PayPal Procedures

Setting Up an Account
To get started with a PayPal account, visit the website (see Resources) and click the 'Sign Up' button. PayPal is available in many different countries but you can only have one account per country and cannot combine accounts for different countries, so select the country in which you live and maintain your business. The set-up form will ask you a number of questions, including your street address, bank account information and other personal information. Answer everything truthfully as you will need to verify your account if you plan on using PayPal for business transactions. Many credit card companies use address verification when making a transaction and this is the information that PayPal will use in those circumstances. To verify your PayPal account, you will need to link it to your bank account and then follow the instructions provided. PayPal will make two small deposits into your account and you will need to log in and provide the exact amounts in order to prove that the account is yours.
Making a Payment
To make a payment to a company or person, you will need to log into your account and select 'Make a Payment.' Input the email address of the person you wish to pay, the amount you want to send them and the source of the funds (your credit card, linked bank account or your PayPal balance if you have one) and then hit 'Send.' Sometimes when shopping online a merchant will have a PayPal button already on their website. You just click that button and you will be directed to the PayPal site where you can log in and complete your transaction. Sending and receiving money through PayPal is usually nearly instantaneous.
Receiving Money
Friends, family, clients and other parties can send you money simply by logging into PayPal and using the email address that you provided when you signed up for your account. The funds will be transferred to your PayPal account and you can access them by transferring them into your bank account or you can apply for a PayPal debit card that gives you access to your balance from any ATM or credit card machine. This is a great way to use your funds for shopping online securely when you don't want to use your regular credit cards or banking information.
Fees and Disputes
It is free to send and receive money in most cases when using your account balance or bank account from the PayPal website in the United States. Fees apply when using your credit or debit card or when you request money from someone using the website. These fees vary by the size of the transaction, and current rate information can be found on the website. You will also be charged if you are receiving money for goods or services. If you have a transaction dispute, either because you did not receive the product or service that you paid for or you feel that the charges are in error, you can alert PayPal through their Security Center or Help menu on the website. PayPal will investigate the claim and potentially refund your account while debiting the other party.

How to Stop a Bank From Paying an IRS Levy

1. Seek a hardship release if the levy poses an economic hardship. You qualify for hardship if you were served notice of eviction or foreclosure or if you have a notice of utility disconnect. The IRS will then release the amount necessary to prevent the loss of your home or utility service. In some cases, this is not a full release, depending on the sum in your account when the levy attached.
2. Ask your bank if it has a specific levy or legal processing department. Get a fax number for the department. Most local branches do not process levy releases, so you can gain faster access to your funds having the IRS fax a release to the proper department.
3. Complete Form 433-F. This requests information regarding your personal income, expenses, household members and assets.
4. Gather documents to support items claimed. You will need to provide support for any items listed on your financial form, including your notices proving hardship.
5. Call the Automated Collection System at 800-829-3903. Enter your Social Security number when prompted and wait to speak to an agent. Hold times will vary. Reserve ample time to make the phone call and have access to a fax machine to send your documents.
6. Request a release of levy based on hardship. Explain to the agent taking your call that the bank levy is causing hardship. The agent will ask for documents indicating hardship and take the financial form information over the phone.
7. Fax documents supporting hardship. The agent will receive your documents and make a decision regarding the levy release. If the levy is released, ask the agent to fax the release to your bank.

Understanding How PayPal amp; eBay Work Together

EBay
EBay is a website where you can buy and sell almost anything. Some of the items sold through eBay are used while others come straight from manufacturers. To make transactions on eBay, you must set up an eBay account; the process is free. One of the most widely used methods of payment on eBay is PayPal.
PayPal
PayPal is a secure payment portal available on the eBay website. PayPal is owned by eBay, but the two companies function independently. To use PayPal as a payment method or to accept PayPal as payment, you must create a PayPal account using the PayPal website. Setting up an account is free.
Shipping Information
When selling an item on eBay, it is possible to create and print shipping labels, insure the package, arrange for package pickup and track the item shipped by using the linked services of eBay and PayPal. EBay has applications for all these if you wish to send an item through the United States Postal Service (USPS). You can also arrange to have postage automatically paid through PayPal. If you ship through UPS, you can print UPS shipping labels.
Transferring Funds
Transfer money from a PayPal account by using the 'Bank Accounts' link on the PayPal website and inputting your bank account information. The account information is encrypted for security so that the buyer or seller you are doing business with cannot see the name of your financial institution. You may use multiple accounts. You may also transfer funds from a bank account into PayPal for eBay purchases.
Paying EBay Fees
When listing an item to sell on the eBay website, there is a listing fee involved. Fees will vary depending on the selling category or item to be sold. If you add special features to the listing such as a bold heading or an enlarged photo, there are additional fees. Typically, the fees will range from 20 to 30 cents. Once the item sells, there is a final value fee, which is typically around 8 percent of the total sale price. PayPal may be used to pay these fees. There is an option to have the fees automatically withdrawn from your PayPal account each month if you are a frequent eBay seller.

