Your experiences with Paypal? Advice please?

1. 68

   Cardiaposted 10 years ago

   I'm thinking of opening a Paypal account so that I can sign up for the Hubpages Earning Program, as well as doing some artwork commissions from online.
   However, I just want to hear some feedback from people who have/had Paypal accounts. Was it worth opening?
   Also I was wondering if it'd make any difference that I don't live in the US? I'm from Barbados but I currently live in Brazil (was thinking of using a Brazilian bank account to open the Paypal - what do you think?)
   
   Thanks!

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   1. 0

      Snakesmumposted 10 years agoin reply to this

      As a Paypal user for a few years, I have to say I've always been satisfied with them.   I am in Australia, and have no problems using my bank account and credit cards.
      
      I don't know how Brazil is considered from there, but if you visit their website, you should be able to find the information.
      
      Paypal has always been safe and secure in my experience.

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   2. 66

      relacheposted 10 years agoin reply to this

      It's the only way HubPages pays.  People who don't have a PayPal account tend to leave the site.

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   3. 69

      Maina Ndunguposted 10 years agoin reply to this

      Opening a Paypal account is as easy as opening a HP account unless you're in a few countries which are blacklisted for God knows what. Paypal is secure to the extent that even you yourself can lose access to your money if you dare mess with them.
      In other countries like ours, Paypal has not had suitable partners until last year. Money in a Paypal account amounted to nothing, unless you acquired a Payoneer debit card, or use anauthorised middlemen whom you could hardly trust.
      I'll advice you to just open an account if you wonna be here for long.

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   4. 78

      Uninvited Writerposted 10 years agoin reply to this

      I'm in Canada and have had no problems at all.

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   5. 69

      brakel2posted 10 years agoin reply to this

      In the past, a fraudulent Paypal existed and tried to get you to click on emails. I was a victim. Now I have learned to never click on an email and that fraudulent ones exist for many sites. I think we are all more cautious these days. The real Paypal will never send an email asking you to click on a a little button. I have a friend who has Paypal for Ebay and never had a problem over many years.

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   6. 83

      ecogrannyposted 10 years agoin reply to this

      I am not a fan of PayPal. I view PP as a necessary evil I have to accept because it is the only way to do business with some online sites, like HubPages.
      
      When I joined Squidoo nearly eight years ago, I had to join PayPal as well if I wanted to get paid. Every month, Squidoo deducted a percentage of my earnings in "PayPal transaction fees." Then, whenever I used some of my earnings to make a purchase through a merchant who only accepts PayPal payments, once again, I paid a percentage of the transaction in "fees."
      
      In other words, PayPal takes a cut every time money goes into my account, and again, every time the money goes out. That's in part because I choose not to give PayPal access to my bank account. Every time I want to deposit my own money in my bank account, I make a request to PP for a check, for which I am once again charged a percentage of the total amount of the check.
      
      PayPal earns millions of dollars in interest each year because of the deposits we allow to sit there. Then it makes more, charging a percentage of every transaction in and out. I wish they were more like a bank who, eager to get those deposits, would waive all fees for deposits over a certain amount, or, in lieu of a large deposit, charge a nominal monthly fee.

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      1. 61

         KnowWhatImeanposted 10 years agoin reply to this

         I guess I have been getting around the fee structures with Paypal since when the money is deposited I simply transfer the funds to my personal bank.  I dont use Paypal to purchase much of anything.

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2. 60

   George Lescheposted 10 years ago

   If you are a freelance writer Paypal is a must. Most sites only pay their writers with Paypal accounts. So its highly recommended. Paypal is safe, I been using it for many years and its a easy way to keep your finances in check. 
   
   Hope that helps,
   George

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3. 82

   misterhollywoodposted 10 years ago

   I've been with Paypal for years. I use it to receive and send payments. Many businesses use them as a primary payer type. It's a smart move to sign up with them.

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4. 83

   Jayne Lancerposted 10 years ago

   I've used Paypal for several years, and have never had a problem. I must say, though, that I'm the type who doesn't trust anyone with my money, so I transfer funds the moment they appear on my Paypal account to my bank account.
   
