How to top up your paypal account from a bank card. Top up your Paypal account from a bank card. Replenishment via Qiwi wallet
An unpopular payment system, but it allows you to quickly make online payments anywhere in the world. Most often, Russian users resort to PayPal services to pay for goods on such well-known trading platforms like AliExpress, eBay, Amazon and other similar ones.
The main advantages of the PayPal payment system are:
- high reliability;
- simplicity of the interface;
- simplicity of the site functionality;
- ample opportunities for replenishment;
- cooperation with most reputable trading platforms;
- high speed of payment receipt;
- absence of necessity regular replenishment your account (if you do not currently need to make a payment).
So, having registered in the Paypal system, the user receives an invoice with zero balance. And in order to make payments on trading platforms that cooperate with this system, this account must be topped up in one of the following ways:
1. By linking a card
The first thing you need to do is link a bank card (regular payment, salary or credit) to your PayPal account. This operation will take some time, but will allow you to enjoy all the benefits of the system in the future.
You only need to do this once, following the instructions on the website https://www.paypal.com/ru/smarthelp/article/faq1834.
The system will remember your data and every time you need to transfer money from your card to your PayPal account, all you will need to do is:
- log in to the site using your username and password;
- through the “Add Money” function (select a command (“Send and receive” or “Sending payments”), selecting the bank account linked to the card (it will be displayed automatically) and the amount you want to transfer, make the transfer (at the end you need to click on the command "Add")
As a rule, money is credited to your account from the card within a few days (to check whether the money has been credited to your account, you need to enter the “Activity” section, which displays the payment history of your account).
In addition, the Paypal system allows you to make regular (periodic) payments (when you need it) through the “Balance Manager”. This function allows you to:
- regularly transfer a certain amount to your PayPal account;
- transfer funds when the account balance becomes less than what you need.
2. From one PayPal account to another
So, any user of this system can top up your Paypal account from their account. To receive funds from another account, you need to:
- log in to your account;
- select the “Money transfers” section, “Send” tab;
- indicate in the field that appears email address or the sender's phone number;
- confirm the action.
3. Via terminal
Note that this method is one of the most “confusing” ones, since there is no direct opportunity to do this (at least in Russia). In principle, it is possible to top up your PayPal account through the terminal, but not directly, but indirectly. To do this, you need to use another payment system - . The algorithm of actions looks like this:
- you register in the Qiwi system;
- register in it;
- link it to your Paypal ID (similar to a regular card);
- replenish your Qiwi wallet through the terminal;
- make payments to Paypal using the number of the linked Qiwi card (16 digits).
4. Using exchangers
Go to bestchange.ru, on the left choose what you want to change and for what. For example, you can exchange Bitcoin for PayPal. As you can see, the list of options is decent. A list of exchangers and their rates with reviews will appear. You choose which one you like, you will be taken to his website and there you can already exchange whatever you want to PayPal.
5. In Euroset and Svyaznoy stores
Go to the cashier and say that you want to top up your PayPal balance. Tell him the email to which the account is linked and the amount in rubles; the salons do not work with other currencies. The money will come within a day, maximum amount- 15,000 rubles for one replenishment. And no more than 40,000 rubles per month.
The PayPal payment system is rapidly entering our lives, and it is already possible for Russians not only to receive cash to the account, but cash them, transfer money to the account bank card and withdraw cash from an ATM.
Why is the popularity of the American payment system constantly growing? The answer is very simple, because American and Western European online stores and various services use payment, as a rule, only from the account of this system. And for now, unfortunately, it is impossible to directly use our Russian e-wallets for this.
How can I top up my PayPal account, and what bank cards can be “linked” to this payment system? These and other issues are briefly addressed in this article.
Features of the Paypal payment system
How to top up your PayPal account? This question interests many users who decide to buy goods abroad. In order to understand how to top up your account, let’s first figure out how to pay for a purchase in the payment system.
There are several ways to pay for goods, for example, at an Ebay auction. Firstly, using a bank card linked to the account. Secondly, by transferring a certain amount from a bank account. Well, and thirdly, you can pay for the purchase from your account.
The payment process looks like this. The amount required to purchase a specific lot at an eBay auction or in another online store is withdrawn from your bank card or other bank account. This amount is then "transited" through your Paypal account and credited to the seller's account.
During this payment transaction, the security service checks many parameters of this transaction. On your part, to complete the payment you only need to log into your account (username and password). To pay for a purchase, you do not need to provide your personal data, card details, enter the card code CVV2, etc. You only need to indicate the amount and select the bank card linked to your account (if there are several), from which the funds will be debited.
