Paypal ist ein kostenloses Zahlungsmittel, das Ihnen eine sichere Bezahlung garantiert. Für die Zahlung loggen Sie sich bei Paypal ein und bestätigen die. Neben Zahlmethoden wie Rechnung, Lastschrift oder Vorkasse gibt es Drittanbieter, die sich zwischen Kunde und Händler schalten, zum Beispiel Paypal oder. PayPal [ˈpeɪˌpæl] (Audio-Datei / Hörbeispiel anhören) (engl., wörtlich Bezahlfreund, angelehnt an pen pal, Brieffreund) ist ein börsennotierter Betreiber eines.
Security ChallengeFür diese Seite sind keine Informationen verfügbar. Paypal ist ein kostenloses Zahlungsmittel, das Ihnen eine sichere Bezahlung garantiert. Für die Zahlung loggen Sie sich bei Paypal ein und bestätigen die. Wie funktioniert eigentlich Paypal? Und wie sicher Paypal? Ob der Online-Bezahldienst auf Ihr Konto zugreifen kann und wie Sie Paypal als.
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You'll need to enter the card number, expiration date, and security code. The name on the card must match the legal name you entered when creating your account.
Cards are linked instantly. All a person needs to send you money on PayPal is the e-mail account you used to open your account.
When the person sends you money, you'll be notified by an e-mail and then you can log into your account and transfer the money to a bank account if you have it connected to your PayPal account.
Not Helpful 25 Helpful In many cases it is safer to use PayPal rather than entering in your credit card directly, since each store you shop at is a potential risk and by using PayPal stores never see your actual credit card number.
Not Helpful 32 Helpful As of right now, the answer is no. There used to be an option for a PayPal Student account which could be opened with the help of an adult, but this has been discontinued.
This appears to be for legal reasons, since someone under 18 cannot legally enter into a contract. However, many banks allow minors to open accounts with the help of a parent or guardian.
Yes, PayPal should convert other currencies to the rate of the time you get it. It'll show up as dollars on your statement, however.
Not Helpful 16 Helpful Not Helpful Helpful Yes, you can link any kind of bank account to your PayPal account. Not Helpful 48 Helpful Yes, you can.
You won't be able to move funds from your bank account to your PayPal account, but you can load it with a debit card, credit card, PayPal gift card, or have other people send you money.
Not Helpful 92 Helpful There should be a withdraw button on your PayPal account page. You then need to select the bank account to send it to and the amount you want sent.
Not Helpful 79 Helpful Not Helpful 60 Helpful You can just for browsing; however, it will ask you for a payment method if you try to buy something.
It is safest to use PayPal. Not Helpful 8 Helpful Include your email address to get a message when this question is answered.
Related wikiHows. Co-authors: Updated: August 11, Categories: PayPal. Italiano: Creare un Profilo PayPal. Deutsch: Ein Paypal Konto einrichten.
Nederlands: Een PayPalaccount aanmaken. In fact, if you send money directly from a checking or savings account, there are never any fees involved.
The one exception would be if you pay for something by taking a cash advance from your credit card. While PayPal might not charge you for this service, your credit card provider probably will.
After you send money, the record of your transaction should appear on the Activity page at PayPal. If necessary, you can search that history for a specific time in the past.
If you click the "details" link for a transaction, you can view all the details, including the amount, date, recipient and a unique transaction ID used by PayPal to track your transaction.
If you ever dispute a transaction, customer service will use this transaction number when handling the dispute from both sides, sender and recipient.
If a website only accepts credit cards and not PayPal, you can still use funds in your PayPal account to make a purchase. To do this, you'll need to request a PayPal debit card which operates on the MasterCard network.
You can use that card number with any merchant who accepts MasterCard, and the funds will be deducted from the PayPal account.
In the next section, we'll see how both personal users and merchants can use PayPal to accept payments. If you want to use PayPal to receive money, you have a range of options available.
If you give someone the email address associated with your PayPal account, that person can send you money from their own PayPal account. If you're selling items on eBay, you can select PayPal as an option for accepting payment.
If you're selling from your own store or website, there are a number of options available for completing sales transactions with PayPal, including the following:.
When you're signed in to PayPal, click the "merchant services" tab to see all the options available to you as a seller.
Cost and availability of these services depend on which website payments type you've selected for your account. Merchants with a moderate to high volume of transactions each month should choose the pro type to avoid some of the fees commonly charged by other payment processing services, such as gateway and downgrade fees.
From the merchant services page, you can select the wizard tools to set up new "buy now" or "add to cart" buttons for your site. This generates code you can simply copy and paste into the HTML for your web pages.
When a buyer clicks one of these buttons, your site links to a shopping cart at PayPal's site to complete the transaction.
This takes the burden off you, as a seller, of managing how that online shopping cart and checkout should look and function.
