PayPal – registration, login, change language, card binding, payments and transfers, withdrawal of funds

What is PayPal

PayPal (Paypal) is the most popular electronic payment and transfer system, which already has 179 million active users. The online auction eBay, as well as major global online stores, directly cooperate with PayPal, which encourages our compatriots to register in this system.

Ease and simplicity are the main advantages of the service, which are complemented by:

• the ability to convert currencies without leaving the system;
• no commissions for payments/goods (the commission is charged only to the recipient);
• free and adequate technical support, available by calling 8-800-333-2676;
• the ability to use PayPal in your online store;
• warranty obligations for the purchase of a quality product (when paying for a purchase, money is reserved for 45 days and can be returned to the sender, who proves the illegality of the transaction through the “Problem Resolution Center”);
• extremely low probability of encountering scammers (only 0.17%);
• increased demands on user safety;
• the ability to work with the main Russian currency - the ruble (from 09/2013);
• the ability to quickly withdraw funds to any bank account;
• the option to create and send a request for invoice payment;
• the ability to connect third-party exchange services for currency conversion;
• other features and functionality available in the PayPal user interface.

Note: The Resolution Center we mentioned above is available here:

https://www.paypal.com/ru/cgi-bin/webscr?cmd=_complaint-view

In this step-by-step instructions, we will perform all stages and actions in the updated PayPal shell, which is currently in effect by default. In the process of presentation, we only use the classic interface once to set up currency exchange options. To go to the classic service interface, use the link of the same name, located at the very bottom of the pages.

Payments and transfers

In order to transfer money to another person, pay for a service or product, you need to go to the “Money Transfers” section.

Having selected the desired subsection, the user makes a payment using the recipient’s email address or login in the payment system. Money is credited instantly. If the recipient is not registered with PayPal, a notification of funds received will be sent to him by email. After going through a simple registration procedure, he will be able to manage money.

In the “Money Transfers” section you can request funds to your account. To do this, select the appropriate subsection, indicate the email address or login of the counterparty, providing it with the necessary comment. The message will be sent along with a link to the sender's personal account.

PayPal accounts are opened in different currencies. Conversion of funds is carried out at the internal rate. One of the currencies is determined as the main one. It calculates the total values. If funds are received into a personal account in monetary units other than open personal accounts, they are converted at the exchange rate and credited to the account in the main currency.

Corporate clients can create invoices for goods and services uploaded to the payment service. You can receive funds by placing a link on your page or in an online store.

PayPal in Russian – registration – step by step

1. Go to the official Russian-language page of the PayPal service using the link:

https://www.paypal.com/ru/

IMPORTANT : we are describing the Russian version of PayPal. BUT the choice of Russian language through options is not available in all regions. For example, residents of Kazakhstan are offered only English, French, and Spanish. This is why you need to use the direct link https://www.paypal.com/ru/

Select the link, copy and paste it into the address bar of your browser, go to the PayPal (RU) website. If you can’t switch to Russian, follow the screenshots - everything is clear here. Or use an online translator for web pages (add-on/plugin for your browser).

2. Click the “Register” button (in the center of the page or in the upper corner).

3. In the next step, we are asked to select the account type. 2 options available:

— “Personal account” (for personal use, for transfers and receiving payments, for making purchases on the Internet - this is what we will register further); — “Corporate account” (for companies, online stores, organizations, individual entrepreneurs, conducting online commercial activities).

Select the “Personal Account” item and click the “Continue” button.

4. In the registration form that opens, we need to:

— select your country of residence; — specify your email address (which will become your Login for subsequent login to PayPal); — come up with and duplicate a complex password (we recommend remembering the password or writing it down so that there are no problems with authorization in the future).

After filling out these fields, click “Continue”.

5. The next step will require special care and accuracy, since the entered data must correspond to reality without error. We strongly recommend filling out all fields of the registration form (including phone number, passport details) with real data and not fictitious data.

The PayPal system is extremely demanding in terms of security, and if the slightest controversial issue arises, a profile with fake data can be blocked. Accordingly, all funds on deposit will also be inaccessible.

