Whether you are an online shopper or an online merchant, getting a Paypal account is a must. Paypal allows safe and secure processing of payments online, and is one of the most convenient way of either paying for online purchases, sending money to someone else, or receiving payments for online customers and getting paid from most online affiliate and make money programs.

Paypal key features:

• Send funds without sharing your financial information
• Receive funds quickly from anyone with an email address in the 190 countries and regions that accept PayPal
• Withdraw funds from your PayPal account:
  • To your local bank account
  • To your credit, debit, or prepaid card
  • To your US bank account
• No monthly, set-up, or cancellation fees
• Get paid by anyone, even by customers without a PayPal account
• Accept credit cards, debit cards, bank transfers, and PayPal
• Integration of your Online Store with Paypal payment buttons and shopping cart
• Fraud prevention tools
• Reporting tools

Paypal Account Types:

The Personal Account. This is suitable for people who are using Paypal for shopping online.

The Premier Account. If you are engaged in buying and selling online, then this Paypal account type is suitable for you.

The Business Account. Much like the Premier Account however, this one is designed for Companies who have huge presence online. If you have an online store, then this one is more appropriate to take advantage of added features such as the ability to accept credit card and bank account payments, invoicing your customers and for scheduling of mass payouts to vendors and suppliers.

Paypal Transaction Fees:

If you are shopping online, using Paypal is free. If you are sending somebody a payment, processing is also free.

If you are receiving money or payments from others, Paypal may charge certain fees – depending on the type of merchant or individual that sent you money. For merchant transactions, Paypal usually charge transaction fees of 1.9% to 2.9% + $0.30 USD.

If you are going to venture into the profitable world of online business, or taking advantage of the many choices and cheaper online stores for shopping, getting a Paypal account should be one of your initial steps. Try it out today.

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