Using Paypal (Very Urgent)

Submolecule

Submolecule

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I am a new paypal user (joined today),I have been reading the forums and I know there has been alot said.

I urgently need to purchase software only available on a American website,problem is they only accept paypal.


What are my options as a SA citizen in paying them using paypal seeing as I cannot transfer funds into my paypal account and do not own a credit card?

Any advice would be greatly appreciated.

Thanks
 
I'm also trying to set up a paypal account. I know that paypal accepts debit cards. But your debit card needs to have the visa or mastercard logo on it to function similarly to a credit card. Mine doesn't at the moment and I'll be going to the bank to sort this out at some point.

Also, your address on your paypal account must match that of your bank account otherwise your verification won't work.
 
Please let me know if you get yours to work. Nice information,didn't know that the address had to match.
 
You can only use Paypal if you have a credit card, and you can only buy stuff or send money to someone overseas. You cannot receive any payments.

Initially when you open the account, there will be a limit on the amount of funds that you can transfer, but after verification of your address (they send you a code via snailmail which you must send back to them) the limit is raised substantially.

Thank the SA Reserve Bank for not allowing us to use it as freely as other countries do.
 
For purchasing stuff from websites that accept Pay Pal you won't have a problem. The biggest issue with Pay Pal is that we can't receive money via Pay Pal into our SA credit cards.

The other problem is, and you will pick this up on Ebay a lot, most Ebay sellers will say they will only ship to confirmed paypal addresses. Basically US and some European banks will confirm your Credit Card address with Pay Pal, and you get a Confirmed Address status on Pay Pal. SA Banks don't do this so the best we can get is verified status, ie we have verified a nominal amount paypal process on our credit card.

In summary for South Africans using Paypal :

1) We can not receive money into SA credit cards via Pay Pal
2) We can verify our credit card and get verified status
3) We can NOT get the confirmed address status.

If you are just going to use your PayPal account to make payments then you should be fine, except if the person only ships to confirmed paypal addresses.
 
warwickw said:
3) We can NOT get the confirmed address status.
Click to expand...

Yes,you can...

You can get a confirmed address after a certain amount of purchases from various vendors.Paypal uses a 10-point system for you.Exactly how they calculate it i don't know,but what i do know is after a certain amount of purchases from an x amount of different vendors,your address automatically becomes confirmed.

Contact them and ask about it.
 
If you want a mastercard debit card that can verify your paypal account have a look at payoneer, to load money onto the card with moneybookers you can use getafreelancer to do this.
 
The bugger is that if something goes wrong, goods don't arrive etc - no refund! This happened to me, but lucky it was a small amount.
 
Ivork said:
The bugger is that if something goes wrong, goods don't arrive etc - no refund! This happened to me, but lucky it was a small amount.
Click to expand...

No. If your account is not confirmed and you're the buyer and do not receive goods, the seller is screwed. You will get refunded. Hence sellers don't want to sell to unconfirmed address accounts.
 
HugeFan said:
I am a new paypal user (joined today),I have been reading the forums and I know there has been alot said.

I urgently need to purchase software only available on a American website,problem is they only accept paypal.


What are my options as a SA citizen in paying them using paypal seeing as I cannot transfer funds into my paypal account and do not own a credit card?

Any advice would be greatly appreciated.

Thanks
Click to expand...


Pre paid debit card works like a normal credit card online

Get Real Free Debit Card from
http://www.theambassadorscard.com
with my referral id: 7870014505

Go to "My Card", then "Get a Card"
Select your area
Enter my id: 7870014505
Continue with the rest

this card has a virtual US Bank account attach so it support payroll ACH direct deposit funding


once you receive you card in the mail activate it

Funding the card from South Africa made easy
1 Open a Alertpay account use link or copy and past in browser
http://www.alertpay.com/?/XmxaYB7m...ELuvZDLA==

2 Add you SA bank account to you profile and verify it
3 click on the deposit tab select bank transfer free
any amount over R590 is free to deposit into you alert account
you will receive deposit info for First National Bank
deposit code as you ref;

4 add the US virtual bank account witch is attach under your prepaid debit card

1.Name of the bank you are making transfer to

Palm Desert National Bank

2.Routing number for that bank

122244171

3.Account number

071138000+Last 8 digits of your card



Alertpay will make 2 small deposit to verify it once its verified you can convert your funds in you alertpay account to US dollers and withdraw it to the US bank account it will be availble on you pre paid debit card ready to use online offline anywhere you see a MasterCard or visa sign

know everybody can shop on the internet
 
JustAsk said:
Yes,you can...

You can get a confirmed address after a certain amount of purchases from various vendors.Paypal uses a 10-point system for you.Exactly how they calculate it i don't know,but what i do know is after a certain amount of purchases from an x amount of different vendors,your address automatically becomes confirmed.

Contact them and ask about it.
Click to expand...

Link? I don't believe this is true.

Why? Because I can't find anything on the PP Helpsystem.
Also I've been a PP member since 2003 and have made hundreds of payments and also received funds on numerous occasions. I've even gone through their
extended verification and have unlimited sending ability. I'm still not confirmed.
 
Last edited:
PeterCH said:
Link? I don't believe this is true.

