need guide and help about paypal.. want to buy somethings from ebay and others, but dont have paypal account.. im over 18 and dont have credit card yet.. can i still open the account?

QUOTE(engineered @ Jan 26 2007, 10:44 PM)

need guide and help about paypal.. want to buy somethings from ebay and others, but dont have paypal account.. im over 18 and dont have credit card yet.. can i still open the account?   

You wont be able to buy anything with that account as without a credit card to
verify your account on Paypal. Paypal will charge a refundable amount to your
credit card which will appear as a bill to your credit. This amount and transaction
will appear and will be used as a confirmation of your account. Only then can your paypal account be created.

u can verify ur paypal account using debit card. also, debit card could be applied even though u dun have income yet.

^ could you give a more detail explanation about debit card?
tq

Debit cards allow you to make purchases similar to credit cards but ur account must hav enough fund. many bank hav their own debit card like Ambank, UOB & public bank. Ambank debit card easier to apply . don't need open saving account. just buy the card at 7-eleven & submit application form. not sure the price. i think around RM25. u can verify ur paypal account using that debit card.
::Ambank NexG::

tq, hav being searching this debit card thingy last nite and couldnt find any,

I think you can get one from someone at lelong.com..keyword: Mastercard

The one offered by AmBank is a NexG prepaid credit card which u can purchase at 7-11, usually in Klang Valley, the fee charges is RM3 monthly so per year is around RM36

As for Public Bank Visa Electron (debit card), You can apply for it at any Public Bank branch. yearly fees is RM24 but waived for the first year. =)

Both of them need to deposit minimum RM25, Let's say if u need to spend RM50 with the card... U need to have RM75 balance in the card.

At the moment both of the card is accepted in Paypal. I personally using PB VE to verify my paypal =) hope this info helps..

can the account you created still receive funds even if you don't verify it using
debit or credit cards?

public bank debit card doesnt need to create an acc also ka?

Iam international student so can i apply

your account still can receive funds.. but there's a limit on how much u can receive/send.. but usually ppl who's gonna send u funds would probably prefer Verified accounts.

U need to create account actually. It's almost the same as AmBank NexG except that u need to go to PBB to apply for it. NexG u need just to send the form. Both also need to create account. PBB will take around 1-2weeks to get the card and activated. NexG activated in around 1 week if not mistaken.

I was a UOB MYC Visa Electron holder last time but too much hassle if i wanna deposit funds cos not many UOB branches around Malaysia. MYC VE = Debit Card + Discount Card + Student Card...

NexG is a credit card but a prepaid one. That's how Ambank try to differentiate it.
PBB VE is a debit card and usually cards with a Visa logo is accepted widely around the world.

I'm not sure about PBB but UOB VE is available to International student...
U can try calling PBB to ask about it tho. Public Bank

Anyway.... I'm not working for any of these banks.. Haha... just that i've gone tru up and downs using various debit cards... At the moment i'm using PBB VE linked to my SA with Internet Banking so I have total control of the usage of my card.

adoi. penin2
will check later when my head not penin anymore

aiyo.. why so pening?

do you still have any funds in your paypal account.....???? i don't have any account but thinking of buying something in ebay.

is it possible for you to sell some funds to me????

i didn't put in any funds into my account .. i just use my debit card to pay tru paypal.. =)

thinking to apply one of those PB debit card.....

meltz84....if i have the card i have to fund some money into my PB card so there's value in that debit card right.....

yup... deposit is RM25. But with just RM25 in your account u can't purchase anything...
E.g. If you have RM100 in the account , you can purchase RM75 worth of stuffs with the card.

If you intend to verify your paypal account... Paypal will charge your account for USD1.95 equiv around RM7+

so which one is the best way to apply....online or just drop by to PB branch??? I'm quite busy.....and how long does the process take.......till my card ready to use....

Regards...

