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PayPal Account 101: The Ultimate Useful Guide for Beginners

PayPal Account

If you are new to internet shopping, signing up with PayPal might be a good idea. PayPal is the leading online payment system, serving over 153 million users and 190 markets worldwide.

PayPal also offers 100% user protection from fraud or unauthorized payments, so you can rest assured that your funds are safe. In this step-by-step guide, I’ll show you how to sign up for and set up a PayPal account.

With a PayPal account, you can shop from many different suppliers without giving each of them your payment information separately, significantly reducing the chance of encountering fraudulent companies.

We wrote this article to explain why you should sign up for a PayPal business account and conduct business under that account instead if you use PayPal to conduct business under your personal account.

And if you’re not sure how to open a PayPal business account or PayPal personal account, we’ll show you how.

How To Get a PayPal Account?

PayPal is an e-commerce store that enables payments and money transfers over the Internet. PayPal serves as an electronic alternative to traditional paper methods like checks and money orders.

PayPal processes payments for online retailers, auction sites, and other commercial users for which it charges a fee. PayPal credit is one of the most widely recognized payment methods in the world.

There are over 170 million members using the system. They have built a trust factor through eBay and themselves over the years by being cautious and many say they are overprotective of their responsibilities.

PayPal Account
PayPal Account 101: The Ultimate Useful Guide for Beginners

PayPal currently operates in 190 different markets and currently manages over 170 million accounts. PayPal allows customers to send, receive and hold funds in 18 currencies worldwide.

You can use it to receive payments from customers, websites, and other affiliate programs. It is a very secure payment method as the recipient of the payment is paid through PayPal and PayPal then charges your account. There is a processing fee per transaction, but that’s the price you pay for security.

PayPal Credit Card For Business

If you do business online, you should get a PayPal debit/credit card so you can make your purchases offline as well as online.

It can also be used to withdraw money at any ATM. PayPal allows you to connect to your checking account or link to an existing credit card.

You can rest assured that PayPal is a secure method of receiving and sending online payments. There are other online payment systems, but PayPal is one of the original and very easy to use. You can also sign up for your MasterCard registered credit card.

Many people don’t buy items if they can’t use their PayPal account. There are no start-up costs; You’ll need a bank account for some verification deposits into your account, otherwise, it’s pretty easy.

Steps To Opening a PayPal Account

If you are planning to set up an e-commerce website to sell products online, you need the ability to securely accept credit card payments through your website.

To do this, you need a payment gateway, a merchant account, and an SSL certificate to protect your customers’ credit card details from cyber theft.

Setting up a traditional merchant account can be time-consuming and costly, so many new businesses choose to open a PayPal account instead.

PayPal handles the payment gateway and merchant account functions and handles the secure data transfers necessary to protect your customers’ credit card information.

If you’re not an internet entrepreneur and just want an easy way to send money to friends and family online, then PayPal is great for that too.

Setting up a business or personal PayPal account is a quick and easy process.

Here’s What To Do:

  • Go to PayPal’s website and click the “Login” button.
  • On the next screen, you need to choose what type of account you want to set up: Personal, Premier, or Business.
  • If you choose Personal or Premier, you’ll need to enter your contact information and agree to PayPal’s User Agreement and Privacy Policy. Once your account is set up, you’ll need to link your bank account, debit, or credit card to start sending money, although you can start receiving money right away. If you choose to link your bank account, PayPal will make two small deposits into your account and require you to log in again and enter these numbers to verify that you are the bank account owner.
  • If you decide to set up a business account, you need to take an extra step to choose your payment solution. PayPal gives you several options for payment solutions to choose from. If you are unsure, select the “I don’t know” option and PayPal will ask you a few questions to recommend the best PayPal payment solution.
  • Once your PayPal business account is set up and you have verified your bank account, you can start selling online or alternatively receive online donations. If you intend to accept charitable donations as a 5013c nonprofit account, you must provide additional proof of your identity or your account will be subject to restrictions.

How To Set Up PayPal Correctly?

When you set up your PayPal account, you must create a custom payment page, which will become your primary payment page.

This is the page that all your customers see when they buy one of your products. When setting up your custom PayPal payment page, you can add a logo and header. This makes your PayPal transaction page look very similar to your website.

Now when a customer starts the checkout process, they’re brought to a PayPal page that has the look and feel of your website! This keeps your customers happy and safe knowing they are in the right place.

