Wednesday, February 27, 2013
How to Receive PayPal Payments With Only a Debit Card
1. Create a PayPal account. Log into paypal.com and click the link that says 'Sign Up' on the top of the page. Follow the prompts to establish the type of account you need (personal, premier, student or business). You will need to provide your email address, physical address and phone number. Be sure to carefully read the User Agreement and Privacy Policy before agreeing to it.
2. Pay for your purchases directly from your bank account. Once you sign up for your PayPal account, you will be taken to a page that allows you to choose between 'Pay with my bank account' and 'pay with my credit card.' Click the 'continue' button under 'Pay with my bank account.' Enter the name of your bank, the type of account you would like to pay from (checking or savings), your bank's routing number and your account number. Receive funds from yourself. Select the 'add funds' link at the top of your PayPal home page once you have finished establishing your bank account.
3. Receive funds from someone else. Click the 'request money' tab at the top of your PayPal home page. Fill out the recipient's email address and the amount of money that you wish to receive for goods or services rendered. Or, select the 'Create an Invoice' tab at the top of the page (directly beneath the 'Request Money' tab) to send an invoice to a business. Simply fill out your address and phone number, the recipient's email, the amount you wish to receive and the item(s) for which payment is due. You may also include any shipping costs or taxes associated with the goods or services rendered.
4. Access your money with a PayPal debit card. Click the 'Products and Services' tab at the top of your home page. Then click the 'PayPal Debit Card' link below. Follow the prompts to verify and upgrade your PayPal account, and provide a shipping address. You will be sent a PayPal debit card in the mail that will allow you direct access to the PayPal payments you receive.
Tuesday, February 26, 2013
How to Make a Donation Website
1. Sign up for a web host and domain service. Choose a domain name that is directly associated with your purpose for requesting donations so that it will be more easily located and your visitors will understand what the site is about immediately. For instance, if you are collecting money for your little league team, littleleaguedonations.com would be an ideal choice. Expect to pay anywhere between $5 to $20 per month on your hosting service.
2. Sign up for a PayPal account. This service will allow you to accept donations online without paying an upfront or monthly fee. You will pay a per transaction fee for each donation that you accept. You will also be able to generate PayPal 'Donate Now' buttons automatically using your account.
3. Create three main HTML web pages for the site: 'Homepage,' 'About the Cause,' and 'Donate Now.'
4. Start by creating your donation homepage, which will contain all of the links to your other pages. The homepage should have about 350 words about your company or yourself, and the reason why you are asking for donations.
5. Include a few photos related to the cause on the homepage. Create a side or top menu bar with links to all of the main pages of your site. In addition to the item on the menu, include a large, prominently displayed brightly colored button on the front page that says 'Donate Now.'
6. Write about your cause or purpose for asking for donations on the 'About the Cause' page. Provide a detailed background on your organization or yourself to assure the potential contributor that your cause is legitimate and worthy.
7. Create your 'Donate Now' page. Tell the reader again why you need this donation and where the money will go. You will place another 'Donate Now' link on this page --- this time one that is generated by PayPal to take the visitor to the PayPal site to complete the donation.
How to Setup a PayPal Sandbox Developer Account
1. Open a Web browser and navigate to the sandbox sign-up page.
2. Type the information into the sign-up form. Paypal recommends that you do not use the same email account name that you use to log in to Paypal.
3. Click 'Agree and Submit.' Paypal creates your account.
4. Navigate to the Paypal sandbox log-in page. Log in to your test account using the user name and password you set up in step two.
5. Click 'Log In.' The Paypal sandbox account window opens, looking just like a user's Paypal account. You use this account name to set up your Paypal code in your programs.
How to Set Up Pay
1. Go to the PayPal website and click the "Sign Up" link to create a new PayPal account if you do not already have one.
2. Choose to make either a Premier or Business account. Personal accounts may not use the PayPal shopping cart, and will be upgraded to Premier or Business accounts automatically if the merchant services are accessed. Choose a Premier account if you are an individual, or choose the Business account option if you are a merchant with a business name.
3. Provide all of the information required on the registration form. Premier accounts will require much less information (needing only a name, address, email address and password), while Business accounts require more (including the business's name and information).
4. Click on the Merchant Services option under the Business tab once you have logged in to your account.
5. Choose either the Website Payments Standard or the Website Payments Pro option for your cart. While the latter has a monthly fee, it also allows you to process credit card payments on your own website rather than forwarding customers to PayPal's website. With either option, your customers do not need a PayPal account.
6. Select the category that matches what you will be receiving payments for. This option affects only which parameters you must supply and what your button will look like. For instance, the "Products" option will give you a "Add to Cart" button, while the "Donation" option will give you a "Donate" button.
7. Enter the name of the item, its price, the shipping cost and tax rate. Other types of buttons (for example, donations) will allow you to enter a fixed amount associated with the button, or will generate a blank form into which your customer may enter any amount.
8. Click "Create Button" and PayPal will generate code that should be copied and pasted to your website. Select all of the code in the box and copy it by choosing "Copy" from the Edit menu. Then, paste the code into the source of the webpage on which you want the button to appear.