In addition, the accuracy of the information entered will allow you to restore access to your PayPal wallets in case of problems with authorization or when your account is blocked. Using real data will probably save you a lot of trouble in the future, saving you time, money and nerves.

Note: all text fields must be filled in Cyrillic (for Russia). The appearance of the PayPal registration form may vary depending on your region of residence. In addition, the empty fields of the form already contain all the necessary tips that will help you fill out the form correctly.

After filling out the fields:

— check the box/tick and agree to the “Registration Regulations”, “Privacy Policy”; - Click the “Agree and create an account” button.

IMPORTANT : if you suddenly have difficulties adding a postal code or city (the system often sees inconsistencies and slows down when working with CIS countries), you can call the toll-free number 8-800-333-2676 and resolve problematic issues.

Note No. 1: for countries of the former Union (except Russia), the form can be filled out not in Cyrillic, but in Latin - this nuance is of great importance.

Note No. 2: when entering a captcha (verification numbers and letters from the picture), you should pay attention to the case of characters. Uppercase and lowercase letters are two different things!

6. After entering your personal data, PayPal will prompt you to immediately link your bank card. This step does not raise questions and requires filling out only 3 fields:

- Bankcard number; - card expiry date; - CSC code (Card Security Code or CVV), which is located on the back of the plastic card (the last 3 digits located near the magnetic stripe).

You don’t have to link a bank card here, but skip this step. Moreover, we will consider this operation in detail later, we will perform the procedure from your PayPal personal account.

In any case, the PayPal registration process can already be considered completed. From this moment on, we will be able to gain access to our personal account, where we will set up our profile and get acquainted with the main functions of the payment service. We enter the PayPal office...

Creating a personal account

1. Go to the PayPal registration page using this link: – www.paypal.com/ru/webapps/mpp/account-selection

2. Select “Personal Account”, then click on the “Continue” button. You will be automatically redirected to the next page.

3. Fill all necessary fields. Enter the data carefully and write it down somewhere. If you forget your password or get hacked, you can use this data to regain access to PayPal.
4. In the first menu item, select your country of residence. In our case, Russia.
5. Next, you need to enter your email address. It will be better if it ends with COM rather than RU. So take your mail from the gmail.com mail service
6. Come up with a complex password that will consist of at least eight characters and will contain Latin letters of both cases (capital and small) and numbers. If you have problems remembering information or are afraid of forgetting your password, you can write it on a piece of paper and put it somewhere.
7. Repeat password.

8. Finally, click “Continue”.

Next, you will have to provide your real, personal data. Indicate only your real data, because... this may be required in the future to complete transactions.

• Select your nationality.
• Enter your full first, last and patronymic names in Cyrillic.
• Write your date of birth.
• Enter your passport number and series. There is nothing to fear here - all payment services request similar information to confirm your identity.
• Enter your mailing address.
• Enter your zip code - the system should automatically suggest your zip code city.
• Enter the region in which you live.
• In the last paragraph, write your mobile phone number.
• Read the user agreement, then check the box next to the user agreement, and then click on the “Confirm and open an account” button. If at least one field was filled in incorrectly, the system will indicate your error. You will not be able to continue registering until you correct it.

• At this stage, you need to enter your card number, expiration date and the three-digit code that is located on the back of the card. Again, there is nothing to fear here - all payment systems will require your data sooner or later. Here, for example, they need to be entered immediately upon registration.
• After filling in all the required fields, click on the “Add card” button. It must be remembered that the card must be valid, that is, it must not be blocked.
• After successful registration, a registration confirmation email will be sent to your email address.

If you want to take full advantage of all the possible functions of the service, then you may need to upload scans of your documents: to do this, go to the “Check your account limits” section, and then click on the “Increase limits” button. However, if the system does not ask you to provide documents, you may not upload them.

PayPal (Paypal) – login

1. To enter your PayPay system personal account, we will go to the main page of the payment service and click the “Login” button (or “Log In” if the interface is in English):

Note: you can go to the PayPal main page in one click from any internal page of the system. To do this, just click on the “PAYPAL” logo, which is located in the upper left corner of the screen.