After careful verification of this transaction, the specified amount will be withdrawn from the bank card account, taking into account possible fees for currency conversion, and transferred to the seller’s account. This feature of the Paypal payment system not only simplifies the payment process itself, but also makes it quite safe and convenient, since you do not need to constantly enter payment card details, passwords, etc.
Thus, it is now easy to see that if you have a bank card or bank account “linked” to your account, then you do not need to top up your account. You just need to indicate from which bank card or account “linked” to your account money will be withdrawn to pay for this product or this service. Rather, you need to top up not your Paypal account, but your bank card account.
When and why do you need to top up your Paypal account?
You need to top up your account if you do not have a bank card or bank account. Or there are not enough funds on the bank card to pay for the purchase. But, if for some countries you can top up your Paypal account at a terminal or ATM, for our country this option is not yet provided. You can only “link” an international bank card to your account and pay for purchases from the account of this card.
There is another opportunity to top up your account if you receive payment for goods or services sold, for example at an eBay auction.
Starting in the fall of 2013, this money can now be withdrawn to a bank card, such as in the Moneybookers skrill payment system.
Many people are interested in the question: is it possible to top up a Paypal account with electronic money from the wallet of Russian payment systems, for example Qiwi, Webmoney, Yandex Money? Unfortunately, information of this kind changes quickly, and therefore we recommend checking this possibility with the support service of these payment systems.
How to connect a bank card to your account
Before registering an account, you must have a bank card intended for making payment transactions abroad. You can register an account without a bank card, but without it you will not be able to use all the capabilities of this payment system if you live in Russia. Even if your account receives funds from the sale of goods or services, the limits on transactions will be limited.
And it turns out that a bank card replaces a passport, the data of which is used to identify the owner of an electronic wallet of Russian payment systems. And in order to make the most of the Paypal system, you must have a bank card, and, for Russian citizens, the card must belong to one of the Russian banks.
A bank card, or more precisely its details and the details of the card owner, is at the same time a way to verify the authenticity of the data provided by the account owner. When connecting a card to an account, the security service checks the account and bank card data, so make sure that these data match. The slightest discrepancy (the surname was written incorrectly in Latin) may arouse suspicion among security staff, which will lead to account blocking.
When registering an account, the card is first charged small amount, but not for registration, but for verification. Account registration is free. Amount withdrawn It’s small and costs about $2-3, so add it to your card first. This amount will subsequently be credited to your PayPal account (for the Russian Federation) or returned (after verification) back to your bank card.
During this operation, a special code is generated that you will need to complete the card registration operation. If the card is connected to the Internet banking system, then go to your page and carefully study the description of the transaction performed. You should find a code (verification number) there that you will need to enter to complete the bank card registration process.
Details of the transaction performed, along with the code, can be obtained from the branch of the bank that issued your card.
You can also call the support service of this bank and ask them to inform you.
Immediately after entering the verification code, your account will receive the “Verified” status. This status gives you many benefits, which you can learn more about at Paypal.com. For example, you will increase the limit on the amount of one purchase.
What bank card can be connected to a Paypal account? This question is quite important and complex, since not all bank cards are suitable for paying on the Internet, and especially abroad. In addition, there are a number of other “nuances” that you need to understand before ordering a card from a bank, and even more so “linking” it to your Paypal account.
Payment cards intended for paying for purchases on the Internet have a special code on the back, the so-called bank card code CVV2/CVC2. However, this is sometimes not enough to use this map in the Paypal payment system.
In addition, the bank card must be a payment card Visa systems or Mastercard, it must be intended for transactions including CNP (transactions without the card being present at the point of sale and reading the stripe). Some cards, for example the Sberbank Youth Card, are intended only for withdrawing cash from an ATM or purchasing goods in online stores and paying for services in the Russian Federation.
So you don't have to worry about the details banking types cards yourself, you can “transfer” this work to a bank employee. It is their direct responsibility to know which card can be linked to a Paypal account and to give you qualified advice, especially since this information is constantly changing.
We recommend ordering a card from large bank, with a large network of branches, including those located abroad. If you already have a bank card, but you do not know whether it is suitable for online payments, call the bank at toll free line and clarify.
Why are payments from my Paypal account not going through?
1. The details of the card and the cardholder are not indicated accurately. When dialing the card number, do not leave spaces. Your first and last name must be written in Latin, just like on the front of your card.
2. If you have several cards connected to your Paypal account, check which one will be charged from. It is possible that there are not enough funds in the account of the card that the system automatically suggested. Please note that for a deal that was disrupted through your fault, you will receive a “bad mark”.
