很长一段时间以来，公众可以使用大量的在线金融交易工具。Venmo、TransferWise、Stripe和Payoneer等等。然而，这些都未能达到PayPal的普及程度。
PayPal对于不想将财务信息添加到每个网站或跟踪(website or track)在线购买的任何人都非常有用。PayPal是维护财务隐私和进行便捷交易的好方法，而且不会出现每次购买时输入信用卡或银行账户信息所带来的(credit card or bank account information)安全漏洞。(security vulnerability)
如果这是您第一次学习如何设置PayPal 帐户(PayPal account)，那么它并不需要(t require)您想象的那么多时间或精力。(time or effort)事实上，它实际上相当简单。
贝宝账户类型(Types Of PayPal Accounts)
首先(First)，当您设置PayPal 账户(PayPal account)时，有两种主要类型的PayPal 账户(PayPal account)可供选择：个人账户和企业(Personal and Business)账户。每种帐户类型(account type)都有一定的好处。您选择的帐户首先取决于您创建帐户的原因。
个人PayPal 帐户(PayPal account)适用于典型的在线购物者(online shopper)。如果您打算使用PayPal的目的只是发送或接收朋友的付款或进行一些在线购物(online shopping)，那么您只需要一个个人帐户即可。
曾经有一个高级帐户(Premier account) 升级选项(upgrade option)，该选项已合并到个人帐户中。但是，并非高级帐户(premier account)提供的所有内容都已转入个人帐户。相反，这些功能已包含在企业帐户(business account)中。
企业帐户选项(business account option)是专门为企业设置的。在线销售产品并希望以信用卡和借记卡(credit and debit cards)的形式接受付款？企业帐户(business account)可能适合您。一个 PayPal企业账户(business account)最多允许 200 名员工访问同一个账户以及其他与业务相关的福利。
设置任何一种类型的PayPal 帐户(PayPal account)都遵循大致相同的过程，而且几乎不需要任何时间。
如何设置(How To Set)贝宝账户
在设置PayPal 帐户(PayPal account)之前，请准备好您的信用卡或借记卡或银行帐户信息(bank account information ready)。您还应该获取其他形式的身份证明，例如银行或信用卡对帐单(bank or credit card statement)或政府颁发的身份证件以进行验证。
- 首先，您需要访问PayPal 的官方网站(PayPal’s official website)，然后单击右上角的“注册”(Sign Up)按钮。我们将使用的网站是为美国居民服务的。
注意(Note)：PayPal 有与您当前所在国家/地区相关的不同主页。在填写您的帐户所需信息时，这也会影响您的电话号码和地址可能性。(phone number and address possibilities)在继续创建PayPal 帐户(PayPal account)之前，请确保您位于正确的站点/网页上。
- 接下来，您需要选择帐户类型(account type)，个人或企业(Personal or Business)，然后单击下一步(Next)。
每个帐户类型选项(account type choice)都会有一小段关于该帐户类型(account type)主要用途的信息。如果您目前不在美国境内，它也会与上图略有不同。事实上，一旦您选择了类型，您可能会被问到该帐户的用途，如下图所示，对于菲律宾(Philippines)帐户。
- 选择您的帐户类型(account type)后，根据您所做的选择，下一个窗口在您的情况下可能会略有不同。
贝宝个人账户(PayPal Personal Account)
- 对于个人(Personal)帐户，新窗口应如下所示：
所有信息均为必填项。
- 填写完此页面上的信息后，单击下一步(Next )，系统将提示您确认您的电话号码(phone number)。
PayPal将使用通过(PayPal)SMS发送的 6 位代码验证您的帐户。此验证仅用于创建帐户，与开始进行货币交易所需的验证不同。
- 下一个窗口将要求您填写有关您的出生日期和地址(birth and address)的更多一般信息。它还可能要求提供国籍证明，您必须使用驾驶执照、护照或政府身份证来验证。
- 填写完成后，选择同意并创建帐户(Agree and Create Account)按钮以完成该过程。
从这里开始，您的帐户已创建，但您需要添加支付交易选项(payment transaction option)，例如信用卡或银行帐户(credit card or bank account)才能开始使用它。
我们将在后面的部分深入探讨进行交易和付款的验证过程(verification process)。
贝宝商业账户(PayPal Business Account)
- 当您设置企业PayPal 帐户(PayPal account)时，第一个窗口将只需要一个电子邮件地址(email address)。但是每次点击蓝色按钮都会显示需要更多信息。
- 所需的附加信息必须处理您的业务的联系人姓名(contact name)、电话号码和地址。在点击“同意并创建帐户(Agree and Create Account)”按钮之前，您还需要阅读和检查一些政策协议。
- 然后，您必须提供有关您自己的个人信息。您将提供的信息是出生日期、国籍和家庭住址(home address)。
对于您的国籍，PayPal将要求以政府身份证、护照或驾驶执照(s license)的形式进行验证。
如果您不想泄露您的个人地址，可以选中与公司地址相同(Same as business address)的框，然后单击提交(Submit)。您的企业帐户(business account)现已创建，但您需要设置一种方式来启用交易和存款。
验证交易和存款(Transactions & Deposits)的PayPal 账户(PayPal Account)
出于安全原因，PayPal需要先进行验证，然后才能使用credit/debit card or bank account进行在线购物。
个人帐户将具有以下验证选项：
作为企业帐户(business account)将有以下选项：
个人帐户的验证方法与企业帐户(business account)的验证方法完全不同。
个人账户验证(Personal Account Verification)
您可以选择关联您的信用卡(credit card)和/或银行账户(bank account)进行交易。对于这两种方法，验证都需要PayPal 账户(PayPal account)上的地址与您的银行账户(bank account)地址相匹配。
