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How to Set up a PayPal Account

As an eBay seller since 2005, we have some collective wisdom under our belts! We've shared some advice here. Hope it helps.

Learn how to set up your PayPal account quickly and easily.

Learn how to set up your PayPal account quickly and easily.

PayPal is a checkout feature that allows you to pay for items you purchased on eBay and other commerce websites using your linked bank account, credit card, or debit card. PayPal conceals your account or card numbers so that merchants, employees, and any other watching eyes cannot access your accounts.

PayPal can also allow you to send money to your friends, contractors, or other businesses. It allows secured financial transactions by encrypting your data. Paypal works well internationally, and it is often used as a sort of alternative bank.

Founded in 1998, it is the most recognized form of online payment in the world.

Setting Up an Account on

Personal Account for Online ShoppingBusiness Account

1. Click "sign up."

1. Click "sign up."

2. Click "personal account."

2. Click "business account."

3. Enter personal information. Choose your password, write it down, and keep it in a secure place.

3. Choose standard (free) or pro ($30/month for more features.)

4. Choose a security question.

4. Enter business information including address.

5. Enter your payment information, either your bank account or credit card number.

5. Choose password and security question.

6. Enter payment information (where funds paid to you will go.)

It is important that you confirm your address at the end of the process. This is a precaution that PayPal enforces to make sure you are who you say you are. It is also important that you confirm your shipping address. When moving to a new location, remember to change and confirm this address. To do this, log into your PayPal account, click "profile," then "street address." Change or confirm the address that is shown. To do this, simply click "profile," then click "street address." Make sure your credit card billing address is also correct.

Linking PayPal and eBay Accounts

To link your PayPal address to your eBay address book, log into your eBay account and follow these steps.

  1. Click the "addresses" link on the left side of the page.
  2. Click the "View all shipping addresses" link. Make sure you have linked your address book to your PayPal account. If you see an "add PayPal address" button, your account is not linked. Click this button to link the two.
  3. Once this button is clicked, you will be able to select your registered PayPal credit card billing address as your shipping address. You can also choose to "make primary" to ensure all of your purchases will automatically be shipped to this address.

Is PayPal Safe?

If you are new to PayPal, you may wonder why you shouldn't just use your credit cards or bank account information directly on shopping sites.

For online shoppers, it is much safer to use PayPal. This is because a password is required to log into your PayPal account. Just typing the credit card or bank account numbers into a website is not safe. Also, the majority of merchants on eBay do not accept anything but PayPal for a number of reasons. First, it protects both the seller and the buyer through fraud prevention measures. While not every merchant accepts PayPal (Amazon, for example, because they offer a competing service called Amazon Payments), it is an easy payment option on established websites like eBay, Zappos, BlueNile, and CafePress.

PayPal Poll

Beware of Phishing Scams

Phishing is when scammers try to lure you into logging into your PayPal account through an email sent to you directly. Most often, the word "PayPal" appears somewhere in the sender's email address or name. These messages often lead you to believe that your account has been compromised, that you need to enter your log in details as a security precaution, or something similar. The page will even have the official PayPal logo and look very official. Simply do not respond to these emails and never log into your PayPal account through an email. You can either delete these emails or report them to PayPal. Log into your own account through a browser if you have any doubts about your account.

Consequences of Paying With Other Online Options

Out of thousands of eBay transactions we have made, one of them was an unlucky fraud attempt. This seller did not accept PayPal, and we were new to eBay at the time. The item was a counterfeit item that we didn't realize was not authentic. We purchased the item with a money order. Once we received the item, we realized that the item was a fake and contacted the seller. No response.

A week goes by. A few emails later we received an indignant, nasty reply from the seller. They knew there was nothing we could do. eBay has no solid policy in place for money order transactions and cannot return your money. Yes, there are negotiation services you can use, but when the seller is resistant, you are helpless. If we had used PayPal for that transaction, we would have been saved. This is why it is of the utmost importance that you use PayPal for every eBay transaction. Avoid possible headaches!

This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.

© 2008 Kiwisoutback

Are you using PayPal?

Donald Bain on December 19, 2018:

I’m looking forward to an easy pleasant way to pay for products and receive money from friends and family

anonymous on February 18, 2013:

I could not live with out paypal love it so much

Kiwisoutback (author) from Massachusetts on December 20, 2012:

@ravendreamwalker: Exactly. You can add additional emails in your settings.

ravendreamwalker on November 02, 2012:

Stupid question: what is my PayPal email address? Is it the one I used to set up the PayPal account?

