PayPal

PayPal Conditions

• The PayPal account is bound to only 1 person and his/her bank account (for private account)
  • Vergewissern Sie sich, dass der Name, auf dem Ihr PayPal-Konto registriert ist, mit dem Namen auf Ihrem Bankkontoauszug übereinstimmt. Ansonsten sind Überweisungen von und auf Ihr PayPal-Konto nicht möglich, und es werden jedes Mal Rückbuchungsgebühren berechnet. (Quelle)
  • Practically: if you try to change your name - it is impossible. If you try to add a new bank account, you can change your first name, but not your family name.

• A PayPal account for organizations is bound to the organization: its bank account holder should match the organization name.

Create PayPal Button

Subscribe

Link: https://www.paypal.com/cgi-bin/webscr?cmd=_subscr-intro-outside

• Germany:
  • with a German PayPal account (Nikolay's) this button is not shown and cannot be created.
  • There is however "Abonnement"-Button erstellen. und https://www.paypal.com/de/cgi-bin/webscr?cmd=_subscr-intro (Buttons für regelmäßige Abonnementzahlungen)
  • Maybe to have the Abonnement option you have to enter your credit card? - No, I have already a credit card added to the account.
  • Asked PayPal per email about the button - their answer is negative, there is no subscription button for German accounts.

HTML Code

Maybe it can work with this code: https://www.paypal.com/de/cgi-bin/webscr?cmd=_pdn_subscr_techview (See PayPal_Test) - a real money transfer test is needed.

• HTML Code is available in the PP_WebsitePaymentsStandard_IntegrationGuide, Link2, after page 161.
• Options: https://www.paypal.com/cgi-bin/webscr?cmd=_pdn_xclick_options_help_outside
• Subscribe Button HTML Variables, page 425:
  • no_note=1 - Do not prompt buyers to include a note with their payments.
  • item_number - Pass-through variable for you to track product or service purchased or the contribution made. The value you specify is passed back to you upon payment completion. This variable is required if you want PayPal to track inventory or track profit and loss for the item the button sells.
  • ....

Working

Here is an example of a German website where it is working, but Google suggests that the owner "albrecht senden" is from London.

• http://www.evs-stiftung.de/evs-stiftung/spenden/
  • This website was found after searching in Google for "monatliche Spende" to see how others are taking montly donations.

Images

• http://www.rocketgranny.com/codeclips/pp_button_images.php

PayPal Send and Receive Money

Sending

Sending money is free.

Note: A PayPal account can send money to 1) another PayPal account or 2) Bank Account or 3) a creadit card. The owner of 2) and 3) should be the owner of the PayPal account. When using 2) and 3) fees may apply.

Bulgaria

Sending money from a Bulgarian PayPal to another PayPal account has two options:

• "I'm paying for goods or services" - this is taxed
• "I'm sending money to family or friends"
  • €0.00 EUR fee if you use your PayPal balance and/or a bank account.
  • €0.45 EUR fee if you pay using your credit or debit card.

Receiving

Germany

See PayPal Gebühren.

• Geld empfangen in Euro aus Deutschland oder anderen EU-Ländern - 1,9 % + 0,35 Euro
• Geld in eine andere Währung umrechnen - 2,5 % bis 4 % auf den Wechselkurs

Bulgaria

• Your account is set to the Standard Rate for receiving payments of 3.4%.
  • 3.4% + €0.35 EUR
  • See https://www.paypal.com/bg/cgi-bin/webscr?cmd=_display-xborder-fees&countries=

On Credit Card

Withdrawing Funds to Your Card:

• Fees: PayPal charges a fee for withdrawals to your card. Currency conversion fees may also apply. If the information in your withdrawal request is incomplete or incorrect, PayPal will charge a return fee. For more information, click Fees at the bottom of any page.

Tests

The following test were done on 22.12.2012:

Germany-Bulgaria

• German PayPal account sends €1 to a Bulgarian PayPal account.
  • Amount received: €1.00 EUR
  • Fee amount: -€0.38 EUR
  • Net amount: €0.62 EUR
• German account sends €10 to a Bulgarian account.
  • Amount received: €10.00 EUR
  • Fee amount: -€0.69 EUR (= €0.35 + 3,4%)
  • Net amount: €9.31 EUR
• German account sends 10 USD to a Bulgarian account.
  • Amount received: 10.00 USD
  • Fee amount: -0.69 USD
  • Net amount: 9.31 USD

Bulgaria-Germany

• Bulgarian PayPal account sends €5 to a Germany PayPal account - but to family or friends! No taxes!
  • Amount sent: -€5.00 EUR
  • Fee amount: €0.00 EUR
  • Net amount: -€5.00 EUR

Germany - get your money

• German PayPal accounts sends €10 to its German bank account ... PayPay says the following (which still has to be confirmed on my bank account):
  • Gesamtbetrag: -€10,00 EUR
  • Gebühr: €0,00 EUR
  • Nettobetrag: -€10,00 EUR

Barrieren von PayPal

• Hohe Gebühren.
• Viele Nutzer melden Probleme z.b. nach dem Erhalten das Geld wurde zurückgefordert.
• In Deutschland gibt es keine Abonnement-Option.

PayPal Alternatives

• http://paymentandbanking.com/ecommerce-payment-dienstleister-fur-den-deutschen-markt-februar-2012/