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MerchantFAQ

Frequently Asked Questions


Following are some common questions and answers to help you start selling and managing your online payments with PayPal.

Selling Online Safely

How does PayPal keep my business secure?

PayPal works behind the scene to help protect you and your customers. By offering PayPal on your website, you can:

  • Reassure customers who trust PayPal to protect their sensitive financial information
  • Get extra peace of mind with automatic fraud screening (no additional charge) and customizable security filters
  • Safeguard customer info with our PCI-compliant standards for data protection

For more information, please visit the PayPal Security Center.

What does it mean to be verified?

Verification increases the security of the PayPal network. As a PayPal customer, our goal is to make sure your financial details and information are as secure as possible. Therefore, we ask you to confirm that the card or bank account attached to your PayPal account is actually yours. This is called getting Verified.

PayPal encourages merchants to become Verified to increase trust and safety in our community. Also, once you have reached your withdrawal limit (for more information, see "What are account limits?" below), you must become Verified to continue withdrawing money from your PayPal account. Once Verified, you can send, receive, and withdraw money as often as you like.

How do I get verified?

The Verification process varies by country or region, but in most countries and regions where PayPal is available, a Verified member has added and confirmed a credit card.

To become Verified, log into your PayPal account, click the Get verified link at the top of the page and follow the instructions. Note, you must:

  1. Add a credit card to your PayPal account.
  2. Link and confirm your card.

 

Accepting Payments with PayPal and Managing Your Account

What are PayPal’s fees?

At PayPal, we don't believe you should pay anything before you receive payment.  There is no cost to open a PayPal business account and no monthly fees. PayPal does charge a small fee to receive business payments, convert currencies, and for certain withdrawal methods. Find more information about fees here.

What currencies can I accept with PayPal?

You can accept payments in 24 currencies from 190 countries and markets around the globe. See our currency page to find information on specific currencies for your country.

What are account limits? How much is my limit?

All PayPal accounts have initial limits on the amount of money they can send and withdraw. To help prevent fraud, money laundering and identity theft, we ask you to follow steps to confirm that the bank account or credit card linked to your PayPal account is actually yours. For more details on this process, see the "How do I get verified" question above.

To see your limits, log into your PayPal business account and click on View limits, found towards the top of the My Account page.

How do I access money in my PayPal account when customers pay me?

Depending upon your country, you may be able to withdraw funds via one of the following methods:

  • To your US bank account
  • Via a check
  • To your credit, debit or prepaid card

To find out which withdrawal method is available in your country, please visit the PayPal Offerings Worldwide page and select your country.

To transfer money to your bank account:

  1. Log into your PayPal account and click My Account.
  2. Click Withdraw at the top of the page.
  3. Click Withdraw funds to your bank account.
  4. Enter your information and click Continue.
  5. Click Submit.

To get your money by check:

  1. Log into your PayPal account and click My Account.
  2. Click Withdraw.
  3. Click Request a check from PayPal.
  4. Enter your information and click Continue.
  5. Click Submit.

To withdraw money to your credit card:

  1. Log into your PayPal account and click My Account.
  2. Click Withdraw.
  3. Click Withdraw funds to your bank card.
  4. Enter your information and click Continue.
  5. Click Submit.

What is a chargeback?

Chargebacks happen when your customer disagrees with a credit card charge and asks the credit card company for a refund.

Customers initiate chargebacks for a variety of reasons:

  • An item is different from its description or is defective.
  • An item hasn’t been received.
  • A credit card charge isn’t recognized.
  • A payment is processed multiple times.
  • A payment is unauthorized.

We know that chargebacks can be frustrating. The PayPal Chargeback Guide has helpful information on minimizing or avoiding chargebacks.

 

Setting Up PayPal on Your Website

How do I get started using Website Payments Standard?

 With Website Payments Standard, you can start selling online in minutes. To get started, just open a PayPal business account and choose your payment button.

If you’re comfortable with HTML, you can also get help creating your own payment buttons. We have API tools for developers, as well.

How do I get started using Express Checkout?

PayPal makes it easy to set up Express Checkout on your website.  It’s pre-integrated with a variety of the most popular shopping carts.  Or your developer may be able to add Express Checkout to your website using PayPal’s APIs. 

Find information on custom integrations.

How do I create an invoice?

To create professional-looking invoices and send them to your customers by email, log into your PayPal account, go to the Request Money tab, and click on the Create an Invoice subtab.