Ahdilarum on March 01, 2012:

Helped a lot in setting my paypal account. Thanks.

DoubleUnder on February 21, 2012:

I love PayPal, I use it for all my credit card transactions. Credit Card machines are old news and many times require a 1 - 2 year contract. It is recognized around the world and they do a good job with their security features. Right now I am only talking about the free services. I recommend PayPal to all small business owners. Good Lens, Thanks.

hirephp lm on February 01, 2012:

Paypal as a concept it is brilliant and always use it

mylinkcenter on January 30, 2012:

I have 2 paypal accounts. Nice lens.

FarrisFahad on January 14, 2012:

PayPal is the greatest checkout service provider :)

great article ...

Miha Gasper from Ljubljana, Slovenia, EU on December 06, 2011:

I heard a lot about PayPal and thinking about opening my own. You provided some valuable info. Thanks!

Steve Jones from Birmingham UK on October 01, 2011:

This is a very useful lens. I have PayPal on my website and have experienced no problems.

Jeanette from Australia on September 24, 2011:

A very handy lens for those thinking about setting a paypal account.

yesperu on September 22, 2011:

Paypal as a concept it is brilliant and always use it, until now I have been using paypal for 2 years already.

joeldgreat on September 12, 2011:

very useful information. nice to know people are sharing their ideas and experience over the use of paypal.

sidther lm on September 08, 2011:

I do have a paypal account! I just opened it when I started on Squidoo and I wish I had found this lens before I did that! Thank you for sharing these great tips.

ideadesigns on August 27, 2011:

Paypal is a great program. Thanks for the info!

Rhonda Albom from New Zealand on August 16, 2011:

Such great information. Blessed.

seeker2011 lm on August 13, 2011:

good information, thank you for this lense.

inflexi on July 20, 2011:

Thanks a lot kiwisouthback for such nice and informative tips about ply pal setup. Though i am using Pay Pal since long time, i am ignore about some features of it. Now onwards i am trying to use your tips.

sahilwaste on July 13, 2011:

A piece of good information... very helpful.. thank you..

TIRMassageStone1 on June 29, 2011:

Good advice for the beginner.

BruceBair on June 18, 2011:

even if you have a bank account and do not do any biz online, Paypal offers benefits like moneymarket accounts, high daily limits on charges and atm withdrawls etc... It is worth it to look at this as an online addition. For instance you can take a pic of a check, create a deposit and Papal will do it without you having to send them the paper. Just get the paypal app for iPhone or Android and an appropriate Paypal account of course.

nuntana on June 09, 2011:

thank you.

anonymous on May 31, 2011:

If a business owner is considering using paypal, they would be smart to first look into a traditional merchant account. While paypal has a much lower overhead and upfront costs, business owners that are preparing to do more than approximately $400 per month are almost always going to save significant money by using a merchant account. In addition small business owners have far more protections against things like chargebacks with a merchant account rather than paypal.

Tolovaj Publishing House from Ljubljana on May 29, 2011:

Thanks, this lens goes tomy favs:)

anonymous on May 17, 2011:

Thank you for this information on paypal. Exactly what I was looking for!

Duggy89 on May 09, 2011:

@anonymous: is it really safe to use paypal, i'm trying to buy something off and it won't let me use my mastercard unless i use PayPal

karitina on May 05, 2011:

Can you explain to me how to set up my paypal button on squidoo? PLEASE!!!!!

meekle69 on April 28, 2011:

thank you so much for clearing up my questions.

if you guys would like to make decent money online, check out my lens!!

mattseefood lm on April 16, 2011:

Thank you for this! Will i still get money even if I only linked my debit (not credit) card?

magento-templates on April 05, 2011:

Good info for start! Nowadays, you need to go through few more steps to start selling products online with PayPal if you decide to open your online store.

mahimattphoto on March 29, 2011:

This lens just made my day!!! I get asked this at least once a week! I will be sharing this with others!

RetroMom on March 24, 2011:

Excellent information for someone wanting to start a Paypal account.

anonymous on March 20, 2011:

I've been using PayPal for less than six months, but so far I have been very impressed with its performance. Definitely recommended.

Cynthia Sylvestermouse from United States on March 17, 2011:

Adding a kiss for luck on this St. Patrick's Day!

UKGhostwriter on March 15, 2011:

very useful lens!

shoumo lm on March 11, 2011:

The last time I checked, the country information in your profile can not be changed. So if there is a possibility pf relocation choose your email accounts linked to the Paypal account carefully. I recently canceled my Paypal account and the balance - a few cents in my case - was allocated to a charity fund.