To authenticate, you must enter your E-mail and password specified during registration.

2. In the PayPal user’s personal account, we can see the degree of completion of our profile, which is measured as a percentage. The more complete our profile is, the safer and more reliable the work in the system, the higher the daily and monthly limits of financial transactions. That is why it is advisable to fill out your profile 100%.

Since we just created a new account and have not yet confirmed our email address or linked a bank card, our profile is only a few percent complete (about 30%). This can be clearly seen in the screenshot above.

System settings

All system settings are made in your personal account. You can access them by clicking on the “gear” icon.

In total, the system offers four customizable parameters:

• How to register with PayPal if you are not 18

• account management;
• security settings;
• payments;
• receiving notifications.

The main step is to link a bank card, as an important tool for further work in the service.

Linking a card to an account

Initially, the offer to link a bank plastic card is available to the user during account registration. But if you don’t want to do this right away, you can skip the step and return to it later, already in your personal account.

The card binding scheme has the following algorithm:

1. Go to the “Account” section in your personal account.
2. Selecting the “Add card” field.
3. Entering details (payment system, number, expiration date and verification code).
4. After saving the entered data, the system will block 60 rubles on the account, which will be returned after confirmation of the “plastic”.
5. An SMS will be sent to the user's phone containing a confirmation code that will need to be entered to complete the binding.

The linked card can be edited in the future or deleted completely if circumstances change.

PayPal (Paypal) - change language settings

Our step-by-step instructions can be used right now not only by residents of Russia, but also by residents of the former CIS countries (Ukraine, Belarus, etc.). In the latter case, the user will have to fill out the profile data in Latin letters, and after logging into the personal account, all language settings will be set to “English” (i.e. English language).

To switch language settings in your personal profile, you need to follow a few simple steps:

1. Log in to your personal account in the English version and click the “MyPayPal” button (where the “Log In” button used to be). 2. Go to the profile settings (gear icon located in the upper right corner next to the “Log out” button). 3. In the “Language” settings field, select the language - “Russian (Russia)”. 4. The system will warn you that in order for the settings to take effect, we need to exit our account and log back in. After re-authorization, the language will be changed to Russian. Changing the language will significantly simplify further work with the service.

How to fill out the form correctly?

To create a PayPal account, you must fill out the form correctly and enter all the details. Passport data for residents of Russia is allowed to be entered in Russian, but it is better to do it in Latin, since you will have to interact with foreign sellers or buyers. Residents of Belarus, Ukraine, and the Baltic states enter their full name and address exclusively in Latin letters.

REFERENCE

If the user does not know how to write a last name, first name or address in Latin letters, then it is necessary to use special transliteration services.

How to correctly enter your phone number in PayPal?

The mobile number is indicated in international format. After selecting a country, its beginning will be automatically displayed: +7..., +38... and so on.

PayPal (Paypal) – confirmation of email address (E-mail)

Confirming your email account is an important procedure that may be useful for receiving PayPal notifications, restoring access (if you forgot your password), removing the block (if your account is blocked), and increasing transaction limits. So, let's confirm your email.

1. While in your PayPal account, click on the “Verify email address” function.

2. Next, make sure that we have indicated the correct E-mail and click the “Send message by e-mail” button.

3. On the screen we see “Message sent to email address.” We open our own mailbox and find an incoming unread letter in it.

The sender is “”, the subject is “Activate your PayPal account.”

4. In the received letter we find the link “Click to activate your account” and click on it.

Further, some nuances of the development of events are possible. For example, the system may ask you to specify a couple of questions that will be required to restore access to the system, or it may not do this. If they don’t offer us anything like that, we just continue working with PayPal.

Note: You can change security questions and passwords later through your personal profile settings. To do this, you need to switch to the classic interface, go to the “Personal Information” menu item, click “Change” next to the “Password, Security Questions” item:

https://www.paypal.com/webapps/customerprofile/summary.view

4. Once again, after authorization in PayPal, we find ourselves in our personal account and see that the percentage of our profile has increased. Mail linked successfully!