For more extensive integration, including hosting a PayPal-powered shopping cart from your own site, you'll need to use the PayPal API.
If you're not savvy with computer programming or website development, this is a task you'll want to delegate to someone who is.
Once you're set up to receive money, the burden is on you as the recipient to cover the transaction costs.
PayPal charges its business and premier account holders a per-transaction cost of 30 cents, plus 2.
PayPal also charges fees for exchanging between the currencies it accepts in international transactions. All these fees help cover PayPal's customer support and other services reserved for business and premier customers.
The last option shown above is accepting offline and off-site payments. This means you've taken the buyer's name and credit card information outside of PayPal.
You can enter that information and process the transaction using PayPal's virtual terminal service. The per-transaction costs mentioned above still apply in addition to this fee [source: PayPal ].
As a recipient, you can remove money from your PayPal account by making a withdrawal. These are your options for making the withdrawal:.
So far, we've covered how to send and receive money with PayPal and how PayPal accounts work. On the next page, we'll take a closer look at the challenges PayPal has faced and the continued controversy over its business practices.
Anyone can use it. Create Your PayPal. Me Link. For you. Me page link with friends and family; splitting a bill, chipping in for a present, or reimbursing a friend has never been easier.
For your freelance activity. Whether you design websites or sell your creations online, invoices or awkward payment reminders are a thing of the past.
Age rating For all ages. Category Personal finance. This app can Access your Internet connection and act as a server.
Permissions info. Installation Get this app while signed in to your Microsoft account and install on up to ten Windows 10 devices.
The service also appealed to auction buyers because they could fund PayPal accounts using credit cards or bank account balances, without divulging credit card numbers to unknown sellers.
Until , PayPal's strategy was to earn interest on funds in PayPal accounts. However, most recipients of PayPal credits withdrew funds immediately.
To solve this problem, PayPal tailored its product to cater more to business accounts. Instead of relying on interests earned from deposited funds, PayPal started relying on earnings from service charges.
They offered seller protection to PayPal account holders, provided that they comply with reimbursement policies. After fine-tuning PayPal's business model and increasing its domestic and international penetration on eBay, PayPal started its off-eBay strategy.
This was based on developing stronger growth in active users by adding users across multiple platforms, despite the slowdown in on-eBay growth and low-single-digit user growth on the eBay site.
A late reorganization created a new business unit within PayPal—Merchant Services—to provide payment solutions to small and large e-commerce merchants outside the eBay auction community.
Starting in the second half of , PayPal Merchant Services unveiled several initiatives to enroll online merchants outside the eBay auction community, including: .
Different countries have different conditions: Send only Package Service allows sending only, valid in 97 countries , PayPal Zero package suggests the possibility of enrollment, entry, and withdrawal of funds in foreign currency, but the user can not hold the balance PayPal account, operates in 18 countries , SRW Send - Receive - Withdrawal the possibility of enrollment, input-output and the ability to keep your PayPal account balance in the currency and to transfer to the card when the user sees fit, operates in 41 countries and Local Currency SRW plus opportunity to conduct transactions in the local currency, 21 countries.
In January , PayPal ceased operations in Crimea in compliance with international sanctions against Russia and Crimea. PayPal has disabled sending and receiving personal payments in India, thus forcing all recipients to pay a transaction fee.
PayPal plans to make India an incubation center for the company's employee engagement policies. In , PayPal hired people for its offices in Chennai and Bengaluru.
On 8 November , PayPal launched domestic operations under PayPal Payments Private Limited and now provides digital payment solutions for merchants and customers in India.
PayPal is available in Israel  but is not available in the Palestinian territories. This discrepancy has prompted Palestinian tech companies to seek a policy change from PayPal.
In late March , new Japanese banking regulations forced PayPal Japan to suspend the ability of personal account holders registered in Japan from sending or receiving money between individuals and as a result are now subject to PayPal's business fees on all transactions.
In Pakistan , users can use Xoom , a money transfer service owned by PayPal. The government of Pakistan is trying to convince PayPal administration to launch its service in the country, but PayPal is not ready to introduce its services there.
Eight years after the company first started operating in the country, Paypal ceased operations in Turkey on 6 June when Turkish financial regulator BDDK denied it a payment license.
The regulators had demanded that PayPal's data centers be located inside Turkey to facilitate compliance with government and court orders to block content and to generate tax revenue.
PayPal said that the closure will affect tens of thousands of businesses and hundreds of thousands of consumers in Turkey.
PayPal Giving Fund is a registered charity supported by Paypal that streamlines donations to non-profit organizations.
PayPal launches different marketing activities in various channels and emphasizes that consumers can use it in different ways.
PayPal provides free analytics to traders about the ways that consumers utilize online payments. PayPal's code gathers the consumer information which can be installed on the trader's website.