   I can't comment on using a Brazilian bank account for Paypal. I'm based in the UK.

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      Uninvited Writerposted 10 years agoin reply to this

      If I have a lot of money in my PayPal account I do transfer it as soon as I get it. But I had $200 in there for a month and it was fine

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      1. 83

         Jayne Lancerposted 10 years agoin reply to this

         I'm probably overly wary.

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5. 73

   LeanManposted 10 years ago

   Never any problems... Most of my online earning either go into my UK account or my Paypal account which I got when I was here in the Philippines and is linked to an account here.
   
   I had an account before when I was in Saudi Arabia and that was OK also until I had to change address as I needed to link a different card to the account and I could not change the address - but I just transferred the money to my new paypal account here in the phils..

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6. 60

   Melissa Miotkeposted 10 years ago

   Paypal has worked great for me. It's definitely worth it so you can make some money!

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7. 86

   Marisa Wrightposted 10 years ago

   Many, many people have had bad experiences with Paypal - but if you want to earn from writing sites like HubPages, you need it, because you'll miss out on the main earnings potential of the site if you don't have it.
   
   The important thing is not to leave money accumulating in your Paypal account.  Transfer the balance to your bank account regularly.  That will minimise the chances of any problems.

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8. 82

   SANJAY LAKHANPALposted 10 years ago

   Merisa Wright is absolutely right. There is an auto- transfer option in Paypal account, which transfers the money to the registered bank account.

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9. 61

   LindaSmith1posted 10 years ago

   I haven't had any issues with PayPal that were not resolved. Sometimes, though rarely, there are glitches.  Customer service is great.  But, like others have said, "No PayPal, No Pay!"
   
   I also transfer money to my bank account right away.  If I want to pay through Pay Pal and funds are not in there, I can have them take funds from bank account

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10. 68

    PinkstonePicturesposted 10 years ago

    I have been using PayPal for many years and I found it so useful. Not only will it be good for you to register so you can attach your account to HubPages but there are so many companies online that take PayPal payments it makes it really secure and convenient. I wouldn't hesitate to recommend that you sign up for an account.

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11. 86

    LisaMarieGabrielposted 10 years ago

    Paypal is great.I have used it for years as I refuse to bank on line. Much more secure I think, and  even if it does get hacked the damage is limited.

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    1. 66

       relacheposted 10 years agoin reply to this

       PayPal IS online banking, just minus FDIC-insurance.  This makes you feel batter how?

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12. 66

    Arachneaposted 10 years ago

    I've had a paypal account since before it was owned by EBay. It is perfect for taking payments and making pmts when I'm not using the square. It also provides invoicing options. My storefront on StorEnvy is also connected to my PayPal account.

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13. 0

    Affilmarketsposted 10 years ago

    Paypal is good for me so far, I have not had any bad experience yet with them. I use them for my ebay business and when shopping. So don't be afraid to use then. Good luck.
    
    Sally

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14. 83

    Patsybellposted 10 years ago

    I've been using Paypal for a few years. It is convenient. When I use Paypal to buy something, I don't have to enter my personal info. I love that a payment or pay check is directly deposited, saving me a trip to the bank.

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15. 61

    Melinda Longoriaposted 10 years ago

    I've been using paypal since 2005 for eBay. Paypal is used everywhere! It's easy to use as well. Everyone should have a paypal account. It makes selling and shopping internationally so much easier! Over the years, I've had to deal with some fraudulent activities as a seller. In all of the cases, Paypal worked with me to resolve the issues and get my money back. They were small amounts thankfully. Always open a new window and type the paypal address in to enter the site. Don't click on any paypal links that might be found in your E-mail. Keep your account information safe by changing your password often. File any fraudulent or questionable account activity with paypal.

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    1. 82

       SANJAY LAKHANPALposted 10 years agoin reply to this

       Thanks for the tips Melinda Longoria.