Card verification

Now, to fully work with PayPal, you need to verify your payment card. This is an additional security measure that will confirm that you are the owner of the card you are using. By going through this procedure, you will also raise the limits (trade limits) of your PayPal account.

The card verification process is quite simple. Its essence is as follows: $1.95 is withdrawn from your card (this money is subsequently returned either to the card or to the balance), then in the statement of card transactions, in the details of this payment, you find a 4-digit code (payment payment details will look like approximately like this: “1234PayPal – *EXPUSE” (options are possible), the first 4 digits are your code), which must be entered on the PayPal website. You can find out this code through online banking, calling the bank's support service, or by receiving a statement of card transactions. This issue is covered in more detail in the article: PayPal. Account verification.

According to reviews from many users: it is advisable to verify the card immediately after registering an account, because Before the card is verified, there are quite strict limits on the amount of one-time payment sent. Card verification, as a rule, does not cause any particular difficulties for anyone.

PayPal (Paypal) – linking a bank card

1. If we have not yet linked a bank card at the registration stage, we will do this from the system’s personal account. For this purpose, click on the “Link card” / “Add card” option and begin the binding, which we have already partially discussed above.

2. Everything is simple here - indicate the details of your card that we will add, click “Save”. The only condition is that there should be approximately 60-65 rubles on our card or the equivalent of 1 or 1.5 dollars in another currency (for example, 48-50 Ukrainian hryvnia). When confirming the card (verification), the above amount will be:

— first transferred to PayPal and debited from the card; - then returned back to our card.

3. To confirm your bank card, click on the appropriate link that will appear after linking. Click “Confirm...” and then “Continue”.

4. In this step, we need to check our profile of the online bank in which the card works (through the online banking service). In your account statements and card history, we will find a message with a confirmation confirmation code.

An example message is “Payment system PayPal 3544 CODE”, where the combination 3544 is our verification code for adding a card.

Sometimes such a message comes via SMS. If our phone is linked to online banking and linked to the card via SMS information, the confirmation code should be looked for in incoming SMS messages. The verification code is 4 digits.

5. Enter the code into the empty field of the card confirmation form and click “Confirm”.

Note: If we now go back to the main profile page, we will see that the completion rate for the PayPal member's personal profile has become even higher. Consequently, our limit on daily or monthly transactions increases. By the way, you can familiarize yourself with these restrictions through your personal account by following the link:

https://www.paypal.com/ru/cgi-bin/webscr?cmd=_show-limits&req_from=view_limits

Personal details of the PayPal account owner

• Filling out a form with personal data is not difficult. The user must indicate:
• FULL NAME;
• Date of birth;
• Passport ID;
• Residence address with postal code;
• Phone number.

For citizens of the Russian Federation, a mandatory condition is to provide information about a second identification document, this can be an INN or SNILS number.

PayPal form

Your personal data must be indicated as written in the documents. It is better to indicate the address that the user can confirm with documentation, for example, with a registration in the passport, a rental agreement or a receipt for payment of utilities. The specified address does not affect the place of delivery of goods purchased online, but if disputes arise with the seller, the PayPal payment system enters into a dispute if the delivery address matches the data specified by the user in the PayPal system.

PayPal (Paypal) – sending a payment or transfer

The ease and convenience of the PayPal electronic payment system lies in the fact that to make a transfer we only need to know the recipient's email address. We do not require anything else for transfer or payment.

If the recipient does not yet have his own wallet in the PayPal system, he will still receive our virtual money credited to the deposit assigned to the E-mail address. Simply put, the money will still be transferred, and the recipient will only have to register in the system using his own E-mail.

After authorization, a person will be able to freely manage the received amount in the PayPal interface.

1. To send a transfer, we need to go to the “Sending Payments” menu in your personal account and enter the E-mail address of the payment recipient.

2. After clicking the “Next” button we will have to:

— indicate the amount of payment or transfer; — select the currency we are interested in; — enter some comment on the payment (you can do it without comments); — select your delivery address, or set the “no address required” option, or enter a new address.

