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PayPal Info

Personal accounts are free, for individual use only, and include our core features.

Premier and Business accounts are charged a modest fee to receive payments, and include our premium features, such as the ability to accept credit card payments and the PayPal Shopping Cart.

PayPal uses SSL technology to keep your information safe. In addition, when you send a payment using PayPal, the recipient will not receive sensitive financial information like your credit card or bank account number. This eliminates unnecessary worry about paying people you don't know.

Once you sign up and meet the requirements to send and receive payments, you may send money through the Send Money tab. Payments sent to your account will be automatically reflected in your account balance. There are a lot of things you can do with the money in your

PayPal balance:
· Use it to send a payment to someone else
· Sign up for the PayPal Money Market Reserve Fund to earn a return on your PayPal balance
· Withdraw the money to your bank account
· Pay your bills online with our BillPay service

For Buyers:

PayPal is an efficient way to send a payment for your auction items. PayPal is far less time-consuming than making a trip to the ATM or writing and mailing paper checks. And unlike checks, which can take days to clear, most PayPal transactions clear instantly. It's always free to send money, you receive your items faster, and it's secure and private.

For Sellers:

· You can accept instant, secure payments from anyone with a credit card* or checking account, and an email address. (*Receiving credit card payments is a feature for Business and Premier accounts.)

· Sell via auctions, websites, marketplaces or email

· No set up or monthly fees

· Low transaction fees

· Instant availability of funds

· Proven fraud and chargeback protection

· Reliable customer service

· Non-U.S. payments from 37 countries

· Buy and Sell globally with PayPal's Multiple Currencies feature. Make or accept payments in Australian, U.S. & Canadian Dollars; Euros, Pounds Sterling and Yen.

· Convenient HTML interface for simple site integration

· Trusted by over 3 million businesses

To open a PayPal account, just click the Sign Up link in the upper, right-hand corner of this page.

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How do I send money?

You can send money by clicking on the Send Money tab, then clicking either the Pay Anyone or Pay for eBay Items subtab, and filling out the form. When you send money through the Pay Anyone subtab, you will be asked to choose a payment type. The payment types are:

eBay Items: Select this to pay for your eBay purchases. This will take you to an additional form where you can enter information such as your eBay item URL, eBay Buyer ID, and a message for the seller

Auction Goods (non-eBay): Select this to pay for a non-eBay auction purchase. This will take you to an additional form to enter information such as your item URL, auction site, and a message for the seller

Goods (other): Select this to pay for non-auction goods

Service: Select this to pay for a service

Quasi-Cash: Select this to send money not involving an underlying good or service. If you use your debit or credit card for this, your bank may treat it as a cash advance and charge cash advance fees. PayPal has no control over these fees. If you select 'Quasi-Cash' you may want to use a payment method other than Credit Card (Instant Transfer or eCheck) to avoid potential fees

Here's How:

Click on the Send Money tab

Click on the Pay Anyone or Pay for eBay Items subtab

Enter the recipient's email address, the amount, the currency, the payment type, and an optional subject and note

Click Continue

Review the information on the confirmation page and click Send Money to complete your transaction

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How do I receive money?

When someone sends you money using PayPal, you'll receive a "You've Got Cash!" email notification. If you have a bank account added to your PayPal account, the funds will be instantly credited to your account balance. If you don't have a bank account, you will need to manually accept each payment you receive. You can request money from someone by clicking the Request Money tab and filling out the form. You can even request money from several people at the same time by separating the email addresses with a comma.

Here's How:

Click on the Request Money tab

Enter the required information

Click Continue

Review the information on the confirmation page and click Request Money to complete your transaction
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I received a PayPal payment. What do I do next?

After you Sign Up for an account, the payment you received will be automatically reflected in your account balance. There are a lot of things you can do with the money in your PayPal balance, including:

· Use it to send a payment to someone else

· Use our virtual debit card to shop anywhere online

· Sign up for the PayPal Money Market Reserve Fund to earn a return on your PayPal balance

· Withdraw the money to your bank account

· Request a PayPal ATM/Debit Card and withdraw the money from an ATM or spend it anywhere the MasterCard or Cirrus logos are displayed

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Are Personal accounts really free?

Yes. There are no fees for consumers to send money funded with their PayPal balance. Non-U.S. members will be charged a $1.95 USD Expanded Use Fee before they may use their accounts to send money. PayPal does provide premium services at low rates for businesses.

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How do I withdraw funds from my PayPal account?

In Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Hong Kong, Italy, Ireland, Japan, Mexico, Netherlands, New Zealand, Norway, Singapore, Spain, Sweden, Switzerland, and the United Kingdom, you can withdraw funds from your PayPal Account by requesting an electronic funds transfer to your local bank account or a U.S. bank account. Please allow up to 7 business days for the funds to appear in your bank account balance.