Either ways would be good actually...
If u apply online you receive a letter within a week asking u to visit the branch to produce your IC for verification... after that u'll have to wait for 1-2 weeks to get the card.. you can choose to receive your card by courier or from the selected branch... hmm... i think the whole process should be around 1-3 weeks.... depends how fast they gonna process your application...
I applied mine in Seremban.. so it took longer... if you're in KL i suppose it's faster

just an extra infor...

for NexG, u just need to purchase the pack from 7-11 and then complete the Registration Form inside this pack and send it along with a copy of your NRIC in the Postage Paid Reply Envelope provided . If not mistaken, the account should be activated within 1 week then u can proceed to Ambank or any merchant that can let u top up your card....

thanks...that's really helpful.....I need a card that can help me to purchase online like ebay via paypal but without having headache thinking about making payments at the end of the month. debit card is a really good way for a 'poor' man like me....

IYHO....is PB VE the best debit card around....and do I have to own a PB bank account to qualify for the card???

one more thing...I can make a purchase using the card wherever the sign right.....

This post has been edited by kupraq: Feb 12 2007, 12:38 AM

i don't have any monthly income since i'm only studying.. therefore, a debit card is more suitable for me... hehe..

Well, so far i think PB VE can consider as the best card in msia... cos the first year is free.. u can terminate it within 1 year if u dun like it... u dun hav to pay anything.. hehe...

usually, u dun really have to have a PBB account to qualify for a debit card... but it's best if u have one... like me... i use my SA to tranfers funds to my card tru online banking... quite convenient for me... if you don't have one... u probably have to take the hassle of going to the bank just to reload your account and to check your account balance.... oh btw... there's a free monthly statement too.. =p

um... if not mistaken, you should be able to purchase a stores with a Visa sign, preferably with a Visa Electron sign too...

I bought my domain name online from a website that only have a Visa logo and my transaction went tru... so i guess.. there's no problem with it.. =)

anyway, i think it's merchant dependent, up to them if they willing to accept or not. conclusion is that, if you're planning to buy stuffs tru ebay, there shouldn't be a problem cos you're only using Paypal as the middle person... =)

Hi meltz84, gud info there. Thanks for sharing it here.
One question, does this debit card entitled for rewards point too, like the CC, which we can redeem with items/fee/etc ?

Thanks.

i got to ambank just now asking for nexG card. and she said there is no monthly payment, and i was like
anyway the lenglui said that i hav to wait 3 working days for them to post da info to my house. will go back later to ask more, and myb reg today

edit: just reg it, hapa la amoi 2, suke2 je ckp no monthly pay
need to pay rm3 monthly.
and da guy at da counter said that i can terminate the card anytime
hohoo paypal here i come.

This post has been edited by dfcloud: Feb 12 2007, 04:05 PM

hmm... i guess not.. since it's not a credit card, the bank can't earn interest so there's no revenue for them to subsidise any gifts... But i think my booklet did mentioned there's a cash bonus for every RM1 u spend.. quite low... around 0.5% i think... they'll credit the bonus into your account at the end of the year, i think...


haha, some clerk working in the bank doesn't know much bout the card cos their main biz is something bigger... such as CC, SA, CA, FD etc... lol when they launch NexG, they made it avail in 7-11 but didn't mention u can get it from the bank... weird huh...

anyway, i think 3 working days is when u submit the stuffs at the bank...
diff if ppl buy it at 7-11.. cos it will take at least 1-2 days for them to send the form to the bank and another 2-3 days for them to process it...

Gud luck~ hehe

thanks for the guide.....your the man brother.....

tq melz, u have help me alot.!!!

hehe..
glad to help...
just sharing some experience...
u shud thank TS too...since he started the thread.. hehe

yep. tq TS, if its wasnt for u, it would be hard for me to find all this info by myself.

good luck on future

haha...
i guess there's alot of u planning to purchase stuffs on ebay huh?

oh btw.. i forgot to include... those who are using NexG, the card is accepted by merchant as a normal as Mastercard Credit Card, not as a Debit Card. That's the only thing that differentiate NexG and Visa Electron. Mastercard also have debit card but i forgotten what it's called... It's not available in msia tho... =p

After all those buying, sometimes we need to withdraw money from Paypal, here some site giving suggestion on how to withdraw money from Paypal:

http://www.szab.net/blog/2006/07/05/pandua...i-akaun-paypal/

http://moneyblogger.net/archives/2006/09/0...ithdraw-paypal/

http://moneyblogger.net/archives/2006/07/1...aw-paypal-fund/

I find out by using google.com....