E L Seaton from Virginia on March 11, 2011:

Paypal is great. I have paid for eBay stuff and lots of other things for years. What a concept, shame I can't lay claim to coming up with it. At least I can profit from it.

jannyjohnn on February 09, 2011:

Paypal is probably the best online money trader system there is. Everyone should have one.

MargoPArrowsmith on January 16, 2011:

This should have been so easy, but I sure could have used your guidance. BTW, I don't use it, too vender unfriendly

dogodor on January 10, 2011:

@rajaumminadrah: no. You have to pay for premium account like Paypro Flow.

photofk3 on January 09, 2011:

Useful info. Thanks. I don't have a PayPal account yet but if I decide to open one, I will definitely visit this lens.

pjbells on January 01, 2011:

Well written lens, I now have a pay pal account after trying to avoid it for years.

rajaumminadrah on December 26, 2010:

Hey, very useful lens there! Just a question though: are premium accounts free too?

wecomparebooks on December 23, 2010:

i've a paypal account. do you've any idea about moneybookers. I am thinking of setting up a moneybookers account. is this a right decision. please suggest.

anonymous on December 18, 2010:

wow thanks for all the helpful info!

fbaum818 on December 17, 2010:

Good lens! PayPal is a very important part of Squidoo life. I'm glad someone put together a lens to educate people about it.

JenniferAkers LM on December 13, 2010:

I agree with Bobby: it's interesting to see more than half of your visitors don't have a Paypal acct. Great how-to lens!

anonymous on December 08, 2010:

That's an interesting poll. 58% of your readers don't have a paypal account. Easy to forget that not everyone is shopping online. I can see huge online growth to come. Great lens!

Godnose on December 05, 2010:

Paypal is brilliant. I have relatives abroad and it's the easiest way to sent and receive money with them. You just fill in the form at Paypal and give the email address of then person you want to send the money to, and whether in Sterling or the local currency, and it all happens automatically.

VivianAldana LM on December 03, 2010:

I have used PayPal to send money and receive money. It is a great tool. I have even used it to help a friend receive money when they had not yet established a bank account! It's a great way to save your Squidoo cash and keep it for a rainy day!

rayban malaysia on November 28, 2010:

Thanks for the tips, I heard that people can use fake card also, is that true?

But so far i haven't face any problem yet, i have been using paypal for 1 and half yea already.

teamlane on November 22, 2010:

A most excellent lens Kiwi! I'm here because we need to set up a PayPal account and knew someone in Squidoo would have the answers!

~ Colleen :)

DachaiC on November 18, 2010:

Nice work explaining this process! Some people are just intimidated by setting up something like this and you've broken it down with worthwhile information to boot. I am adding this to favorites as some of my audience could use this advice. Cheers!

anonymous on November 18, 2010:

Very helpful len..thanks

Louis Wery from Sarasota, Florida USA on November 17, 2010:

Very good basic information about PayPal and very reassuring!

george185 lm on November 17, 2010:

Great lens. Paypal has become integral for doing almost anything online. Whether that is buying stuff or getting paid from your favorite writing site:)

Hemant from Dubai on November 17, 2010:

Hi. Great lense. Very useful information. I am using PayPal for a long time.

darciefrench lm on November 16, 2010:

Gotta have a PayPal account! Excellent and informative lens on paypal. Angel blessed and featured on Squidoo Tips Blessings.

leasefunders on November 14, 2010:

Yes, I am using PayPal most especially for shopping because it is more safer than to use credit cards. Well done lens! :)

Jlava73 on November 14, 2010:

Excellent Article! I know a lot of people who don't use paypal because they don't know how.

KDimmick on November 09, 2010:

Great lens!

jogreen1968 on November 08, 2010:

Paypal is brilliant, although I have read a lot more recently that they are having problems with fraud. As a concept it is brilliant and I still use it all the time.

Sandy Mertens from Frozen Tundra on November 07, 2010:

Good information for those not sure how to set up a PayPal acccount.

gypsyman27 lm on November 03, 2010:

Squidoo has made me realize how important it was to have a paypal account, they pay royalties directly into my paypal account!

ICanCook on November 02, 2010:

Who would have thought to make a lens like this. I thought PayPal was pretty intuitive, but now I see that there are lots of people needing this info. Great Content. Good Job!

sammy9212 on November 01, 2010:

i use my paypal for everything! its sooo much easier.

