Information About Paypal Mehr Kontrolle – auch das versprechen wir
PayPal ist ein börsennotierter Betreiber eines Online-Bezahldienstes, der zur Begleichung von Mittel- und Kleinbeträgen zum Beispiel beim Ein- und Verkauf im Online-Handel genutzt werden kann. Mit PayPal nutzen Sie Geld auf einem höheren Level: Shoppen Sie weltweit und zahlen Sie innerhalb weniger Sekunden – einfach, sicher und schnell. Das ist wie ein Portemonnaie, nur digital. Bei jedem Einkauf haben Sie die Wahl, ob Sie mit Ihrem Bankkonto oder Ihrer Kreditkarte bezahlen möchten. PayPal ist. PayPal's risk and fraud tools use Personal Data, Device Information, Technical Usage Data, and Geolocation Information from our Sites and. Deshalb verwenden wir Informationen, wie Ihre letzten Transaktionsdaten, um zu erfahren, was Sie gerne kaufen und verkaufen. Und dann passen wir das, was.
Die Informationen der Teilnehmer werden bei jeder Überweisung mit TLS geschützt. Die Finanzdaten des PayPal-Mitglieds, wie beispielsweise die. Erst wenn Sie Ihre Bestellung über Paypal bezahlt haben, schicken wir die Bestellung los. Mehr Informationen zu Paypal und die Möglichkeit sich zu registrieren. PayPal's risk and fraud tools use Personal Data, Device Information, Technical Usage Data, and Geolocation Information from our Sites and. For example, if you connect your Account to a social media account, we will receive Personal Data from the social media provider via Kobold Goldtopf account connection. Anfang Februar hat eBay bekanntgegeben, dass die Zusammenarbeit mit Paypal nur noch bis in der bestehenden Form fortgeführt wird. We may require you to provide us Softgames additional Personal Data as you use our Services. Im internationalen Zahlungsverkehr wurden Drogenkonsum 1990 werden Gebühren erhoben, die von PayPal unterboten werden konnten. Abgerufen am 3. Disclose necessary information to your agent or legal representative such as the holder of a power Commerzbank Anleihe attorney that you grant, or a guardian appointed Geld Herz you. Disclose your name and PayPal link in the PayPal user directory. Daher geben wir Ihre Daten Sonic Ultimate Flash an Händler weiter. Die einzige Ausnahme sind Aktualisierungen der Nutzungsbedingungen, die per E-Mail aus rein Lastschrift Bankeinzug Gründen verschickt werden müssen. In Stern In www. Probieren Sie es jetzt aus. Apple Inc. In: finanzen. Um mit PayPal Geld an einen anderen Teilnehmer zu senden, gibt es mehrere Einzahlungsmöglichkeiten :. Die Informationen der Teilnehmer werden bei jeder Überweisung mit TLS geschützt. Die Finanzdaten des PayPal-Mitglieds, wie beispielsweise die. Erst wenn Sie Ihre Bestellung über Paypal bezahlt haben, schicken wir die Bestellung los. Mehr Informationen zu Paypal und die Möglichkeit sich zu registrieren. and credit card information as all of this information is already stored with PayPal. unfinished debit transaction, waiting for the result of the PayPal Payment. Informationen hierzu kontaktieren Sie am besten direkt PayPal. Direktes Verbuchen von Bestellungen. Mit der Option "Buchung" legen Sie. Saving account cards; Cash on Delivery. Wire transfers. Bank transfers. PayPal. Erlagschein (Austria); Maestrocard (Austria). Ist diese Information hilfreich? Ja.
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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.
In Australia , PayPal is licensed as an authorised deposit-taking institution ADI and is thus subject to Australian banking laws and regulations.
In Singapore, PayPal is the holder of a stored value facility that does not require the approval of the Monetary Authority of Singapore. 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 a 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. Account-holders enter their login ID and password as normal but are 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, users may append the code generated by the hardware key to their password in the login screen.
