PayPal Account Setup and Safety Guide (2026): Verification, Payments, and Scam Prevention

Setting Up and Using a PayPal Account Safely: Maintained 2026 Edition

This is a neutral checklist for consumers and small merchants, last reviewed on September 1, 2026. PayPal's supported countries or regions, account capabilities, verification requirements, fees, exchange rates, protection coverage, and withdrawal methods vary with registration location, account type, and transaction. This guide does not guarantee that a feature is available and is not legal, tax, or financial advice.

The complete 2011 article is preserved at the end for historical research only, not as current instructions. Its limits, fees, interface, contact details, banking products, and compliance assumptions may be obsolete.

1. Confirm the Boundaries Before Registering

1.1 Country or Region and Account Type

• Check whether your actual residence or business location is supported on PayPal Worldwide, then use the PayPal legal-agreement selector to open the terms for that location.
• Always provide your true, current country or region, legal name, address, contact information, and business details. Do not borrow an address, phone number, identity, or company, and do not select another region to evade restrictions.
• A personal account is generally intended for shopping and locally permitted personal transfers. If you mainly sell goods or services, review the business-account and local requirements. The official personal-versus-business account explanation is one regional version; your registered location controls.
• Sign in and confirm which receiving, balance, currency, and withdrawal features are actually offered. If a feature is absent, do not work around it with an intermediary, false information, or an account from another region.

1.2 Prepare Truthful Information

Prepare an email address and phone number you control, government-issued identity information, proof of address, and—where locally supported—a bank account or card you lawfully control. A merchant may also need business registration, beneficial-owner, business-activity, and tax information.

PayPal may be legally required to verify identity, business, or tax details. Submit documents only inside an authenticated session on the PayPal site or official app that you opened yourself. If a regional requirement is unclear, check the local agreement first and then ask through support after signing in.

2. Register and Secure the Account

1. Type paypal.com into the browser yourself, or open the PayPal app from an official app store. Do not begin from a “verify your account” link in an ad, direct message, email, or text.
2. Select your true country or region and an appropriate account type, then enter accurate information that you can continue to substantiate.
3. Complete email, phone, identity, business, or payment-method verification inside the signed-in page. Screens and required documents change with region and risk review; do not copy button names or amounts from an old tutorial.
4. Use a unique, long password. If your device and region support it, set up a passkey and enable two-step verification using the PayPal account-security guide.
5. Preserve recovery methods, enable transaction alerts, and periodically review signed-in devices, payment methods, and automatic payments.
6. Stop if a call, message, or page outside your account claims to be PayPal, a bank, or support and asks for your password, one-time code, full card details, or remote control of your device. Send none of these to anyone.

Stop condition: do not continue registration or payment if the domain is not paypal.com, you cannot truthfully substantiate the details, someone asks you to use another person's identity or payment method, or the permissions and costs are not clear on screen.

3. Paying, Receiving, and Invoices

3.1 Choose the Correct Transaction Type

• When buying goods or services, use the commercial payment method offered by the checkout flow. Use Friends and Family only for a genuine personal transfer where the local product offers it; refuse a seller's request to label a purchase as a personal payment. PayPal's personal-payment scam guidance distinguishes the two uses.
• Goods and Services or another commercial payment does not guarantee protection automatically. Buyer Protection, Seller Protection, exclusions, evidence, and deadlines are governed by the registered location's terms and the individual transaction.
• Before confirming, check the recipient, purpose, amount, currency, funding source, conversion provider, total cost, delivery, and refund terms. Cancel first if anything differs.
• An invoice or money request is a request, not proof of a debt. Do not pay an unfamiliar request or one containing an urgent phone number, external link, or cryptocurrency address. Sign in directly to verify and report it. See PayPal's invoice and money-request scam guidance.

3.2 Receiving and Delivering

• Trust only the status in your account's Activity and Transaction Details, not an email, screenshot, or “payment proof” supplied by a buyer.
• If a transaction is pending, on hold, under review, or has a mismatched amount, currency, name, or address, do not ship, deliver digital work, or make another transfer. Follow the transaction details or official support.
• Stop on an “overpayment” followed by a request to refund another account, use outside shipping, buy gift cards, or refund cryptocurrency. Initiate any legitimate refund from the original transaction's official refund flow.
• Before shipping or delivery, check whether the transaction is marked eligible for protection and follow every address, tracking, delivery, and evidence requirement shown in its details.