PayPal Payment Processing

PayPal is becoming more and more popular and there are very few people who are unaware of such services.

All those people who are freelance or who conduct transactions online are aware of the PayPal services that are offered.

These PayPal web services were started in 1998 and later acquired by eBay in 2002, which is considered another giant in its field.

How To Set Up PayPal Correctly?
Set Up PayPal Correctly

With great effort and dedication, PayPal has grown into a global leader in these payment services and has more than a hundred million people using its services. Its presence can be felt in fifty-five countries around the world.

All people who buy and sell things online or make transactions or businesses online use these services.

This service is basically an offer that allows customers to pay for the goods and services they buy online. The customers do not have to pay any money directly to the buyers on their websites and this offers a lot of safety and security to the people doing business online.

Why Is My Paypal Payment Processing?

This service is very important for such online transactions as most of these online transaction parties do not know each other’s full profile and sometimes have not even seen each other’s faces.

The biggest advantage of this service is that the customer does not have to provide their sensitive information such as credit card details and can still conduct transactions online.

The merchant dealing with such services need not have a separate merchant account, nor would they deal with the customer’s credit card details.

All those individuals who are not willing to set up separate merchant accounts or are willing to offer their prospective customers multiple payment options can use these services.

The whole process is very easy with these services. The customer, ready to purchase goods from the merchant, clicks on the payment option provided on the merchant’s website, from where he is redirected to the PayPal web hosting service, and upon completion of the transaction, returns to the seller’s website.

The other features of this PayPal web hosting service are that there are no setup fees, cancellation fees, monthly service fees, monthly minimum payments, annual membership fees, monthly gateway fees, etc. and the transactions are completed on their website instead of the seller.

How To Open a PayPal Account In Any Country?

Need a PayPal account? Easy if you live in a country where PayPal operates. How do you know if PayPal is active in your area? Well, just try to create a PayPal user application and before filling in all the information in the user creation form, check in the country field that your country is there.

You may think at first that all the countries are there, but I noticed a few years ago that Lebanon is not among the countries available in the PayPal application form country list, and later when I was communicating with friends from Egypt, I realized that Egypt also isn’t available in the PayPal countries, and neither are many other countries, so what to do if you can’t create a PayPal email in your country.

I’ve also thought about opening a bank account in the US through friends or relatives I have there or through a local bank that has a branch there, but then I found a way to fund my PayPal account and Sell ​​things online without linking a card or bank and get paid to my PayPal address.

But then I got a terrible surprise when I tried to buy something with the funds on my PayPal account, my purchase was declined to say my account is not verified.

Long story short, the only way to have a usable PayPal account in your country (if your country isn’t in the country list on the PayPal application form) is to create a US-issued credit card.

The safest way to do this is with an American Express credit card, because of all the credit cards available, the American Express cards are the only ones that are always issued in the USA and offer the greatest security for online transactions, and this is probably which makes them acceptable under the PayPal Terms.

How To Verify Your PayPal Account In a Country Where PayPal is Not Accepted?

First, sign up for a PayPal account with PayPal. Some people have tried to argue that IP is a problem. But I tell you emphatically that this is not the case at all.

If an American living in your country can use PayPal, why can’t I who live in the country use it with my IP? PayPal knows it’s my country’s IP, but sometimes they restrict your account so you can verify that you’re the true owner of the account.

Do not assume a personal account when opening your PayPal account. Do not change your IP and choose a premium address because it will bring you many benefits.

Also, you are not allowed to use your country address if your country PayPal is prohibited. You are looking for a virtual address from Asian countries, the Middle East, or Europe. However, never sign up for PayPal with a US or UK address.

When you do this, PayPal will ask you to provide your bank account. So it’s easy to predict what will happen if you don’t have a US or UK bank account. So do not use a US or UK address. OK!

Now, after signing up, an email will be sent to your email address used to confirm whether you are the owner of the email address used. After that, go back to PayPal and enter your required secret information. Next, you will be asked for your own checking account or credit card.

When you sign up for the first time, you’ll see a space asking for your checking account or credit card, don’t fill it out. If you do this, your account will be restricted immediately.

When you close your virtual address, do not use countries where PayPal allows opening an account that is not allowed to receive funds. Check the details of each country in the PayPal records and make sure you’ve selected a country that allows receiving money.