This way they are 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 the 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 their 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: a "fraud monitoring system that used artificial intelligence to detect potentially fraudulent transactions.
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. 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 had reported a cross-site scripting flaw on its site.
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.
In May PayPal blocked the account of a Russian human rights organisation "RosUznik", which supported political prisoners arrested at Bolotnaya Square case.
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 an account intended to raise money for the distribution of Boris Nemtsov 's report " Putin.
War ". 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. In September , PayPal banned radio host Alex Jones and his website InfoWars , claiming that his site has content that was hateful and discriminatory against certain religious groups.
PayPal discontinued payments to Pornhub models on November 14, ,  alleging that "Pornhub has made certain business payments through PayPal without seeking our permission".
Most of the allegations concerned PayPal's dispute resolution procedures. The two lawsuits were merged into one class-action lawsuit In re: PayPal litigation.
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. PayPal Inc. 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.
The claimants accused PayPal of deliberately failing to notify its customers that ICC-Cal was illegally charging them for currency conversion fees.
A class-action lawsuit filed in was settled in , in which the plaintiffs contested PayPal's "holds" on funds. PayPal which has yet to be ratified.
As part of the settlement, the company agreed to change some of its policies. It alleged that PayPal had promised discounts and payment options the consumers never received, and that users trying to sign up for the regular, non-credit, PayPal accounts were signed up for credit accounts instead.
From Wikipedia, the free encyclopedia. Redirected from Paypal. This is the latest accepted revision , reviewed on 26 August Online financial services company.
Further information: Timeline of PayPal. Main article: Security token. See also: Criticism of eBay. Retrieved April 7, Retrieved August 27, Retrieved June 16, Alexa Internet.
Retrieved August 14, Archived from the original on May 30, Retrieved March 14, Retrieved September 6, Retrieved November 7, Retrieved February 28, CNET News.
Retrieved March 16, The New York Times. Retrieved November 23, Retrieved March 18, Retrieved November 11, September 5, Entrepreneur Magazine.
August 9, Fast Company. WND Books. April 20, Retrieved March 31, Business Insider. The Verge. ECommerce Times. CNET Networks. Retrieved November 13, Venture Beat.
October 27, Retrieved October 28, CNN Money. Inc Magazine. June International Business Times. September 15, Retrieved September 16, Retrieved on Dow Jones.
Retrieved October 14, Silicon Valley Business Journal. Retrieved September 30, Retrieved February 11, Tech Crunch. Retrieved September 1, May 17, Retrieved May 18, March 19, Retrieved March 24, Retrieved December 11, Retrieved January 20, October 6, Retrieved June 30, April 14, Retrieved July 11, PayPal Stories.
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You can send funds to anyone with an e-mail address , whether or not your recipient has a PayPal account. To receive the funds, though, the recipient must have a PayPal account associated with that e-mail address.
Basic PayPal accounts are free, and all purchases made in the United States with the service are also free [source: PayPal ].
The company charges fees for sellers, international transactions, and sending money with a credit or debit card. If you have a PayPal account, you can add and withdraw funds in many different ways.
You can associate your account with bank accounts or credit cards for more direct transactions, including adding and withdrawing money.
Other withdrawal options include using a PayPal debit card to make purchases or get cash from an ATM or requesting a check in the mail.
In this article, we'll show you how to use PayPal, find out how the transactions are made, and learn something about the company's history.
Let's start with how to sign up for your own PayPal account. Signing up for PayPal is quick, and doesn't even require you to enter any bank account information.
However, if you want to use many of PayPal's features, you'll need to add and verify a checking account or credit card. To get started, just click the "sign up" link at the top of the site's home page.
In the next window, you'll choose whether you want a personal, a business or premier account. If you just plan to use PayPal for eBay auction or other purchases, a personal account is the right choice.
If you intend to use PayPal to accept payments for a business, then a business or premier account would be more suitable. If you select a personal account, you can upgrade in the future.
