Becoming an Online Merchant With Credit Card Processing

1. Set up a business website. Do this by going through a hosting service. Some services specialize in setting up online stores.
2. Get a PayPal account. PayPal gives you quick and easy access to all of the major credit card companies and does not charge setup fees. PayPal has two types of accounts: Standard and Pro. Standard assesses no monthly fees, but your customers must go through PayPal for payment instead of going directly through your site. Pro allows you to take fees directly from customers on your site, but you must pay a $30 monthly fee, and you must submit to a credit check.
3. Place a PayPal link on your payment page. PayPal provides downloadable icons for you to place on your website yourself, but hosting services specifically for online stores fully integrate with PayPal anyway.
4. Connect your PayPal account to an exterior bank account. This allows you to withdraw your PayPal balance to a normal checking or savings account. After 60 days, you can also qualify to use a debit card that connects directly to your PayPal account, but you will probably have to pay any time you use this card to withdraw cash from an ATM.

How to Pay Bills With PayPal

1. Get a PayPal debit card. The card will allow you to use your PayPal balance just as a bank balance would be used through a bank debit card. The PayPal card can also be used like a credit card to pay bills online. The debit card is free to PayPal account holders.
2. Use your PayPal debit card like a credit card to pay bills online. Often utility bills, insurance bills and other smaller bills can be paid this way through the website of each company. Some companies also allow a card to be kept on file and the amount withdrawn from it each month automatically. For bills that don't have websites, you may be able to pay the bills in person with your debit card just as you would with a credit card.
3. Make sure you have a PayPal balance that covers the amount of the bill before you attempt to pay it. If you don't have enough in the account, you can still pay the bill by setting up a backup funding source in your PayPal account. It can take a few days to verify a bank account if the account isn't already on file with PayPal. Once you have backup funding, the extra amount beyond your PayPal balance comes from your bank account.

How to Transfer PayPal Money Into Cash

1. Visit paypal.com. Enter your user name and password to log in to your account.
2. Click the 'My account' tab.
3. Select 'Withdraw' from the options near the top of the webpage.
4. Select 'Transfer to Bank Account' from the dropdown menu.
5. Enter the amount of money you wish to transfer.
6. Choose the bank account to which you wish to transfer your PayPal funds (if you have more than one bank account connected to your PayPal account). Highlight this bank account. Click 'Continue.'
7. Click the 'Submit' button.
8. Select 'Go to My Account' and check to see that PayPal deducted the proper amount of money from your account.
9. Wait up to four days for the transferred money to appear in your bank account. After the money clears and is available in your account, you can withdraw it.

How to Get Payments on PayPal

Get a PayPal account
1. Sign up for a PayPal account by going to PayPal.com and clicking the 'Sign Up Now' link toward the middle of the page.
2. Select your country, language and appropriate account type: personal or business.
3. Fill in your personal information starting with your name, address and phone number. Follow the rest of the on screen instructions to complete your registration.
4. Link your PayPal account to a bank account. Confirm your email address to start to be able to receive payments on PayPal. You will also need to confirm your bank account by waiting for PayPal to send two small payments to your account. Your verification is necessary for those amounts. You can also choose the automatic verification option.
Get payments through PayPal
5. Request money from a person for a good or service. Do this by clicking the 'Request Money' link at the top and following the directions.
6. Wait for the recipient to receive the email requesting the payments. Wait patiently for your debtor to submit his or her payments to you.
7. Check your email to see if you received the money transferred to your PayPal account.
8. Click the 'Withdraw' link at the top of the PayPal webpage to move money from your PayPal account to an account capable of withdraw, like your checking account. You can also apply for a PayPal debit card for easier spending. You can apply for the PayPal debit card for your payments on the PayPal homepage.

How to Deposit Money to PayPal

1. Sign in to your PayPal account by providing the email address that is associated with your account and the password. Click on the “Log In” button. This will open the “My Account Overview” page.
2. Transfer money from your bank account. You can easily add money to your account from most U.S. banks. All you need is either a checking or savings account. Click on the “Add Money” link that you will find at the upper-left side of the overview page. Select the link “Add Money From Bank Account." If you have not previously added a financial institution to your PayPal account, do so by following directions provided in Step 3. If you already have at least one account listed, it will be shown on the “From” drop-down box. If this is your situation, then skip ahead to Step 4.
3. Add a bank account to your PayPal account. You must link a checking or savings account (or both) in order for you to be able to deposit money. Click on the “Add Bank Account” link provided. You will need to supply a bank name and account type (checking or savings). Next, type in the routing number and account number. When you have finished, click on the “Continue” button. You will have to confirm your account prior to being able to use it. Click on “Profile,” “Bank Accounts” and then “Confirm.”
4. Transfer funds from your bank account. To deposit money into your PayPal account, select the account you want to use. Type in the amount you want to transfer and then click on the “Continue” button. You will see the balance on your PayPal account adjusted to include the money deposited.
5. Use your PayPal Plus credit card to deposit funds. If you have a PayPal Plus credit card, you are able to instantly transfer money from it to your account. This is a credit card offered by PayPal for which you must qualify.

How to Use Ebay Buyer Protection

1. Attempt to contact the seller by email and then through phone contact if needed. After these attempts have been exhausted and you are confident that the seller is not going to offer a replacement or refund, proceed through the eBay buyer protection process.
2. Go through the eBay Dispute Console and file a complaint describing the nature of the problem with the transaction. File the complaint at least 10 days after the transaction date and less than 60 days after the transaction date in order to be eligible for protection. These dates are in effect no matter when the item arrives. Sellers who are trying to get out of the seller protection system may put buyers off for long enough that the 60 days elapses and the item is no longer eligible.
3. Allow eBay to contact your seller. Read the response, if any, from the seller, which can include a message that the item has been sent, the payment was not received, a refund is being given or a replacement will be sent. You may receive more personalized communications in some instances with a choice of options to remedy the situation. If the seller doesn't want to choose from between the narrow band of options that are offered by eBay, he can send you a personal communication through the system, or through email, that offers you other options.
4. Close the dispute with the seller because the matter has been resolved or report the seller to eBay's Trust and Safety team because either the seller will not respond or will not respond to your satisfaction. Wait 30 days after the transaction before reporting the seller to the Trust and Safety team, who will better facilitate the transaction, which can include giving a refund or other taking actions against the seller.

How to Send an Auto Response Through PayPal

1. Create a Web page on the site that you are selling from thanking your customers for their business. Design this page exactly as you want it to appear to your customers after they have completed their purchase on the PayPal website.
2. Log in to your PayPal account and select 'More Options' under the 'Profile' tab.
3. Click the 'Update' button, located next to 'Website Preferences.'
4. Click the 'On' button under the 'Auto Return for Website Payments' heading. Type the URL of the custom thank-you page on your website in the box labeled 'Return URL.'
5. Click 'Save.' PayPal will now send an auto-response and display your thank-you page to your customers after they complete their payment transaction on the PayPal website.