In Anguilla, Argentina, Brazil, Chile, China, Costa Rica, Dominican Republic, Greece, Iceland, India, Israel, Jamaica, Luxembourg, Portugal, South Korea, and Taiwan, you can withdraw funds from your PayPal Account by requesting an electronic funds transfer to your U.S. bank account. Please allow up to 4 business days for the funds to appear in your bank account balance. The transfer may take more time depending on your bank's policies.

You will receive an automatic email acknowledgement every time you request to withdraw funds.

Here's How:

Click on the My Account tab.

Click on the Withdraw subtab

Click the Transfer funds to your bank account. link

Choose the bank account to which you would like to withdraw the funds and enter the amount.

Click Continue.

Review the details of your transaction.

Click Submit.
Your funds should appear in your bank account balance in 3-4 or 5-7 business days, depending on the country in which you reside and your bank's policies.
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How do I send an initial payment through PayPal?

The sender of the payment initiates the PayPal transaction. Before completing a payment, the sender should confirm the following information on the 'Check Payment Details' page: Recipient's email address. Amount being sent. Method of funding. This page also displays a message indicating whether the recipient is a registered member of PayPal. Once a payment transaction is sent, the recipient will receive a payment notification from PayPal. If recipient is not a member, they can accept the payment by opening a PayPal account at https://www.paypal.com/. If recipient chooses not to accept the payment, they can notify sender to cancel the payment. An 'Unclaimed' payment can sometimes be cancelled by the sender. If there is no cancel button, the payment will automatically cancel in 30 days.

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What are my payment and funding options when I use my PayPal account?

You may fund your PayPal account and send payments to anyone with an email address using the following methods: Account Funding:
· Electronic Funds Transfer: Transfers funds from your bank account

· Takes 3-4 business days to post to account balance

· Estimated clearing date will be listed on the transaction details page

· Arrange to accept a payment from another PayPal member

Payment Methods
· 'Balance': When sending money via PayPal, the balance in your PayPal Account is used first

· If you have more than one positive currency balance, the entire amount is funded from the selected currency

· If balance used to send the payment is insufficient, it may default to another currency balance depending on amount of funds available

· If your payment is sent from a currency balance that is not open, the payment will be funded with a registered credit card or bank account. Please review the 'Check Payment Details' page to see the funding source used to fund your payment

· PayPal Buyer Credit: A funding source option U.S. buyers may be approved for. Once approved, it will be available as a funding source option when making a payment. Transfer occurs immediately. Payments made entirely using PayPal Buyer Credit will not count against your sending limit.

· 'Instant Transfer': A transfer from your bank account, backed-up by a credit card or secondary bank account

· Transfer occurs immediately

· To use Instant Transfer, you must add a credit card and have a confirmed bank account on your PayPal Account. You may be required to complete the Expanded Use Enrollment Process before the credit card will be active

· 'eCheck': A transfer from your bank account. A credit card or secondary bank account is not required for back-up

· eCheck payment takes 3 to 4 business days to complete. This timeframe is referring to completion of entire transfer process, and not the date the funds will be debited from the bank

· Estimated clearing date is listed on the transaction details page

· 'Credit Card': Transfer occurs immediately

· Members who add a credit card to their account are allowed to initially charge up to $2,000.00 USD on that credit card*

· After confirming a bank account, this limit is lifted

Members applying for and receiving a PayPal Visa credit card, may use this card to fund payments without affecting their sending limit. When sending a payment using your PayPal balance and PayPal Visa credit card, the balance will count towards your sending limit, but the portion of payment funded with the PayPal Visa credit card will not count towards your sending limit *Some accounts, at PayPal's discretion, may have a lower limit until becoming Verified. To view any account limits, click 'View Limits' on Account Overview page. Note: All limits are denominated in your primary currency. If you change your primary currency, your limits will be displayed in the new currency. Holidays and weekends are not recognized as business days for most banking facilities, which may delay your banking transactions. (credit card available to US people only)
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What are the benefits of having a PayPal ATM/Debit Card?

There are many benefits for PayPal Debit Card holders.
· Instant access to the money in your PayPal Account U.S. Dollar balance

· Access to funds 24 hours a day 7 days a week

· Withdraw funds at any Cirrus ATM, (540,000 exist worldwide)

· Ability to use the card at any online or offline merchant with a MasterCard or Maestro logo, (19 million merchants worldwide)

· Benefits such as additional warranty coverage and purchase protection apply when you use the card

· Check your PayPal Account balance at Cirrus/Maestro ATMs

· The Debit card can be used internationally

· No debt, late fees, yearly fees or interest charges to use this card

· 100% guaranteed fraud protection

· Qualify to receive 1.5% cashback on purchases

· Customer Service 7 days a week

To apply for a PayPal Debit card, click the ATM/Debit Card link at the bottom of any PayPal page and follow the instructions. For additional information copy and paste https://www.paypal.com/DCPOL into the address bar of your web browser and hit Return.