Once you click to create your account, you'll receive an e-mail with instructions for verifying your account and confirming your address.
From here, you should know what PayPal means when it refers to this verification and confirmation process. Having your information vetted by PayPal shows both buyers and sellers that you are less likely to be a scammer.
From a buyer's perspective, PayPal changed the way people exchange money online. Behind the scenes, though, it didn't fundamentally change the way merchants interact with banks and credit card companies.
PayPal just acts as a middleman. To understand what that means, consider that credit and debit card transactions travel on several different networks.
When a merchant accepts a charge from a card, that merchant pays an interchange , which is a fee of about 10 cents, plus approximately 2 percent of the transaction amount.
The interchange is made up of a variety of smaller fees paid to all the different companies that have a part in the transaction: the merchant's bank, the credit card association and the company that issued the card.
If someone pays by check, a different network is used, one that costs the merchant less but moves more slowly [source: Ellis ]. What part does PayPal play in all this?
Both buyer and seller deal with PayPal instead of each other. Both sides have provided their bank account or credit card information to PayPal. PayPal, in turn, handles all the transactions with various banks and credit card companies, and pays the interchange.
PayPal makes its own money in two ways. The first is the fees they charge to a payment's recipients. Though most transactions are free for the average user, merchants pay a fee on transactions.
PayPal also collects interest on money left in PayPal accounts. All the money held in PayPal accounts is placed into one or more interest-earning bank accounts.
The account holder doesn't receive any of the interest gained on the money while it sits in a PayPal account. PayPal touts its presence as an extra layer as a security feature.
That's because everyone's information, including credit card numbers, bank account numbers and address, stays within PayPal. With other online transactions, that information is transmitted across all the networks involved in the transaction, from the buyer to the merchant to the credit card processor.
As an added layer of security, PayPal also offers a PayPal Security Key , a two-factor authentication 2FA method that creates a temporary six-digit code when the user attempts to log in.
PayPal sends the code to the user's registered phone. When entered, the code allows access to the PayPal user's account [source: PayPal ].
Next, let's roll back the clock and see how PayPal came to be the biggest name in online payment services.
After a series of scams exploited the company's payment system, PayPal formulated a plan to prevent criminals from using computer programs to open dozens of fraudulent accounts with stolen credit card numbers.
This system, known as the "Gausebeck-Levchin" test, requires new account creators to type in a word found in a small image file on the account creation page.
A script or a bot can't read this word; only a human can decipher it. PayPal also uses special programs to detect potentially fraudulent activity.
These programs watch for signs of fraud, such as sudden increases in volume or quantity of transfers, denied credit card charges or invalid IP addresses [sources: Balko , CMU , PayPal ].
Operating out of Silicon Valley, the idealistic vision of the company was one of a borderless currency, free from governmental controls.
When venture capital funding combined with eBay transaction partnerships, PayPal quickly shot up to 1 million users after just 15 months [source: PayPal ].
However, PayPal's success quickly drew the attention of hackers, scam artists and organized crime groups, who used the service for frauds and money laundering.
New security measures stemmed the tide of fraud and customer complaints, but government officials soon stepped in.
Regulators and attorneys general in several states, including New York and California, fined PayPal for violations and investigated the company's business practices.
Some states, such as Louisiana, banned PayPal from operating in their states altogether. PayPal has since received licenses that allow them to operate in these places [source: Jackson ].
Despite the initial turmoil, PayPal's market share continued to grow. The service grew so quickly that it soon became the de-facto default online payment service.
Buyers wanted to use it because so many merchants accepted it, and merchants accepted it because so many buyers were using it. PayPal owes much of its initial growth to eBay users who promoted PayPal as a way to exchange money for their online auctions.
Sellers with PayPal accounts can place icons in their auctions so that buyers can simply click on the PayPal logo when they win an auction to make an immediate payment [sources: Kane , Wolverton , PayPal ].