This post has been edited by Junior83: Feb 15 2007, 02:25 PM

Hello melz84,

Its precious informations that you have shared here..thanks man. But I have questions to ask..let say I'm using AmBank NexG Prepaid MasterCard to activate my Paypal account and I have the total credit of RM100 in the card..is Paypal will directly deduct the charges of USD1.95 (RM7+) from the credits in my card or Paypal will send me bill to pay for it?

If I'm buying something from eBay US for the item cost me about USD100 (RM350+), is that mean I have to topup the credit first into my card to make the payment?

Thanks.

This post has been edited by satanclausz: Feb 23 2007, 05:05 AM

Frankly speaking, I'm not quite sure how NexG actually works. Assuming it's same to PB VE, when I want to verify my Paypal account, Paypal will charge my card for USD1.95 and the amount will be deducted directly from my card. Public bank sent me a Card Usage Notice everytime I make purchase online. In that notice, they will state the time/date of transaction and the transaction description.

For Paypal, verification purpose, you'll see something like 1234PAYPAL--*EXPUSE on the notice. Notice that the first 4 numbers are your verification ID that you need to enter in the paypal page to verify and remove limitation of your account.

I'm not sure NexG does the same. If they don't, you might probably want to check your card account online. Usually there's a transaction details where you can also find that code.

I think if you plan to buy something from ebay for USD100, I would suggest you to have at least RM400 in the account. Just in case cos for PB VE case, RM25 in the account is considered as a deposit and can't be used. Which mean I will only have RM375 in the account. You might want to have extra $$ in the account if the item price excludes shipping =)

Hello melz,

Thanks again for the infos.

This post has been edited by satanclausz: Feb 23 2007, 03:23 PM

no prob....
btw..
i dunno whether this is true...
Paypal will actually refund that USD1.95 into your Paypal account instead of your debitcard when u make ur first payment tru Paypal.

I've not yet purchase anything tru paypal cos most of my purchase are done directly to my card. So i think i'm not eligible for that refund.. haha

melz, i have something to ask again..

Can I have online account for the card even I never have a AmBank account?
NexG can be use wherever the MasterCard is accepted right?

Thanks melz

Its true....

But actually its your money...
Paypal doesnt charge u anything for the service..except business account ofcourse.

The USD .95 is actually the amount charged by paypal to your Credit Card when u verify your card..
So then paypal will credit the USD 1.95 into your account....The amount was just to verify your card (paypal include a password in reference number in billing so u need to key-in the password into paypal website to verify your account)

---

Added on February 23, 2007, 3:29 pmIf u dont have NexG card, how can u get an online account?
NexG can be used anywhere that accept MasterCard or Visa.

This post has been edited by WaCKy-Angel: Feb 23 2007, 03:29 PM

thanks for clearing my doubts, WaCKy-Angel

I'm not sure, but some said that if you get a NexG, you probably able to register for an online account to track & monitor your card usage.

Well I mean anyone can buy the NexG card even they doesnt have AmBank account since the NexG can be bought at 7E..so that I just wondering if I have NexG card, can I have the online account to check the spending or balance credit of the card? but at the same time I dont have the current or saving account with AmBank.

Thanks.

This post has been edited by satanclausz: Feb 23 2007, 03:55 PM

I think can. I think I've seen someone post something about it somewhere. I think someone in this thread is using it already. Hopefully he/she would update us about it.

Erm ok then..to melz84 & WaCKy-Angel..thanks alot.

Hi, I'm getting my PB debit card soon. I'd like to know if I have to add fund to the paypal account (after getting verified) to send money, or paypal will deduct the money from my debit card account automatically as the account does not have any money?

i think you don't need to add funds. Paypal works as a middle person if not mistaken. All your purchase should deduct $$ straight from your card.

Does PayPal accept debit card from Malaysia? I know they accept Credit Card but not sure about debit card.

As for credit card cash, you do not need to add fund to your PayPal account. When you make payment, it will automatically deduct/charge from your card.

Regards,
Kho King
www.ECMalaysia.com ~ Electronic Commerce in Malaysia!

yes... Paypal does accept debit card from malaysia... it's been quite some time already.. hehe
but then the cons is.. we're still unable to withdraw money...

Any guys here can help me regarding withdraw funds from paypal to my hk bank account.

My bank account number got 10 digit, but paypal given space for me to
fill in account number only between 6 to 9 digit, so i can't fill in my 10
digit account number.