4. Merchant Risk and Records

4.1 Keep Minimal but Sufficient Evidence

For each commercial transaction, retain the order or invoice, accurate description, transaction ID, agreed delivery address or digital-delivery identifier, shipping and delivery evidence, customer communications, refunds and disputes, and fee, exchange-rate, and tax reports. Keep only what business and law require, restrict access, and apply the retention period required by applicable law and local PayPal terms.

Identity and tax requirements differ by jurisdiction and business form. Confirm any request from inside the signed-in account; do not reply to an email with sensitive documents. Ask a qualified local accountant or lawyer when you need to determine a reporting obligation.

4.2 Allow for Holds, Disputes, and Chargebacks

• “Received” does not mean irreversible. A payment may be reviewed, held, or reversed, and a buyer may open a dispute or claim or ask a card issuer for a chargeback.
• Seller Protection applies only to eligible transactions and requires the stated evidence and conduct. For each transaction, check the eligibility mark in Transaction Details and the Seller Protection guidance for the registered location.
• Respond only through the Resolution Center and in-account notices, observing the deadline shown there. Do not send documents or money to a “specialist” in a direct message.
• A merchant should maintain a buffer for refunds, holds, chargebacks, and taxes. Do not treat a newly received balance as certain profit or withdraw all of it immediately.

4.3 Fees, Conversion, and Withdrawal

Fees, rates, limits, arrival times, and available withdrawal routes change. At each confirmation screen, inspect the payer's total, recipient's net, conversion rate, and withdrawal cost, and open the live Fees page from the local PayPal footer. A bank, card network, or intermediary bank may add charges.

Use only a route shown in your account that matches your lawful personal or business details. Do not use private forum exchanges, buy or rent a foreign account, or misstate a withdrawal purpose. If the net amount or conversion provider is not what you expected, cancel and confirm with PayPal and the bank first.

5. Conditions That Require a Stop and Escalation

Trigger	Immediate action	Proper escalation
Asked to misstate region, identity, business, transaction type, or tax details	Do not register, submit, or pay	Local legal terms, signed-in PayPal support, qualified professional
Unknown invoice, urgent phone number, outside link, or attachment	Do not pay, call back, or open it	Report after opening the site or app directly
Seller asks to mark a purchase as Friends and Family	Decline the transaction	Use formal checkout or commercial payment
Payment is pending, mismatched, overpaid, or followed by a separate refund request	Do not deliver or transfer again	Transaction Details, Resolution Center
Limitation, identity, or tax notice arrives by email or text	Do not sign in from the message	Open paypal.com or the official app yourself
Unauthorized activity or suspected takeover	Secure your email and PayPal account immediately	PayPal Security Center and Resolution Center
Regulatory, tax, or accounting duty is unclear	Pause the affected transaction	Local accountant, lawyer, or regulator

6. Final Checklist

• [ ] Country or region, account type, and service capabilities match the true circumstances.
• [ ] Name, address, contacts, business, and tax details are truthful and supportable.
• [ ] Sign-in started at paypal.com or the official app, not a sensitive-action link in a message.
• [ ] A unique password, passkey or two-step verification, and recovery methods are set.
• [ ] The transaction type matches its real purpose; a purchase is not disguised as a personal transfer.
• [ ] Recipient, amount, currency, fees, rate, funding source, and delivery have been reviewed.
• [ ] Action relies only on in-account status; unusual invoices, pending payments, and overpayments are stopped.
• [ ] Delivery, communication, fee, tax, and dispute evidence for commercial activity is retained securely.
• [ ] The withdrawal route is offered in-account and the net amount is acceptable.
• [ ] Uncertainty caused a pause and confirmation through an official or qualified local channel.

7. Official PayPal Sources

• Countries and regions
• Legal agreements and region selector
• PayPal User Agreement (C2, English)
• Personal and business accounts
• Account security and two-step verification
• Passkeys
• Identity confirmation
• Friends and Family scam risk
• Invoice and money-request scams
• Common scams
• Seller Protection

These pages may display different content based on the visitor's region. Reopen the live page for the registered location before making an account, fee, protection, or compliance decision.