Since , PayPal has remained a steady leader in providing online transaction services. It expanded its services in the United States to include such features as debit cards for its accounts.
By , PayPal had million active users and was available in over countries [source: PayPal ]. This worldwide expansion has brought PayPal a little closer to Thiel's and Levchin's original idealistic vision.
Earlier, we discovered that PayPal has three account types: personal, premier and business. All account types can send and receive money, but where PayPal appeals to individuals who want to make personal payments with security and flexibility, the company reaches out to professionals with a suite of other products, including online shopping carts, shipping assistance, and invoicing.
PayPal also offers business loans to help fledgling companies get started [source: PayPal ]. Besides these functions, the three accounts also share certain features and limitations.
However, you'll pay a fee for something that requires a currency exchange. Unverified accounts, including those without an associated bank account or credit card , have more restrictive sending and withdraw limits.
The three PayPal account types differ in some important ways. First, personal accounts give you access to the core features, but that's all.
PayPal handles customer support for personal accounts primarily by e-mail or through a virtual customer support agent at the PayPal website.
Premier and business accounts are similar, but business accounts must be registered with a business or group name, while a Premier account can be registered with a business, group or individual.
Also, you can set up multiple users to access a business account. These extra features come at the cost of transaction fees, which we'll take a closer look at later.
If you're starting your own PayPal account for a business, compare the fees and services from PayPal against other credit card transaction services to determine which works best for your needs.
Consider that with PayPal, most of the code you'll need to add to a website is automated for you, too. Shopping cart functions or "pay now" buttons may not be as easy to implement through other services.
Once you have your account, you're ready to send and receive money. Next, let's look at how to use PayPal for sending money.
Though PayPal rose to stardom via eBay , one of the keys to PayPal's success has been its ability to expand beyond that market.
You can use it to send money to a friend, donate to charity and buy items online. In order to send money using your PayPal account, you'll need one of two things:.
From there, it's just a matter of knowing your recipient. To send money to a person, all you need is the email address associated with that person's PayPal account.
For an organization or business, you can usually send money from a PayPal link at its website. From the sender's perspective, PayPal is a free service.
In fact, if you send money directly from a checking or savings account, there are never any fees involved. The one exception would be if you pay for something by taking a cash advance from your credit card.
While PayPal might not charge you for this service, your credit card provider probably will. In , PayPal was spun off as an independent company.
Throughout its history, PayPal has acquired other companies that serve different parts of the financial transaction, digital money transfer, and payments markets.
Some of these acquisitions brought technology enhancements and additional features that were incorporated into the PayPal platform as the companies were absorbed.
PayPal doesn't charge a fee for purchases. Other fees vary based on the type of service. Money can be transferred for free internationally if both parties have PayPal accounts.
This makes PayPal a competitive force in the world of bank transfers when sending U. When foreign currency is accepted into another country, PayPal's fees become more comparable to that of a traditional bank.
This sounds simple until you dig deeper and find all the different packages and services available to merchants.
PayPal's fee structure for merchant transactions is different from its personal account transfers. PayPal charges between 2. Purchases made with a select few online retailers may include a discount from PayPal or a cashback offer of some sort.
PayPal also offers its own credit card through Synchrony Bank. Approved applicants are supplied with MasterCards branded with the PayPal name. The company also finances large purchases, extends lines of credit , and provides customers with debit MasterCards which use PayPal balances to pay for purchases in a brick-and-mortar store or to withdraw cash.
Your Money. Personal Finance. Your Practice. Popular Courses. Business Company Profiles. What Is PayPal? Key Takeaways PayPal is an online payment platform that offers individuals and businesses low-cost services.
PayPal has been its own company since In addition to online payments, PayPal also offers a variety of related services including debit cards for payments, credit card readers for small merchants, and lines of credit.
PayPal is considered a very secure method of sending payments online. PayPal charges users a fee for instant transfers. Compare Accounts.