How To Verify PayPal?

Once signed up, PayPal will take about five minutes to verify once you have all the facilities set up.

First, you will receive a virtual PayPal card. It only costs $8. You can get the card at

Once you’ve signed in to verify PayPal, you’ll see this: Add a debit or credit card. And both cards are everywhere. But the thing is that there are special cards that you can use, which card is more interesting because you don’t need a credit card to buy it?

All you need is a reserve to buy it. So log in to and open an account. Fund your account with $10. Once this is done, log in to virtual-cc and choose a virtual card for PayPal verification which you pay with your liberty reserve and will be charged $8.

Virtual-cc will now send you your card details, which you must use to log in to your PayPal account for verification.

How To Use PayPal To Receive Money

When you log into your PayPal account, indicate that it is a Visa card, and add the card number, expiry date, and month. They are the CSY or CVV security numbers. When you’ve done all that, click and get to the top. PayPal immediately charges the card $1.95.

You do this to confirm that you are the owner of the card and that you are human because if you own the card there must be a code that you will receive from it so you just have to go back to the card seller and since then It comes from their provider they have to generate the code.

If you review the card’s spending history, it shows that PayPal Gas charged $1.95. You will then see the 4-digit code from PayPal that will be emailed back to you, copy the code into your PayPal account and click Summit. Your PayPal will be verified immediately.

PayPal Solutions – 5 Steps To Managing Your PayPal Account

If you’re wondering how to keep your PayPal account secure yet useful, I have a few suggestions. These five steps have stood the test of time and I haven’t had any issues with PayPal as I manage my accounts for privacy.

  1. Password Protection

Use a workable password, not dictionary words, add alternate letters, numbers, uppercase, and lowercase and mix the letters. A good mix of letters, numbers, lowercase, and uppercase makes your password more effective, less translatable, and should be at least 8 characters long.

  1. Change Password Frequently

Change your password frequently and don’t alternately reuse a password, it becomes too easy to track and obtain. I always recommend a monthly password change on different days of the month. A good time to change your password is every fifth time you check your account.

  1. Never Go To PayPal From Your Email Account

Always go to PayPal from the address bar, log in and out on a new browser page, then immediately close your browser. If you’re on a public computer, change your password more frequently, and make sure to log out and restart the computer when you leave the account.

  1. Keep a Checkbook Type Ledger Of Your PayPal Account

Keep an offline record of your PayPal account actions. You want to be able to verify ALL actions you take on PayPal with logically written actions so you can prove your account behavior. Protect your offline account transaction information. Keep it private and secure at all times.

  1. Print ALL Receipts From PayPal

Print ALL receipts from PayPal and keep copies on file with your other PayPal records. Keeping PayPal receipts with your other financial records is a reminder that this is a financial institution that is highly protected, so you should protect it too.

How To Protect Your Paypal Savings Account?

If you are a PayPal member, you recently received an email informing you about phishing scams. The PayPal phishing scam is emails that look exactly like a PayPal email. But they are fake.

There are two ways you can protect yourself from phishing email scams; Learn how to spot them and protect yourself. It is also best to have a Premium or Business PayPal account. Then you are covered if fraudulent activity is detected on your account.

A phishing scam email contains a fake story designed to trick you into clicking the link so they can steal your personal information.

 Protect Your Paypal Savings Account
Protect Your Paypal Account

It’s usually threatening enough to make you click on it. You may be banned or restricted from using your account until you click here. Or something along those lines to get you to click the link.

The sender is trying to trick you into giving them personal information about your identity. They are also likely trying to steal your account passwords or banking information.

PayPal Protection For Sellers

Don’t trust the email address the email claims to have come from. It’s really easy to disguise one email address to look like another.

Just because it says it came from PayPal doesn’t necessarily mean it’s true. When you click the link, note that it does not go to PayPal.

They will never ask you for your personal information via email. This includes your full name, password, driver’s license number, social security number, credit or debit card numbers, PIN numbers, or bank account numbers.

If someone asks for this information, they are not from Paypal and should be considered a scammer. If you receive a phishing email, forward it along with the header immediately to spoof@paypal. Paypal will investigate and follow up.

Paypal Buyer Protection How Long?