3. You received a bank card, but forgot to activate it. The fact that you were given a card by a bank and you topped up its balance with a transfer from another card does not mean that it “works.” You must activate your card. That is, perform any operation with a PIN code, for example, request a balance at an ATM.
4. When purchasing goods, they sometimes do not take into account that a commission for currency conversion, etc. will be deducted from this amount. As a result, the amount is not enough and the transaction fails. It is advisable to have a little more funds on your card account than is necessary to pay for this product.
5. For security reasons, some banks impose a number of restrictions on making purchases on the Internet. When you receive your card, find out which ones your card has and whether they can be removed.
More detailed information You can find information on how to register an account, make purchases, and top up your Paypal account on the website www.vxzone.com
Publication date: 12/03/2014
The ability to manage accounts in the Internet banking system improves our quality of life and reduces many costs.
Everyone knows that you can’t give out your card’s PIN code or hand over the card into the wrong hands. What else do you need to know to safely withdraw money from an ATM, pay for purchases and various services with a card?
Transferring money from a PayPal account to a bank account is now possible plastic card, and top up your account different ways, including from a bank card.
Photos are sold on Internet sites called photo banks and photo stocks. Payment for sold photographs is made using foreign electronic payment systems.
Payment can be made not only using a bank card, but also using virtual money, such as Webmoney, Yandex money, Qiwi or the foreign payment system Paypal.
On the pages of our website you will also learn... What should be the procedure in this case?
How to transfer money to an account
Electronic transfers have become very common in Russia. Many people use various wallets, for example, WebMoney or Qiwi. Let's consider whether it is possible to transfer money from them to a PayPal account, and if so, how exactly to do this, and also get acquainted with other options and ways to implement them.
How to pay in cash
The easiest way to top up your PayPal wallet is in cash at Svyaznoy or Euroset communication stores. This can be done in any branch of any Russian city. It is enough to name your account number in the system and transfer the money to the salon consultant.
It should be borne in mind that there are some restrictions. So, you can deposit no more than 15,000 rubles into your account at a time. And the monthly limit is 40,000 rubles.
How to deposit funds through the terminal
You can also top up your account through the terminal.
But for this you need to start virtual card Visa Qiwi Wallet.
That is, in fact, all operations will be performed from this card, but in PP.
First you need to register on the Qiwi website. To do this, just enter your phone number and come up with a password to log in.
The mobile number will become the wallet number. After this, you need to open and link to your Visa Qiwi Wallet on the website.
After the money is credited to Visa Qiwi Wallet, you can use it to secure payment shopping on PayPal.
How to transfer from a bank card
To top up your PP account from a bank card you will need two accounts in the system and two cards, since money will be transferred from one account to another. You should immediately be prepared for the fact that difficulties and problems may arise, since the card can only be linked to one user, since clones are prohibited in PayPal.
You will need to link it to the account from which you will later withdraw money, since withdrawal of funds is possible only by confirmed and verified users. Replenishment will be made through a regular transfer using the “Send Funds” function.
Although this method is not very convenient, it is still popular, especially among those users who do not have other virtual wallets.
Through Sberbank online
Most large banks, including Sberbank, have online services, allowing you to make secure transactions on the Internet. Thanks to this, you can conveniently pay for purchases on PayPal while using Sberbank online banking. However, you won’t be able to top up your PayPal wallet this way, since the system in Russia does not yet have such a function.
You can top up your account only with special bank cards, which are not issued either in Russia or in other CIS countries.
From Qiwi wallet (Qiwi)
Using a Qiwi wallet, or rather a virtual one Visa cards Qiwi Wallet, is the most common method of paying for purchases through PayPal.
This option is suitable for many people because there is no need to link a real bank card on which a large amount is stored.
But users who make at least $1,000 worth of purchases through PP monthly note that using kiwi is not entirely cost-effective.
In such situations, it is better to get a dollar card any bank.
You can open a debit card specifically for PayPal and top it up only before making a purchase.
But if you pay for goods and services via PayPal rarely and systematically, then Visa Qiwi Wallet - the easiest and most convenient way.
The currency conversion fee will be about 3%.
If you are interested in learning how to withdraw funds from PayPal to a Qiwi wallet, then read.
In our special review you will find out the wallet. We will tell you in detail about the rules of translation in various ways.
Is it possible to transfer from my phone balance?
There are a number of sites that offer transferring money from your phone to your PayPal account. To do this you need to indicate your operator and phone number, email confirmed, full name and the amount of the transfer amount. The window will display the amount that will be credited, after which you can confirm or cancel the transaction.
You can top up your account from your phone only through such intermediary sites. There is no such service in your PP personal account.
