Many people prefer to buy things online from the comfort of their homes. This is extremely convenient shopping, because you can order things in a comfortable chair while drinking delicious tea or coffee. Many online stores have introduced the ability to pay online, as every year electronic payment portals and various services are becoming more and more popular among users living in Russia.
He althy competition in the market has contributed to the emergence of convenient payment services that are constantly improving and becoming more accessible every day. One such system is PayPal.
What is PayPal?
To date, PayPal is the largest payment system in the world. PayPal has been known in Russia for quite a long time, but the service began to enjoy great popularity only in 2013, when the Central Bank of Russia approved the issuance of a license for this organization to conduct the activities of an NPO or, in other words, a non-bank credit institution. Such innovations only had a positive impact on users. Now, through PayPal in Russia, it has become possible to withdraw funds from the system account to an account in a Russian bank. Previously, this was not possible, because Russian users did not actively use the benefits of the service and made payments, transfers, paid bills, and so on from PayPal accounts.
What is available to the average citizen now?
Now the PayPal payment portal allows the following:
- Pay for purchases in stores, whether they are Russian or foreign.
- Invoice other users of the service.
- Replenish your account and withdraw earned or transferred funds to a card or bank account.
- Pay customer bills.
- Receive and send money transfers.
In 2017, the service only strengthened its position in the Russian market. Now the PayPal payment system is used daily by thousands of partners, ranging from highly specialized online stores to large sites. These are Ozon, Afisha, Anywayanyday and others.
Why is the system popular?
The key feature of the system is the security of all payments. For example, if you make purchases that require delivery, then the money will be credited to the seller's account only after the user confirms the fact of delivery and receipt of the goods, not earlier. In addition, the buyer has six months to open a dispute if something went wrong or the product was of poor quality. The process is controlled by service arbitration. Due to such a careful attitude towards users, many choose the service and make payments inPayPal and only here.
Is it easy to register in the system?
It takes very little time to set up an account. In the past, the procedure was extremely complicated and inconvenient, but the administration of the system is constantly improving the service, and now it is even possible to register with PayPal in Russian. Now we will deal with this issue and consider in detail the process of registering an account.
What do you need to have to register in Russian?
It is not difficult to register in PayPal in Russian, but you will need to follow some rules. The system is one of the most secure in the world, therefore, serious security requests are made here. Prepare the following before registering:
- Work email address. You can use your existing email address if you remember how to access it, or you can create a completely new email address on one of the free services. This is mail.ru, Gmail.com or Yandex. Mail. Of course, the service will recommend that you use paid systems, arguing that there is an order of magnitude higher protection. Which mail to use is up to you.
- Bank card with a positive balance. It doesn't matter if it's a credit card or a debit card. The most important thing is that it contains an amount that is equivalent to two US dollars. This amount will be required to activate the account. This process will also be described, but below.
How to register with PayPal ifdon't have a card? This, unfortunately, will not be possible, but keep in mind that not all cards are suitable for opening an account.
Which cards are allowed by the system?
Before you register with PayPal, you should know in advance which bank cards the system will miss. This is:
- MasterCard Standard or higher, it doesn't matter if the Russian bank issued the card or the foreign one.
- Visa Classic or more, the issuing bank can also be foreign or Russian, it doesn't matter.
Which cards are banned by the system?
If there is a list of cards that are allowed for registration, then this means that there is a list of cards that are prohibited for issuing an account. This is:
- Instant Issue Maestro Card.
- Cards of MIR payment system.
- PRO100.
- Virtual cards.
- Visa Electron.
Now you know that before registering with PayPal, you should study your cards and, if necessary, issue one that is suitable for the service.
Do not forget: after registration in the system and activation of your account, you can change the information on the bank card, but you will need to go through the binding procedure again.
What you should know before registering yet?
Now you understand what PayPal is and how to use it (at least approximately), but now you need to clarify some more important points before opening an account:
- Each user is allowedhave only one account in the system. This is an unchanging rule of the company. Yes, you can open another account, but only if you are running a business, and you will also need to prove this.
- Before you register with PayPal, you should know that after activating your account it will be impossible to change the country. You can change the registration address, zip code, address, but the country of residence will remain unchanged.
- It happens that suspicious accounts in the system are blocked by the decision of the administration. How to transfer money to PayPal in this case? All funds in such a situation will be frozen for one hundred and eighty days, during which the proceedings will be conducted. As soon as six months have passed, the money will be sent to you. Please also note that all data for the transfer will be taken from those used in the account.
Now you understand what PayPal is and how to use it, so you can proceed directly to registration.
Start registration
Today, PayPal is available in 202 countries and registrations are available in more than ten languages. We will consider the registration process in Russian.
Go to the PayPal website and make sure it opens in Russian. If you have a portal in a different language, then make sure that the country is set correctly. How to do it? In the lower right corner there is a country icon that you can change if necessary, just click on it.
