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Dated: Sep. 13, 2004

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If your're reading this, chances are you haven't yet signed up for Paypal. So let's keep reading a bit more about it. If you haven't signed up yet, this article will most definetly save you a lot of worries, especially if you are a small business owner.

Basically, Paypal is a service that allows one to transfer funds securely across the net. You sign up with PayPal in order to receive funds. To send funds you give PayPal your credit card number and/or your baqnk account number.

Haven't Paypal'd Yet?

It's very simple to use. You simply click on the logo on a pay web page or you click on a link in an email. The link takes you to a site where you enter your password and the receiver's email address; then, money is transferred to their account.

As far as the payer is concerned PayPal's advantages are:
1) you can transfer money or pay for things without giving the receiver/seller your credit card number or bank account information.
2) If you make a purchase using PayPal the probable advantage is that you will pay less. Drawing from your bank account there are no fees at all and using your credit card only costs you about 2%. Typically you are not charged credit fees as the credit card companies willnot allow it. But the fees are simply buried in cost. you usually pay 3 to 5%.

Both these advantages are much to our liking. Many small businesses never accepted credit cards or virtual checks because they've always been a little nervous about having people's credit card numbers or bank account numbers.

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