8. Original 2011 Archive (Historical Research Only)

The visible body from source_export follows in full except for the disclosed content. Only trailing whitespace on each line was normalized. To avoid republishing sensitive-looking data, promotional data, or dangerous advice, historical referral or tracking parameters, old redirect targets, an illustrative email address, and the complete sentence recommending borrowed or false contact details were replaced with narrow placeholders or parameter-free official base destinations. The unmodified export remains in the repository at the source_export path.

Warning: the following text contains obsolete and potentially unsafe steps, fees, limits, products, and contact details. Do not follow it.

Table of Contents

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- [PayPal注册(简称：PP)注册与操作向导](https://blog.lazying.art/en/html/securities-forex/internet-bank/89/paypal%e6%b3%a8%e5%86%8c%e7%ae%80%e7%a7%b0%ef%bc%9app%e6%b3%a8%e5%86%8c%e4%b8%8e%e6%93%8d%e4%bd%9c%e5%90%91%e5%af%bc.html/#PayPal%E6%B3%A8%E5%86%8C%E7%AE%80%E7%A7%B0%EF%BC%9APP%E6%B3%A8%E5%86%8C%E4%B8%8E%E6%93%8D%E4%BD%9C%E5%90%91%E5%AF%BC)

  - [一、如何注册：](https://blog.lazying.art/en/html/securities-forex/internet-bank/89/paypal%e6%b3%a8%e5%86%8c%e7%ae%80%e7%a7%b0%ef%bc%9app%e6%b3%a8%e5%86%8c%e4%b8%8e%e6%93%8d%e4%bd%9c%e5%90%91%e5%af%bc.html/#%E4%B8%80%E3%80%81%E5%A6%82%E4%BD%95%E6%B3%A8%E5%86%8C%EF%BC%9A)
  - [二、如何激活：（新手可不看）](https://blog.lazying.art/en/html/securities-forex/internet-bank/89/paypal%e6%b3%a8%e5%86%8c%e7%ae%80%e7%a7%b0%ef%bc%9app%e6%b3%a8%e5%86%8c%e4%b8%8e%e6%93%8d%e4%bd%9c%e5%90%91%e5%af%bc.html/#%E4%BA%8C%E3%80%81%E5%A6%82%E4%BD%95%E6%BF%80%E6%B4%BB%EF%BC%9A%EF%BC%88%E6%96%B0%E6%89%8B%E5%8F%AF%E4%B8%8D%E7%9C%8B%EF%BC%89)

    - [第一步、申请信用卡](https://blog.lazying.art/en/html/securities-forex/internet-bank/89/paypal%e6%b3%a8%e5%86%8c%e7%ae%80%e7%a7%b0%ef%bc%9app%e6%b3%a8%e5%86%8c%e4%b8%8e%e6%93%8d%e4%bd%9c%e5%90%91%e5%af%bc.html/#%E7%AC%AC%E4%B8%80%E6%AD%A5%E3%80%81%E7%94%B3%E8%AF%B7%E4%BF%A1%E7%94%A8%E5%8D%A1)
    - [第二步、激活PayPal](https://blog.lazying.art/en/html/securities-forex/internet-bank/89/paypal%e6%b3%a8%e5%86%8c%e7%ae%80%e7%a7%b0%ef%bc%9app%e6%b3%a8%e5%86%8c%e4%b8%8e%e6%93%8d%e4%bd%9c%e5%90%91%e5%af%bc.html/#%E7%AC%AC%E4%BA%8C%E6%AD%A5%E3%80%81%E6%BF%80%E6%B4%BBPayPal)
    - [第三步、按期还款](https://blog.lazying.art/en/html/securities-forex/internet-bank/89/paypal%e6%b3%a8%e5%86%8c%e7%ae%80%e7%a7%b0%ef%bc%9app%e6%b3%a8%e5%86%8c%e4%b8%8e%e6%93%8d%e4%bd%9c%e5%90%91%e5%af%bc.html/#%E7%AC%AC%E4%B8%89%E6%AD%A5%E3%80%81%E6%8C%89%E6%9C%9F%E8%BF%98%E6%AC%BE)
    - [第四步、如何取现](https://blog.lazying.art/en/html/securities-forex/internet-bank/89/paypal%e6%b3%a8%e5%86%8c%e7%ae%80%e7%a7%b0%ef%bc%9app%e6%b3%a8%e5%86%8c%e4%b8%8e%e6%93%8d%e4%bd%9c%e5%90%91%e5%af%bc.html/#%E7%AC%AC%E5%9B%9B%E6%AD%A5%E3%80%81%E5%A6%82%E4%BD%95%E5%8F%96%E7%8E%B0)

