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Author Topic: Second PayPal account  (Read 9286 times)

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« on: January 03, 2008, 05:10 »
PP help files does not explain it well.

I have a personal account and I want to keep it for receiving money from sites that do not work with MB.  But I want to have a business account to receive credit or direct card at lower fees (right?)

To open a business account, but keeping my personal account, I know I have to use a second email address.  Is there a simple way to open this second account, given that I already have one account with verified data, or do I have to enter all data again?


« Reply #1 on: January 03, 2008, 05:47 »
As far as i have found out (i have two accounts) you have to re-enter all the data, but you have you use different data, like a different bank account number and credit card and such.

« Reply #2 on: January 03, 2008, 17:16 »
Oh, I thought only the email had to be different.

I have another doubt, now trying to understand the buyer's side.  I thought someone using a CC would not need a PP account, they would simply give their CC data and the receiver's email address, but I found out that the person needs to open a PP account.

So, in the end, what is the difference between a payment received from a PP account (which is free in the personal account) and from a CC (which in the end requires a PP account and nevertheless is charged to us)?  I mean, if client "A" has funds in his PP account and transfers US$50 to my personal account, I don't get charged, whereas client "B" has currently no funds in his PP account and uses his CC to load some to transfer me the same US$50, why should I be charged for this? 


« Reply #3 on: January 03, 2008, 17:34 »
well basically they are just wanting a way to charge stores, ie people who do lots of business on paypal, and make it free for all the buyers so they sign up.

But a buyer CAN use a credit card without having a paypal account.  I think you have to edit your store settings though to allow that.  I have it working that way for my store at rentkamera.no  If you want to see how it works go there and buy something and go through all the way until you enter the credit card, then just cancel the order. 

The site is



« Reply #4 on: January 03, 2008, 17:57 »
I have more than two. One takes CC and is a "business" account. The other is a "Personal" account. Plus I have one for a different business, so the funds are co-mingled.

Each needs to have an individual 1) email address (which with gmail and the rest of the free ones, isn't much of an issue) 2) Separate bank account associated with it. 3) Different Credit Card associated with it.

I'm not sure if there are new rules, because last time I opened an account they wrote that the SS number or tax ID associated with it, or phone number (or something?) was the same as another account, and asked if I was really myself.  ;D

Personal accounts do not take CC payments, so you would have to reverse the payment, should someone choose to pay that way. Personal accounts do not incur fees when people send you money.

The biggest problem I ran into was people who can't read an auction listing and don't understand "I don't take credit card payments", plus eBay was so tired of reversing charges that they banned stating that data in an auction listing, but the auctions will still say PayPal accepted.

Should none of your questions have to do with eBay, ignore the details above.

Yes, you can have multiple PayPal accounts.

I don't know how it is where you are, but many banks offer free checking, so I just opened an account that way, and have a place to transfer funds from PayPal.

At one time I used the Free Debit card that came with that account, but someone advised that if your information was stolen, someone could empty your checking account, which isn't protected like a credit card is, against fraud. Now I have a different CC company for each PayPal account.

Big PITA but if you want to avoid paying fees for everything, two accounts are the answer. You might also consider that many CC companies will issue extra cards for family and friends. Get your cat or dog or pet goldfish a card.  :o

Which reminds me, all my Stock, and photography data is associated with a business PayPal account, so I'm losing whatever percentage they nick me, for every payment I get. Dumb on my part.

I was considering opening yet another bank account, getting yet another CC and starting yet another PayPal account, just for photo sales. I just got bored playing the games, so I pay the fees.

« Reply #5 on: January 03, 2008, 18:18 »
why isn't your microstock earnings going into your personal account RacePhoto?

« Reply #6 on: January 03, 2008, 19:59 »

As far as I understand, in your site I can pay with CC, but you get the credit in your PP, isn't it so?  Paxxion works with CC payments directly to the seller and my sales there were with this (and they alert me that a business account would be better for CC - I guess I would not even need to confirm a transaction). 

Maybe there is another way to do it (like in your example), but if I go to Paypal site without logging in and try to send money to me, at some point I have to open a PP account.  They even said so in the help files.

I sold an image this week (direct negotiation) and the buyer wanted to pay me through PP.  I thought it would be ok, but in the end I had to pay a fee.  It was not through an online store, but the buyer (a publishing company) sent me the payment and I didn't expect any fees, because I assumed they would have a PP account too.  And as I said, even if they go to PP site to send money, they still have to open an account, and so it doesn't make sense that it is not considered a no-fee PP transfer.


