Saturday, January 26, 2013
How to View Transactions With Different Payment Methods on a Statement on PayPal
1. Log in to your PayPal account.
2. Click 'History,' then 'Download History.'
3. Select the date range for history you want to view.
4. Click 'Customize Download Fields,' located on the right side of the screen.
5. Scroll down to the 'Other Fields' heading, then select 'Payment Types.' Click 'Save.'
6. Choose a file type from the drop-down menu.
7. Click 'Download History.'
8. Click 'Open' to view your transaction records. You'll be able to see which payment type was used in each transaction.
How to Calculate Shipping amp; Handling Charges With PayPal
1. Go to Paypal.com and create an account. Select the country where you reside and your preferred language. PayPal is currently available in English, Spanish, French and Chinese. Choose the type of account you would like to create. Your options range from: a personal account, a premier account or a business account. A personal account is designed for those who shop online, while a premier account is used by those who buy and sell online. A business account may have multiple users and represents a company.
2. Enter your personal information in each field, beginning with your email and creating and verifying a password. If you already have a personal account, upgrade to a premier or business account.
3. Log into your premier or business account. You will need to enter your email and password. Select the 'Shipping Calculations' tab on your profile homepage.
4. Select your service of shipping and handling. Choose either 'domestic' or 'international' before continuing. The default setting for domestic shipping is 'Three day ground,' but you can can click on the 'Shipping Method Name' for a drop-down with additional options. Make your selection, hit 'next' and your changes will be calculated before checking out.
5. If you are a seller, you may choose how to calculate your shipping and handling charges. Select fees to be charged by either order amount, weight or quantity. Manually enter the rates that you will be charging. Click the 'next' button to save. Your shipping and handling charges will automatically be added on all future purchases.
Friday, January 25, 2013
How to Use PayPal to Start a Loan Business
Making Loans and Receiving Payments via PayPal
1. Ask your lawyer to draft a standard loan agreement that leaves blanks in which to specify the amount to be borrowed, amount to be repaid, monthly payments and associated due dates, amount of interest that will be repaid, and collateral (if any) that will be used to secure the loan. Make sure it outlines what will happen if the borrower defaults. Ensure that the loan agreement is legal for residents of your state.
2. Create an application form where borrowers can provide their contact details and contact information for their employer. Add a section to the form that gives you permission to run a credit history on them. Add another that lets them tell you what collateral they can provide for the loan. Add a section that lets them specify much they want to borrow, what interest rate they can afford to pay and how they want repayment structured.
3. Find borrowers and ask them to complete your application. Given the state of the economy, it is easy to find people who need to borrow money. What is more difficult is finding people who will be able to repay the loan. Craigslist.com and the classified ad section of your local newspaper are places you can place ads for people seeking 'Private Lenders.' Make sure that the ads you place are legal for the state in which you will make the loan.
4. Review completed applications from borrowers. If they meet your lending requirements, create a standard loan agreement that references this information. Give them time to review the agreement, and to show it to their lawyer if desired. Ask them for a signed, notarized, copy.
5. Create a PayPal account if you don't already have one. To do this, go to www.paypal.com. Click the sign up button. You will be required to provide email address, first and last name, street address, state and ZIP code. You also will be required to provide checking account and credit card information.
6. Give the borrower the money using PayPal.
7. Invoice your borrower every month. Send the invoice to them through PayPal two days prior to the day their payment is due. If they do not make payment on the due date, contact them by phone to ask them for payment. If the borrower fails to make payments, you will probably have to take them to court in order to get paid. You may be able to take them to Small Claims Court if the loan amount is under the legal limit for small claims cases in your state. It usually costs under $100 to take someone to small claims court. Small Claims Court is only an option if the borrower resides in your state.
8. Mark the contract Paid In Full when all payments are complete. Send a copy to the borrower along with a note thanking them for working with you.
