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Old 09-05-2009, 06:08 AM
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Default How to use PayPal When Making a Purchase from an MBB Message Board Link

PayPal is an online financial middleman that facilitates the transfer of money between people and businesses online. Users only need to share private financial information with PayPal, not unknown parties. You can use PayPal to buy many of the items from links you find here on MBB. If you've ever wondered about how to use PayPal, here's the scoop!

Create a PayPal Account

Creating a PayPal account is very easy. You just need an email address to get started.

First, go to PayPal's home page and choose "Sign Up Now!"
Select the country where you live and choose a language preference.
Now you need to choose a type of PayPal account. PayPal offers three account types. When choosing between them, consider what you're going to use PayPal for.

Types of PayPal Account

Review the types of PayPal accounts: Personal, Premier, and Business.
Remember, it costs nothing to send money via PayPal, but some accounts charge fees to receive money. The exact fees vary with the type of account.

Personal accounts:
Pros: No transaction fees on payments received via PayPal Balance, PayPal Instant Transfer, or PayPal eCheck.
Cons: Can only receive a limited number of credit card payments; limited customer support (no toll-free number and long wait times); $500 per month limit on receiving money.
Ideal User: Online shoppers who do not spend large sums of money.

Premier accounts:
Pros: Toll-free customer service number; can accept unlimited credit card payments; eligible to apply for PayPal ATM/Debit Card, which allows direct access to your PayPal account instead of waiting for funds to transfer to your bank account.
Cons: Transaction fees to receive payments via PayPal.
Ideal User: Individual online sellers.

Business accounts:
Pros: Same as Premier; ability to have multiple users access same account; can operate under business name.
Cons: Same as Premier.
Ideal User: Business owners.

If you have an idea about the amount of money you'll be handling on PayPal, use the PayPal Fee Calculator to see what fees you'll pay for each type of account.

If you're not sure what account to choose, start with a Personal account. It's free to upgrade to a new account later if you feel you made the wrong choice.

Some PayPal users find it useful to have two PayPal accounts: a personal one for accepting payments, without paying fees, and a separate business account.

You will need a separate email address for each account

Create Your PayPal Account

Once you've chosen the right account for your needs, click on the appropriate account button.
  • Fill in the requested information. Choose a password that others won't easily guess!
  • Read the user agreement, then click to create your account.
  • You'll receive a confirmation email from PayPal. Click on the link in the email.
  • Sign into your account with the password you just set up. Now you're ready to go!

Set Up Your PayPal Account

You can receive money immediately once you've created an account. You need to give PayPal a source for funds before you can shop online or send money to anyone. You can also set up PayPal so you can use it with your mobile phone, and you can verify your account if you want to spend more money than the initial PayPal spending limit.

Funding Your PayPal Account

PayPal gets money from you to send to a recipient in one of three ways:
  • Deducting the funds from your PayPal account, if you have a large enough balance.
  • Deducting the funds from the bank account you linked to your PayPal account.
  • Charging the credit card you linked to your PayPal account.

Link a Credit Card to Your PayPal Account

Using a credit card may provide extra purchase protection, as your money should be protected by your credit card company as well as PayPal.
Go to PayPal and sign into your account.
Click on the "Add Credit Card" link.
Fill in the requested information.
Click "Add Card" at the bottom of the page.
Link a Checking Account to Your PayPal Account

Do not link your PayPal account to your primary checking account. If something goes wrong, you do not want to lose your rent money!

Gather your bank information, including your account and routing numbers.
Go to PayPal and sign into your account.
Click on the "Add Bank Account" link.
Fill in the requested information.
PayPal will make two small deposits to your bank account, approximately three days after you enter the information.
Check your bank statements for the deposits.
Return to your account page and click on the "Confirm Bank Account" link.
Enter the amount of the deposits to confirm the account.
Once you've linked an account to PayPal, you can click on the "Add Funds" tab whenever you'd like to add money to your PayPal account.
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Old 04-15-2012, 08:40 PM
Riley103 Riley103 is offline
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Thanks you for sharing
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