I can't have PP pay me in my bank in Brazil, nor in an account I have in UK.  Because I am in Brazil, my account is automatically set to USA and they can not pay me in another country (even though my UK bank account is totally legal).  Therefore I use mainly Moneybookers, but then there are sites that do not use MB. 



« Reply #7 on: January 04, 2008, 03:24 »
why isn't your microstock earnings going into your personal account RacePhoto?

Because I was stupid and used the business account when I signed up for all the sites. I suppose I could go through and change them all. I'm just too lazy at this point after jumping through hoops to have a personal account and the two business accounts.

I apologize Madelaide, I understood your question to be, could someone have two PayPal accounts, which is what I answered. I also wasn't sure where you were, which I can see is a problem for you. I don't have a clue about international banking.

I'll try to be less verbose and make it easier.

You can't accept a CC payment with a personal account. You can only get transfers from another PayPal account, in which case there is no fee for anyone involved.

If you have a business account, you can get CC payments, but everything that comes into that account, from anywhere, even another PayPal account gets charged a fee.

Maybe I'm lost with all the rules and conditions, but as far as I know, there is no fee for a buyer to send money. They only collect the fee from the person who receives the money.

ps No fee to transfer funds out of my PP account, into my checking account.

I get paid for photos by a publisher in Canada. When I took my first check to the bank, they didn't even want to cash it. Fortunately, the Canadian company is pretty sharp. They offered to pay with PayPal, and I'm on that program now.

« Reply #8 on: January 04, 2008, 11:25 »

I can accept CC in the personal account, but it has limits (5 times a year, I think) and the transaction fee is higher. 

But I don't understand how the company paid me with CC without using their PP account (in which case a fee would have not been charged).  If I were using an online store, like Leaf's, I would understand, but this was a direct payment.

I want to ask PP, but their support is very difficult to reach.


« Reply #9 on: January 04, 2008, 11:37 »
Someone has to pay credit card percentages, and unless the seller builds it into their price they always are responsible.  First, Mastercard or Visa is likely charging PayPal about 3%, Amex charges more.  So PayPal is passing that fee on to you - and likely adding their own commission. 

They may also add a per transaction fee of about $1.50 if I recall.

« Reply #10 on: January 04, 2008, 15:15 »

So we pay a fee if we upload funds to our PP account using our CC?  I don't remember that (I must have done it only to start my PP account).

If I want to send you money, can't I upload funds to my account and then transfer to yours?  The transfer would not be charged.  The upload I think is not charged.  But when you withdraw the money, you are charged, right?


« Reply #11 on: January 04, 2008, 15:43 »
I think you want this link re charges.  Yes, you incur fees paid by cc.  This is the US page though, the rates are likely different in your situation so you'll have to click through on the first note below the table. 

There is also a 5 credit card transaction limit per year on personal accounts.

But, am I sure what you are asking - are you receiving money or paying money?  If you are sending, you shouldn't be paying fees.

« Reply #12 on: January 04, 2008, 15:46 »
If I want to send you money, can't I upload funds to my account and then transfer to yours? 

Sure!  Send as much as you like!  LOL, I'm pretty sure the recipiant requires an e-mail address that is linked to PayPal for sending to work.  I think they pay the fees, don't they?  I do when I send invoices and they are paid by credit card (business account).

« Reply #13 on: January 04, 2008, 16:47 »

I believe I didn't make myself clear.

I have a personal account.  I sold an image through direct negotiation (not a website) and the buyer sent me money through Paypal.  Given that nobody can send money in PP without opening an account (try to follow the instructions from https://www.paypal.com/us/cgi-bin/webscr?cmd=_send-money&nav=1.1.0), the buyer  already had a PP account, or had to open one (most likely the first choice, as she offered to pay me in PP).  Regardless if she had money in her account or had to upload funds, she had to use a PP account, right?

So if it was a PP transfer, I wouldn't have to pay a fee (that link you sent me shows exactly that).  What is wrong in my reasoning?

When I sold in Paxxion, it was like an "online store" and the buyer simply used his CC.  In this case I understand I had to pay a fee, and it would have been a smaller fee if I had a business account.


« Reply #14 on: January 04, 2008, 18:48 »
To be lazy and not read the other posts... if he paid you through his bank account there shouldn't be a fee should there?  If he paid by credit card there would be a processing fee. 

Also - in Canada, they charge me if I transfer less than $150 from PayPal to my bank.  I can't remember $ right now, I avoid transferring less than $150.  I think that in the U.S. there is no fee to send it to your bank account.

Maybe these two amounts combined total what you were charged?


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