3. The procedure is completed by clicking the “Continue” button, followed by the process of payment and confirmation of the transfer. Everything is elementary, and the reader does not need additional instructions here.

Principle of operation

The main operating principle of the system is the maximum level of security of operations and protection of user interests. Each user account in the system is protected from unauthorized access. After entering plastic card data, the information is never displayed on the screen.

PayPal takes a responsible approach to verifying sellers to minimize customer risks.

Important! Registration on the site is free, with the exception of a test payment, which is subsequently returned to the user.

Security control in the system is implemented using 2 developments:

• "Seller Protection Program" It was developed to protect sellers of goods from fraudulent actions of unscrupulous buyers.
• "Buyer Protection Program" Works and protects the interests of the client in the event that the product was not delivered or does not meet the characteristics stated by the seller.

PayPal (Paypal) – payment for goods in an online store

If all the previous steps of this instruction are completed in full and without errors, then paying for goods in the online store will not cause any difficulties. The only thing we need after specifying the delivery address and selecting the product/service is:

1. In the payment methods of a specific online store or eBay online auction, select the PayPal service (sometimes this may be a specific button with the payment service logo):

2. The next step will require you to log in to PayPal. For example, the PayPal authorization form on the eBay website looks like this:

3. Next, you should select the card from which the funds will be debited, check all entered delivery data again, save and confirm the operation.

3. After confirmation of payment, the requested amount of money will be transferred to the payee's account minus our losses on currency conversion (exchange). If payment was made in rubles, we lose nothing.

Possibilities

PayPal account features:

• The most important thing for most users is the ability to make purchases online in most online stores that use this payment solution and pay for them using a bank card or account linked to your account. It does not matter what currency the card is in, since a conversion operation will be performed. The commission is paid by the seller himself,
• For those who run a business, connect accepting payments from clients to your website,
• Make money transfers to any person, knowing only his email address.

By paying for purchases using a Paypal account, you don't have to worry about the safety of your personal and financial data. Bank card details will never be known to the payment recipient, since the service does not send them. This allows you to pay for goods on a variety of sites, of which there are thousands, and not worry that your data will be stolen by scammers. In a word, PayPal means high reliability and customer protection.

If you do not receive the goods or their quality is poor, you can open a dispute within 180 days and then file a claim with the seller. Within 20 days, the system will make its decision on it.

If you see the company's logo on the website of an online store (usually located at the bottom), it means they accept them and you can pay for purchases. You will need to enter your email address and account password.

How to connect a third-party exchange service to PayPal

Since the internal currency converter in the PayPal system may not offer us the best exchange rates, we can correct the situation manually. For this purpose, currency conversion is configured in a third-party service to which the PayPal profile is connected.

1. Go to the “Account” page and switch to the “Classic interface”, as shown in the screenshot:

2. Select the item “My funds” - “My pre-approved payments” - “Update”:

3. On this page, opposite each added bank card (where you select the payment method), we will see the “Conversion Options” function, and you need to go to it.

4. In the settings, you just need to change the position of the checkbox from the top item (“exchange currencies within PayPal”) to the bottom item (“please issue me invoices in the currency specified in the seller’s invoice”).

Thus, we will receive invoices directly in the currency that operates within the online store or online auction, and we will be able to make a preliminary exchange of funds with third-party currency exchange services.

One of these exchange services, for example, is a specialized tool for exchanging WebMoney for PayPal, which works with different currencies and in different directions. Readers can get acquainted with this exchange system using the link:

https://paypal.exchanger.ru/

At the same time, we do not insist on the mandatory connection of third-party exchange services, since you can not only win but also lose at exchange rates. There is always a risk that the exchange rate within the PayPal system will be better and more profitable than on third-party resources, and during the exchange we will partially lose our money.

Using this exchange service, residents of the former CIS countries can also withdraw money from PayPal.

System Setup

Anyone who decides to create a Paypal wallet and register an account should take into account that this system functions effectively “by default” and in the vast majority of cases does not require user intervention. As a rule, additional settings will be required when changing the interface language, as well as for currency conversion. For these purposes you will need:

1. Use the gear icon in the upper right corner of the screen.

2. Go to the "Payments" section.

3. Use the Manage Pre-Approved Payments feature.

This section of the site provides the ability to set up fixed money transfers to specific sellers and service providers.