  - [常见问题：](https://blog.lazying.art/en/html/securities-forex/internet-bank/89/paypal%e6%b3%a8%e5%86%8c%e7%ae%80%e7%a7%b0%ef%bc%9app%e6%b3%a8%e5%86%8c%e4%b8%8e%e6%93%8d%e4%bd%9c%e5%90%91%e5%af%bc.html/#%E5%B8%B8%E8%A7%81%E9%97%AE%E9%A2%98%EF%BC%9A)
  - [相关链接：](https://blog.lazying.art/en/html/securities-forex/internet-bank/89/paypal%e6%b3%a8%e5%86%8c%e7%ae%80%e7%a7%b0%ef%bc%9app%e6%b3%a8%e5%86%8c%e4%b8%8e%e6%93%8d%e4%bd%9c%e5%90%91%e5%af%bc.html/#%E7%9B%B8%E5%85%B3%E9%93%BE%E6%8E%A5%EF%BC%9A)

## PayPal注册(简称：PP)注册与操作向导

PayPal(简称PP)是目前最流行的一种网络银行，是网上收钱的最主要方式，对全世界近190个国家和地区开放。几乎所有的网赚公司都支持PP付款！
**PP**帐户分**激活和未激活**(即**认证和未认证**)两种状态。没有激活的帐户照样可以收钱、发款。但没激活的PP有使用额度限制：每个帐户发款（即在线支付）总额不能超过500美元；每月从帐户提现不能超过500美元，提现总额不能超过3000美元。

PayPal可以通过国内银行卡（工商银行、招商银行、建设银行）通过认证(激活)，解除使用限制！或者使用一张国际信用卡（能透支的Master卡或Visa卡），新手刚注册 如果没有那就先不必激活，因为一般新手要很长时间才能用完500美圆的额度，完全可以等以后你的网赚做大了，再来激活你的PP，激活后的PP每月提现不能超过2500美元，但发款和提现总额没有限制。

不管激活与否，PP里的美元都可以通过支票或银行电汇的方式提现取出。如果钱少比如100－1000美圆，建议用支票提现，每笔手续费要5美圆，时间较长，需一月左右才能收到支票；如果钱多比如在1000美圆以上，建议用电汇方式提现，每笔手续费35美圆，一周内就能电汇到你在国内的**双币种银行帐户**；如果你只有10－100美圆，建议你在论坛上找私人兑换，因为现在大多数中介机构如【[广东网络货币兑换中心](#redacted-historical-referral-link)】都停止PP兑换业务了。

友情提醒1：PP只能收发美元/欧元等国际货币；而“PayPal贝宝”只能收发人民币。两个帐户不能通用 ！只是“贝宝”是PP公司开的中国分公司而已，要注册“贝宝”请[点击这里](https://www.paypal.com/cn/)。

友情提醒2：普通PayPal帐户需要重新设置一下才能接受欧元付款：登陆帐户后点**管理币种**，然后在**欧元**前面打上勾，再点下面的**创建余额**即可！要接受美圆、欧元以外的其他外汇，重复类似操作即可!

友情提醒3：PayPal有三种帐户，但绝大多数网赚公司都用个人帐户付款。三种帐户区别如下：

Personal Account(个人帐户)：收款无手续费，但不能接受来自信用卡或Ebay等商务来往的现金；

Premier/Business Account(高级帐户，也叫商业帐户)：收款要手续费，但可以接受各类现金到款。

PayPal公司有个规定：一个用户可以拥有两个PP帐户(相同的个人信息，不同的邮箱地址)：一个为Personal Account，一个为Premier/Business Account！这样，你可以同时使用这两种帐户分别接受来自不同网赚公司的现金！

三种PP帐户对中国用户的费用请看下表：

用PayPal的费用 Personal Account Premier/Business Account 发 钱 免 费 免 费 收 款 免 费 收款总额×2.4～3.4% + $0.30 收 信用卡的 钱 每年限5次，4.9% + $0.30 收款总额×2.4～3.4% + $0.30 转钱去银行 美国：免费 加拿大：$0.55 中国：用支票取钱，每笔手续费$5；电汇，每笔$35。