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How do I set up my email notification preferences?

PayPal offers several automated email notifications to keep you updated on your account activity. You can choose to receive these emails automatically when:
· You receive money
· Special notifications or surveys are sent to customers
· You receive a Website Payment or Auction Logo payment

You can choose whether or not you wish to receive these notification emails by visiting the Notifications page under your Account Profile.

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Which account type is right for you?

Personal accounts are for individual use only and may not receive credit card payments. Personal accounts include all of our Core Features.

Premier accounts are for members who will have a high transaction volume, need to accept credit card payments, or would like access to our special features. Premier accounts include all of our Core Features, as well as our Premium Features.

Business accounts are for business use only. Business accounts include all of our Core Features, as well as our Premium Features.

Core Features: Personal, Premier, and Business Accounts
Send MoneySend payments to anyone with an email address
Request MoneyRequest payments from anyone with an email address
Auction ToolsAccept PayPal directly from your auction listings Automatically invoice your buyers Automatically remind bidders about your auctions
Accept payments on your websiteCreate PayPal buttons and accept instant payments from your website
International PaymentsSend and receive payments with members in 45 countries

Downloadable LogDownload your account history into a spreadsheet or Quicken
Email-based customer service

Premium Features: Premier and Business Accounts Only

Accept unlimited credit card payments
Subscriptions and Recurring PaymentsImplement subscription payments for your content or services

Multiple LoginsGive your employees limited access to your PayPal account
7 day-a-week customer service call center

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Fees

It is always FREE to:
· Open an account
· Send money
· Add funds
· Withdraw money to a U.S. bank account

PayPal charges for Premier and Business accounts to receive payments. Personal accounts are free, but may not receive credit card payments.

.....................................Personal Account ................Premier/Business Account

Open an Account ..............Free .............................................Free

Send Money .....................Free .............................................Free

Withdraw Funds ............$1.00 AUD to an Australian bank account
..........................................(see website for other countries)

Add Funds.......................Free................................................Free

Receive Funds ................Free ...............................2.4% + $0.30 USD to 3.4% + $0.30 USD ...................................................................................https://www.paypal.com/row/cgi-bin/webscr?cmd=_display-receiving-fees

Multiple Currency.................Exchange rate includes a 2.5% fee*

* If your transaction involves a currency conversion, it will be completed at a retail foreign exchange rate determined by PayPal, which is adjusted regularly based on market conditions. This exchange rate includes a 2.5% spread above the wholesale exchange rate at which PayPal obtains foreign currency, and the spread is retained by PayPal. The specific exchange rate that applies to your multiple currency transaction will be displayed at the time of the transaction.

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Australia

PayPal Australia members! Now you can use PayPal in your local currency without hassles. By adding Australian Dollars to our list of supported currencies, PayPal makes it easier for you to make and accept payments domestically without worrying about currency conversion or foreign exchange fees.

PayPal lets you choose which currencies to accept and how you would like to accept them. When a buyer sends a payment in a currency you hold, the funds will automatically appear in your account in the balance of that currency. When a buyer sends a payment in a currency you do not hold, you will be asked to Accept or Deny the payment.

In order to open an Australian Dollar balance, simply accept an Australian Dollar payment and open a new balance. After that, Australian Dollar payments will automatically go to your account. You can also choose to use Australian Dollars as your Primary Currency. You may manage your currency balances at any time from your Account Profile.

No matter what you accept as your primary currency, you can always send or receive payments in any of PayPal's six supported currencies: Australian Dollars, U.S. Dollars, Pounds Sterling, Euros, Canadian Dollars, or Yen.

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Special Introductory Pricing for Australian transactions

To celebrate the inclusion of the Australian Dollar in its list of currencies, PayPal is offering you special introductory pricing on all your domestic Australian transactions.

For a limited time, you will pay no more than 2.4% + $0.40 AUD per transaction—as low as 1.4% + $0.40 AUD, depending on volume—when you receive money from buyers within Australia. This is some of PayPal's lowest pricing ever, so be sure to take advantage of it.

The chart below shows the special pricing tiers for domestic transactions in AUD.

Domestic Fees—Introductory Pricing (for payments within Australia)

| Monthly Volume Received in AUD
Currency of | Standard Rate | Merchant Rate
Payment | $0–$5,000 | $5,000.01–$15,000 | $15,000.01–$150,000 | Above $150,000

Fees in AUD | 2.4% + $0.40 | 2.0% + $0.40 | 1.7% + $0.40 | 1.4% + $0.40

In addition to this new low pricing, you'll enjoy no bank withdrawal fees for amounts above $150.00 AUD. This, combined with the new ability to send or receive money in Australian Dollars, means PayPal has never been easier to use.

Look for more enhancements to the PayPal service in Australia coming soon!