After all the listed manipulations related to registering an account in the system and opening an account have been completed, the user can proceed directly to operating the payment service by logging into his account.

How to withdraw money from PayPal in Russia

The algorithm for withdrawing funds to the account of any Russian bank is quite simple. All those users who are not satisfied with the withdrawal of PayPal money through the WebMoney system and the exchange service described above must do the following:

1. Switch from your personal account to the “Account” tab. 2. Click on the “Withdraw funds” link. 3. Fill out the form for adding a bank account (here we indicate the type of account and bank details - BIC, account number, INN). 4. Click “Continue”. 5. We launch the bank account verification procedure, which is described in detail in the recommendations and instructions of the PayPal system. 6. We wait until 2 transfers from the service arrive to the account (amount - from 0.1 to 0.99 rubles). 7. Enter data on the amounts of received transfers on the “Withdraw funds” page. 8. Confirm the bank account. 9. We freely withdraw money from the PayPal system according to the limits and restrictions that apply to our level of identification.

Refill

The service offers several options for replenishing your account.

In cash through Svyaznoy and Euroset stores

To deposit funds through communication shops, you must come to the store and tell the employee your email address, which is used to identify the user in the system.

• How to register with PayPal without a passport - restrictions and limits

Enrollment times can be up to three days. After the money is credited to the account, the user receives a notification by email.

Cash replenishment has a number of conditions:

• the maximum one-time deposit amount is 15 thousand rubles;
• monthly limit – 40 thousand rubles for one wallet;
• In this case, no commission is charged.

Via Qiwi terminals

Another popular way to top up is to use the ability to “transfer” funds from a Qiwi virtual card to a PayPal account. This will require pre-registration on the Qiwi service and establishment of a virtual card. Next you need to link the accounts to each other.

To replenish your PayPal wallet, you will first need to deposit funds onto your Qiwi card through the terminal.

You can clearly see how to top up your account via Qiwi in a video from Banderas TV

Through exchanges

Since the service does not provide comprehensive instructions on how to top up an account, users themselves look for workarounds for depositing money into PayPal. One of them is the use of exchangers (Instex, ExchangeX, My-Exchange).

These services offer the user services for replenishing a personal account, but since the main currency of the service is dollars, all calculations are carried out only in dollars. This results in high commission fees, which does not make the method popular.

Since the payment service is quite young for Russia, it does not provide the opportunity to top up an account through the Internet banking system that is familiar to many. But the presence of a linked card, which can be used to perform work, allows you to “de jure” replenish your PayPal account by replenishing your card account.

Results of step-by-step instructions on the PayPal service and functionality

To summarize, let's list all the operations that we learned. At the moment we have figured out:

— how to register with PayPal; — how to log into your PayPal account; — how to withdraw money in the CIS countries and Russia; — how to confirm your email; — how to link a bank card to PayPal; — how to pay for goods on eBay via PayPal; — how to change your profile language settings; — how to send a money transfer; — how to connect a third-party exchanger to your PayPal profile.

Now the reader can independently use PayPal tools and our step-by-step instructions to make purchases around the world where this payment system operates. This means our task is completed!

