement, you'll need to wait for your statement in the mail.

To enter your PayPal code, log in to your PayPal account and click Profile near the top of the page. Click My money under My Profile and then click Update in the Debit and credit cards section.

How do I change the currency of my Sending and Withdrawal Limits?

Your Sending and Withdrawal Limits are in your primary currency. You can change your primary currency anytime by going to your Profile. Here's how:
  1. Log in to your account.
  2. Click Profile near the top of the page.
  3. Click My money under My Profile.
  4. Click Currencies in the PayPal balance section.
  5. Select the radio button next to the currency you would like to designate as your primary balance.
  6. Click Make Primary.

What if I failed to confirm my debit or credit card?

Your account’s security is our top priority. That’s why we ask that you link and confirm your credit card to verify that you’re the card owner.

Because you entered your 4-digit security code incorrectly 3 times, we disabled the credit card from the PayPal system to help protect you.

Click Contact Us at the bottom of any PayPal page, then contact Customer Service so we can re-add the card for you. Once you have re-added the card, you can ask to have the 4-digit code re-sent.

Here’s how to request a new 4-digit code:
  1. Log in to your PayPal account.
  2. Click My Account.
  3. Click Confirm my debit or credit card under Notifications.
  4. Click Resend PayPal Code at the bottom of the page. If there is more than one card listed, choose the appropriate card in the drop-down menu.
  5. Click Save and Continue.

How do I link and confirm a debit or credit card?

After you add your debit or credit card, you may be required to link and confirm it. You link your card by authorizing PayPal to charge it a small, refundable amount.
  1. Log in to your PayPal account.
  2. Click My Account.
  3. Click Link and confirm my debit or credit card in the To Do List box.
  4. Click Save and Continue.
The charge may appear on your online card statement in a few business days, depending on your card issuing bank. If you do not have online access, wait for your statement in the mail. Your unique, randomly generated 4-digit PayPal code is displayed on your card statement near the PayPal charge. In the item description section, you will see it next to the word PAYPAL.

You need your PayPal code to confirm your card.
  1. Log in to your PayPal account.
  2. Click My Account.
  3. Click Confirm my debit or credit card in the To Do List box.
  4. Enter your PayPal code and click Submit.

Why do I need to verify my PayPal account?


We ask all customers to verify their accounts to help make PayPal safer for everyone.

Here are the benefits of a Verified account:

  • We lift the limits on how much money you can send and receive.
  • You have more payment options.
  • You can withdraw money from your PayPal account.
You must confirm a bank account or a debit or credit card to become Verified.

Here’s how to verify your account:

  1. Log in to your PayPal account.
  2. Click Get Verified.
  3. Choose a verification method.
  4. Enter your information and click Continue.
  5. Click Confirm and click Submit.

What credit cards can I use with PayPal?

You can use Visa, MasterCard, or an American Express card to fund your PayPal payments. Only credit cards that are Internet-enabled can be used with your PayPal account.

Here's how to add a debit or credit card:


  1. Log in to your PayPal account.
  2. Click Profile near the top of the page.
  3. Click Credit Cards under Financial Information.
  4. Click Add my card next to Debit and credit cards.
  5. Enter your information and click Add Card.

Why do I have to link and confirm my debit or credit card?


Linking and confirming your credit card helps protect your account:
  • It increases security within the PayPal community.
  • It confirms your identity and verifies that you own the card associated with your PayPal account.
  • It limits the risk with stolen credit cards and fake identities.
When you link your card to your account by authorizing PayPal to charge a small amount, PayPal generates a unique random code which displays on your card statement. As the owner of the credit card is the only person who has access to the card statement, this process reduces the risk of stolen cards and false identities being used on PayPal.

Once you have you linked and confirmed your credit card on your PayPal account we’ll change your account status to Verified. This tells other PayPal users that you have completed this process and lifts the limits on your account.

How do I convert my PayPal balance to a different currency?


You can convert some or all of your PayPal balance from one currency to another currency.

Here’s how to convert your PayPal balance to a different currency:
  1. Log in to your PayPal account.
  2. Click Profile near the top of the page.
  3. Click Currency Balances under Financial Information.
  4. Enter the amount you want to convert under the Currency Exchange column.
  5. Choose the new currency.
  6. Click Calculate to preview the conversion.
  7. Click Review Exchange to see the conversion details.
  8. Click Exchange Currency to confirm the transfer.

Why do I have a Pending Balance?


If you’re a new seller, your payments go into a pending balance. Payments usually stay in your pending balance for 30 days. Payments in your pending balance belong to you, but you can’t use or withdraw them.

If a buyer has a problem with a purchase, they can file a dispute or ask their card issuer to reverse a payment. By putting your payments into a pending balance, we make sure you can return payments quickly to a buyer’s account. After 30 days, pending payments go to your available balance, as long as your customer hasn’t reported any problems with the purchase.

After you have a successful selling history with us, we no longer require 30-day settlement periods. We’ll notify you by email when payments you receive go directly to your available balance.

Here are some of the many factors we use to determine whether you have a successful selling history:

  • The number of chargebacks, disputes, and reversals you have had.
  • Selling and withdrawal patterns in your account.
  • How long you’ve had your PayPal account.
  • The type of goods and services you sell.

How do I get paid?

To get paid, someone must send a payment to your email address. We'll send you an email at that email address to let you know you have a payment. To receive your payment, you must open a PayPal account and confirm that email address.

As soon as you receive the payment, it goes into your PayPal balance. When you have a PayPal balance, you can either use those funds to send a payment or you can withdraw the funds. Log in to your account and click Withdraw to view your withdraw options.

What happens to payments that aren't collected after 30 days?

Payments that are not collected after 30 days are returned to the sender and marked as "Returned" in the Transaction History. PayPal members can manually reverse unclaimed payments before the 30-day automatic reversal.

Members may also reverse unclaimed payments before the 30-day automatic reversal if the recipient has not signed up for PayPal using the email address to which the payment was sent.

How do I check the status of a transaction?

Here’s how to check the status of a transaction:
  1. Log in to your PayPal account.
  2. On the My Account page, is your most recent account activity, and under Payment Status is the status of a transaction.
  3. To view all of your transactions, click History near the top of the page.
Here’s how to see the definitions of a payment status:
  1. Log in to your PayPal account.
  2. Click History near the top of the page.
  3. Click View payment status glossary.
Note: To see specific information on a payment, you can also hover your mouse over the Payment status












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