How to Understand PayPal

1. Sign up for PayPal using the personal account choice. PayPal needs an email address, password, first and last name, address and telephone number. During the signup process, you need to also specify whether you'd like to link a bank account or credit card or both to your account. This verifies your account and allows you to move money back and forth and purchase items online.
2. Get ready to accept payment, if this is the purpose of your account. PayPal handles payments several ways. If you're receiving payment for an online good or service that you sold through a website like eBay.com, PayPal skims off a percentage of the payment received, which is 1.9 percent to 2.9 percent plus 30 cents, depending on the amount.In most cases, receiving money from another PayPal account is free so long as there is no purchased item attached. Personal accounts cannot accept credit cards, so if you'd like to accept credit cards, you must upgrade to a premier account.
3. Withdraw funds out of the account by transferring them to your attached bank account. No fees are applied when you do this.
4. Send money to pay for an online purchase or as a personal payment owed to another account. Sending money from a personal account is always free.
5. Make payments to other countries with your PayPal account. PayPal converts your account currency into that of its 23 supported currencies for a small transaction/conversion fee. Both sending and receiving money in other currencies incurs a fee that will be displayed when you create the transaction.
6. Specify your method of payment any time you want to purchase online. By default, PayPal uses either funds in the account or the funds in your bank account. The credit card, if attached to your account, is its last resort. If you want to make a payment using your credit card, you must specify this option when you make the purchase.

How to Set Up a Music Download Via PayPal Payment

1. Upload your music file to your website's media files. Once the file is uploaded, copy the URL that is generated for the file.
2. Create a new page on your website as a place for customers to land once they've paid for your download through PayPal. On the page, create some text thanking your customer for the purchase, then create a 'Download Here' or similar type of text. Highlight the 'Download Here' text and press the 'hyperlink' button. When the URL window appears, paste the URL you copied in Step 1 into the box. When that's done, click 'Save' or 'Save Changes' to create the page. Copy the URL for the page you just created.
3. Log in to your PayPal account and navigate to the 'Merchant Services' tab, then select 'Buy Now Button.'
4. Fill in the information for the item in 'Step 1' of the Create a PayPal payment button, then click on 'Step 3.' Paste the URL you copied in Step 2 into the 'Take customers to this URL when they complete checkout' box and place a check mark in the box next to the selection. Click 'Create Button' at the bottom of the page.
5. Copy the code for the button that appears on the next screen.
6. Navigate back to the content management system of your website and open the page where you want the button to appear. Paste the code onto the page, then click 'Save Changes.' Your button should now be set up, with a link to the music file.

How to Use PayPal with a Credit Card

1. Login to the PayPal website and go to the 'My Account' page.
2. Click on 'Edit profile,' which is right next to your name and e-mail under the 'Account Overview' header. This will take you to your profile summary, where you can change your contact and financial information as well as other preferences.
3. Click on 'Credit/Debit Cards' in the middle column labeled 'Financial Information.' This will take you to a page that lists all the credit and debit cards currently linked to your account. You may have a total of eight cards linked to your account at one time.
4. Click the 'Add a Card' button in the lower right of this page. This will take you to the form for adding a new credit card to your account.
5. Type your credit card information into the form. Select your billing address from the drop-down list or select 'Enter a new billing address' and enter your billing address information. Click the 'Add card' button when you are finished.
6. Select your credit card as the payment option when you use Paypal to make purchases online.

How to Donate With PayPal

1. Look for some indication that the charity or organization accepts donations through PayPal. This is often a yellow and blue 'Donate' button. Clicking on this button will take you to a PayPal order form. Note that some charities and organizations may fix a desired contribution amount, while others allow you to set your own.
2. Fill out the left-hand side of the order form with your name and billing information when donating using a credit or debit card. Log in on the right-hand side of the page when donating using your PayPal account. Input the amount you would like to donate if applicable. Click the 'Review Contribution and Continue' button.
3. Look over the order confirmation page to ensure that your billing information and the amount you wish to donate are correct. Click the 'Donate Now' button.
4. Print out your receipt or write down the confirmation number for your records. PayPal will also e-mail a copy of your receipt to you.

How to Establish a Pay Pal Account

1. At the PayPal website, click on the 'Sign Up' button on the left side of the page.
2. Select your country or region and language.
3. Select the account type you want. Personal accounts are for online shoppers who want a method other than a credit card with which to pay for things. Use a Premier account if you want to buy and sell items online. Premier accounts require more than the basic account information, and PayPal may charge fees, depending on the type of service required. Business accounts are for merchants using company names and provide the features of Premier accounts plus special features needed by larger businesses. If you sign up for a business account you must supply an EIN number, a Federal Tax Identification Number used by the IRS to identify businesses. PayPal also offers student accounts for parents wishing to open an account for a teen to use with parental oversight.
4. Fill out the signup form. It will ask for your name, password, mailing address, email address, telephone.
5. Click the 'agree and create account' button, by clicking the button you are agreeing to adhere to PayPal's user agreement, so you should read the agreement before you create the account.
6. Enroll a debit card or credit card to verify the account and add a funding source. PayPal gives you this option so you can deposit money in your account, but it is not required. You can skip this step if you wish.
7. Click the 'Proceed to Account' or 'Go to Account' button and log into your new account.
8. Activate your PayPal account after you've logged in so that PayPal will be able to make sure your email is correct. PayPal will send an email to the address you provided. Look for the email and click on the 'verify account' link it provides.

How to Hold a Deposit With PayPal

1. Create a PayPal account, if you don't have one. You'll need to provide your name, address and email account, and then verify the PayPal account. You can verify the account either by providing PayPal with your online banking information or by verifying the amount of two small transactions that PayPal makes into your bank account.
2. Provide your PayPal account name to the person making the deposit into your account. The depositor will need to have a PayPal account, as well. He can log on to his PayPal account, specify the amount of money to send to you and send it. You'll receive an email notifying you of the deposit to your account.
3. Confirm the deposit by logging into your PayPal account. You may keep the deposit in your PayPal account, transfer it to your associated bank account, request a check from PayPal or have the amount credited to a PayPal debit card. When it's time to refund the deposit, reverse the process to transfer the amount to the original depositor.

How to Request a Refund From PayPal

1. Log in to PayPal using your email user name and password.
2. Select 'My Account' in the primary blue menu tabs just under the PayPal logo.
3. Go to the 'History' tab located as a subheading under the blue primary menu tabs.
4. Review the history to see if you are eligible for a refund. Transactions made within the previous 60 days are eligible while those prior to that are not. If you are eligible, get the seller's email contact information by clicking on 'Details.'
5. Send an email to the seller who will decide if he will issue you a refund. Explain the reasons why you want a refund and include all pertinent information, including pictures of items received.
6. File a dispute through the Resolution Center if the seller doesn't grant a refund by clicking 'Dispute a Transaction' then 'Item Dispute' and selecting the transaction in question when prompted. Provide the require details about why you want a refund and include any pertinent or supporting documentation.
7. Monitor the dispute on your PayPal account through the Dispute Resolution screen. If no resolution is made or further action taken within 20 days, the dispute is closed. Before the 20th day you can file a PayPal claim by calling 888-221-1161.