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dandy72 wrote: ...except I've never heard anyone say anything bad about my bank. I can't say the same about PayPal.
Touché. 
Can't say I'll stop using PP, but yay for options.
Jeremy Falcon
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Jeremy Falcon wrote: yay for options
Well, true dat. I've personally never had to deal with them, but with all the horror stories floating around, I'm perfectly happy to continue without having an account with them.
Not to mention that I've received enough PayPal phishing emails over the years that I wouldn't want to have to figure out whether any of it is legitimate or not.
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You've never received phishing emails pretending to be your bank?
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Plenty of banks, but never mine.
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...except I've never heard anyone say anything bad about my bank.
That must be a first! Please tell, which bank do you use, and I'll change my account asap...
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Did you just ask me for my bank details in a public internet discussion forum? 
See the first rule of Fight Club.
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..not your account details (unless you really wanna share? ), just the name of your bank.
But then, I've recently come to the conclusion they all suck to some degree.
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Holy time warp, batman.
At first, I thought this was a month old...but no, this is actually 13 months old.
Why do people revive ancient threads?
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Isn't Interac Canada-only?
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I believe they've been making headway elsewhere.
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Most (web)shops from foreign countries don't accept money from (foreign) bank transfers.
In the Netherlands we use iDeal (instant bank payment), but I haven't seen it in other countries.
It's mostly American Express (whatever that is) and credit card (so not Dutch, I don't have one).
PayPal is international though.
In the Netherlands I never pay with PayPal, whenever I order from abroad I almost exclusively use PayPal.
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Pay for something from overseas.
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All I've ever bought from overseas was through Amazon, and I trust them more with my credit card details than I'd trust PayPal with my Subway card.
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I use Pay Pal only to pay for items. The only time I had a complaint against a seller, Pay Pal handled it promptly.
Mongo: Mongo only pawn... in game of life.
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Yay for PPPPPPPPP (Praising PayPal's Prompt Professionalism Pertaining Periodic Payment Problems).
Jeremy Falcon
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I had the same experience. I purchased print cartridges online which didn't arrive. The phone number on their website just kept ringing. There was no email address to contact them. I complained to PP and they refunded my money in about three weeks. I also raised a ticket with the police but heard nothing from them. I assume the site is still on the Net.
I also use PP to transfer money to my grandkids in Australia and have never had any problems with that either. The only annoyance is that I used to be able to transfer Australian dollars, even though I didn't own any. It was cheaper than transferring British pounds, which had a higher exchange rate. They have stopped that in the new version of PP. The last time I transferred any money, the only choice I had was British pounds. It used to show all the currencies.
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C-P-User-3 wrote: What advice do you have for someone before he sets up his own PayPal account ?
Welcome to ~15 years ago! 
Jeremy Falcon
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Remember your password.
I forgot it once and resetting it is (luckily) not as easy as clicking the "forgot password" button
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It is a hell of a rigmarole to get it changed. I have needed too do it a couple of times lately. Sometimes it completes without bother; other times I have had to retry using another of their methods.
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Don't buy anything via Paypal if it's over £100, use a credit card instead and get Section 75 protection.
Use a credit card via Paypal and you lose this.
[This is UK of course]
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You didn't mention what it is you want to use your PayPal account for. If it's just to buy and sell stuff, then the topic is pretty much covered by earlier comments.
If, on the other hand, you're considering PayPal as a payment gateway for an app you're writing, then I would urge you not to do so. I was about to go live with them once, but the Sandbox suddenly stopped working. It took 18 days to get a useless reply from their merchant account support team.
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ecnelson wrote: You didn't mention what it is you want to use your PayPal account for. If it's just to buy and sell stuff...
Another guy and I are collaborating on a project, and he asked me to set up such an account.
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If you change your country and want to add a new card from that country you'll need a new account. Accounts are bound to the country you open them in. This was a bit of an issue for me, but nothing major.
If you are expecting to receive over 2000€ then your money will get locked until you confirm your bank details. This is done in the EU against money laundering. My company sent me some cash as my bank is slow with transfers and I was going on a business trip. The next time they sent money again over Paypal and triggered the protection and I had to do bank verification within 30 days in order to clear the account protection. I was able to use the paypal funds, but still it was annoying.
On the other hand Paypal.Me is useful when you want to send money to your friend and don't have the cash.
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I've used them for years to get and send money around the world. No complaints.
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Don't know is this is any use, as it depends on what you want PayPal for, but my client just used a service called TransferWise[^] to send me a payment from Australia, to South Africa. He did this just after 15h00 SAST the last Friday in 2015, and even for local inter-bank transfers, that's cutting it fine.
Our delays, under normal conditions, on interbank transfers range from 0 to 3 days, but only some banks offer the 0 days option, at a fee. So I send you money today, you get it tomorrow, or two days after tomorrow. Now often transfers done after or even close before 15h30 (standard bank closing time) are only processed the next day, so I send you money late today, you get it minimum the day after tomorrow.
TransferWise say an international transfer using them should take "1-4 working days", but they will "only send or receive your money during regular banking hours". I googled the time in Sydney when he made the payment, and it was a little over 00h00 there, and that is surely outside of normal banking hours nearly all over. With Monday being a holiday for New Years day*, even a local payment made that time Friday I would have to wait until Wednesday for the money.
On Tuesday I received a mail from by bank requesting some mandatory compliance information, and had I been certain as to what to reply, would have received the money that day already. I delayed until last (Tuesday) night before replying to my bank, expecting only a helpful response some time today at best, and a no-go at worst. This morning at 07h30 I received an SMS that my bank had already received the funds, exactly the same time as for a local transfer, and might have even been quicker had I not delayed.
* In my mad country, if a would be holiday falls on a Sunday, we get the Monday as one in compensation. Hell, last week we even got Monday and Tuesday for Christmas and 'Boxing' day, whatever you call the 26th December locally.
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