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Starting and Verifying a PayPal Account in India

Updated on October 26, 2020
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I'm a self-confessed internet junkie who spends way too many hours staring at my laptop screen (with love, of course).

Starting a PayPal Account in India

The first time I decided to use PayPal I was skeptical. I mean, it is something new and no one in my family has ever received or sent money using PayPal before. This kind of meant that I was on my own and I had to depend on self-learning to understand the whole process involved in verifying my Paypal account.

Learning how to withdraw funds from my PayPal account and verifying my PayPal account wasn't that easy as I thought. I made some blunders along the way and learned from them. I hope this article helps you out in reducing your own mistakes and makes it easier for you to verify and withdraw funds using Paypal in India.

Please note: I created a PayPal account way back in 2010. The process might slightly vary now from what it was back then. Feel free to mention any new steps you encountered in the comments section below so that others can benefit from them.

Why I Wanted To Use Paypal

I was a lensmaster at Squidoo. I created pages (called 'Lenses') on topics that were of interest to me and got paid for it. Squidoo was great for getting some passive income (until it went down) but you needed a PayPal account to receive payments. I had no other option than to create one.

Many international businesses offer payments using PayPal so in case you are a freelancer in India who is looking out for work from around the globe, having a PayPal account is a must.

Doubts I had About PayPal - Answered

1. What information should I give if someone wants to transfer money to my PayPal account?

You just have to provide your email ID with which your PayPal account is registered. As simple as that. No need for revealing too many details and it's safe and secure.

2. Can I safely withdraw money to my bank account?

Yes, you can! I remember entering my bank account number in the wrong way a couple of times (details about it later on) and they just sent the amount back to my PayPal account. But, of course, there is a fee for that and you can lose around 250 Rupees each time you enter the wrong information. PayPal is strict that way!

3. What information is needed to withdraw funds from PayPal?

  • The IFSC code (a 13 digit number) of your bank. You can contact your bank and ask them about it. But I was able to locate it even on the web after searching for it.
  • Do take note that you need to enter the FULL account number (which means your account number that can be used internationally and is generally longer than the number provided in your checks and savings book). I repeatedly entered the shorter version of my bank account number three times and they got rejected! So do take note of this and save money.

4. Does Paypal allow withdrawing funds to Canara Bank?

I have an account at Canara Bank and I was skeptical whether such a thing would be supported. But I was glad to find out that they did, even if the employees weren't aware of what a PayPal account was.

5. How many days can I keep my money in my PayPal account?

Unfortunately, you cannot keep the money in your PayPal account because of strict Indian regulations. They will be auto withdrawn to your bank account within 24 hours.

6. Can I use PayPal for online shopping in India?

You can use PayPal on Indian shopping websites if supported.

7. How many days will it take for the cash to reach my bank account in India?

Mine usually reaches in about 2 to 3 days.

How To Verify Your PayPal Account

Verification isn't compulsory in the beginning, but it's recommended so that you can lift your sending and withdrawing limits. This means that after verifying you can withdraw as much cash you want from your PayPal account. Otherwise, there is a limit that you can withdraw each month to your bank account in India.

Once you enter your bank account details, PayPal will send two small amounts to the bank account number you mentioned. You just have to check that and enter the amounts after clicking the 'Confirm Bank Account' link present on the right side of your Paypal account page. You can then withdraw and send as much cash as you want.

Is your bank aware of PayPal?

See results

This content reflects the personal opinions of the author. It is accurate and true to the best of the author’s knowledge and should not be substituted for impartial fact or advice in legal, political, or personal matters.

Ā© 2010 Kalpana Iyer


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