Helpful information

1. If you live in one of the CIS countries (except for the Russian Federation and the Baltic countries), then after registering with PayPal your balance will be zero. Don't worry - there's nothing wrong with that, that's how it should be. Funds will be withdrawn from your bank card as needed. When returning, the funds are returned directly to the card.
2. Residents of the Russian Federation and the Baltic countries are allowed to accept payments. The funds withdrawn from the card during registration and verification will be immediately credited to their account balance. In order to send a payment, they do not need to replenish the balance - funds can be withdrawn both from the account and directly from the payment card. For example, if there is a certain amount on your balance, but you need to pay more, then the missing funds will be charged from the card.
3. In Ukraine and Kazakhstan, you cannot accept payments via PayPal, as well as withdraw funds from PayPal to a bank account.
4. After linking the card, no matter what currency it is in, be sure to immediately change the conversion center, setting the default center not to Paypal, but to your bank. Otherwise, there will be extra expenses.
5. Don't experiment with PayPal by introducing other people's cards, different bank accounts, etc. Don't draw attention to yourself. Otherwise, you risk being audited.
6. Do not give your PayPal account login and password to third parties. Do not participate in dubious transactions or accept dubious offers where you are asked to pay for something, promising huge commissions.
7. If you log into your PayPal account from different countries (calculated by IP address) or there are simply a large number of logins from different computers, it is possible that the security service may suspect that unauthorized persons have accessed your account. Such an account risks being blocked, and you may be asked to send copies of documents.
8. Very often, scammers send fake emails online that look like real letters from ebay, PayPal, City Bank, etc. These letters vary in content, but ultimately require one thing from the user: follow the link in the letter and enter your login and password. As you probably guessed, this whole scheme is designed to trick you into giving you your username and password. By following the link, you will be taken to a fake website (usually just a couple of pages) of the company on behalf of which the letter was sent, where you are asked to log in. If you fall for this scam and provide personal information to scammers, you can get into serious trouble. There is only one way out: do not believe everything that comes to you by e-mail, no matter how plausible it may look. Check links carefully. Enter your username and password only on the authorization page, which you reached by typing the address yourself, or using a link from your browser bookmarks. And remember: if we are talking about a real payment system, then it will never require your login and password by e-mail. If you receive such a letter, it means that it was sent by scammers.
9. Do not use “instant” (or prepaid/gift) payment cards that can be purchased online. Such cards, as a rule, do not have the owner’s first and last name (any name can be specified), as well as a plastic carrier - they simply send you a number and expiration date. The cost of using such a card in PayPal can be high - your account will be blocked once and for all. Remember: only a bank can issue a credit (or debit) card after carefully checking your personal data.
10. When returning funds (full refund through “Dispute” or partial refund), the money does not appear on the card immediately. Usually your bank (and the timing depends only on it) keeps them in a “frozen” state for another 3-20 days.

PayPal personal account functionality

The main toolkit of the PayPal account is the user’s personal account. You can log into your PayPal account for both private (physical) and business (legal) purposes.

PayPal personal account functionality:

• payment for purchases and services;
• profile editing, automatic payments;
• transfer funds to any account in the world;
• transaction history to control personal funds;
• transferring money from an account to a card.

To work with payments, you need to link a card or bank account. Transactions are carried out without entering personal information and payment details - just the email address or user login is enough.

How to minimize the risk of account verification and freezing?

The main way to protect yourself from system sanctions is to report truthful information. For various reasons, the PayPal administrator may request scans of supporting documents, and if they refute the previously entered information, the account will be blocked.

Possible reasons for checking:

1. Unexplained activity. It can manifest itself in frequent changes in bank card details. The system may suspect some fraudulent schemes. It is recommended to change the card linked to your PayPal account no more than once a year.
2. Physical movements, detected by the system by frequent changes of IP addresses, also raise suspicions: whether a group of fraudsters has taken possession of the data. If such concerns arise, the PayPal administration may well ask the account owner to provide data proving that it is he. And during the verification period, limit the ability to use the account.
3. If the account is used for purchase and sale transactions, it may be blocked if dishonesty of the seller or buyer is suspected. The system administration advises you to wait a while, since the goods may be delayed in transit due to problems with delivery services. And only with a sufficient degree of confidence proceed to claim actions.

Crimea problem

The United States does not recognize this territory as Russian. Since PayPal is an American system, it is forced to support the position of its government - otherwise sanctions against the system itself are inevitable. Therefore, a person living in Crimea cannot open a PayPal account legally. You will need to use workarounds: using an anonymizer, logging in via VPN or Tor. However, you will still have to register temporarily outside the peninsula, since PayPal verifies the registration data. In addition, PayPal blocks not only residents of Crimea, but also those who purchase goods through the system with delivery to the peninsula.