友情提醒：目前个人帐户收发款实行单向收费了，由发款方选择谁付费！

### 一、如何注册：

1、[点击这里](https://www.paypal.com/c2/)进入注册页面(免费)，再点击页面下部的

![](http://oldseedling.web-119.com/img/paypal1.gif)

进入新页面后先 在上面的下拉框选择你的国籍 ：China WorldWide ,接着在页面第2个下拉框中选：简体中文（Chinese）。等页面跳转到中文界面点相应帐户类型下的![](http://oldseedling.web-119.com/img/paypal2.gif)按钮：（建议新手先注册Personal Account(个人帐户，最常用的)；然后再注册Premier Account(高级帐户，偶尔用来接收信用卡付款)，企业家则可以选择Business Account。）这时会出现中文注册表格，按提示填表。

2、填表很简单，但要注意下面几点：

a.中文界面可以用中文填写(**必须填真实身份**)，标明**可选**的，不必填写；

b.地址行1：填你的街道地址，将来可能收支票用的，需让邮递员能找到你；

c.表格默认的国籍为**中国**，主要币种为**美元**，切末改动；

[historical false-contact advice redacted; use real verifiable details]

e.新手刚注册时不必关联信用卡，将其默认的勾（选中状态）去掉。

3、电子邮箱，也就是你的PayPal帐号!登陆和收钱时都要用到。密码(不同于你的邮箱密码)至少输入8位字符，区分大小写。网赚公司给你的PP帐户发钱时需要知道你的PP帐号即你注册PP时用的电子邮箱！

4.密码提示问题请慎重填写并记牢，当你忘记密码时，答对密码提示问题可以重置密码，注意只有5次回答的机会，否则就很麻烦了！

提交注册表格后按照网页提示，到你的邮箱收取PayPal公司的来信，按信里提示点里面的激活链接确认你的电子邮箱，在新的页面输入密码，确认，登陆你的PP帐户。

至此，恭喜你：你的PayPal已经注册成功！

友情提示1：当你注册网赚公司用PayPal作为收款方式时，账号就是你申请Paypal的邮箱地址！比如：你申请PP帐户时输入的电子邮箱是[示例电子邮箱已移除]，那么你的PP帐户的帐号就是：[示例电子邮箱已移除]。

友情提示2：当第一笔款来到你的Paypal帐户时，切记要点击**接受**那个按钮(以后的到款就自动接受了)，不能点**拒绝**按钮！

### 二、如何激活：（新手可不看）

PayPal可以通过国内银行卡（工商银行、招商银行、建设银行）通过认证(激活)，解除使用限制！（**推荐**）

以下是用信用卡激活操作流程：
 首先到招行或建行等银行申请Master卡或Visa卡(可以透支消费、双币种的那种国际信用卡)，在建行也叫龙卡(双币种)贷记卡(国际标准信用卡)。目前国内各大银行竞争很激烈，如果你有朋友在那些银行，完全可以免费申请到国际信用卡！

以前曾经风行的中国工商银行的“牡丹国际借记卡”现在已不能激活PayPal了，所以大家还是去办一张正规的VISA或MasterCard，国内各大银行的国际信用卡都可以。现在都逐步推广使用信用卡，办起来已没有过去那么复杂了。我是用招商银行的信用卡激活PayPal的，觉得比较方便，所以把整个过程整理了一下，希望能对大家有所帮助 。其实各大银行都差不多，可起到触类旁通的启发作用。

#### 第一步、申请信用卡

1、申请条件：

年满18周岁，具有完全民事行为能力的中国公民、在我国境内有固定职业和住所的外籍人士和港澳台同胞，均可申请信用卡。免担保人 、免保证金，只需您提供本人相关资料和证明，即可申办招行信用卡。如果你是学生，需要提供什么材料可直接到招商银行去问，或者可以让家长办主卡，你办张附属卡就可，附属卡的年龄仅需16周岁。

2、申请办法：

你可以到当地招商银行信用卡部办理。如果当地没有招商银行的可以登陆到招商银行信用卡网站[http://www.8008205555.com](http://www.8008205555.com/default.htm)，在网上下载申请表，或者打免费电话到800-820-5555免费电话索取表格。申请卡时填的资料，最好自己留一份，以作备份。

