Alternative to Services Like PayPal

Google Checkout
For online shoppers, Google Checkout works differently than the PayPal model of having an account with predeposited funds. You store your credit or debit card information online and make purchases via your Google Checkout account without your credit card information being given to the merchant. It provides a much more secure way to shop online and reduces the risks of credit card fraud with SSL security that is on par with major banking websites. However, unlike PayPal, Google Checkout does not offer the option to link directly to your checking or savings account.For customers who receive payments online or have a Google AdWords account, Google Checkout offers some key advantages. As of this writing, the fee structure of online payments is 2 percent of the sales price plus 20 cents compared to PayPal's 1.9 percent to 2.9 percent plus 30 cents per transaction. Google Checkout integrates perfectly with Google AdWords accounts and you can pay transaction fees with your AdWords/AdSense earnings. Having both also increases your available discounts on preferred services and enhances your potential sales by displaying a Google Checkout cart next to your ads.
Checkout by Amazon
According to the Amazon Payments website, 'Checkout by Amazon is a complete e-commerce checkout solution that provides your customers with the same secure and trusted checkout experience available on Amazon.com today.' For online shoppers, Checkout by Amazon offers the same ease use, stored information and confidentiality of Google Checkout. A big attraction of Checkout by Amazon is that it takes your stored information with Amazon.com and allows you to make purchases all over the web. Since Amazon.com is already partnered with a significantly large number of other online retailers, the potential for acceptance on shopping sites is higher than Google Checkout.For online entrepreneurs, Checkout By Amazon offers a fee structure of 2.9 percent plus 30 cents for all transactions over $10. However, they do offer discounts based on sales volume that goes as low as 1.9 percent plus 30 cents for all transactions for monthly payment volume over $100,000, according to their website. For transactions under $10, the fee is 5 percent plus 5 cents.
Other Competitors
It is worth noting that there are other, smaller companies that have popped up over the past few years in an attempt to achieve PayPal-like success. As of 2009, the most noteworthy of these are Digital River, NetTeller and AlertPay. However, like the previously successful BidPay that was put out of business by PayPal and then unsuccessfully relaunched again in 2006, most of the companies are considered unreliable and have nowhere near the amount of popular acceptance as Google Checkout or Checkout By Amazon.

How to Withdraw PayPal in Pounds

Convert your Funds to Pounds
1. Click 'Currency Converter' in the 'PayPal balance' box of your account home screen.
2. Click 'British Pound' from the 'Select new currency' drop-down list, then click 'Add Currency,' if you haven't previously made a transaction on PayPal.
3. Type the amount of currency you want to convert in the 'From' field of the 'Currency Exchange' box. Select 'British Pound Balance' from the 'To' drop-down list, then click 'Calculate.'
4. Check the currency conversion amount in the exchange box, then click 'Start Exchange.'
5. Click 'Exchange Currency' to confirm that you want to exchange your balance to pounds.
Withdraw Your Funds
6. Hover your mouse over 'Withdraw' in the menu bar at the top of the page, then click 'Transfer to Bank Account.'
7. Click 'British Pounds' from the 'Currency' drop-down list, then type the amount you want to withdraw in the 'Amount' field.
8. Click to choose your bank account from the 'To' drop-down list, then click 'Continue.'
9. Click 'Submit' to complete the withdrawal.

How to Make Money Using My PayPal Account

1. Sell products and items on shopping sights like eBay.com and Amazon.com. Link your PayPal account to the shopping site, so that money can be directly deposited into your PayPal account.
2. Join an online-affiliate program like Amazon or Google. Get a monthly commission through the affiliate. Give the program your PayPal email for future deposits.
3. Link the special affiliate code to your blog, website or forum. Gain traffic to your site to draw more attention to your affiliate advertisements. The more clicks you have on the affiliate banners, the more money you make.
4. Market affiliate products through your blog or forum. Affiliate sites issue payments for different roles. Some even pay for recruitment.
5. Find online sites that offer paid surveys. Research all sites that you attach to your PayPal account because not all websites are legitimate. Connect your PayPal email to the survey account once you have researched it.
6. Find writing jobs online. Choose sites that offer PayPal as a means of payment because these are the credible sites.