How to Pay for an eBay Item Through a Different PayPal Account

1. Go to eBay by following the link in Resources. You can make payments via PayPal directly from eBay without typing the PayPal address into your browser.
2. In the toolbar, click 'My eBay.'
3. Log into your eBay account (if you are not already). Remember that this is done using your eBay account information, not your PayPal account information.
4. Look for the reminders of transactions for which you must leave feedback, followed by products you must still pay for. If you have won an auction, this is where you can choose to pay for your item. Select the 'Pay Now' link.
5. Choose the option to pay via PayPal. This will take you to a page that asks you for your PayPal account name and password.
6. Log into PayPal from this page using the PayPal account you wish to use to make your payment. This does not have to be your primary PayPal account; it can actually be done from any account for which you have a username and password.
7. Confirm the price you are paying. Your payment will be sent to the seller. This will mark your purchase as paid for in your eBay account.

How to Use Stop amp; Shop Peapod

1. Confirm that your address falls into an available Peapod delivery zone. Choose between the home delivery and business delivery options found on the Peapod website, and then follow the prompts to check eligibility by entering your ZIP code.
2. Create a Peapod user account. You can create your account on the Peapod website, or by following the link found on the Stop & Shop website. You must provide your email address, the delivery address and your billing information during the account creation process. Although you do not need to create the account before starting your first shopping session, already having the account saves time during checkout.
3. Select your groceries and place them in the shopping cart. You can use the 'Browse Aisles' options to shop by category, similar to the aisles in the grocery store, or you can use the 'Search' option to find specific items. You also can shop the 'Weekly Specials' for special money-saving options.
4. Click the 'Checkout' button to purchase your groceries. Select your delivery date from the available days and times listed, and then follow the log-in prompts or create an account if you have not already done so. You also may select the unattended delivery option in which the driver leaves your order in a secure location of your choosing. Delivery fees do apply. These fees vary depending on the total dollar value of your grocery order. You can waive part of your delivery fee by agreeing to an all-day delivery window.
5. Select the desired payment option and pay for your groceries. You can pay for your Peapod grocery order using a credit card, a Visa or MasterCard debit card or Peapod gift cards. You also can use Peapod's electronic payment method called 'Peapod Direct Check.'
6. Make sure you are home during the designated delivery window, unless using the unattended delivery option.

How to Transfer Money From China

1. Sign up for a 'personal' PayPal account. These do not elicit any transaction fees as long as funds are not sent directly via credit card. For example, a person with an existing PayPal balance who sends money to his friend as a gift does not have to pay a fee. However, if he goes to his friends website and purchases something through a PayPal merchant button, he (the merchant) is charged regardless of the funding source. If your recipient does not have a PayPal account, make sure that you tell her to create one.
2. Link a bank account or credit card with your PayPal account. A credit card is generally accepted immediately, while a bank account takes three or more days to confirm. This credit card or bank account acts as your funding source. It is possible to confirm multiple bank accounts and credit cards on the same account.
3. Move funds into your PayPal account. You may do this with a bank account transfer or a credit card withdrawal.
4. Ask your recipient for her PayPal email address (the email she signed up for PayPal with). Click 'send money' and enter her information and your desired transaction amount. Confirm your decision, and your recipient receives the money almost instantly. She is now able to withdraw to her own bank account, request a check, or spend the money online.

How to Transfer Money From PayPal to a Gift Card

1. Create a PayPal account. Be sure to connect your bank account to your PayPal account to remove any spending limits.
2. Create a secure card by clicking the secure card option. Then click “Generate a New Card.” PayPal will create a virtual MasterCard for you. You have the option of making it a one-time use card or a multi-use card. You can only use the card on one website, regardless of your choice.
3. Transfer money from your PayPal account to a gift card using the secure card. Numerous online outlets allow a gift card to be refilled via their website. Most of them require a debit or credit card. Using a secure card will allow you to refill your gift card using PayPal funds.