If the entrance is from the territory of Russia, then the language of the siteshould be determined automatically. If you enter from the territory of Ukraine, Kazakhstan, Belarus, Georgia, Armenia, then the site will open in English, which is easily changed to Russian manually. The choice of language in no way affects the registration, because the country of residence is indicated separately.
In the upper right corner, click the "Register" button.
Now a window opens in the system, which prompts you to select one of the account options available to the user:
- Personal account. It is used for the standard procedure for registering an ordinary physical client who wants to make purchases and payments on the Web.
- Corporate account. This account is for legal clients. It is necessary for accepting payments, invoicing for goods and services to customers. Choose the option you need and then click on the "Continue" button.
Now a window opens where you select your country of residence, enter your PayPal email and password.
Choose your country of residence. If you have a Russian passport and you are registered in one of the regions of the Russian Federation, then, accordingly, choose the country "Russia". Do not try to deceive the system, because the administration of the system will ask you for a copy of your passport, where the country of residence or the country with registration is indicated and the data must match, otherwise you will not be able to complete the registration.
And how to open PayPal if you change your country of residence? The only way is to delete your account and create a new one, however it can take a year for your new account to be verified. Why so long? All because of differencetariffs for service services in different countries.
- Enter the e-mail you need. You can enter an existing address or create a new one. Do not forget it, because the e-mail will be the login to log in.
- Password. Try to come up with a complex password that consists of at least eight characters. Never use your date of birth or phone number - it's not safe!
The next step is to enter personal data. The form is very simple, all data will need to be entered in Russian. In addition, the SNILS number or TIN is entered in exactly the same way as they are indicated in the documents.
There is a nuance - all data will need to be entered in full accordance with the documents you have and nothing else. The administration can request copies of the passport, and if the data is different, the account will simply be blocked, and the money in the account will be frozen.
- After you fill out the form, check the box that you agree to the terms of the service and its privacy policy, then click on "Agree and create an account".
- Now you will need to link data from bank cards. Subsequently, the information is allowed to change. Please note that the service fee for card confirmation is two dollars, and after a short period of time, PayPal will credit this amount to your wallet.
By the way, it is possible to open a PayPal account without linking a card, just press the "Skip" button, but then you can only replenish the account in cash and nothing else. That's all! Youthere is an account in the system! To enjoy all the benefits of the service, enter the email that was specified during the registration process and confirm the e-mail.
Can the risks of inspection and freezing be minimized?
You know how PayPal works and that user verification is rigorous, but if you wish, all risks can be minimized by doing the following:
- Enter only valid passport data. The administrator has the right to arrange a verification of your account and request scans. If you've been truthful, then there's nothing to fear.
- Do not frequently change your linked card and account. Would you like to not be tested? Then change the card no more than once a year.
- Don't change your ip address often. If you travel and often visit other countries and use accounts in the system, the administration may decide that the account was received by scammers and will ask you to transfer copies of documents to confirm that the account is still yours. Funds will be frozen during verification.
- Buying goods on eBay and shipping to Sevastopol and the Republic of Crimea. The situation is very delicate, because the United States does not recognize the annexation of Crimea and Sevastopol to the Russian Federation. If the accounts from which the goods were paid for are linked to Crimea and the delivery will be there, they will be automatically blocked without the possibility of recovery.
- If you enter the system from the ip-address of the Republic of Crimea and Sevastopol, then, again, you may be blocked. Use an anonymizer or simply do not log into your account for the period of your stay in Crimea or Sevastopol.
Now you know how PayPal works and you can review the FAQs related to it.
FAQ
During the registration or use process, customers may have some questions:
- The card is not suitable for binding and the service does not accept it, what should I do? The best way out is to issue a Sberbank Visa or MasterCard card.
- The dispute with the seller was decided in my favor, but the money was not credited to the account, what should I do? The term for crediting funds can be up to twenty days, and still depends on the bank itself.
- The account was blocked and they are required to send copies of documents, what should I do? The only way out is to send copies of documents, otherwise you will not be able to get your account back.
What should residents of Crimea and Sevastopol do?
How to transfer money to PayPal and use the service if you live in the Republic of Crimea and Sevastopol? Unfortunately, PayPal registrations from these territories are currently prohibited. When registering, you will begin to enter data, and the account will be blocked automatically, you will not have the opportunity to recover, all data is immediately blacklisted.
Can the problem be solved? Yes, there are two ways out:
- To register and log in, use the anonymizer, but you will need to temporarily register at the place of residence in one of the regions of Russia.
- You can ask your friends to create an account in your name, however, again, you will need to use an anonymizer to enter.
That's all you need to know before registering. All the information is enough to get an account in the system and use it so that you are considered a respectable client in the PayPal payment system.