Thiel, a founder of PayPal, has stated that PayPal is not a bank because it does not engage in fractional-reserve banking. In the United States, PayPal is licensed as a money transmitter , on a state-by-state basis.
Ordinarily, a credit card transaction, specifically the relationship between the issuing bank and the cardholder, is governed by the Truth in Lending Act TILA 15 U.
Basically, unless a PayPal transaction is funded with a credit card, the consumer has no recourse in the event of fraud by the seller.
In , PayPal Europe was granted a Luxembourg banking license, which, under European Union law, allows it to conduct banking business throughout the EU.
This ceased in , when the company moved to Luxembourg. In India, as of January , PayPal has no cross-border money transfer authorization.
In Australia, PayPal is licensed as an authorised deposit-taking institution ADI and is thus subject to Australian banking laws and regulations.
In Singapore, PayPal is the holder of a stored value facility that does not require the approval of the Monetary Authority of Singapore.
The PayPal Buyer Protection Policy states that the customer may file a buyer complaint if he or she did not receive an item or if the item he or she purchased was significantly not as described.
The customer can open a dispute within days from the date of payment and escalate it to a claim within 20 days from opening the dispute.
If the buyer used a credit card, he or she might get a refund via chargeback from his or her credit-card company. However, in the UK, where such a purchaser is entitled to specific statutory protections that the credit card company is a second party to the purchase and is therefore equally liable in law if the other party defaults or goes into liquidation under Section 75 Consumer Credit Act , the purchaser loses this legal protection if the card payment is processed via PayPal.
Also, the Financial Ombudsman Service position is that section 75 protection does not apply where PayPal or any eMoney service becomes involved in the credit card transaction.
This leaves consumers with no recourse to pursue their complaint with the Financial Ombudsman Service. They only have recourse with the courts.
This is a legal authority that section 75 protection does exist where one has paid on a credit card for a product, via an eMoney service.
In general, the Seller Protection Policy is intended to protect the seller from certain kinds of chargebacks or complaints if the seller meets certain conditions including proof of delivery to the buyer.
PayPal states the Seller Protection Policy is "designed to protect sellers against claims by buyers of unauthorized payments and against claims of non-receipt of any merchandise".
The policy includes a list of "Exclusions" which itself includes "Intangible goods", "Claims for receipt of goods 'not as described ' ", and "Total reversals over the annual limit".
In early , PayPal introduced an optional security key as an additional precaution against fraud. Account-holders enter their login ID and password as normal but are then prompted to enter a six-digit code provided by a credit card sized hardware security key or a text message sent to the account holder's mobile phone.
For convenience, users may append the code generated by the hardware key to their password in the login screen.
This way they are not prompted for it on another page. This method is required for some services, such as when using PayPal through the eBay application on iPhone.
This two-factor authentication is intended to make it difficult for an account to be compromised by a malicious third party without access to the physical security key, although it does not prevent the so-called Man in the Browser MITB attacks.
However, the user or malicious third party can alternatively authenticate by providing the credit card or bank account number listed on their account.
Thus the PayPal implementation does not offer the security of true two-factor authentication. As early as , PayPal had substantial problems with online fraud , especially international hackers who were hacking into PayPal accounts and transferring small amounts of money out of multiple accounts.
Standard solutions for merchant and banking fraud might use government criminal sanctions to pursue the fraudsters.
But with PayPal losing millions of dollars each month to fraud while experiencing difficulties with using the FBI to pursue cases of international fraud, PayPal developed a private solution: a "fraud monitoring system that used artificial intelligence to detect potentially fraudulent transactions.
Rather than treating the problem of fraud as a legal problem , the company treated it as a risk management one. In , , Spanish card holders had their funds frozen in an apparent fraud case involving a PayPal service provider, Younique Money, which was the de facto administrator of the cards.
As of March most funds had not been returned. In , PayPal voluntarily ceased serving as a payment intermediary between gambling websites and their online customers.
At the time of this cessation, it was the largest payment processor for online gambling transactions.
In , PayPal resumed accepting such transactions, but only in those countries where online gambling is legal, and only for sites which are properly licensed to operate in said jurisdictions.If you’re integrating for the first time, we recommend using PayPal Commerce Platform. This full-stack solution supports adding capabilities without needing to reintegrate. After you complete the signup process, you can begin configuring and managing your service(s) within the PayPal Manager, your online business and service management portal. Create your own stage-harual.com link and share it instantly with anyone: friends, customers, or partners. If you don't already have a PayPal account, signing up is fast and free. And you can start accepting money from anyone in an instant. PayPal is strongly associated with e-commerce and online banking, as it is one of the best ways to make secure payments on the internet. And while Visa, MasterCard, and American Express are the. Sign up for PayPal and make three purchases of £30 or more at select merchants by 31 December First k customers only. Terms apply. Our new PayPal app is a more simple and secure way to get.