Why? Because I can't find anything on the PP Helpsystem.
Also I've been a PP member since 2003 and have made hundreds of payments and also received funds on numerous occasions. I've even gone through their
extended verification and have unlimited sending ability. I'm still not confirmed.
Click to expand...

Its not exactly a thing you'll advertise.:(

One of my staff bought something off ebay and when she wanted to pay,the seller didn't accept an unconfirmed address.Paypal didn't let her do the payment,but there was a link for more info.Her "personal count" was 4 and she had to have 10.

And like i said...contact 'em and ask.

What is a confirmed address?

Question :
Answer :
It means that the buyer's credit card billing and shipping address are the same, or that PayPal has examined the buyer's PayPal account history and confirmed the address.
Click to expand...
 
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PeterCH said:
No. If your account is not confirmed and you're the buyer and do not receive goods, the seller is screwed. You will get refunded. Hence sellers don't want to sell to unconfirmed address accounts.
Click to expand...
umm, how? I can't receive funds (no link to SA credit card either).

[edit], are you saying that paypal can (as part of their secure payment policy guarantee), cause sure as hell the seller cannot (or couldn't when I had a problem 2 years back). Which still leaves the problem of how to withdraw said funds again.
 
Last edited:
If there is a way to get a confirmed South Africa address with paypal please, post links. This is something we have all been wanting for a long time.
 
Ivork said:
umm, how? I can't receive funds (no link to SA credit card either).

[edit], are you saying that paypal can (as part of their secure payment policy guarantee), cause sure as hell the seller cannot (or couldn't when I had a problem 2 years back). Which still leaves the problem of how to withdraw said funds again.
Click to expand...

I think we've got a miscommunication.

If you're a BUYER ie use PayPal to PAY a SELLER (eg on eBay) and you're in SA, you can't have a confirmed postal address. In fact most countries don't have that option, AFAIK it's only available in the UK, Canada, US and possibly one or two other countries. Ok say you're using PayPal to pay for an item but you have an UNCONFIRMED postal address with a VERIFIED PayPal account. Most sellers will still ship to you (those which ship internationally) but if your
parcel get's lost the seller does not have any protection from PayPal because
your address is unconfirmed. So unless the seller uses a courier like FedEx which PayPal can check itself online, there is no way for the seller to prove that you've received the item. If the item fails to arrive and the seller refuses to reship it or refund you, you file a dispute with PayPal and the onus is on the seller to PROVE that you received the item. Unless he's used a courier
like FedEx with an online tracking form which actually states that YOU
signed for the item, PayPal will withdraw the funds from his account and
return them to you. Once you file a dispute, PayPal freezes the value of the
disputed payment in the sellers account, if they can't recover those funds they may DEBIT his associated BANK account but first freeze his PayPal account and you get your refund. If the address is confirmed and the account has been hacked or some fraud has been comitted the seller is automatically protected against the confirmed account by PayPal.

To summarise:

If the seller sells to an unconfirmed PayPal address, the item never arrives because the buyer is a scammer (and lies about non-arrival) or the item genuinely does not arrive and a non-trackable method of delivery was used (includes airmail, EMS, registered mail, surface mail) then the seller will have to refund the buyer the money. If the buyer's postal address was confirmed
PayPal offers protection for the buyer. In this case PayPal is supposedly responsible for paying the bill and refunding the buyer for the missing item.

There's another variation to this. If you buy an item on eBay and the item
arrives NOT as described, PayPal will refund you (from the seller's account)
but you first have to prove you returned the item to the seller. This means you have to FedEx or DHL it back - which is often very expensive.
Once PayPal can check the online tracking for FedEx then they release the funds - ie the seller's account is debited (if it's empty then his PayPal account is frozen and his bank account is debited) and you the BUYER get refunded.

PayPal according to eBay forums and sites like PayPalSucks.com is very
unfair towards SELLERS (ie receivers of funds). These are also the people who bear the costs. Judging by all the complaints I've read on Ebay forums,
various websites and forums, I'd avoid PayPal as a payment solution, even
if somehow it's possible to have a receiving PayPal account in SA.
 
PeterCH said:
Why not use CCBill.com?

They have South Africa on their list of countries:
https://clientsignup.ccbill.com/signup.cgi?flowTypeId=8

You can accept Visa, MC, Discover, Diners, JCB and debit cards from MC and Visa.
Click to expand...

PayPal have a very strong brand, as such most consumers if they want to buy something want to do it via a payment gateway they can trust.

I've never heard of ccbill.com before not sure if I'd trust them. Not saying they are bad or anything just unsure if they are any good. More research needed.

I think we actually need to all bombard firstly PayPal with a request to support South Africa, do this over a 2 day period or something, and at the same time make the request to our local banks to support PayPal sending money to our credit cards and bank accounts.

Maybe if PayPal get a noticeable number of requests coming in they will actually pay some attention to us.
 
warwickw said:
PayPal have a very strong brand, as such most consumers if they want to buy something want to do it via a payment gateway they can trust. .
Click to expand...

Maybe I'm just old fashioned but I never had this problem. In fact PayPal has always been the odd one out, together with Moneybookers. Sites which
process credit cards themselves have always felt better more reliable after all
PayPal is just a processor for the common man (ebay sellers).

CCBill is very old, as old as PayPal.
 
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