How to Convert Swag Bucks to PayPal
1. Log in to your Swagbucks account at swagbucks.com using any Web browser.
2. Click on the 'Swag Store' link on the left side of the page.
3. Type 'Paypal' in the search bar found in the upper right corner of the Swag Store page.
4. Click on the PayPal gift card option that costs less than or equal to the number of Swagbucks you have in your account.
5. Click on the 'Snag This' button.
6. Type your address in the text boxes located on the right side of the confirmation page.
7. Type your Swagbucks password in the 'Current Password' text box. An email will be sent to the email address found in your Swagbucks profile.
8. Click on the 'Verify this order' link in the email to have the amount of money you chose sent to your PayPal account.
Can I Appeal a Lost Chargeback Through PayPal?
Chargeback
A chargeback takes place when a buyer asks that her bank remove a PayPal charge from her bank transaction or her credit card statement. One reason a buyer may request a chargeback is that a third party discovered the buyer's PayPal password without authorization and used her account to make purchases she did not authorize. Other reasons could be that the seller did not deliver the merchandise the buyer ordered, or the merchandise that the seller delivered is not the same merchandise that the buyer ordered.
Procedure
PayPal notifies you as soon as possible when it receives notice of a chargeback. PayPal places a hold on the funds in your PayPal account that are related to the transaction at issue while the credit card company investigates the chargeback. You may appeal the chargeback during the investigation phase by providing PayPal with information it can use to dispute the chargeback; however, PayPal is not obligated to dispute the chargeback on your behalf. As of the time of publication, the email address PayPal provides for evidence to dispute a chargeback is chargeback-response@paypal.com. The investigation may take up to 75 calendar days to complete.
Decision
The buyer's credit card company, not PayPal, decides whether the chargeback is justified. PayPal cannot control the outcome of the decision. If the credit card company decides in the buyer's favor, PayPal must return the funds related to the transaction to the buyer. You cannot appeal the chargeback. This is the process you agreed to when you agreed to the PayPal user agreement for your PayPal account.
Avoidance
Most chargebacks occur in the context of online auctions. Therefore, PayPal offers guidance to auction sellers on how to reduce the likelihood of a buyer implementing a chargeback. PayPal recommends that you document the condition of an item before you ship it; that you retain copies of correspondence with the buyer; that you use a delivery service that provides proof of delivery; and that you communicate your return policy to the buyer before transacting business.
How To Stop PayPal From Getting Into My Bank Account With My Debit Card
1. Go to the PayPal website and enter your login credentials. Click the 'Submit' button.
2. Move your mouse over 'Withdraw' and then click 'Debit Card.'
3. Click the 'Change' link in the 'Backup payment settings' section. This opens a new window that provides information and options to change your settings.
4. Click the 'No backup payment method' radio button. Click the 'Submit' button. Your bank account is removed as the backup payment method. Moving forward, PayPal should no longer remove funds from your account to cover overages.
How to Resolve a PayPal Limit
1. Determine why your account was limited and what you need to do to fix it. Paypal will send you an email with the details of the problem, but you can also find the information online. Log into your account and view the details of the limit on your Paypal account.
2. Attach a credit card to your account or a debit card if you don’t have a credit card in your name. Paypal wants an additional form of payment connected to your account, in case you don’t have a balance sufficient to pay for a purchased item. Select your account details and add your credit card information.
3. Upload a copy of your driver’s license or other picture identification and a copy of your most recent utility bill to your account. If Paypal randomly selects you for an identity check, you’ll need to offer proof of your identity, as well as your residency. A recent utility bill shows that you live at the address on file and the utility is in your name, while the picture ID verifies your name and address.
4. Verify your Paypal account by connecting your bank account information with your Paypal account. When you enter your banking information, Paypal makes two small deposits into your account and the next time you log in, you enter those amounts. This verifies that your bank account works with Paypal.
5. Wait 48 hours to ensure that Paypal received all of your documents and then contact the company. If you did everything correctly, Paypal should remove the limit from your account within those 48 hours. If not, you’ll need to contact Paypal through the Resolution Center on the website. You should receive a response within a few days.
Subscribe to:
Posts (Atom)