Bei PayPal ist das Wichtigste immer gratis: Ihr Konto. Erst bei einem Verkauf bzw. Geldempfang erheben wir eine Gebühr von 3,4% + 0,35 Euro. Außerhalb der. With the LevelUp mobile app, consumers register for a free account, enter their payment information and receive a personal QR code to scan and pay at more. So einfach funktioniert PayPal. In wenigen Schritten eröffnen Sie ein Konto und können sofort mit PayPal bezahlen. Gebührenfrei und sicher.
Bob Haring has been a news writer and editor for more than 50 years, mostly with the Associated Press and then as executive editor of the Tulsa, Okla.
Haring holds a Bachelor of Journalism from the University of Missouri. Most online shoppers using PayPal don't have to worry about extra fees. Selling Fees Individual sellers, such as those offering items on eBay, pay fees depending on the amount of the sale.
Free Transfers You don't pay anything to send money to someone who also has a PayPal account if you transfer funds from your bank account. International Rules You can use PayPal for international transactions, but there will always be a fee with those.
Account Types Most PayPal users set up individual accounts. Security All PayPal transactions are automatically secured, but individual users are responsible for securing their user identifications, passwords, personal identification numbers or any other information used to verify account activity.
Video of the Day. Brought to you by Sapling. About the Author Bob Haring has been a news writer and editor for more than 50 years, mostly with the Associated Press and then as executive editor of the Tulsa, Okla.
Related Articles PayPal vs. More Articles You'll Love. When you send personal payments using a credit card, the sender always pays the fee.
For more information on the fees to send money as a personal payment using a debit card or credit card please visit our fees page.
You can transfer money from your PayPal account to your bank account at no cost. If you prefer to receive a check, there will be a fee charged.
You can also move money to your bank account using an eligible debit card linked to your PayPal account, an applicable fee will be charged.
Log in to your PayPal account. Click the payment you want to review. What are the fees for Acorns accounts?
Enter your personal information, including name, address and phone number. This will create your basic account. Log in to your account. If you will be using your PayPal account to make purchases online or to receive payment, you must add a checking account.
Enter your bank name, routing number and account number in the fields provided. You can find your routing and account numbers for your checking account at the bottom of one of your personal checks.
After a few days, log in to your bank to view your checking account. Once you have determined the amount of the deposits into your checking account, return to PayPal and enter in those amounts where it says "Verify This Account.
Is Pay Pal Free VideoWhat is PayPal and How Does it Work?
Me page link with friends and family; splitting a bill, chipping in for a present, or reimbursing a friend has never been easier. For your freelance activity.
Whether you design websites or sell your creations online, invoices or awkward payment reminders are a thing of the past. Just share your link and get paid.
Let your customers secure orders or book your services, just by following a link. And with your business account, you benefit from our Seller Protection.
Why should I use PayPal. Ask anyone Who still has the time to write a check or set up a complicated bank transfer?
PayPal provides free analytics to traders about the ways that consumers utilise online payments. PayPal's code gathers the consumer information which can be installed on the trader's website.
Thiel, a founder of PayPal, has stated that PayPal is not a bank because it does not engage in fractional-reserve banking. In the United States , PayPal is licensed as a money transmitter , on a state-by-state basis.
Ordinarily, a credit card transaction, specifically the relationship between the issuing bank and the cardholder, is governed by the Truth in Lending Act TILA 15 U.
Basically, unless a PayPal transaction is funded with a credit card, the consumer has no recourse in the event of fraud by the seller.
In , PayPal Europe was granted a Luxembourg banking license, which, under European Union law, allows it to conduct banking business throughout the EU.
This ceased in , when the company moved to Luxembourg. In India , as of January , PayPal has no cross-border money transfer authorization.
The PayPal Buyer Protection Policy states that the customer may file a buyer complaint if he or she did not receive an item or if the item he or she purchased was significantly not as described.
The customer can open a dispute within days for registered UK residents days, changed 14 June from the date of payment and escalate it to a claim within 20 days from opening the dispute.
If the buyer used a credit card, he or she might get a refund via chargeback from his or her credit-card company. However, in the UK, where such a purchaser is entitled to specific statutory protections that the credit card company is a second party to the purchase and is therefore equally liable in law if the other party defaults or goes into liquidation under Section 75 Consumer Credit Act , the purchaser loses this legal protection if the card payment is processed via PayPal.
Also, the Financial Ombudsman Service position is that section 75 protection does not apply where PayPal or any eMoney service becomes involved in the credit card transaction.
This leaves consumers with no recourse to pursue their complaint with the Financial Ombudsman Service. They only have recourse with the courts.
This is a legal authority that section 75 protection does exist where one has paid on credit card for a product, via an eMoney service.
In general, the Seller Protection Policy is intended to protect the seller from certain kinds of chargebacks or complaints if the seller meets certain conditions including proof of delivery to the buyer.
PayPal states the Seller Protection Policy is "designed to protect sellers against claims by buyers of unauthorized payments and against claims of non-receipt of any merchandise".
The policy includes a list of "Exclusions" which itself includes "Intangible goods", "Claims for receipt of goods 'not as described ' ", and "Total reversals over the annual limit".
In early , PayPal introduced an optional security key as an additional precaution against fraud. The account holder enters his or her login ID and password as normal but is then prompted to enter a six-digit code provided by a credit card sized hardware security key or a text message sent to the account holder's mobile phone.
For convenience, the user may append the code generated by the hardware key to his or her password in the login screen.
This way he or she is not prompted for it on another page. This method is required for some services, such as when using PayPal through the eBay application on iPhone.