Pls instruct me, thank you!

---

Added on March 23, 2007, 2:00 pmHow to i add funds to my paypal account?

This post has been edited by rstusa: Mar 23 2007, 02:00 PM

Hi there

I see you mentioned a lot of AmBank and PBE strategy on debit card. I like to issue 2 questions: -

a) How our Paypal link to the our debit card? Does we need to do any setting in Paypal web site or duing submission of debit card registration form?

b) Put it further, in case my Paypal acount is banned due to certain unknown reason, how can I reactivate back my new Paypal account number which will attach to this debit card?

Pls advise. Tq

a. Debit card can be linked tru the Add Debit/Credit card section. And they'll charge you USD 1.95 for verification.

b.I have an account which is also banned due to unknown reason. I tried to check with Paypal but they didn't give me an exact explaination. So i opened another account instead. So i guess, it's either you try asking for customer support and checkout what's wrong with your account or just open another one.

Thanks for your reply. You answered how the Paypal link to debit card number through the paypal web site in the question (a) . My next question is how is the debit card recognise which paypal ID that we are using? Are we going to tell this in the earlier debit card application form?

With the above doubt, it brings to my question (b). How can we re-link the debit card number with the NEW Paypal ID in case the old one is banned? Are we going to repeat the setting at both Paypal web site and also through the debit card application form?

Pls assist.

Thanks

---

Added on March 26, 2007, 11:41 amSo far, I have collected information on how to use debit card in order to utilise the money in Paypal. I am curious if there is a method to withdraw the physical cash in Malaysia from Paypal as I see ppl publish in this web site, http://www.malaysiapal.com/ . Appreciate if anyone can explain in detail.

This post has been edited by eslife: Mar 26 2007, 11:41 AM

When u applied for the debit card, you don't have to tell the issuer bank what you're gonna do with the card.

Just apply a anew Paypal account then add the Debit Card details in.. it's that simple =)
it's not that complicated as you think...

Anyway, about the withdrawal of funds from your paypal... I'm not sure MalaysiaPal works. Cos i personally never tried it. But then, you might wanna sell the funds in the forum... There are some people who are willing to buy them in exchange for RM. =)

I notice there's quite a number of Paypal funds seller on LYN

Thanks again for info. What is LYN? Any idea what is the web site?
I prefer to sell the Paypal for money as I liek to use to other invetsment.
Any idea what could be the rate of selling and buying?

haha.. LYN is the forum that u're currently in... hmm. maybe u should checkout the Trade section of the forum... some members are selling their paypal funds there...

Thanks. i just join LYN recently. I prefer the chinse forum much. Maybe you can recommend some good and trusted one since you have been years for longer time. Appreciate for this help

can someone help me why the paypal give this message when i'm registering the ambank NEXG card?

This credit card has been denied by the bank that issued your credit card. For details on why your card was denied, please contact your credit card issuer's customer service department. Or, you may want to try adding a different credit card.

i called up the service centre and they said my card is active...but dunno what when wrong

but yet i still not toping up any extra funds yet to this nexg card...maybe is that caused the problems?

Actually i'm not sure if they're trusted ones or not but I did see some good feedbacks tho. I personally haven't tried buying nor selling paypal funds. Hehe... If i know how to read chinese, i would visit chinese forums too... =p

Try topping up some funds into your card and then try again. Make sure your expiry date and the CVV code is correct. I had the similar problem like yours too till i found that i entered my expiry date the opposite way.. =p

well, u need to top up at least rm 50 if u want to verified it with paypal. i do it a long ago and now just order something from play asia and ebay.

i see u guys know a lot about this stuff and salute you!
but i do have some question to make you explanation a little more clearer.

so far this is what i understand:

i activate my debit card; which i bought from amBank.

so i need to have a paypal account so that i can buy stuff on eBay worldwide.

i register for a paypal account

i have to 'top-up' my money on the debit card in order to 'top-up' my paypal account.

assuming i have money on the debit card, i can top-up my paypal fund on paypal website.

i can go shopping now

....am i right? or am i missing something??

hmm...
i think it's not necessary to top up your paypal account actually....
when u make a purchase using paypal... it will deduct from your card..
i tried that once when paying for hosting.

