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PayPal Online Payments
bird_man
#1 Posted : Monday, February 16, 2009 6:00:00 AM
Rank: Veteran


Joined: 11/2/2006
Posts: 1,206
Location: Nairobi
Hi all,

I'm in the process of starting an online business. I will be paying for some services once in a while using a visa debit card.Now for that I think I can use PayPal to make secure payments.

My problem is receiving payments.I will need to receive payments from a number of buyers in US and maybe UK. PayPal is really the trusted payment gateway there. However,I have read that in Kenya,and in fact almost all of Africa,you can only use it to make payments and not to receive.So what other method is available for those wishing to receive payments?

I expect to sell the items and services at around $50 on average.So i need a means that those Americans will be comfortable with,and also one that's cost effective for me.

Anyone out there?

The course of the world is changed by those who dare dream!
Formally employed people often live their employers' dream & forget about their own.
mnazi
#2 Posted : Monday, February 16, 2009 8:57:00 AM
Rank: Member


Joined: 1/9/2008
Posts: 11
try ikobo money transfers services

www.ikobo.com

much reliable

twah
sizzla
#3 Posted : Monday, February 16, 2009 9:22:00 AM
Rank: Member


Joined: 6/10/2006
Posts: 201
Location: Nairobi
Let's face it,paypal is one of the most efficient services in the market. For my online venture I had to use the services of a US resident to open the a/c then I got a debit card which I use to withdraw funds in kenya

www.blackyard.net
gramware
#4 Posted : Monday, February 16, 2009 10:28:00 AM
Rank: Member


Joined: 1/8/2009
Posts: 14
try google checkout. i think they offer similar services.

http://gramware.blogspot.com
alma
#5 Posted : Monday, February 16, 2009 10:50:00 AM
Rank: Elder


Joined: 7/20/2007
Posts: 4,432
Having dealt with Paypal for years I would recommend you avoid using them if you are not following their terms and conditions.

Among the main ones is that you cannot recieve money if you are in Kenya. Granted you can have someone send you a debit card but I can assure you,with paypal,it normally ends in pain.

They can close your account in a hurry together with your money if you even login from another country. You can escape it for sometime,but they do eventually catch up.

If you wish to do ecommerce online,open an account with 2checkout. They are more Kenya friendly and you will get your money without fear of the great paypal shutting down your account.

2checkout allows you to take credit cards as well as paypal payments so you never have to worry of never qualifying for paypal again.
Jose: If I make it through this thug life, I'll see you one day. The Lord is the only way to stop the hurt.
bird_man
#6 Posted : Monday, February 16, 2009 11:31:00 AM
Rank: Veteran


Joined: 11/2/2006
Posts: 1,206
Location: Nairobi
Hi thanks guys for the contributions.

I have checked out ikobo. Now my problem is that getting your avarage American to use that might be difficult since they are so used to PayPal and besides,every major store or online business advertises PayPal as their preferred merchant.

I have also checked out google checkout.....was expected to come in with a big bang like most google products but alas!They messed up kidogo during the start and now E-bay and stores like Levi have banned use of it on their site.

So i guess im stuck with a PayPal that does not cater largely for the african market when it comes to receiving payments.I have a friend who uses the brother's account in US to recieve payments......now im starting to think thats the only way out.Ama?

The course of the world is changed by those who dare dream!
Formally employed people often live their employers' dream & forget about their own.
sizzla
#7 Posted : Monday, February 16, 2009 11:38:00 AM
Rank: Member


Joined: 6/10/2006
Posts: 201
Location: Nairobi
@ alma i don't know which paypal you are referring to but the one i know does indeed allow you to login from a foreign country. I have been logging in every other day from Kenya to check my online balance with absolutely no problems.

Check out paypal.com/ke which is the kenyan version of paypal. They indeed track your use of the debit card which is meant for use worldwide when people go on holiday e.t.c

Plus they can't close your a/c. They only need you to verify that you will be using the card outside the country which can be cleared up by calling their customer care office from within the US. Simple...

www.blackyard.net
bird_man
#8 Posted : Monday, February 16, 2009 12:33:00 PM
Rank: Veteran


Joined: 11/2/2006
Posts: 1,206
Location: Nairobi
@Sizzla,

But can you withdraw your PayPal balance while in Kenya or receive payments while in Kenya?That's all I need.

As in if a guy in US sends $50 to my PayPal account,how will i redeem it here in Kenya?

The course of the world is changed by those who dare dream!
Formally employed people often live their employers' dream & forget about their own.
alma
#9 Posted : Monday, February 16, 2009 12:40:00 PM
Rank: Elder


Joined: 7/20/2007
Posts: 4,432
@sizzla

Having been with paypal since the beginnig of time,I can assure you,be very careful with them.

If you signed up with an addy in the USA then started loging into your account from another country,trust me,they will block your account soon.

The debit card is easy as you can use anywhere. However,loging into your account,you have to be very careful. I am talking from experience of having my paypal accounts blocked more than 4 times in my 'short' online career.

I will explain. If your brother opened the account in New Hampshire then you start login into the account from another state let alone a country,it can automatically shut you out. I am not talking things that have not happened. This happens frequently.

