Upgrading PayPal Acccount without Credit Card Details

[drgrudge]

My current account status is: Personal - Unverified. I want to lift the restrictions in my account.

Now the thing is I don't want part with Credit Card details.

Is there any way that I can upgrade my account without CC details and avoid the fees charged by PayPal when I receive money?


Thanks.

[ray|raven]

^There are some folks on the forum who sell Virtual Credit Cards for this very purpose.
Try talking to them for more info.

[Dipen01]

Now whats Virtual Credit Card

[din]

Edited by Din : Reason - Removed all posts of mine that is related to verification using VCC

[Cyrus_the_virus]

^^ The HDFC VCC cannot be used to verify paypal as HDFC does not return expunse nos. for the transaction. So, paypal might accept the card, but you still cannot verify because your expunse no. never reaches you.

I've personally tried it few months back.

[din]

Edited by Din : Reason - Removed all posts of mine that is related to verification using VCC

[Cyrus_the_virus]

Originally Posted by din

Recently I created a paypal account for my wife using her HDFC bank account using the above method

Originally Posted by Cyrus_the_virus

I've personally tried it few months back.

So, I guess you have the answer, when i tried it few months back, it didn't work, but maybe when you tried recently it does. BTW, the idea of VCC is just catching up online as there are still many vendors out there who still don't use Verified by Visa or Master card secure code.

Originally Posted by din

May be I can give more details like how to get the transaction number etc. Need step by step instructions ?

Yeah, that would help.

[drgrudge]

din -
I don't have a VCC but I want to get my account verified and lift the restrictions.

If I upgrade my account to what status should it be so that I don't have to incur fees everytime I receive money?

Any other way to create a VCC?

[din]

Edited by Din : Reason - Removed all posts of mine that is related to verification using VCC

[ray|raven]

Originally Posted by din

One young guy here sell VCC, hmm seems I am getting old again, forgot his name

Rofl, getting old again?
How many times have you been old before?

P.S: Purely Kidding

[din]

Edited by Din : Reason - Removed all posts of mine that is related to verification using VCC

@rayraven

LOL yes, sometimes I becomes smart and young, sometimes I can't remember things (CRS decease ) lol

[Ankur Gupta]

And yes just to confirm that this HDFC Netsafe VCC thing works beautifully to verify the paypal account.
I also verified my Paypal using that only.

Its one of the best features of HDFC Bank and even eliminates the need to use Credit Card for online transactions.

[Sukhdeep Singh]

Yep, it works perfect. Indeed i worked with Ankur Gupta above to get his Account Verified

[drgrudge]

^^
Can you work with me to get my account verified?

Also If I upgrade my account to what status should it be so that I don't have to incur fees everytime I receive money?

[abinesh]

^^ you need a personal paypal account if you dont want any fee cut from the money you receive ! upgrading wont help i guess

[Sukhdeep Singh]

Originally Posted by drgrudge

^^
Can you work with me to get my account verified?

Also If I upgrade my account to what status should it be so that I don't have to incur fees everytime I receive money?

Maybe this helps
[Tutorial]Create Your Own VCC from your HDFC bank account

You will need a personal account, so you dont get charged for transaction fees

[Dipen01]

What if i dont have HDFC...?

Is there any other way ?

[Ankur Gupta]

Then you need to contact someone who has one and is willing to sell VCC for you.
Basically you need to look for a VCC seller.

In that scenario,you end up paying up from your pocket to verify the account but if you own a HDFC Bank account then you don't need to spend a single penny!

[din]

Yes, thats the guy

Contact him - max_demon

[drgrudge]

Originally Posted by Sukhdeep Singh

Maybe this helps
[Tutorial]Create Your Own VCC from your HDFC bank account

You will need a personal account, so you dont get charged for transaction fees

I've a SBI account only.

So is the restrictions removed if I just get the account verified?


By the way, I don't mind paying for VCC to get verified. I'm expecting funds which I need to retrieve.

[din]

@drgrudge

If you are ready to pay, contact the guy that I mentioned in the previous post. I do not know him personally but I see his siggy for quite sometime !