How to Know If a PayPal Buyer is Confirmed Before Invoicing

1. Launch a Web browser and navigate to PayPal.
2. Log in to your PayPal account.
3. Click the 'Request Money' tab.
4. Click 'Create Invoice.'
5. Select an invoice template and then click 'Continue.'
6. Enter the invoice details, including your address, phone number, the purchaser's email address and the purchase details, and then click 'Continue.'
7. Review the 'Recipient Details' to determine whether the PayPal buyer is confirmed and verified. If the user has a confirmed shipping address, it will say 'Verified Member' underneath his or her email address. If the user's account doesn't have a confirmed shipping address, it will say 'Unverified.' If the user doesn't have a PayPal account, it will indicate that information as well.

How to Use a PayPal Business Debit Card

How to Activate Your PayPal Business Debit Card
1. Go to PayPal.com and log in to your business account.
2. Click on "My Account."
3. Click "Profile" at the top of the page.
4. Locate the "Financial Information" column and click on "PayPal Debit Card."
5. Select your business card, and click "Activate Now."
6. Enter in the required information (required activation codes are included on that was sent with your debit card), and select your business card's PIN number. Then select "Activate Debit Card."
How to Use Your PayPal Business Debit Card
7. Swipe your card when making purchases in retail outlets that accept MasterCard. There is no charge from PayPal for this. There is a daily limit of up to $3,000 for these transactions.
8. Withdraw money from ATM machines. You will have to enter your PayPal business debit card PIN number. You will probably incur a charge from the ATM and a $1 charge from PayPal. There is a daily limit of up to $400 for ATM transactions.
9. Make purchases online with your business debit card. You can make purchases by entering in your debit card number just as you would any other debit/credit card. There is no fee for this, and you are limited to spending up to $3,000 per day.

How to Retract a Payment on PayPal

1. Decide exactly why you want to retract a payment on Paypal. Most buyers retract a payment because the item arrived in poor condition or the description of the item didn’t match the actual piece. In some cases, you’ll want to retract the payment because the seller never sent you the item at all.
2. Open a dispute with Paypal by opening the transaction name and clicking File A Dispute. Paypal contacts the seller, giving them a specified amount of time to answer to the charges. If the seller doesn’t respond in enough time, the money is automatically credited back to your account.
3. Contact your credit card company and request a chargeback. The way a chargeback works is that your credit card company retracts the Paypal payment and credits the money back to your credit card account. Your card contacts Paypal first to get the details of the account.
4. Follow through with the emails sent by Paypal because the website allows you to initiate a chargeback and dispute at the same time. The emails ask why you want to retract your payment, what your response to the seller is and it may take several weeks for the dispute to settle.
5. Check your account for details about the transaction and the final decision. If Paypal determines that you were right, the company takes the money from the seller and deposits it back in your account. You’ll receive an email from either Paypal or your credit card when the payment is retracted.

How to Get a Paypal Account Without a Credit Card

1. Click on 'Sign Up' on the main page of the PayPal website. The link appears on the upper right side of the page.
2. Enter your personal information, including your name, address, email address and telephone number. Be sure all of this information is entered correctly and then click 'Submit.'
3. Click on the 'Continue' button underneath the words 'Pay with my bank account.'
4. Enter your bank name, check the appropriate radio button for your account type and enter your routing and account numbers.
5. Check your next bank statement for two deposits made to your account by PayPal. Alternately, if you have access to your bank account online, you can get the deposit amounts from your bank website.
6. Confirm your bank account by clicking the 'Confirm your account' link on your main PayPal account page and entering your two deposit amounts.