083: PAYPAL 101 (TUTORIAL)

Ramai pernah nampak logo or heard of PayPal but not many of us are aware of policies and such. So today I nak explain sikit pasal PayPal ni. If you notice, memang merata online shopping websites ada logo PayPal nih. Tapi what is PayPal? This is my personal definition.

PayPal is a platform for you to put your bank account and credit card information in order for you to shop online. When you have the details linked (added) to your PayPal account, you don't have to keep putting your credit card details when you do your online shopping. So basically it saves time and yang penting, it's free. You will not be charged any fee when you use your PayPal account to buy stuff online. Simple! :)

Why do I love PayPal? Apart from me working with them (market bukan dapat commission pun), I love how we, as buyers, are protected against scams and fraud activities. Let's say you beli barang kat eBay.com and barang you tak sampai or barang tu totally different than advertised, you can opt to get a refund back!

Banyak kedai kat luar sana when you buy from them, it's not exchangeable or non-refundable kan? But with PayPal, it's possible to be protected. As long as you file a dispute with PayPal within 45 days after you bought the item lah. And kalau barang tu totally not as described, then you can also get a refund using the same method, but you kena ship the item back to the seller at your own expense (mesti kena ada tracking number tau).

However I pun pernah dengar yang orang kata eBay ni banyak yang menipu, ramai yang kena scam. Memang la kena scam, pasal ramai antara kita yang tak aware tentang hak kita sebagai pembeli! Salah siapa? So lepas ni, know your rights and don't let people take advantage of you.

Lepas ada PayPal account ni, banyak gila barang I beli kat eBay. Belon la, dress la, USB cables la, diamonds la and even sports bra. So far, memang takde masalah because I truly believe that people are good and honest in general. Ye dok? Positif sikit! So far dah lebih 20 barang I beli online using PayPal and satu pun tak pernah kena scam. Sebab apa? Sebab sellers pun tahu yang buyers are protected against fraud activities. Sailap la kalau kau nak tipu duit aku kannn :)

Macam mana nak ada Paypal? Senang. Try these easy steps:

1. Go to www.paypal.com
2. Click on Sign Up (top right)
3. Choose account type (Personal account for individuals who shop online, Premier for individuals who buy and sell online or Business for merchants who use a company or group name).
4. Fill out your particulars and click Agree and Create Account
5. You'll get a notification on your email used to register with PayPal (so check your email and get your email verified)
6. Tadaaa! You're a PayPal customer now :)

Shopping yuk!!

Not so fast! If your PayPal account has no cash in it, obviously you can't buy anything right? So what I did was I linked my CIMB debit card to my PayPal account. Why CIMB debit card? Sebab CIMB debit card ni bagus in a way that you have to add/topup money to your card then baru you ada duit. So basically you boleh limit your belanja la (hint).

When you link your debit/credit card, PayPal will charge RM10 off your card. Tapi don't worry, you just need to wait till the next bank statement to get a PIN number. You will need that PIN number as a verification, and for your own safety (mana tahu ada orang guna your card kan? This way, you're already protected!) And bila you dah verify your card with the PIN number, you will get the RM10 back on your PayPal account! (not back to your debit/credit card). Tadaaa! Your debit/credit card is now verified!

So now you dah boleh start shopping macam I. As long as you have money in your debit card, you're good!

How PayPal deduct duit you?

Remember when you link your card dengan PayPal, and you dapat your RM10 back? Bila you shop barang harga (let's say) RM50. PayPal akan deduct the RM10 from your PayPal account, and the balance RM40 will be deducted from the debit/credit card yang you link to your PayPal. Gila cun tak? Takyah nak pening kepala dah kan? :D

I hope this tutorial is helpful to those who just started doing online shopping. If you need any clarification, feel free to comment me with your query or just ask PayPal! They're always there to help you.

Happy shopping!