but make sure the account is verified.... cos most merchant prefer verified account...
anyway.. i still think that it's the best to open a premier account...

meaning...my debit card must have some kind a 'link' to my paypal account? as long as theyre money on my debit card, i can continue my shopping innit?

what a verified account? is it the same as lelong.com.my verified account? where i have to send them the copy of my IC n stuff...

and whats premier account?

u don't need to top up your paypal acc. it will deduct automatically to your credit card. and yes, ambank nexg can be used online.

yes.. u have to add your debit card to your paypal account...remember... to get verified... paypal will charge you USD 1.95 . so make sure u have around Rm35 + when u do the verification...

btw... sometimes u dun really need to use paypal to make your purchase..
I bought domain names from websites accepting Visa. transaction went tru...

btw.. i'm using Visa Electron...

if a website accept Visa, or Mastercard try purchasing directly using your card... if fail then only proceed with Paypal.

another thing is... NexG Mastercard is a bit different from any other debit card like Visa Electron...
NexG is a credit card, not a debit card. the only thing that differentiate it is that it's a Prepaid-Credit Card...

i see...i thought its a credit card. what makes it a credit card? it has annual fees or sumthin?

u can use it worldwide where mastercard accepted. also the annual fees is RM 36 charge by RM 3 per month. deducted automatically from your fund.

dunno eh... AmBank seems like wanna make it stands out from the rest...
credit card sounds nicer than a debit card ma....
but still u need to top up before using...
LOL...

same concept... diff name only... but online transaction will recognize NexG as a credit card.

damn. i already bought the card. and now i have to pay summore?! better go to the bank to get better info from them.

hey thanks anyway to u guyz.

i posted it in kopitiam forgot to post here
once again, thx melz

edit: haih... now evy1 punyer paypal suda habis..
melz, dont you sell some.

This post has been edited by dfcloud: Apr 5 2007, 03:09 PM

I already got the UOB VISA ELECTRON !!!! Why cant I add the card to my paypal account.
Error"This credit card has been denied by the bank that issued your credit card. For details on why your card was denied, please contact your credit card issuer's customer service department. Or, you may want to try adding a different credit card"

What can be the problem when I already have sufficient funds in my account.

wow it took THAT long to verify your card??????? damn

oh well.. that's business.. ahaha

lol.. i never have any paypal funds in my account.. i'm just using paypal as a medium of transaction.. hehe.. buy things only ma.. i never sell stuffs... lol

check the expiry date....

if it says 07/11 ... try to reverse it... might do the trick... cos i did that.. LOL
and make sure ur CVV code is correct.... 3 digit number behind

1 month actually till you get the pin no.

heheheh, nvm2. buy edy.

This post has been edited by dfcloud: Apr 5 2007, 06:33 PM

I talk to UOB VISA ELECTRON officer,they said only can POINT OF SALE,cannot be use for ONLINE PURCHASES,damn I cant verify my paypal account with UOB card !!! Looks like I have to get the Public Bank.
UOB - Useless of All Bank xD

applied for Public Bank i suggest for people who are 18 years old above. more convenient.

i was a UOB VE user previously... but i cancelled it cos it's a bit mah fan to get to the bank.. not much UOB branches around....

u have purchased something off eBay rite? if so...where is the farthest country you have tabled a bid so far? the package turned out ok?

I alerady have the Paypal account with money sent by other people. I need a debit card to accept the payment but till now i still do not apply any debit card. Below are my questions

a) Any idea I still can change my country from Malasia to S'pore in order to allow my brother withdraw frm there? My brother has the bank account there. Is this still a legal way to convert the country after you received the fund and assign the bank info at this time?

b) How long for AmBank to process and for me to get the AmBank VE from my form submission? What will be the fee or minimum topup or renewal fee ? Does this base on yearly or monthly. If I like to cancel anytime, is this possible?

c) Can one debit card attach to many Paypal number? If yes, does this valid to Paypal?

