Many people prefer to buy things online without leaving their home. This is an extremely convenient shopping experience, 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, because every year electronic payment portals and various services are becoming more and more popular among users living in Russia.
Healthy competition in the market has contributed to the emergence of convenient payment services that are constantly being improved and become more accessible every day. One of these systems is PayPal.
What is PayPal?
To date, PayPal is the largest payment system in the world. PayPal has been known in Russia for quite some time, however, the service began to be very popular only in 2013, when the Central Bank of Russia approved the issuance of this organization a license to carry out activities of non-profit organizations or, in other words, a non-bank credit organization. Such innovations only had a positive effect on users. Now, through PayPal in Russia, it has become possible to withdraw funds from the system account to an account with a bank of the Russian Federation. Previously, this was not possible, because Russian users did not use the advantages of the service too actively and made payments, transfers from PayPal accounts, paid bills, and so on.
What is now available to the average resident?
Now PayPal payment portal allows the following:
- Pay for purchases in stores, it does not matter whether they are Russian or foreign.
- Billing other users of the service.
- Replenish the account and withdraw earned or transferred funds to a card or bank account.
- Pay customer service 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, from highly specialized online stores to large sites. This is Ozon, Poster, Anywayanyday and others.
Why is the system popular?
A key feature of the system is the security of all payments. For example, if you make purchases for which delivery is required, then the money will only be credited to the seller’s account after the user confirms the delivery and receipt of the goods, not earlier. In addition, the buyer has six whole months to open a dispute if something went wrong or the goods were of poor quality. The process is controlled by the arbitration service. Due to such a careful attitude towards users, many choose a service and make payments in PayPal and only here.
Is it so easy to register in the system?
To get an account, you need to spend very little time. In the past, the procedure was extremely complicated and inconvenient, however, the administration of the system is constantly improving the service, and now it is even possible to register in PayPal in Russian. Now we will deal with this issue and consider in detail the process of billing.
What do you need to have to register in Russian?
Registration in PayPal in Russian is easy, but you will need to adhere to some rules. The system is one of the most secure in the whole world, therefore security requests are set here seriously. Prepare the following before registration:
- Work email address. You can use your email address, which is already there, if you remember how to access it, or you can create a completely new mail 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 the protection there is an order of magnitude higher. Which mail to use is up to you.
- Bank card with a positive balance. It doesn’t matter whether it is a credit card or a debit card. The most important thing is that there is an amount on it, which 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 in PayPal if you do not have a card? This, unfortunately, will not be possible, but also take into account the fact that not all cards are suitable for opening an account.
What cards are allowed by the system?
Before registering with PayPal, you should know in advance which bank cards the system will skip. It:
- MasterCard Standart or higher, it does not matter if a Russian bank issued a card or a foreign one.
- Visa Classic or more, the issuing bank can also be foreign or Russian, it does not play any role.
What cards are prohibited by the system?
If there is a list of cards that are allowed for registration, this means that there is a list of cards that are prohibited for issuing an account. It:
- Maestro Instant Release Card.
- Cards of the MIR payment system.
- PRO100.
- Virtual cards.
- Visa Electron.
Now you know that before registering with PayPal, you should study your cards and, if necessary, arrange the one that is suitable for the service.
Do not forget: after the registration in the system passes and your account is activated, you can change the information on the bank card, however, the linking procedure will need to be repeated.
What is worth knowing before registering yet?
Now you understand what PayPal is and how to use it (at least approximately), but now you will need to clarify some other important points before issuing an account:
- Each user is allowed to have only one account in the system. This is a consistent rule of the company. Yes, you can open another account, but only in the case of doing business, and this will also need to be proved.
- Before registering with PayPal, be aware that after activating an 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 decision of the administration. How to transfer money to PayPal in this case? All funds in this situation will be frozen for one hundred and eighty days, during which the proceedings will be conducted. Once half a year has passed, the money will be sent to you. Keep in mind that all the data for the transfer will be taken from the ones used in the account.