3、所需资料：

申请人身份证明复印件

加盖单位公章的工作证明原件

单位开具的收入证明原件

4、办卡时间：

申请表和所需资料提交或邮寄给招商银行信用卡中心后，一般在2个星期左右可以收到信用卡。在这其间你也可打免费电话800-820-5555去询问办卡的进度情况。

5、开卡：

一般在2个星期左右，信用卡中心会把信用卡寄给你，信函中会告诉你如何开卡，你就可以打免费电话800-820-5555进行开卡。在回答完信用卡中心人员有关你卡的资料确认后 ，你的信用卡就可以用了。然后信用卡中心会在10个工作日内将信用卡的取款密码邮寄给你。虽然此时你没有密码，但已经可以拿来激活PP了，因为在激活PP填卡资料时不需要信用卡取款密码的。

#### 第二步、激活PayPal

1、登录自己的帐户，点左上角的 Add credit card；

2、进入新的页面后在Credit card number:填入16位国际信用卡号；

3、Expiration date:填入到期日，在卡的正面可以找到(比如我的是06/09，也就是2009年6月到期)；

4、在Card verification number:填借记卡的验证号，就是背面卡号后面的最后三位数字（不是卡号的最后三位，是在卡号后面另外的三位）；

5、First Name要再填一次你注册时的名，姓是已经填好的；

6、再填一次你注册PP时的有关信息；

7、按Add credit card出现另一页面

8、把此页面拉到最下方：

Click **Get Number** to authorize PayPal to charge $1.95 USD to your credit card ending in **** (点击下面的“Get Number”按钮以同意PayPal在你的****结尾的信用卡上收取1.95美元的费用)

点击下面的 Get Number 按钮。出现如下的页面, 初步完成：

9、这时并没有真正激活你的PayPal，你还需要一个4位的交易码。你可以在4个工作日后到信用卡中心查问你的消费情况，从而得到一个PayPal四位数的交易码，就可以激活PayPal了。一定要在PayPal交易后的第4个工作日后打电话问信用卡中心要交易码。如果让信用卡中心向PayPal投诉的话，PayPal会永久取消你的帐户!

10、得到交易码：

上面的步骤完成后，你的信用卡会被扣1.95美元，在交易完成后4个工作日后可打电话800-820-5555，要求查一下卡的消费明细，验证卡号、姓名、身份证号码、手机号之后，要求工作人员给查一下“交易商户”是什么内容，她会告诉你是“PayPal****(4位数字)，记下这4位数，这就是PayPal扣掉$1.95费用时的四位交易码。

11、激活成功：

登陆你的PayPal帐户，点**行动列表下面**的**完成扩展使用登记**，在新页面的扩展使用号方框中输入你得到的4位交易码，点下面的**提交**按钮，进入新页面后此时你的PayPal就彻底激活了！你会发现自己的PayPal帐号 状态成为[中国 – 已认证](https://www.paypal.com/c2/)的了。PayPal帐号激活以后，PayPal会email给你 ：成功了！你就可以充分发挥PayPal的作用了。

#### 第三步、按期还款

1、招商银行信用卡提供最高48天的免息透支，在你收到信用卡时会有1张你的信用卡帐户使用说明，比如说你的帐单日是5号，那么还款日就是23号，也就是你这个月6号透支，在下个月23号前这48天内是不算利息的，7号透支,那么有47天免息，余次类推。

2、在你与PayPal的交易时信用卡被扣了1.95美元后，我们可按兑换率在信用卡里存入足额的可用还款的人民币，如我透支1.95美元，可最少存入16元人民币，存入的钱在2个工作日到达帐户。这时可要求打免费电话到800-820-5555要求按当天人民币对美元汇率折成美圆还款。

3、你也可以指定一个人民币帐户给银行，让他每次到期自动帮你结算，那你就什么也不要做了。每个月都有帐单寄给你的。我建议大家另外开一个帐户存钱还款。因为信用卡与储蓄卡不同，它鼓励的是透支然后按期还款，不鼓励往里存钱。你透支它给你免息，而你存钱它反而要收取一定的费用！这点希望大家注意。

补充说明：

1、之所以推荐招商银行信用卡，就是因为招行的信用卡服务在所有银行中是最好的。

2、该卡双币种，境外美元消费、人民币购汇还款，可以免去有些卡要先存美圆再可以用的麻烦，对没有美元的朋友十分合适、方便。

3、主卡、附属卡都同样享受免年费优惠（每年刷卡3次，消费金额不限）。

4、对该卡使用不明之处可到当地招商银行查询或登陆招商银行信用卡网站[http://www.8008205555.com](http://www.8008205555.com/default.htm)。