Each of these resources charges a different commission. and there is a minimum amount for replenishment. Usually the minimum is 200 rubles, and the commission fee is about 10-20% + 50 rubles. That is, this method is not the most profitable. But the indisputable advantage is the instant crediting of funds to the account.
Payment via Webmoney
WebMoney is one of the largest payment systems in Russia, in which you can make transfers within the country and abroad, pay for purchases in online stores, housing and communal services, and even receive and take out microloans and long-term loans.
That's why With the development of Paypal in Russia, payment systems have established bilateral cooperation, providing access to deposits and withdrawals of funds in three currencies:
- WMR and PP RUB;
- WMZ and PP USD;
- WME and PP EUR.
To carry out payment transactions with PayPal on WebMoney, a special section PayPal Exchanger was created, which operates on the principle of an exchange. Thus, one participant in the WebMoney system transfers funds from PayPal to another participant, while the finances are temporarily blocked to ensure the transaction is guaranteed.
The commission for transferring funds is set as standard, as in the WebMoney Transfer system and is equal to 0.8% of the transaction amount.
At the same time, the minimum amounts for transfer are established:
- 100 WMR and 100 PayPal RUB;
- 3 WMZ and 3 PayPal USD;
- 3.5 WME and 3.5 PayPal EUR.
In order for a transaction to be approved by the administration, both parties to the transaction must meet several requirements:
- have a personal certificate or higher level;
- be a registered PayPal member;
- the email address must be the same in both systems;
- The PayPal account is linked to the VM certificate.
The operation is carried out in your personal account. You need to go to the current exchange list and place a counter application at the desired position.
If there is no suitable offer, then you can publish your own request, to which another participant will respond and make an exchange.
How to send via Yandex Money
The conditions for conducting an exchange operation of funds from PayPal to are similar to the WebMoney system. That is, accounts must be verified, addresses Email and personal data match.
However, there is no special service on Yandex.Money for conducting transactions. The easiest way is to use the services of exchange sites. You can find several large resources, check the exchange rate and choose the most convenient one.
It is enough to register on such a site, enter the details of your wallets in PayPal and YaD, and then conduct a secure transaction.
Other options
Thanks to the popularity of PP, many intermediaries have appeared who provide services to replenish your PayPal account, while charging a commission. So, in the system itself there are a number of stores, by contacting which you will receive an invoice for payment for the service, for example, $50, after transferring funds from your card to the account of such a store, you will receive money to your account. On average, the fee will be about 3-4 dollars for such a procedure.
And, of course, you need to remember about the scammers who thrive on such services, since the payment system is not responsible for your transactions. This means you need to be confident in the intermediary before transferring any amounts to his account.
Commissions for transfers
When paying for purchases and money transfers via PayPal, different commissions are charged, the size of which depends on the type of transaction and method of execution.
So, if personal funds are transferred across Russia from one system account to another, then no commission is charged. If the payment is made from a bank card linked to the account, then the interest will be up to 3.4% + 10 rubles.
In this situation, the sender may be responsible for paying the commission. or indicate in the transfer application that the commission will be charged to the recipient.
When transferring abroad, 0.4% to 1.5% is charged. To this commission you also need to add the percentage that is lost during currency conversion. Therefore, it is most profitable to transfer money in one currency, for example, dollars.
When paying for goods and services, a commission of up to 3.9% + 10 rubles is assigned. The catch is that the commission is always paid by the seller. Therefore, many stores simply include the amount of this commission in the cost of the product or service. At the same time, some sellers have flexible commission rates that depend on sales volume.
Paypal replenishment without commission is possible only in two cases: if you pay for purchases in Russia and when transferring money between PayPal accounts. It is because of this that replenishment of the system account itself is in demand.
At the same time, very often when they talk about commissions in PayPal, we're talking about not really about boosting the site, but about conversions. It is when converting rubles into dollars or other currencies that a lot of money is lost.
Therefore, those who want to save money open bank cards, virtual or regular, in dollars, so as not to overpay. This is the simplest and reliable way payment for goods and services in foreign stores.
Frequently asked questions, mistakes and how to avoid them
Quite often, users do not understand how to pay for purchases in PayPal if there is no money in the account itself. After replenishing their account, they still fail to use funds in the system or even withdraw them.
This is a mistake that newbies often make., who have not passed account verification and have not confirmed payment card. On unconfirmed wallets, funds are simply blocked.
That's why first of all, after registration you must indicate your bank card number s and go through verification.
When confirming that you are the owner of the card, a random amount will be debited from it. Usually it is about 1-2 dollars.
When this happens, many people believe that the money has been withdrawn forever. However, you only need to enter the exact amount of the debited amount into the system, for example, $1.56, after which it will be returned to your account.
