Que es pay pal y sus beneficios

PayPal es una plataforma de pago en línea que te permite enviar y recibir dinero de manera segura y fácil. Fue fundada en 1998 por Peter Thiel y Max Levchin.

Una de las ventajas de utilizar PayPal es que no necesitas proporcionar información de tu tarjeta de crédito o débito a cada sitio web que hagas una compra. Solo necesitas crear una cuenta en PayPal y agregar tu método de pago.

PayPal ofrece varios beneficios, como la posibilidad de pagar con tu saldo disponible, la posibilidad de recibir pagos de otros usuarios y la capacidad de enviar y recibir dinero en más de 100 monedas diferentes.

PayPal is a well-known online payment platform created in 1998 by Ken Howey and Max Levchin.

It's been around for a while, and many users who shop online frequently have used it and can attest to its effectiveness.

PayPal facilitates the online shopping process and provides security and reliability to users.

You can use PayPal not only to make payments but also to receive payments, send money to other PayPal accounts, or receive money from other accounts.

It's essentially a virtual wallet that links to a credit or debit card or a bank account.

PayPal has also implemented a payment system using QR codes, which makes contactless payments easy and convenient using mobile apps.

PayPal is a platform that doesn't work like a traditional bank, so it's not governed by the same laws as banks. However, it does have to follow rules set by the US Department of the Treasury and the European Union's Financial Services Authority to prevent money laundering and unauthorized transactions.

PayPal doesn't offer interest on deposited funds, unlike traditional banks. But it does have a buyer protection policy, which covers issues like non-delivery or misdescription of items, including shipping costs, up to $2500.

PayPal charges a commission on each transaction, ranging from 1.9% to 3.4% + 0.35 EUR, and also charges for currency conversion, which can be between 2.5% and 4% of the transaction amount.

PayPal was founded in 1998 under the name Confinity in Palo Alto, California, a hub for many tech companies in Silicon Valley.

Max Levchin, Peter Thiel, Luke Nosek, and Ken Howery created the company, which initially focused on mobile payments using small electronic agendas called PDAs.

The company merged with X.com, an online banking platform founded by Elon Musk, in 2000 and became known as PayPal.

PayPal's user base grew exponentially after its merger, thanks to aggressive marketing and eBay decided to buy it in 2002, when it was already used by half of eBay's clients.

PayPal had listed on the Nasdaq stock exchange, but returned to trading in 2015 after its separation from eBay.

PayPal's dominance in secure online payments has been challenged by contactless systems and banking platforms.

PayPal is not considered a bank, so it's not governed by the same laws as traditional banks. However, it does have to follow rules from the US Department of the Treasury and the European Union's Financial Services Authority.

PayPal doesn't offer any interest on deposited funds, unlike traditional banks. This is because PayPal is more focused on facilitating transactions than providing financial services.

PayPal has a buyer protection policy that covers purchases up to $2500, including shipping costs. This protection applies to certain types of purchases, such as physical goods, and can be found in the service's terms and conditions.

PayPal charges a variable commission fee on each transaction, ranging from 1.9% to 3.4% + 0.35 EUR for the recipient. It also charges a currency conversion fee, which can range from 2.5% to 4% of the transaction amount.

PayPal's fees are mainly related to:

On the other hand, PayPal doesn't charge fees for:

PayPal's pricing structure is a major criticism in the e-commerce sector. The fees for sellers to use PayPal vary depending on their monthly sales, with lower fees for higher sales volumes. For example, businesses that earn less than €2,500 per month pay 3.4% + €0.35 per transaction.

To give you a better idea, here are the fees for different sales ranges:

It's worth noting that PayPal's fees are only charged to the seller, and not to the buyer.

PayPal's fees are a major criticism in the e-commerce sector, with many users switching to platforms like Stripe due to the costs involved.

The fees for using PayPal vary depending on the business's monthly sales. For businesses that make less than €2,500 per month, the fees are 3.4% + €0.35 per transaction.