You may receive an email claiming that you need to install the software. Never trust any attachment or software update claiming to be from PayPal. They will never send you files or attachments. These files can be a virus or a worm. Do not open or attach files sent in these emails. Just forward it to along with the header.

One of the safest ways to verify that an email is really from Paypal is; Go to your account directly from your internet browser. Then verify the information in your account. Never access your PayPal account by clicking a link in the email. Even if you think it’s a real email. Don’t take the risk.

If you are not sure whether an e-mail really comes from Paypal. Forward it to spoof@paypal and ask there. They will send you a reply email letting you know if it is legit or not.

Update your internet browser to the latest version. This ensures that you have full protection in your browser. Also, run Windows Update and install any updates you need to add more security. Paypal takes a number of steps to stop fraud.

But you must know that they cannot do it without our help. If you even suspect an email is a spoof Paypal email, forward them to spoof@paypal immediately so they can investigate. Help us.

The same with an eBay email. If you think it is fake, forward it to immediately. eBay will investigate and let you know if it is fake or not.

What Makes PayPal Suspend Your Account?

When your PayPal account has been restricted or suspended, it’s usually for the following reasons:

  1. (Withdrawal) Too much money, too soon
  2. Linking to a previously banned/restricted account.
  3. Sudden change in activity
  4. Withdrawing too much money for a long period of time without providing your SS number.
  5. Violation of PayPal’s rules regarding acceptable sites and transaction types.
  6. Cheating on people because you’re a piece of $h!t. In most cases, it is either 1 – 4

Too much money, too soon:

It’s never a good idea to transfer thousands of dollars on a brand-new registration. This is a quick way to get suspended. There is no exact number for the first 30 days of a PayPal account.

Linking to a previously restricted account:

PayPal’s system is constantly scanning activity, they scan IP logs, they scan cookies and they scan activity. You will NEVER want to log into an old PayPal account using your new IP address or cookies.

You should never make this mistake, otherwise, PayPal will notice and tag you immediately. Even if you change the IP address, and delete the cookies and not the flash cookies, you will still be linked and PayPal will flag and block this.

So don’t make that mistake. It will be very important for you NOT to swap information.

Sudden activity change:

This is very common, especially for internet marketers who might be launching a new product. Once they “launch” and get that instant surge in revenue, PayPal can flag that account because it’s a sudden and drastic change in activity. So watch out!

Withdrawing too much over a long period of time (without a social security number on file):

This is something new that PayPal implemented. The reason they started this is that they will start reporting to the IRS in 2011 and they want every account to be associated with an S.S. number.

If you don’t have an SSN associated with your PayPal account, chances are you’ll be restricted sooner or later, and PayPal will ask you for this information.

Example: Some PayPal accounts were restricted after withdrawing approximately $10,000 from the account over a 5-month period.

PayPal Rules Violation: PayPal doesn’t want you to accept payments for:

Porn, gambling, currency exchange, illegal crap, credit card repair service, etc. So make sure you abide by their rules. Otherwise, plan for hundreds of PayPal accounts because they will catch on.


If there weren’t scammers trying to rip people off, we good folks wouldn’t have to jump through all these hoops just to use the service.

But I think there will always be people who try to take advantage of others. These people are just scum.

Frequently Asked Questions

What are the advantages of a PayPal account?

PROTECT YOUR ACCOUNT AND YOUR PURCHASES. Feel safe before you checkout.
THE FLEXIBLE WAY TO SHOP. Make purchases, transfer money and pay bills directly from your linked credit, debit, or other payment accounts.

Is it safe to use a bank account with PayPal?

PayPal offers the same fraud protection as a credit card and the site ensures that paying online is a secure process. Merchants only see your username and the amount you paid and cannot see your bank account information.

Things To Avoid

  1. Don’t hesitate to refund if a customer insists. A customer message to PayPal about your refusal of the refund will lead to an immediate limitation of your account.
  2. Do not add your PayPal account to network marketing or multi-level marketing (MLM) sites. If you do so, it is against their Terms of Service. Next, you will see: “Your account is restricted”.
  3. Don’t concentrate all your money in one PayPal account if you have more than one. If you have one PayPal account, you can also have multiple ones attached to that one PayPal account as a verified email.

I advise you to have more than one so that while you are harvesting your money with one, you transfer it to another account as a reserved one in case they limit it. The reason is that if they cap your account, your money will be capped too.