5、$1.95,在你PP发生业务后会自动转还到你的PP帐上。

#### 第四步、如何取现

方法一：申请支票

你可以向PayPal申请支票，通过国内银行托收，将PayPal账户中的钱撤回国内。普通用户申请支票的上额每月2,500美元（或等价值的其他可选货币）。如果每月2,500美元的撤款额度已经不能满足你的交易需要，你可以向PayPal发email，申请提高上额到10,000美元。这种方式的撤款周期较长，一般是1至2月不等，但是收费比较低廉，每张支票收费5美元。三种PP帐户取美元支票的费用都是每次5美元。

方法二：招行两岸一卡通

申请流程：

第一步：

请携带身份证和户口本，去当地出入境管理处（上海市浦东民生路1500号）；填写港澳通信证申请表，并提交相关材料；大概在十个工作日后，你将会收到通行证(具体时间以当地机构的规定为准)。

第二步：

请携带通行证和本人身份证去指定招行网点申请两岸一卡通：填写申请表并提交身份证和通信证的复印件；申请需要至少十个工作日，其间招行员工会告知你卡号，并要求你在该卡内存入港币五十五元，然后会去制作实体卡片；在收到实体卡后，请致电招行香港分行开卡。

简单2步就完成招商银行“两岸一卡通”的申请 ！
 同时提醒你必备的文件和证件：
 港澳通行证；
 身份证；
 招商银行两岸一卡通申请表。

另外申请过程中的一些相关费用如下：
 港澳通行证申请费约人民币两百元；
 招商银行两岸一卡通申请费港币五十五元；
 从PayPal提款到招商银行两岸一卡通，低于港币一千元的将收取手续费港币3.50元，一千及以上的将免费；
 汇兑损失。

至于从PayPal提款至招行两岸一卡通，则主要有下面几步：
 在PayPal.com上注册；
 添加招行香港分行为提款银行；
 从PayPal提款至招行两岸一卡通；
 整个提款过程需要5-7个工作日；
 你可以在中国大陆招行网点将港币兑换成人民币提出；
 对于两岸一卡通有任何疑问，请拨打：95555。
**还有一点要注意，银行可能会问及申请两岸一卡通的目的，请回答为了旅游使用。**
 篇幅有限，具体的介绍请点击下面的链接查阅：

[历史 eBay 链接（查询参数与旧重定向已移除）](https://www.ebay.com/)

方法三：办理境外银行帐户

在美国或者香港等国家和地区，PayPal账户可以向当地银行账户直接转账。如果你有机会出境，可以持护照在当地办理本地银行账户。这样，你就可以先将PayPal账户里的钱转至个人境外银行账户，再从境外银行账户转至国内银行账户。这种方式的撤款周期相对较短，一般可以在2周内完成，但是转账成本较高。

账户类型 提现时间 提现限额 适合人群 未认证 已认证 PayPal支票 6周 500US$/月
 累计最高限额≤3000US$ 支票≤2500US$/月 小型卖家/小型出口商 美国账户 3个工作日 500US$/月
 累计最高限额≤3000US$ 没有限额 在美国有亲友或通过中介
 公司开设美国账户的卖家 CMB两岸一卡通 5-7个工作日 500US$/月
 累计最高限额≤3000US$ 没有限额 适合所有的卖家

### 常见问题：

1、任何人只要有E-mail都可以申请PayPal。登陆你的PayPal帐户以及收钱也是用这个E-mail!!!

2、没有激活的PP帐户也可以收钱(只是发款总额累计不能超过500美元)，也可以与人兑换，并且可以用于购物，比如：当当购物网[http://www.dangdang.com/](http://www.dangdang.com/) 就支持通过PayPal支付。

3、发钱给他人点Send Money。

4、用支票取钱点Withdraw。

PP操作中有疑问可以直接点Contact与公司客服联系；英文不太好的朋友可以直接用中文与PP的中文客服[chinesesupport@paypal.com](mailto:chinesesupport@paypal.com)联系。

点击[这里](https://www.paypal.com/c2/) 马上加入** PayPal！**

### 相关链接：

- [网络银行](http://oldseedling.web-119.com/e-bank.htm)
- [中文网赚](http://oldseedling.web-119.com/chinese.htm)
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