Hey all,

I want to know if there is anyway for a person to use Paypal without a credit card? I can't apply for the Debit Card, as I am younger than the minimum 18 year old and above requirement. And no, my parents don't love me enough to give me a supplementary card.


2nd question, how does Money Order in Malaysia work. Let's say I want to buy an item in the US. What kind of Money Order should I buy? Where can I purchase it? I've heard that the Pos Malaysia's money order is not accepted in the US.


3rd question, If I don't use money order and paypal, what other options do I have?


thanks for bearing with me. much appreciated.


*let me know if i posted in the wrong place, unsure*

This post has been edited by kwekeugene: Nov 22 2006, 07:32 PM

To answer your first question: Try getting a NexG prepaid Credit card, any 7-11 store only RM25. Im not sure, what are you using PayPal for ? to pay for something or are you using it to sell your stuff ?

2nd, goto a bank, and purchase a bank draft - it can be used internationally. We are a Commonwealth country, and money orders from the post office can only be accepted in certain commonwealth countries (the last I check was ages ago, you have to reconfirm).

3rd, Options for what ? You have to state what you're using it for! To registed something ? Pay for something ? Send money to a relative ? I guess the only alternative is; telegraphic transfer - it's also called wire transfer.

This post has been edited by Xeoalpha: Nov 28 2006, 09:39 PM

Thanks for the reply.

I want to use the debit card to pay for something in Paypal. Does the NexG Prepaid card have a minimum age requirement? Does Paypal accept this NexG prepaid card?

3rd, What options do I have when buying things from oversea. Buying from a seller.

1. Anyone can use it, no income requirement.
2. Yes, PayPal accepts because it's a Credit Card (Mastercard).
3. You have all the options given to you by the seller. Why don't you just ask the seller or check the website ? Since you never mentioned where you;re buying from, I'm just firing blanks. Are you sending money to someone, or purchasing something off an e-Commerce website ? Normally: Bank Drafts, Telegraphic Transfers, Credit Cards.

Okay Xeoalpha, I think I'll just get a NexG Card. You've been of great help. Really appreciate it.

Hey no problem, shoot me a PM if you need any help.

Xeoalpha, what about other people sending you money in other currencies?
For an example, i sell something at Ebay and people want to buy/pay it in USD dollars. I dont own neither a paypal account nor credit card. what i shall do?

1. do i have to apply for the NextG and create a Paypal account?
2. if indeed i open a Paypal account, but from what i've heard you cant withdraw money here in Malaysia so that basically means even if the buyer pays me the dollars, i cant withdraw them anyway and the money is like 'frozen' in the Paypal acc.

if that the only solution to receive money in other currencies? or do you have other solutions? thanks

This post has been edited by ahtiven: Nov 30 2006, 01:34 PM

Hey there, I hope this helps you out;

1. You don't have to apply for NexG, it's a retail card - so everyone qualifies. Makes things simple for you doesn't it ?

2. Check this thread post #3: http://forum.lowyat.net/index.php?showtopic=374519
If you don't open a bank account in Singapore - then an alternative is to liquidate your USD to RM by selling in here. There are people in garage sales selling PayPal US$1 at RM3.2-3.5

Alternatively, you can goto 3rd party merchant banks if your margin is high enough to pay the %. I can recommend you a local one (3.5-5%), and an international one (8-10%). The local one enables you to accept Maybank2U payments as well, but there is a drawback: Setup Fees.

or you can ask them to pay by cheque, it will take 1-3 months to clear the check though. Bank drafts faster, but the buyer overseas will have to: Physically visit a bank, and pay extra bank charges to get it.

Then there's the wait time, as a benchmark: normal posted mail from the US takes 2 weeks to arrive here.

one more question Xeoalpha, does all 7-11 outlets have this NexG card? Whenever i want to top up prepaid, i go to a 7-11, right?

thanks Xeoalpha.

@kwek, you can top up at 7-11 only with NextG signboard, i think.

okay. thanks for the tip ahtiven.

You know what Xeolalpha, i think you have a paypal FAQ write up in the Trade Zone. I'm sure it benefit 1st time online paypal users. just my 2 cents.

Heh, glad I could help you guys - it's no problem. I just happen to know and I thought I'd share in hopes you don't make any mistakes, and save you time. There's not enough to write a guide on PayPal, maybe a guide on eCommerce payment systems, hmm..

Anyway, cheers!

Oh and one more thing, it is an Ambank card, so if Ambank is nearer than your nearest 7-11, lol... go get it there!

This post has been edited by Xeoalpha: Dec 1 2006, 09:25 AM

hye there Xeoalpha
uve been really helpful in the paypal thread
thanks
im borrowing my dad's credit card to verify the account
now my question is, will paypal charge me anything
im afraid that when i verify, my dad will have to pay a lot of charges upon verifying
thanks in advance

Hey Overrulled,

Paypal will charge you USD$3 on your dad's credit card. This USD$3 will be refunded back to you via PayPal (You get USD$3 credited into your PayPal account).

When you verify, your dad's credit card statement will show 3-5 digits (it can take up to a week for it to show), use these digits to verify.

You only have to verify if you want to be a seller, and withdraw an unlimited amount. If you're using PayPal just to purchase things off the web or send funds, then there's no need to verify.

This post has been edited by Xeoalpha: Dec 1 2006, 09:06 PM

so lets say if i bought things from ebay, then how do i pay through my paypal?
i buy the amount needed than just deposit into my paypal account?
i thought u need to verify ur account to transfer funds or even to use them

No you don't have to verify if you're just a buyer. First, make sure the seller on eBay accepts Paypal. Then after your auction/purchase, you can pay him via PayPal - eBay will have the link.

You don't have to transfer funds there, if you have 0 PayPal funds, and you purchase something worth US$10 - then your dad's credit card will be charged US$10.

but i heard that if u dun verifified, u cant receive any amount of money
is it true?

And if you're not verified, you can only send up to a max of $1000 according to the site

Is it true that u cant receive funds too?
a Paypal fund seller just told me that

This post has been edited by KilJim: Dec 3 2006, 06:12 PM

u can or can't receive funds?
a paypal seller told me u can't receive funds if not verified
which one is true?

Whoops sorry, typo there i meant can't actually