The solution to paypal is simple. Set up an account with 2checkout and you can get paid by credit cards and even paypal if you wish.

trying anything else I can assure you is only short term and paypal loves attacking when you have money stashed in there.

If you must use paypal,2checkout has the facility to allow you to recieve paypal payments.
Jose: If I make it through this thug life, I'll see you one day. The Lord is the only way to stop the hurt.
alma
#10 Posted : Monday, February 16, 2009 12:50:00 PM
Rank: Elder


Joined: 7/20/2007
Posts: 4,432
@bird man

you really do not need paypal to do online business. It helps but it is not mandatory. As long as you can accept visa and mastercard logos,paypal is not important in online business.

If you must use paypal when in Kenya you can

1. Ask your brother to set it up for you from abroad.....the risks are too much in my opinion.......
2. open an account with etrade or hsbc and verify your paypal account with the debit cards they will give you.....
3. Open a merchant account with 2chekout. that should take care of that
4. I don't know which bank it is but I think theres a Kenyan bank that you can use to open a foreign account. Use that .......

Jose: If I make it through this thug life, I'll see you one day. The Lord is the only way to stop the hurt.
sizzla
#11 Posted : Monday, February 16, 2009 1:40:00 PM
Rank: Member


Joined: 6/10/2006
Posts: 201
Location: Nairobi
I admit there are some problems with paypal,especially if you are a seller,but i can assure you loggin in isn't one of them. am sorry if you had your account closed,but you can simply file a complaint with US authorities.

Being one of the largest online banks worldwide,you can imagine how many people log in to their accounts from outside the US. This doesn't mean that their a/c's will be closed,does it?

Anyway,to answer your question birdman,you can make a withdrawal from any ATM with a Mastercard logo. There is a daily limit of $400 though...

www.blackyard.net
alma
#12 Posted : Monday, February 16, 2009 2:14:00 PM
Rank: Elder


Joined: 7/20/2007
Posts: 4,432
@ all thinking of paypal

I use paypal but it is prudent if you are going to do business online to understand what you are getting yourself into.

Paypal can and does with frequency limit accounts. Such a lock out can be a minimum of 6 months. They are always auditing their systems and trust me,they are efficient.

There are a number of well known reasons why they will limit your account

* Size of withdrawals
* Some proxies & IPs of unsupported countries
* Many refunds/chargebacks
* Amount of money going through account
* Credit/debit card that does not check out
* Types of products being sold
*using different too many ips to login to your account. Now if you are using safaricom,you know you can have even 5 different ips in a day!

If you have any of these with your account,they will find you out some day. the problem is that it always happens when you have a lot of money in there.

Talk to your paypal agent. They will inform you that if you login to your account from a different country from where it is registered,you are likely to have your account limited. Just because they haven't locked you out yet does not mean that they won't.

I have looked for a solution for Kenyan merchants and the safest for them is simply using another merchant.

Kenyans have the option of using plimus or 2checkout and in my humble opinion,they work just as well as paypal. You can also use moneybookers.

Do a google search on paypal limiting accounts. You will be surprised at the number of accounts locked out and the risk you are taking for your long term business.

If you wish to be happy with paypal,please follow their TOS. You can bookmark this post for future reference but if you are using paypal for Kenyan business,sooner or later,they will limit your account and it is not fun.
Jose: If I make it through this thug life, I'll see you one day. The Lord is the only way to stop the hurt.
Newhere
#13 Posted : Thursday, August 06, 2009 11:57:00 AM
Rank: Member


Joined: 5/14/2008
Posts: 10
Hello all:

am wondering how Paypal purchases work in Kenya - can I use a debit card to add funds to my paypal account or does it have to be a credit card. Also if its debit is there any limit?
Thanks
jitetee
#14 Posted : Monday, August 10, 2009 8:16:00 AM
Rank: Member


Joined: 6/12/2008
Posts: 92
Trying to upgrade my Paypal account from Personal to Premier or Business so I can escape the limit on personal accounts and avoid issues in future. Anyone done that before or with insights on potential pitfalls or problems it might portend?

@Alma - Your advise here would be appreciated. And any other expert.

Time and chance happen to all.
alma
#15 Posted : Monday, August 10, 2009 4:47:00 PM
Rank: Elder


Joined: 7/20/2007
Posts: 4,432
Its been long since I had to verify my account but it should be very easy.....In the first page you should see a link that says,lift your limit or even just shows the limit that's in your account. Just click on it and follow the instructions.....they are simple,you just need to verify your bank account and/or a credit card issued by your bank. (by the way,not a Kenyan bank but a bank from a country recognised in their TOS)....Then you should be fine......However,please don't think that this will stop your account from being limited when they think you are doing something against TOS......That is why I would advice you to use 2checkout as your payment processor if you will be loging in from Kenya......I now know of one guy who has had his 5k dollars stopped after i last wrote below.....So please join 2checkout,they will process your paypal payments and you never have to deal with their issues.
Jose: If I make it through this thug life, I'll see you one day. The Lord is the only way to stop the hurt.
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