9. Create buttons for every specific good or service you plan to sell on your eCommerce website and continue to add the button code to the appropriate pages on your website.
Can I Get a Refund Through PayPal?
Contact the Seller
Before opening a dispute to receive a refund, PayPal suggests contacting your seller as a first step to resolving any problems. Most sellers would rather settle problems directly with buyers to avoid the arduous resolution process. Express your concerns to the merchant via email or other means of contact to work out an alternative agreement, such as a replacement item. If you aren't interested in a replacement or simply want a refund, you can move on to opening a dispute.
PayPal Disputes
A PayPal dispute is a formal means of bringing your complaint to PayPal's attention and the first step in receiving a refund. If the seller is non-responsive, opening a dispute in the Resolution Center will give him incentive to resolve your complaint as soon as possible. PayPal still requires sellers and buyers to work out their problems themselves during disputes. You have 45 days from the origin purchase date to open a dispute and 20 days to settle it. If you do not settle the dispute within 20 days or escalate the dispute to a claim, PayPal will close the dispute without issuing a refund.
PayPal Claims
Buyers who are unable to resolve disputes within 20 days must elevate the dispute to a claim to receive a refund. At this point, PayPal reviews the claim and decides if the buyer is entitled to a refund. If you receive an item that is significantly not as described (SNAD) by the seller, you must make specific SNAD claim. If PayPal finds that the item's condition was misrepresented or the item is not authentic, per PayPal's user agreement, the company will automatically issue a refund for the purchase, but you are responsible for shipping the item back to the seller.
Considerations
PayPal issues refunds according to how you made the original payment. If you purchased an item from a PayPal or eBay merchant via credit card, the refund will post to your credit card if you opened the dispute within 60 days of the original purchase date. However, it still may take up to 30 days for the credit to appear on your bank statement. All refunds made 60 or more days after the original purchase date are deemed new transactions and will credit to your PayPal balance.
How to Transfer from PayPal to a Walmart Card
Retrieve MoneyCard Account Information
1. Visit the Walmart MoneyCard website.
2. Type in your MoneyCard number or your website user ID. Fill in your password, select your card's expiration date and type the log-in code in the appropriate box.
3. Click 'Log-in.'
4. Click 'Online Bank Transfer' under the Add Funds tab. Scroll down until you see the section labeled 'To Make a Bank Transfer Reload.'
5. Write down the issuing bank name -- GE Money Bank -- the ABA Routing number and your personal ACH number. Note that the type of account is checking. You must be logged in to see this information.
6. Click 'Log Out.'
Adding the Walmart MoneyCard
7. Visit the PayPal website. Type in your username and password to log in.
8. Click 'Profile' in the toolbar.
9. Click the 'My Money' link in the panel on the left side of the screen.
10. Click the 'Add My Bank' link in the Bank Accounts section on the right side of the screen.
11. Click 'Checking.'
12. Type the 9-digit routing number in the Routing Number box. This is the ABA Routing Number from the Walmart MoneyCard website.
13. Type your account number in the Account Number box. This is your personal ACH Number from the Walmart MoneyCard website.
14. Click 'Continue.' PayPal will add the MoneyCard to your account and make two small deposits to it.
15. Check your MoneyCard account to check the amounts for each deposit. Enter those amounts at the PayPal website to confirm your MoneyCard.
Transfer from PayPal
16. Sign in to your PayPal account.
17. Click 'Withdraw.'
18. Click the 'Withdraw Funds to Your Bank Account' link in the Options box. PayPal takes you to the Withdraw Funds by Electronic Transfer page.
19. Type the amount of money to transfer in the Amount box.
20. Click the drop-down box in the To section. Choose 'GE Money Bank Checking (Confirmed).'
21. Click 'Continue' to open the Review Withdraw Funds page. Make sure the information on the page is correct.
22. Click 'Submit' to transfer from PayPal to your Walmart MoneyCard.
How to Build an Online Store Using PayPal
1. Visit the PayPal website. Sign in with your username and password. If you do not have a PayPal account, sign up for a business account. It's free, although PayPal's portion will be taken out of sales once the transactions are made.
2. Sign up for a domain name and hosting or get a free sub-domain. The domain name should be something related to what you're selling in order to get more visitors/buyers. For example, if you're selling cookies, your domain could be something like cookiefactory.com. Be sure that the site editor allows you to paste custom HTML in the code.
3. Click on the 'Merchant Services' tab on your PayPal home page. Click on 'Add to Cart' button. Select all of the correct options for the items you'll be selling. Enter the name of the item and an ID if needed. Enter a price, a shipping price, and tax. Enter all of the information for your store. Click 'Create Button.'
4. Copy the HTML code that is provided for you.
5. Create images for the products/services that you are selling. Upload them to an image-hosting site that provides you with an image code. Save the image codes for each image.
6. Open your site editor provided by the hosting company you're with. Paste the HTML code for your images in the editor. Paste the HTML for the button underneath the image code of the product.
7. Repeat steps 3 through 6 for every item in your shop. Save your online store website and publish it to the internet.
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