Now you understand what PayPal is and how to use it, so you can proceed to registration directly.
Getting started registering
Today PayPal service is available in 202 countries of the world, and registration is carried out in more than ten languages. We will consider the registration process in Russian.
Go to the PayPal website and make sure that it opens in Russian. If your portal is displayed in a different language, then make sure that the country is displayed correctly. How to do it? In the lower right corner there is a country icon that can be changed if necessary, just click on it.
If the entrance is from the territory of Russia, then the language of the site should be determined automatically. If you come from the territory of Ukraine, Kazakhstan, Belarus, Georgia, Armenia, the site will open in English, which is easily changed into 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 that offers to select one of the available account options for the user:
- Personal account. It is used for the standard procedure for registering a regular physical client, which wants to make purchases and payments on the Web.
- Corporate Account This account is intended for legal clients. It is necessary for receiving payments, billing for goods and services to customers. Choose the right option for you and then click on the "Continue" button.
Now a window opens where the country of residence is selected, the PayPal email and password are entered.
We choose the 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 require you to copy copies of your passport, which indicates the country of residence or the country with registration and the data must match, otherwise you will not be able to complete the registration.
How to open PayPal if you change your country of residence? The only way is to delete the account and create a new one, however, verification of your new account may take a year. Why so long? All due to differences in tariffs for 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 for entering the system.
- Password. Try to come up with a complex password that consists of at least eight characters. Never use a birth date 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 or TIN number is entered exactly as they are indicated in the documents.
There is a nuance - all the data will need to be entered in full accordance with your documents and nothing else. The administration may request copies of the passport, and if the data is different, then the account will simply be blocked, and the money in the account will be frozen.
- After filling out the form, check the box that you have agreed to the terms of the service and its privacy policy, then click on "Agree and create an account."
- Now you need to bind data from bank cards. Subsequently, the information is allowed to change. Keep in mind that the service fee for confirming the card is equal to two dollars, and after a short time PayPal will credit this amount to your wallet.
By the way, it’s possible to issue a PayPal account without linking a card, just click the “Skip” button, but then you can replenish your account only in cash and nothing else. That's all! You have an account in the system! To enjoy all the benefits of the service, go to the mail that was indicated during the registration process and confirm the e-mail.
Can the risks of verification and freezing be minimized?
You know how PayPal works and that user verification is carried out strictly, but if you wish, all risks can be minimized, you will need to do the following:
- Enter only current passport data. The administrator has the right to arrange verification of your account and request scans. If you were true, then there is nothing to fear.
- Do not change frequently tied card and account. Would you like not to get checked? Then change the card no more than once a year.
- Do not change the 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 ask you to transfer copies of documents to confirm that the account is still yours. Funds during the check will be frozen.
- Shopping for 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 accession of Crimea and Sevastopol to the Russian Federation. If the accounts from which the goods were paid are tied to the Crimea and delivery will be there, then they will automatically be blocked without the possibility of recovery.
- If you log into the system from the IP address of the Republic of Crimea and Sevastopol, then, again, you can be overtaken by blocking. Use anonymizer or just don’t sign in for a period of stay in Crimea or Sevastopol.
Now you know how PayPal works and you can consider common questions related to it.
FAQ
In the process of registration or use, 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 apply for a Sberbank Visa or MasterCard card.
- The dispute with the seller was resolved in my favor, but the money did not go 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 need 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 regain your account.
What should residents of the 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 registration from these territories is now prohibited. When registering, you will begin to enter data, and the account will block automatically, you will not have the possibility of recovery, all data is immediately blacklisted.
Is it possible to solve the problem? Yes, there are two ways out:
- To register and enter the system, use the anonymizer, however, you will need to register for a while at the place of residence in one of the regions of Russia.
- You can ask friends to create an account in your name, however, again, you will need to use anonymizer to log in.
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.