If you’ve ever done online shopping, you’ve probably seen Guide to PayPal appear as a suggested payment method. Online payment management is a simple, convenient solution that doesn’t require much extra work.
This beginner’s guide is for you if you have questions about what PayPal is, if it is secure to use and whether you should sign up as a user.
Describe PayPal
PayPal is an online payment service that enables customers to send, receive, and pay money. You can avoid entering your bank or credit card information each time you pay online by using PayPal.
Gains from a PayPal Account
Here are a few advantages of having a PayPal account.
- Securely send and receive money without disclosing your bank or credit card information.
- Send money to as many as 190 countries around the world.
- Pay conveniently and fast when you order online.
- Buy online at eBay and hundreds of other retailers around the world.
- Accept any payment method in a variety of currencies for affordable prices.
- Include PayPal on your eBay listings if you want to sell overseas.
- Protect your payments.
Observe: Depending on where you live, PayPal usage restrictions apply. With Indian accounts, for instance, payments will be sent daily to your bank account.
Transfer Charge
Joining is free; bank transfers and PayPal balances are free ways to transmit money within the US. However, the transaction charge for sending money using a credit or debit card is listed below:
There is a fee when employing a debit or credit card to send money as a personal payment. The cost is 2.9% plus $0.30 of the amount you send to the United States. For instance, the cost would be $3.20 ($2.90 + $0.30) if you sent $100 using a credit card.
In addition, there is a goods and services tax for receiving revenue from the sale of items:
PayPal is free to use when making purchases of products or services. But if you get paid for goods or services (such as from selling an item on eBay), a fee of 2.9% plus $0.30 of the amount you get applies to each transaction.
Payments with Prior Approval
Users can set up pre-approved payments to merchants, which is one of PayPal’s key features. You can then make automatic monthly subscriptions and recurring payment payments.
Pre-approved payments can sometimes be a concern because you risk paying more than you should. The video below demonstrates how to stop a PayPal pre-approval payment.
Provide details: Guide to PayPal
When creating a PayPal account, double-check your information. Moreover, you’ll need to create a password. Your account should be memorable and contain letters, numbers, and characters to prevent hacking or phishing. You can upgrade your account if you open a personal one and later decide you need to do business.
Quick facts about PayPal:
- PayPal is used by an estimated 173 million people globally.
- In 202 nations, PayPal is in use.
- There are 21 different currencies available for payment.
You can use PayPal online with your phone, tablet, or web browser.
Establishing a PayPal Account
A PayPal account can be created quickly and easily. Visit PayPal’s home page and take the actions listed below.
Methods for Opening a PayPal Account
For either a Personal or Business Account, click Get Started. Use a private account for yourself and a business account for your community.
Enter your phone number on the subsequent prompt page as a security measure. To confirm your phone number, enter the security code you were SMS with.
Join your full name, email address, and password. Choose Continue.
Enter your address and date of birth (users must be at least 18 years old). The User Agreement and Privacy Policy of PayPal must also be accepted. To create an account, check the box and click Agree.
PayPal should then send you an email requesting you to verify your email address. Check your spam folder if this isn’t in your inbox.
Confirm your Email
To finish creating your account, click the link. You will then reach the last step of setup, choose a funding source. When you make an online payment, PayPal will take its funds from your specific funding source.
You can add a bank account, debit card, or credit card. To configure your preferred financing source, follow the on-screen instructions. Remember that bank account payments typically take longer to clear; choose a payment card if possible.
How to Use PayPal for Online Payments
PayPal makes it easy to make payments online. You can choose PayPal as a payment method at the checkout for any online store or service that accepts PayPal, such as ASOS, eBay, and Uber, to name a few.
A PayPal button is frequently present when selecting a payment method on an online store. When checking out, click here to log into your PayPal account and make a payment.
When you use PayPal as your price plan, you can save money on your purchases because PayPal also has deals and discounts for a limited number of businesses.
Bank Accounts Related: Guide to PayPal
Look for the wallet symbol on the top bar to link a bank account. Following that, you will see a summary of your PayPal balance and any linked credit or debit cards. Click the “Link a Bank Account” button to get started.
To be sure you’re in the appropriate area, always look for the “secure lock” icon at the top-right corner of the page.
After entering the bank information, a confirmation regulation resolution is sent to the associated phone digit. There is never a deposit required because opening an account is free.
Verify all Data: Guide to PayPal
Various security measures are in place to ensure you are a legitimate user. The email address linked to the new account must then be verified.
Check your inbox for the PayPal confirmation email. Click “Confirm Email Address” to validate the information stored on your network. All that is necessary to set up and use PayPal is that.
PayPal may also require you to transmit a one-time passcode to confirm the information if you link a mobile number. Enter it to validate your cellphone data and enable notifications for quick transaction management.
How to Use the Website and App for PayPal
PayPal allows you to log in with either your registered email address or mobile number. After logging in to PayPal, you have a variety of choices. They consist of sending money, accessing your transaction history, and monitoring your account balance.
You can link your bank statements, debit cards, and credit cards to your PayPal account online to expedite online payments.
Also available for iOS and Android, the PayPal App makes it simple to use while on the go. As long as your phone supports it, the app uses fingerprint and facial security to add layers of security to your accounts.
The PayPal app is quite similar to the PayPal website in terms of functionality. You may examine your balance, transfer and receive money, and modify your profile and account settings.
Download PayPal for iOS and Android (Free)
Using eBay and PayPal
You should consider connecting your PayPal account to your eBay account if you use eBay. By doing this, you’ll be able to purchase products on eBay without having to repeatedly input your payment information at the checkout.
Connecting your PayPal statement to your eBay account is fairly simple. Go to My eBay and select PayPal Account. Click the Connect My PayPal option to finish the transaction and enter your account.
Are PayPal Payments Secure?
The seller or retailer does not obtain financial or private information about you when you use PayPal to send a payment (such as your bank or credit card details). This implies that all of your data is secure.
Also, PayPal offers its Buyer Protection program, which will assist you in requesting a complete refund if there is a problem with your purchase (such as an inaccurate item) through PayPal’s Resolution Center.
Refund Request Procedure
Within 180 days of your purchase, you must contact the vendor to request a refund.

You can file a complaint in the Resolution Center if a refund is not provided. The payment date must be at least 180 days away. To assist you in coming to a decision, PayPal will mediate a dialogue between you and the shop or seller.
But you can use the Resolution Center to advance your dispute to a refund claim if a settlement is impossible. Although we hope this never arises, it’s wise to be prepared.
Visit PayPal’s Resolution Center on your desktop to file a dispute. Select View next to it to escalate a disagreement, then select Escalate to PayPal.
Then you can write in any pertinent details concerning the issue. Click Submit once more to finish the disagreement.
It’s important to note that the Resolution Center cannot be accessed using the PayPal app; instead, you must sign in to your account on the PayPal website.
PayPal Facilitates Online Purchasing
Everyone can use PayPal because it is a user-friendly payment solution. Now that you know how to use PayPal fundamentally, you can start learning about its extra features, such as what PayPal Credit is.
However, you can always delete your PayPal account if you’re unhappy with the service.
Overview: Guide to PayPal
Sending money with PayPal is simple if the recipient has a PayPal account. To finish the transaction, click “send” and provide the seller’s email address. then enter the amount and click “send.” The response to the question “how do you utilise PayPal” is thus this.