AdultAcneSystem on October 29, 2010:

Thank you, I need to start using paypal more often and in my day to day business operation, thank you.

darthma9e on October 24, 2010:

Helpful tips, thank you

gnomee on October 21, 2010:

Thank you for this usefull info!

anonymous on October 20, 2010:

Very nicely done...Informative article & it explains how to set it up very simply....& I love paypal also so don't gotta make a believer out of

PeterBivolarsky1 on October 16, 2010:

Very helpful info, thanks!

jctatum on October 09, 2010:

I love paypal! My girlfriends and I go on an annual trip together each year. We use paypal to save up for it. Each month we each send a few dollars to our paypal account we have linked to a special bank account. When it's time for our trip it's almost completely paid for! Makes it so easy to all chip in for the cost. We get statements from paypal on balances and everything!

invesible_8704 on October 09, 2010:

This is good information, its worth to read it.

coffeehut on October 05, 2010:

I'm shocked at the poll results. I thought for sure just about everyone was using paypal by now.

ZablonMukuba on October 04, 2010:

thanks for the lens on paypal. i have a question if you set up a paypal account without linking it to a bank account could you still receive payments via credit card?

termit_bronx on September 27, 2010:

Great information. Like and fav.! Thank you, this is what I have been looking for.

anonymous on September 26, 2010:

A very systematic way to setup Paypal is given here.

missbat on September 25, 2010:

Thank you for explaining this so well! Next time I have a client that needs to set up Paypal, I am sending them to this lens!

paoloit on September 25, 2010:

Does it matter if I'm a company or Privet person?

lizskincare on September 21, 2010:

great lens!!!

Yourshowman LM on September 20, 2010:

Good Information

lankanwriter on September 18, 2010:

Unfortunately in Sri Lanka PayPal is send only, so I have to find alternative ways to receive money :-(

RecipeSquid on September 17, 2010:

very well laid out lens. If it weren't for would we all get our royalties :)

girlfriendfactory on September 16, 2010:

Very nice and simple for the beginners. So often how-to type items are not written for people who don't know what to do, but for people who basically do. I like that you included the phishing information because that throws a ton of people off. You might tell them to forward them to Paypal by using spoof @ which they tell me helps them and I stopped getting them years ago after I started reporting them. The other thing they told me is that if PayPal sends you anything, they always use the full name you have on the account, the phishing emails are typically addressed to Dear PayPal Customer (a good reason to use a middle initial when you set up your account because even spammers who have your name would probably not use that).

You did a great job ~ thumbs up from me! :)

ssuthep on September 11, 2010:

Very good information. This will help new users correctly setup their PayPal account.

Sami4u LM on September 10, 2010:


Yes, I do most of my work online and paypal make that happen. Easiest way to move money that you can have. Plus I buy a lot :D

Virginia Allain from Central Florida on September 10, 2010:

I mostly use Paypal to accept my freelance writing payments into. It is the only way some sites pay their writers.

RebeccaE on September 10, 2010:

another execellent lens, great work, and very informative.

Moe Wood from Eastern Ontario on September 08, 2010:

This is an excellent how-to. It amazes me how many people still don't know how to use paypal.

04dyland on August 31, 2010:

thanks man....

DanSuciu on August 24, 2010:

Thanx for creating this great lens and educating the people on how paypal works, and the benefits of having one. I believe that everyone should have a paypal account. Increase Your Sales

jackrabbitcom on August 20, 2010:

Good information in this lens. PayPal also offers some pretty feature-rich merchant services for accepting credit cards, etc. Overall, a very valuable company for buyers and sellers alike.

infodrivenew on August 18, 2010:

Very nice information on Pay Pal. Thanks..

marahcreative on August 17, 2010:

It brings me great joy when someone lays out step-by-step instructions and makes something that can seem daunting (i.e. setting up a Pay Pal account) become understandable. Very helpful, thanks for sharing!

employeeInsurance on August 11, 2010:

Paypal is a brilliant business, really useful lens for those looking to set up a new account.

seo__guru on August 10, 2010:

I have a paypal account but not yet verified, thanks for this useful information

enriquep94 on July 14, 2010:

I have a paypal account but don't use it much. but the few time i had used it has work good. thanks for the info. Excellent lens!

Saltoxâ¦ÌµÌµÍÌ¿Ì¿Ì¿Ì¿â¤ââ on July 01, 2010:

nice and very helpfull

Sally782 on June 30, 2010:

I have a paypal account how do I add it to my lens