[ravi_9793]

Originally Posted by Cyrus_the_virus

^^ The HDFC VCC cannot be used to verify paypal as HDFC does not return expunse nos. for the transaction. So, paypal might accept the card, but you still cannot verify because your expunse no. never reaches you.

I've personally tried it few months back.

It works..............

Originally Posted by drgrudge

Is there any way that I can upgrade my account without CC details and avoid the fees charged by PayPal when I receive money?


Thanks.

yes....paypal account can be upgraded without CC..but you cant escape form transaction charges.

LOl...you want everything without loosing anything. paypal also need to earn.

[Dipen01]

@ashwin :- why do u wanna retrieve as in at times some spare funds in Paypal might be helpful in near future

I just wanna escape those transaction costs..so i am thinking upgrading the account..

[Sukhdeep Singh]

Originally Posted by ravi_9793

LOl...you want everything without loosing anything. paypal also need to earn.

Not quite right there Ravi, Personal accounts are not charged fees

[ravi_9793]

Originally Posted by Sukhdeep Singh

Not quite right there Ravi, Personal accounts are not charged fees

He want to upgrade paypal account..and also dont want to pay extra charge of paypal. But after upgradation, the account will be either premium or business...and in these accounts there is some transaction charge of receiving money either via paypal or credit card.

[DigitalDude]

one thing I would advise is dont go for VCC.. If you want to start a dispute resolution (in case some one cheats you when buying a product online by paying through paypal and you want your money back) with paypal and you have verified your account with a VCC there is a high probability that you would lose that dispute. These VCC transactions are banned in digital point forums so there is some thing fishy. I wish they are also banned in this forum - I mean selling them in bazaar section and not the discussions about them

and there is no harm in verifying your paypal account with your own credit card details. I have a premier paypal account (for almost a year and a half) verified with own credit card I have even added two of my bank accounts for withdrawal and they are all pretty safe. I use a temporary email id for some amount of transactions and remove that id from paypal. for next few transactions I use another email id. I'm also pretty pragmatic.

anyway there is nothing wrong in being extra safe

and I guess in a matter of few months they might enable verification of account through adding bank details but not sure as the source of news is not familiar to me.




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[din]

@DigitalDude

100% agree with you even though I explained the VCC method. My main paypal account which I created 4 or 5 yr back use a real CC, I use that paypal account a lot and no problems at all.

And yes, regarding the dispute, there is a chance. That is a very valid point.

Mods please review the terms and details and lock / delete this thread if needed. I am ready to delete my posts as well. No problems.

Edited by Din : Reason - Removed all posts of mine that is related to verification using VCC

[drgrudge]

Ok, let me tell that I don't have a Credit Card. Is it possible to verify using my SBI Debit/ATM card?

And if I upgrade, do I need to pay PayPal for the transaction? None answered it! Even if PayPal do charge, I guess I have no choice but upgrade my account.

[din]

@drgrudge

1. No you can't use your SBI debit / ATM card for Paypal verification.

2. If you upgrade (that is form personal to premier or business account), yes paypal will charge for transactions.

3. If you are not expecting lot of $$ or not expecting any CC payments (People need not have a paypal aco**** to pay using paypal, they can use their CC to pay), then no need to upgrade. So there will not be transaction fees.

4. If you are expecting CC payments (you are at receiving end) or you are expecting lot of $$$, or frequent transactions, you should upgrade to Premier / Business. And yes Paypal will charge for transactions.

5. Paypal allow a limited number of CC payments (I mean receiving) for personal accounts. I think 3-4 times ?

6. In short, the account type depends on your type of use / frequency.

[DigitalDude]

Originally Posted by drgrudge

Ok, let me tell that I don't have a Credit Card. Is it possible to verify using my SBI Debit/ATM card?

And if I upgrade, do I need to pay PayPal for the transaction? None answered it! Even if PayPal do charge, I guess I have no choice but upgrade my account.

nope I tried verifying with my SBI ATM debit card even with ICICI Visa Debit card both doesnt work with paypal

btw no one can escape from paypal transaction charges (except a personal account which has limited features and limits )
but there are no charges for payments you make

and yeah paypal sucks when it comes to transaction charges and currency conversion rates

now I was trying moneybookers.com for some time but cannot add my cc or bank account details... or else it also a good alternative for paypal



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