The main advice for using the service is to strictly follow the instructions. Like any other modern payment system, PayPal has many sections that clearly describe all the instructions and guides for performing any transactions, passing authorization and verifying your account.
The site also has a support service. Therefore, if you have any questions or difficulties, it is better to contact the support service and ask a consultant. This will help avoid a number of problems and greatly simplify the use of the resource.
The most in a simple way payment for goods or services, implementation money transfers in PP is to use your credit or debit card. But with this method a commission is charged, so regular PP users use account replenishment in order to save money.
It is best to use reliable and proven methods for replenishment: cash payment in communication shops, special resources for exchange electronic money or simply ask a friend to transfer from his account to yours.
Schemes for topping up an account through intermediaries are not very reliable and can lead not only to a complete loss of money due to the actions of scammers, but also to the blocking of an account for conducting transactions that violate the terms of use of the service.
In contact with
The security of paying for purchases and services through the PayPal system is attracting more and more users; it is especially convenient when making payments in foreign online stores. After going through the simple PayPal registration procedure, the question arises of how to top up your account in order to be able to pay for services and purchases.
You can top up your account without even leaving home, just attach it to PayPal account your plastic card or create a virtual card. The main condition is that there must be funds on the card. After logging into your PayPal account, go to the “Connect and confirm my debit or credit card” section.
. This method is ideal for making one-time purchases, as it is very fast, simple and completely anonymous.
The PayPal payment system is a very convenient mechanism for paying for services and purchases, which is completely secure and easy to manage accounts. By spending a few minutes registering with PayPal and linking a plastic or virtual card, you can easily top up your account from your card or through QIWI terminals. There are several ways to fund your PayPal account. To do this, you need to have access to the Internet, an account in the payment system, a bank card (for example, Sberbank) linked to this account , cash or any of electronic wallets
: Webmoney, QIWI, Yandex Money. Let's look at the main ways to top up PayPal.
Top up your balance using a bank card It is immediately necessary to make a reservation that not everyone Russian bank
works with the PayPal payment system, so you must first consult with employees of the credit institution whether it provides services for replenishing and withdrawing funds. Sometimes some banks only accept PayPal top-ups.
Basic steps to replenish your account:
Now you know how to top up your account
Top up your account at Svyaznoy and Euroset sales offices
- Sequence of actions for replenishment:
- In the Euroset or Svyaznoy communication stores, contact the seller and inform them that you want to top up your PayPal account.
- The seller verifies your e-mail (that is, account) with PayPal.
- Limits: 15 thousand at a time and 40 thousand per month.
This method of replenishment through Svyaznoy and Euroset is the best for those who do not know how to use online services and is only possible for Russians. It is not available for corporate accounts.
Replenishment via QIWI wallet
Electronic devices are very popular and convenient among the Russian-speaking population. payment systems Webmoney, QIWI and Yandex Money. Direct account replenishment is not possible, only through special exchangers, and QIWI wallet or Yandex Money are easy to use. Everyone knows how to top up a wallet. Let's look at how to top up PayPal via QIWI wallet. You can top up QIWI in any shopping center through a terminal.
If necessary, you can top up your PayPal account by linking it to your QIWI wallet via bank card. In this case, money is debited automatically for each payment. Today, every user of the QIWI electronic wallet can order an international QIWI VISA Card, which will be linked to the wallet and have a balance equal to the amount on the virtual analogue. Linking a PayPal wallet is done in the same way through a bank card. 
Questions are often asked: how to pay for a purchase abroad and? This cannot be done directly (excluded by the PayPal payment system). The only way for Russians is to have a QIWI bank card linked to a foreign payment system, which can be topped up at any time through the terminal. Now you can pay for any purchase on European trading platforms via PayPal.
Replenishment from virtual wallets
You cannot directly top up a foreign account in Russia. But there are many exchange offices that allow this to be done. A proven service is bestchange.ru, where you need to select the exchange path via PayPal. The currency that is being given is indicated on the left, and the currency that needs to be received on the right. The system moves the user to an updated list of exchangers that perform these operations. Here you can immediately see the conversion percentage, but the commission of the electronic wallets themselves will definitely be added.
How to use the exchange monitoring service, watch the video:
The BestChange.ru monitoring system brings you to the TOP every 5-8 seconds best options by 20 popular currency pairs only on verified network exchangers:
In that short video The process of replenishing PayPal is described again in detail. Watch and listen carefully so that you can then top up without any problems.
Now, knowing all the basic safe ways to replenish foreign payment system, you can freely pay for any purchase in foreign online stores.