This two-factor authentication is intended to make it difficult for an account to be compromised by a malicious third party without access to the physical security key, although it does not prevent so-called Man in the Browser MITB attacks.
However, the user or malicious third party can alternatively authenticate by providing the credit card or bank account number listed on his or her account.
Thus the PayPal implementation does not offer the security of true two-factor authentication. As early as , PayPal had substantial problems with online fraud , especially international hackers who were hacking into PayPal accounts and transferring small amounts of money out of multiple accounts.
Standard solutions for merchant and banking fraud might use government criminal sanctions to pursue the fraudsters. But with PayPal losing millions of dollars each month to fraud while experiencing difficulties with using the FBI to pursue cases of international fraud, PayPal developed a private solution: Rather than treating the problem of fraud as a legal problem , the company treated it as a risk management one.
In , , Spanish card holders had their funds frozen in an apparent fraud case involving a PayPal service provider, Younique Money, which was the de facto administrator of the cards.
As of March most funds had not been returned. These cards are provided by the corporation InComm. Funds can only be loaded to PayPal accounts, and are done so by scratching off silvering on the rear of the card to reveal a secure PIN.
Employees have taken PINs and loaded or traded them for their own purposes. Meanwhile, victims have their claims investigated by the company ITC Financial Licenses under InComm, with a very broken model which blames victims as participants in Victim Assisted Fraud.
A video reveals a PIN number being known before silvering has been scratched off, and the victim was able to trace the account one of the cards was loaded to back to a former InComm Database Administrator.
In , PayPal voluntarily ceased serving as a payment intermediary between gambling websites and their online customers. At the time of this cessation, it was the largest payment processor for online gambling transactions.
In , PayPal resumed accepting such transactions, but only in those countries where online gambling is legal, and only for sites which are properly licensed to operate in said jurisdictions.
If an account is subject to fraud or unauthorized use, PayPal puts the "Limited Access" designation on the account. PayPal has had several notable cases in which the company has frozen the account of users such as Richard Kyanka, owner of the website Something Awful , in September ,  Cryptome in March ,    or April Winchell , the owner of Regretsy, in December The account was reinstated, and PayPal apologized and donated to her cause.
Persson stated publicly that he had not received a clear explanation of why the account was frozen, and that PayPal was threatening to keep the money if they found anything wrong.
PayPal's partner MasterCard ceased taking donations to WikiLeaks in , and PayPal also suspended, and later permanently restricted, payments to the website after the U.
State Department deemed WikiLeaks activities as illegal. Online supporters and activists retaliated by subjecting PayPal and MasterCard, along with other companies, to coordinated cyber attacks.
In February PayPal unbanned the account of a website that supports Iraq War resisters after it had enough information to fulfill its know your customer guidelines.
The Chelsea Manning Support Network claimed the backdown was a reaction to a petition to the company to reinstate the account. In May , PayPal declined to pay a reward offered in its Bug Bounty Program  to a year-old German student who discovered a cross-site scripting flaw on its site.
The company took the position that because the student was under 18 years old he did not qualify to participate in the program in violation of the program's terms and conditions.
In August , entrepreneurs who had used PayPal to collect the funds they raised on crowdfunding platforms like Kickstarter and Indiegogo reported difficulty in being able to withdraw the money.
As of January , a class-action lawsuit against PayPal has been filed in Israel ,  claiming that they arbitrarily freeze accounts and hold funds for up to days without paying interest and thereby directly profit from it.
The lawsuit requests that PayPal be declared a monopoly and thus regulated accordingly. In May PayPal blocked the account of a Russian human rights organisation "RosUznik", which supported political prisoners arrested at Bolotnaya Square case.
In May PayPal blocked an account intended to raise money for the distribution of Boris Nemtsov 's report " Putin. In , PayPal generated controversy after it was discovered that one of its founders, Peter Thiel, had funded a lawsuit brought by Hulk Hogan against Gawker.
By , ConsumerAffairs had received over 1, consumer complaints relating to PayPal policies. In February , PayPal froze the account of News Media Canada , a Canadian trade association , in response to a payment from The Reminder , a Flin Flon , Manitoba community newspaper , intended to cover the fee for the Reminder's submission of articles for consideration in a nationwide journalism contest run by News Media Canada, including one discussing Syrian refugees.
PayPal cited United States regulations as a reason for flagging the transaction between Canadian entities. They claimed his site has content that was hateful and discriminatory against certain religious groups.
Most of the allegations concerned PayPal's dispute resolution procedures. The two lawsuits were merged into one class action lawsuit In re: An informal settlement was reached in November , and a formal settlement was signed on June 11, PayPal denied any wrongdoing.
In June , Stamps. In a license agreement, Stamps. They sued, alleging illegal misappropriation of customer accounts and detailed their customer service experiences, including freezing deposited funds for up to days until disputes were resolved by PayPal.
PayPal argued that the plaintiffs were required to arbitrate their disputes under the American Arbitration Association 's Commercial Arbitration Rules.
The court ruled against PayPal, stating that "the User Agreement and arbitration clause are substantively unconscionable under California law. Consumers may also use PayPal to send and receive money over the Internet.
Setting up a free PayPal account is easy and takes very little time. Visit PayPal's website and click on "Sign Up.
Evaluate your online payment needs. There are three different types of PayPal accounts: Personal accounts are recommended if you just buy things online, but you should probably choose the premier account if you buy and sell online.
For both personal and premier accounts, it is free to open the account, send money and withdraw money to a checking account in the United States.
Once you have decided on the type of account that best suits your needs, click on the "Get Started" link.