Complete Guide: How to Create and Use a PayPal Account
This is a full, ready-to-use guide explaining how to create a PayPal account, link your card, withdraw money, solve common activation problems, and understand PayPal fees.
✅ How to Register a PayPal Account — Step by Step
1️⃣ Visit the Official Website or App
-
Go to the official PayPal website
-
Or download the PayPal app from:
-
Google Play
-
App Store
-
-
Always make sure you are using the official PayPal platform to avoid scams.
2️⃣ Choose the Account Type
🔹 Personal Account
Best for:
-
Individual use
-
Online shopping
-
Sending and receiving money
🔹 Business Account
Best for:
-
Businesses and freelancers
-
Receiving customer payments
-
Creating invoices and payment links
3️⃣ Enter Your Basic Information
Fill in your details carefully:
-
Email address (this becomes your PayPal login)
-
Strong password
-
First and last name (must match your bank card)
-
Phone number
-
Home address
⚠️ Your information should match your banking details to avoid verification problems later.
4️⃣ Confirm Your Email Address
-
Check your inbox
-
Open the message from PayPal
-
Click Confirm your email address
Without email confirmation, your account will remain limited.
5️⃣ Confirm Your Phone Number
-
PayPal may send a verification code by SMS
-
Enter the code to verify your number
-
This improves account security and recovery options
💳 How to Link a Bank Card — Detailed Steps
Steps:
1️⃣ Log in to your PayPal account
2️⃣ Go to Wallet
3️⃣ Click Link a Card
4️⃣ Enter:
-
Card number
-
Expiration date
-
CVV security code
-
Billing address
5️⃣ Click Confirm
Card Verification:
-
PayPal will charge a small temporary amount (about $1–$3)
-
A 4-digit code appears in your card statement
-
Enter that code in PayPal to confirm the card
-
The charged amount is refunded
⚠️ Your card must be:
-
Enabled for online payments
-
Not expired
-
Have a small balance available
💸 How to Withdraw Money from PayPal
Withdraw to a Card
1️⃣ Log in to PayPal
2️⃣ Click Transfer Money
3️⃣ Select Withdraw to Card
4️⃣ Choose your linked card
5️⃣ Enter the amount
6️⃣ Confirm
⏱️ Time: Minutes up to 3 days depending on bank and country
Withdraw to a Bank Account (If Supported)
1️⃣ Link your bank account in Wallet
2️⃣ Choose Withdraw to Bank
3️⃣ Enter amount
4️⃣ Confirm
⏱️ Time: Usually 1–5 business days
🛠️ Common Activation Problems and Solutions
❌ Email Confirmation Not Received
-
Check Spam/Junk folder
-
Request a new confirmation email from settings
❌ Card Declined
Common reasons:
-
Card not enabled for online use
-
Insufficient balance
-
Billing address mismatch
-
Unsupported prepaid card
✔️ Solution: Contact your bank and enable online transactions
❌ Account Limited
May happen when:
-
Unusual activity detected
-
Receiving large amounts quickly
-
Incomplete profile information
✔️ Solution:
-
Upload ID document
-
Provide proof of address
-
Complete requested verification steps
❌ SMS Code Not Arriving
-
Check phone number accuracy
-
Retry sending code
-
Use voice call option if available
🔒 Important Security Settings (Highly Recommended)
Enable:
-
Two-Factor Authentication (2FA)
-
Login alerts
-
Security questions
Never share:
-
Your password
-
Verification codes
-
Card details
💰 PayPal Fees Explained
🟢 Usually No Fees For:
-
Creating an account
-
Paying for online purchases
-
Sending money locally to friends/family (depends on country)
🟡 Possible Fees For:
Receiving Business Payments
-
About 3%–5% + fixed fee
Currency Conversion
-
Exchange rate markup + ~3–4%
International Payments
-
Higher than domestic fees
Card Withdrawals
-
May include a small fixed or percentage fee
⚠️ Best Practices to Avoid Problems
-
Use your real legal name
-
Do not link someone else’s card
-
Match account country with your bank/card country
-
Do not use a personal account for heavy business activity
-
Keep your identity verified
0 Comments