如果是信用卡(credit card)，您需要提供信用卡号(credit card number)、卡类型(card type)、到期日期(expiration date)、卡背面的 3 位安全码以及地址。(security code)
对于您的银行帐户验证(bank account verification)，您需要银行名称(bank name)、帐户类型(account type)、银行路由号码和帐号(account number)。在某些国家/地区，您可能需要银行代码(bank code)来代替路由号码。
这两个验证过程都需要额外的步骤。
PayPal将向您的帐户收取 1.95 美元的信用卡/借记卡验证费用。然后，您需要从信用卡对帐单(credit card statement)上的费用中收集 4 位数代码。在 4 位代码旁边，您会看到PayPal，因此应该不难找到。
获得 4 位数代码后，您可以返回钱包确认(Confirm )您的信用卡(credit card)存档，在需要的地方填写 4 位数代码，然后完成验证过程(verification process)。
PayPal将立即退还已收取的 1.95 美元，但最长可能需要 30 天才能退回您的银行帐户(bank account)。如果您愿意通过PayPal登录您的(PayPal)银行账户(bank account)，您可以立即关联。正确输入信息后，PayPal会将其标记为所有权确认。
对于那些宁愿手动输入信息的人，系统会提示您自己确认。PayPal将向您的账户发送两笔 0.01 美元到 0.99 美元之间的小额存款。它们最多需要 3 个工作日才会出现在您的银行帐户对帐单(bank account statement)上。一旦他们这样做了，您就可以通过返回您的电子钱包(Wallet)并输入存入的确切金额来完成确认。
如果您希望向您的PayPal 账户(PayPal account)添加额外的卡或账户(card or account)，您可以使用相同的方法进行。
企业账户验证(Business Account Verification)
PayPal 企业(PayPal business)帐户需要与个人相同的验证步骤。不同之处在于，您只需发送电子邮件或发票(email or invoice)即可汇款或收款。只要收款人当前拥有或愿意创建PayPal账户(PayPal account)，交易即可生效。
设置PayPal 帐户(PayPal account)时的安全性可能看起来有点极端，但这不正是您在处理您的资金的服务中想要的吗？创建一个PayPal 帐户(PayPal account)，无论是用于个人还是商业用途(business use)，都是确保您的在线交易安全的好方法。
您将不再需要将个人凭据输入到您要购买的每个在线商店。(online store)这将为您节省更多购物和其他事情的时间，同时从长远来看也可以让您安心。
How To Set Up a PayPal Account
Thеre have been plenty of online financial transaction tools avаilable to the public for quite some time now. Venmo, TransferWise, Stripe, and Payoneer to name a few. Yet, none of these have been able to reach the popularity of PayPal.
PayPal is useful for anyone who doesn’t want to add their financial information to every website or track every purchase made online. PayPal is a great way to maintain financial privacy and make convenient transactions without the security vulnerability that comes with entering credit card or bank account information for every purchase.
If this is your first time learning how to set up a PayPal account, it doesn’t require as much time or effort as you’d think. In fact, it’s actually rather simple.
Types Of PayPal Accounts
First of all, there are two primary types of PayPal accounts to choose from when you set up a PayPal account: Personal and Business. Each account type has certain benefits. The account you choose depends on your reasoning for creating the account in the first place.
A personal PayPal account is meant for the typical online shopper. If all you plan to use PayPal for is to send or receive payments from friends or do a bit of online shopping, all you’ll need is a personal account.
There used to be a Premier account upgrade option that has since been merged into the personal account. However, not everything offered by the premier account was rolled into the personal account. Instead, those features have been included in the business account.
The business account option is specifically set up for businesses. Selling products online and looking to accept payment in the form of credit and debit cards? A business account may be for you. A PayPal business account allows up to 200 employees to access the same account as well as other business related benefits.