If your business generates between €2,500 and €10,000 in monthly sales, the fees drop to 2.9% + €0.35 per transaction. This is the same for businesses that make between €10,000 and €50,000 per month.

Businesses that make between €50,000 and €100,000 per month are charged 2.4% + €0.35 per transaction. And for those that make over €100,000 per month, the fees are even lower at 1.9% + €0.35 per transaction.

Here's a breakdown of the fees:

It's worth noting that PayPal's fees are charged to the seller, not the buyer. And for buyers, using PayPal is free as long as there's no need for currency conversion or international transactions.

PayPal ofrece dos tipos de cuentas: Cuenta Personal y Cuenta Business.

La Cuenta Personal es para particulares, mientras que la Cuenta Business es para comercios.

Si eres un particular, una Cuenta Personal es lo que necesitas.

Con una Cuenta Personal, puedes enviar y recibir dinero de manera gratuita, excepto en América Latina.

Aquí tienes una comparativa de los dos tipos de cuentas:

Si eres un comercio, una Cuenta Business es la mejor opción.

Con una Cuenta Business, puedes recibir pagos de manera segura y eficiente.

You can withdraw funds from your PayPal account, it's a straightforward process. To do so, simply log in to your personal area, click on the "withdraw funds" button, select the amount you want to withdraw, and enter your bank account details.

The withdrawn funds will take a couple of days to arrive in your bank account.

Your transactions are encrypted, which means your financial information remains private. This is a big deal, because it keeps your sensitive data safe from prying eyes.

PayPal works hard to protect your financial data, payments, and eligible purchases. They don't share your full financial details, so you can shop with confidence.

With early fraud detection on many PayPal transactions, they can catch suspicious activity before it's too late. And if something does go wrong, PayPal Purchase Protection has got your back, covering eligible purchases.

PayPal's proactive approach to security means you'll get app alerts if something's not quite right. This way, you can stay on top of your account and catch any potential issues before they become big problems.

Opening a PayPal account is free and convenient, making it a great option for online shopping. You can use PayPal to make purchases from websites that accept it, without having to share your credit or debit card details.

To make a purchase with PayPal, you'll be directed to the PayPal platform where you'll need to log in and authorize the payment. This process is straightforward and secure.

PayPal charges a small fee when you make a purchase in a different currency, but this is relatively rare since many online stores have versions of their platforms for international users.

PayPal operates differently than traditional banks and doesn't offer interest on deposited funds. However, it does have a buyer protection policy that covers issues like non-receipt of items or items not matching the description, up to $2500.

Here are some key points to keep in mind when using PayPal:

Comprar con PayPal es una opción segura y conveniente. Una cuenta personal de PayPal es gratis y puedes comprar en comercios electrónicos con la misma divisa sin coste adicional.

La ventaja de pagar con PayPal es que no tienes que aportar datos muy personales como los números de tu tarjeta de crédito o débito.

Si compras en una tienda que no acepta tu divisa, PayPal te cobrará una pequeña comisión por la transacción. Por ejemplo, si vives en España y compras en una tienda de Londres, PayPal te cobrará 1.99 euros fijos más 3,5% por el cambio de divisa.

El proceso de pago es muy sencillo. A la hora de comprar, la tienda te dirigirá a la plataforma de PayPal para que inicies sesión con tus credenciales y autorices el pago.

Aquí te presentamos las ventajas de pagar con PayPal:

To sell with PayPal, you'll need a Business account, which is designed for commercial or business use. These accounts are free to maintain, but you'll pay fees for certain transactions, such as converting currencies or receiving international payments.

Receiving a national payment with PayPal costs between 1.9% and 3.4% plus a fixed fee, which is 0.35 euros for example. International payments incur an additional fee ranging from 0.4% to 2% depending on the country of origin.

As a seller, your fees will decrease as your transaction volume increases. This is a great incentive to keep selling and growing your business.