This post has been edited by eslife: Apr 6 2007, 09:11 AM

apply for nexg card for fastest. fill in the form and fax instead of email. within one week, u can add the ambank to your paypal account.

nope.. i never purchased from ebay... i was using UOB VE to buy things on Point of Sale in msia last time.. lol...

but now.. i purchased domain name from the internet... as paypal is just a medium of payment for me.


a) NO, you can't change the country from msia to singapore. This is clearly stated in their TOS. It's the best to do that but no point attaching debit card to your account also.. cos u can cash out in malaysia. But if u're doing it, so that u can transfer those money to your bro's paypal account, then shud be no prob.

b) I'll leave this to others who uses NexG.

c) 1 Debit Card can only be attached to ONE paypal account only.

Hi, I have read almost of the reply and I am impressed that you all have been though so much before getting your paypal account verified. I have started working and i am having a few credit card. With the credit card i have, I verified my paypal using my credit card account number, check my credit cared statement online on the next day, enter 4 digit pin, and that's it. MY account is VERIFIED.

From the feedbacks, I sees that Next Gen is using the credit card concept and it should probably have save a lot of troubles for you all.

As long as you get your paypal account verified, everything should become simple when it comes to purchasing e-bay goods or paying for online service.

I also have a US Bank account, thus I been around in lelong dot com helping people to withdraw USD out from paypal to their Maybank account. Only a little commission charged to cover up the processing fees and the leadtime my money pending to withdraw. You may contact me if you need help on withdrawing USD.

Guys, just an enquiry here.
If I got a HSBC US account, means I can withdraw PenPal funds into my account, right?
I also have a Public Bank Visa Electron Debit Card.

Here comes the question:
When I open an PayPal account, I use a Malaysia address and the Malaysia PBE Debit Card but when I withdraw, I use the HSBC US account number. Is this possible??

yes... if u have a US bank account.. u just need to add it into the appropriate section of your account profile..

Can paypal verify ambank nexg?

if u mean using NexG to verify your Paypal account... then Yes... =)

BUT Mine got denied la,huhuhu

want to ask,an unverified paypal account can transfer funds to others?

cannot wooo...

cannot...

how come??
what error u got?
how much fund do u have in there??
make sure u have around RM 40 in the account

i think the card is registered for person under 18. thats why la denied by paypal becoz paypal need 18 years old in their T&C.

lol... that's too bad..
anyway, once my screamyx gets better... i'll do a tutorial on enrolling Public Bank Visa Electron secure payment.. =p

atm... i'm really getting nutz over tmnut... stupid screamyx getting dc every minute.. sigh

i think the publc bank only for 18 years old and above. kesian kt QD buyer.. cannot use paypal..

yes and it minus around rm10 from my total rm30 credit as confirmation.

QD, i think you better check your exact registered First Name. Go to ATM, deposit some money( rm30 min i think) and keep the receipt. When adding card at paypal, use the name on the receipt as your 1st name. Mine denied at 1st try but after trying this, my account verified already..

This post has been edited by mfa333: Apr 16 2007, 01:13 AM

Sifus, sorry for the late reply...
That means I can have a Malaysia PayPal account and still withdraw funds to the US bank account??

yep... of cos you can =)
that's why alot malaysian are trying to get a US based bank account , so they can use it to TT their funds back to their bank accounts in Malaysia.. or use those US based debit card to get funds out of paypal..

Thanks dude. Hopefully I don't bumped into any problems... I wonder why PayPal still don't allow malaysia to be included into the list of countries...

Due to large amount of fraud from malaysia about a year ago back.. Personally I'm using a singaporean bank

that's right... sad to say that malaysia is still listed in the world's scam and fraud list... thats why they don't allow withdrawal to banks in malaysia

and that's the reason why alot of online store doesn't include Malaysia as their shipping destination

i wonder if 2020 vision could change this.

been reading thru the post..good info

but my Q is:

If im selling something, and the payment made by credit card, is the payment going straight to my bank account or to the paypal account?
If its goes to the paypal account, is there any way that i can withdraw the money??

Goes straight into paypal account

Same restriction applies...

wat kind of restriction?.. so there's way to withdraw the money??

Like what u've read above...
U can either create US account (stock exchange account), Singapore account (or equivalent except MY account), sell it to other paypal member.

i suggest make a singapore maybank acc. from there u can TT easily.

any bank that u would suggest??.. im not so sure about their banking... is that mean i hv to go there and open an account??..from there can i transfer it to our local bank (eg: maybank, cimb etc)??

i not have any clue. never create overseas bank acc before.