Paypal Information 

         

What is PayPal?

PayPal provides a way to send money to anyone in the world who has an email address. But, first you have to register your details (including Credit Card details) with PayPal. As part of this process you decide on a password so that you are the only one who can access your PayPal account. All this information which is sent to PayPal is sent securely (ie all the data is encrypted) so that even if intercepted by anyone while passing across the Internet, the information cannot be extracted. Only PayPal can decipher the data. (PayPal uses "SSL security" which is the industry standard way to send sensitive information in a highly encrypted form across the Internet. Virtually all on-line stores and banks use this same system.) The advantage for the seller (me in this case) is that I don’t have to set up a "Credit Card Payment Gateway" with a bank to be able to accept Credit Card payments. Such a set-up with a bank is not economical for such a moderate volume of transactions. The advantages for the buyer (you) are: ease of payment via Credit Card ability to pay in your local currency without paying any bank fees (bank charges for International bank drafts, or currency conversion fees) you pay no fees to PayPal no postage costs or postal delivery delays when sending your order and payment to me you have a record of your payment

Are there any risks that my details or password will be revealed to 3rd parties?

Because of the encryption used, the main security risks are not to the information while in transit across the Internet, but at either end of the transaction. At the PayPal end it is possible that a criminal insider could obtain access to your information. Their internal security system is designed to greatly minimise this risk. The risk is much less than if you were to physically use your Credit Card in an actual store to buy goods. An employee could record your Credit Card details. At your end, the 2 main risks are: Firstly: that you reveal your password to someone (eg by writing it down and keeping it in a place that is insecure such as on your work desk, or in your wallet, or on a note attached to your computer). Secondly, that you reveal your password to a fake PayPal site. This scam is known as phishing. The way it works is that you receive an email pretending to be from PayPal asking you to log-in to your PayPal account to update your details, or to check possible suspicious activity on your account, or because of a software upgrade, or some similar statement. The email provides a link for you to go directly to a website pretending to be the PayPal site. This site is set up to be identical in appearance to the 'real' PayPal site. If you enter your password on this fake site then the criminals behind it can access your account (as you have just given them your password!) and send money to accounts they control. For more details on phishing see here. This type of scam is now so common that many people have now received them.   Forward any PayPal one to spoof@paypal.com   Remember: NEVER EVER click on a link in an email to go to PayPal or to a bank website - it is very easy to place a fake 'from' address in an email, and it is easy to redirect you to a fake site, even if the name of the link in the email looks correct

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