Setting up either type of PayPal account follows roughly the same process and takes little time at all.
How To Set Up A PayPal Account
Before setting up a PayPal account, have your credit or debit card, or your bank account information ready. You should also grab an alternate form of identification such as a bank or credit card statement or a government issued ID for verification purposes.
- To start, you’ll need to visit PayPal’s official website and click the Sign Up button located toward the top-right corner. The website we’ll be using is for US residents.
Note: PayPal has different home pages pertaining to your current country. This will also affect your phone number and address possibilities when filling out the information required for your account. Ensure that you are on the correct site/webpage prior to proceeding with your PayPal account creation.
- Next, you’ll need to select which account type, Personal or Business, and click Next.
Each account type choice will have a short snippet of information about what that account type is primarily used for. It will also appear slightly different from the image above if you’re not currently within the US. In fact, once you select the type, you could be asked what purpose the account serves like in the image below for a Philippines account.
- After selecting your account type, depending on the choice you made, the next window might appear slightly different in your case.
PayPal Personal Account
- For Personal accounts, the new window should look like this:
All information is mandatory.
- Once you’ve filled out the information on this page, click Next and you’ll be prompted to confirm your phone number.
PayPal will verify your account with a 6-digit code sent via SMS. This verification is only used to create the account and is different from the verification that will be necessary to begin making monetary transactions.
- The next window will require you to fill out more general information regarding your date of birth and address. It may also ask for proof of nationality, which you’ll have to verify using a driver’s license, passport, or government ID.
- Once filled out, select the Agree and Create Account button to complete the process.
From here, your account has been created, but you’ll need to add a payment transaction option such as a credit card or bank account to begin using it.
- To begin sending money, all you’ll need is an email address.
We’ll dive further into the verification process for making transactions and payments in a later section.
PayPal Business Account
- When you set up a business PayPal account, the first window will only require an email address. But every click of the blue button will reveal a need for more information.
- The additional information required has to deal with a contact name, number, and address for your business. There will also be a couple of policy agreements you’ll need to read and check off prior to hitting the Agree and Create Account button.
- Next, you’ll be asked what type of business the account is for.
- You’ll then have to provide personal information regarding yourself. The information you’ll be providing is a date of birth, your nationality, and a home address.
For your nationality, PayPal will require verification in the form of a government ID, passport, or driver’s license.
If you’d rather not divulge your personal address, you can check the box Same as business address, then click Submit. Your business account has now been created, but you’ll need to set up a way to enable transactions and deposits.
Verifying A PayPal Account For Transactions & Deposits
For safety reasons, PayPal requires verification prior to being able to use a credit/debit card or bank account for online purchases.
A personal account will have the following options of verification:
Where as a business account will have the following options:
A personal account’s verification methods work completely different to those of a business account.
Personal Account Verification
You can choose to link either your credit card and/or bank account to make transactions. For both methods, verification will require that the address on the PayPal account matches the address of your bank account.
In the case of your credit card, you’ll need to provide the credit card number, the card type, the expiration date, the 3-digit security code found on the back of the card, and the address.
For your bank account verification, you’ll need the bank name, account type, bank routing number, and account number. In certain countries, you may require a bank code in place of the routing number.
Both verification processes will require additional steps.
PayPal will charge $1.95 to your account for credit/debit card verification. You will then need to gather the 4-digit code from the charge which can be found on your credit card statement. Next to the 4-digit code you’ll see PayPal so it shouldn’t be too difficult to find.
Once you have the 4-digit code, you can then head back into your wallet to Confirm your credit card on file, fill in the 4-digit code where required, and complete the verification process.
The charged $1.95 will be refunded by PayPal immediately but may take up to 30 days to appear back in your bank account. If you’re willing to login to your bank account via PayPal, you can link it instantly. Once the information has been entered correctly, PayPal will flag this as confirmation of ownership.
For those who’d rather enter the information manually, you’ll be prompted to confirm it yourself. PayPal will send two small deposits between $0.01 and $0.99 to your account. They will take up to 3 business days to appear on your bank account statement. Once they do, you can complete the confirmation by heading back into your Wallet and entering in the exact amounts that were deposited.
If you wish to add an additional card or account to your PayPal account, you can do so using the same methods.
Business Account Verification
A PayPal business account will require the same steps for verification as the personal. The difference is that you’re able to send or receive money with only either an email or invoice being sent out. So long as the recipient currently has or is willing to create a PayPal account, the transaction can take effect.
The security when you set up a PayPal account may seem a little extreme but isn’t that what you’d want in a service that handles your money? Creating a PayPal account, regardless whether it’s for personal or business use, is a great way to keep your online transactions safe and secure.
You’ll no longer have a need to input personal credentials into every online store from which you want to make a purchase. This will save you more time for shopping and other things while also providing peace of mind in the long run.