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16. 81

    Glorymillerposted 10 years ago

    I have had a Paypal account for years and have use it to send and receive money. I have yet to have any problems with their service.

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17. 61

    Melinda Longoriaposted 10 years ago

    I wanted to mention that most bank accounts conduct business online now just like Paypal. Even though I've experienced a small amount of fraudulent activity with paypal, don't let that deter you from getting an account. I've also experienced fraudulent activity with my online bank account. It's just something that happens when banking is done online. Paypal does resolve the issues.

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18. 86

    LisaMarieGabrielposted 10 years ago

    @relache I never feel batter. I find it leaves my fingers sticky and messes up my clothes. Seriously, I would rather keep thieves out of my main bank account. Paypal allows me to do just that.

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19. 76

    psycheskinnerposted 10 years ago

    Problems with paypal are rare but not unknown.  I use it but do not let large amounts of money stay in the online account, because there have been cases where accounts were frozen for dubious reasons.

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20. 61

    fpherj48posted 10 years ago

    Have had a PayPal accnt since joining HP and the other sites for which I write.  The income from these sites is the only exchange my PayPal accnt is used for but it's necessary for precisely this purpose.
    Never had a single problem.....hope to never have.  I must admit to being quite satisfied with Pay Pal.

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21. 61

    KnowWhatImeanposted 10 years ago

    Paypal is great - its like a universal bank.  I have used it for years for various things, and my company uses it as the credit interface for the ecommerce portal.  I would say that it has all the same abilities of any big name bank in any country.

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22. 73

    word55posted 10 years ago

    It's all good for receiving and sending money securely especially for international  exchanges.

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23. 93

    Rochelle Frankposted 10 years ago

    I have used it for years. Another  useful feature is that it will convert  currencies. If someone  needs to send or receive Euros, (or any other currency) for instance, It  instantly calculates the value in dollars (or whatever your currency is) so you don't have to go to your bank and pay a huge fee to exchange money.

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24. 61

    Danielspages2013posted 10 years ago

    Never had a problem with Paypal. In fact, Paypal has bailed me out - on more than 1 occasion - with online purchases gone sour. They work as the middle man between the purchaser and a merchant to decide who is at fault. Because there are a lot of shady online businesses and scams out there and Paypal is a guarantee that you get reimbursed if something goes wrong with your purchase.  They are, in my opinion, the safest way to make online purchases. And, by the way, I too live in Brazil, although, my Paypal account is tied to my US bank account.

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25. 66

    Arachneaposted 10 years ago

    The one thing I like most about PayPal is that wherever it is accepted, I don't have to share my cc info with the vendor. If I had my ruthers, PayPal would be accepted anywhere one shops online so I don't have to share my cc information with anyone.

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       Rochelle Frankposted 10 years agoin reply to this

       This is also an advantage for the seller. If you have a small business, you can TELL CUSTOMERS that you only accept payment through PayPal, because you don't want to have  customer Visa card numbers or bank account  numbers. ( Also, you don't pay a fee to Visa for using their system).

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       1. 80

          joanhallposted 10 years agoin reply to this

          Agree 100%.  Earlier this year, a small online business I patronize notified me that they had been hacked and a lot of customer financial information might have been compromised.  When I heard the news I was SO glad that my own online business doesn't have to worry about that.  I only use PayPal, so I have no contact with anyone's credit card info.

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26. 80

    Susan Zutautasposted 10 years ago

    I've had a PayPal account now for about 5 years and I've always been happy with them. I've never had any problems whatsoever. I find PayPal easy and convenient to use.

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27. 68

    Rachael Tateposted 10 years ago

    I love Paypal.  So simple to use and transfers money directly to your nominated account without you having to do a thing.

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28. 59

    samihipendoposted 10 years ago

    I didn`t know you can earn money on hubpages

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29. 60

    HumorousTshirtsposted 10 years ago

    Been using Paypal since 2008. Good for freelancer and business owner. They're the internet's #1 payment processor, so your client/customer will mostly trust them when sending you money.

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