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PayPal is an online financial service that allows you to pay for items using a secure internet account. You simply add your bank account, credit card or debit card details and whenever you pay using PayPal, you can can choose which of your cards or accounts it pays with. You can also set one to be the default payment method and that will be used unless you choose otherwise.

It is well established and widely accepted. You will find a “pay by PayPal” option on thousands of websites that do not offer the same for Apple Pay or other digital financial services.

It also offers an additional layer of security to payments; As you do not have to enter your card details or CCV number each time you purchase something, just your PayPal log in and password or mobile number and PIN, the online store does not have your details in its database.

For foreign users It’s easy to sign up for a PayPal account. You head to and click the “Sign Up” button. But in Iran its much more difficult , FMT provides the service , simple as possible .

PayPal is a way to send and receive money online. You can use PayPal to shop on thousands of websites, or to send money quickly to anyone with an email address. In this guide, we’re going to show you how to set up a PayPal account that can be used to buy or sell online, when using eBay and other online shopping websites.

You’ll need:

  • a computer with an internet connection
  • a bank account and/or credit/debit card.

Follow these step-by-step instructions to learn how to use PayPal

Step 1: Go to the PayPal website and click Sign Up.

Step 2: A new page will open with an option to choose between a ‘Personal’ or ‘Business’ account. A Personal account is all you need for buying online. Select the type of account and then click Continue.

Step 3: You now have to fill in your name, email address, plus a password. When you have added your details, click Next.

Step 4: Next you will be asked to complete your address details. This will also be your billing address and may also be the address you will want items to be delivered to (although it does not have to be if you are buying something as a gift). Once you have completed this click in the second box to confirm that you have read and understood the user agreement.

Please note the top box should only be ticked if you are on a computer in your own home and are completely confident that no-one would be able to access your account. If you have any doubts then leave it empty.

Click on Agree and Create Account

Step 5:  A new window will open giving you two options. The first choice is to start shopping with retailers who accept PayPal. The second is to send money to someone.

In this example we are concentrating on buying online using PayPal so click on Get Started.

Step 6: In the next window you can add your credit or debit card.


Step 7: When shopping or even donating to a charity online, you can use PayPal whenever you see their logo. All you need to do is enter your email address and password to make a payment.

Using PayPal means that you do not share any of your bank details with the seller – the only information they get is from PayPal. Payments are instant so there is no more waiting for goods to be despatched once a cheque has cleared banking.

PayPal also automatically offer PayPal Buyer Protection which means you can make a claim to get your money back if goods you’ve paid for don’t turn up or they’re not as the seller described when they arrive.

Step 8: If you’re selling something online using PayPal, you’ll also need your email address and password. See our guide How to sell on eBay for information in this.

Once a payment has been made to your PayPal account, PayPal will email you a receipt. Return to the PayPal website and log in using your email address and password. You’ll see that you’ve been credited with the total amount minus PayPal’s transaction fee.

Step 9: To transfer the payment to your bank account, click Transfer Money. If you haven’t already added your bank account details click on More.

Step 10: If you have clicked More you will see this window. Here you can check which bank account is allocated for transfers or add another account.


We hope this guide has helped you learn how to use Paypal to transfer money to friends and family. You can also send money across Skype check out our guide here.

  1. First shop at any online retailer that accepts PayPal
  2. When you’re ready to check out, choose the PayPal button

Log in entering your email address and password and we’ll process the payment without sharing your financial details.

When you pay with PayPal, your financial information is not shared with the retailer. We also protect you if there’s a problem with your eligible purchases:

  • $0 liability for unauthorized purchases: for example, if someone uses your PayPal account without your permission.
  • Refunds for incorrect orders or items that never arrived: for example, you ordered a blue shirt and they sent it in pink.
  • If you do have a complaint about your purchase, we have an easy to use Resolution Centre that helps you and the retailer come to a solution. Find out more (purchase protection page).

It’s free to sign up for a PayPal account and there are no fees to make a purchase. PayPal does not charge any fees when you pay for goods and services within Canada using your account. There are some small fees for other types of transactions. For example:

  • Paying for goods and services outside of Canada.
  • Receiving payments for goods and services.
  • Receiving payments from friends and family made using a Visa Debit card or credit card.
  • Receiving payments from other countries
  • Sending money with a credit card or Visa Debit card to friends and family

Use PayPal for paying your share of a group gift or splitting the check. It’s easier than running to the ATM or writing a cheque. Plus, it’s free in Canada when you send money using your bank account or PayPal balance.

If you primarily need to make purchases and send money to family and friends, a personal account is probably right for you. With a personal account you can do things like:

  • Send and request money from friends and family.
  • Buy goods and services.

You can also use a personal account to receive money for the sale of goods and services, but if you plan to use your PayPal account primarily to sell things, you should consider a business account.  You can convert your PayPal account from a personal account to a business account should circumstances change.

If you have a PayPal balance, you may withdraw it by:

To protect us and our users from loss, we may delay a withdrawal in certain situations, including if we need to confirm that you have authorized the withdrawal or if other payments to your PayPal account have been subject to a reversal (for example, as a result of a chargeback, bank reversal or dispute by a buyer). If we place a limitation on your PayPal account, a payment is subject to a hold, or your account or an associated account has a negative balance in any currency while a withdrawal from your PayPal account is pending, you will have to reinitiate the withdrawal once the limitation or hold has been lifted, or the negative balance is fully paid off.

We may set limits on your withdrawals, and you can view any withdrawal limit by logging into your PayPal account.  Completing the following steps can help us verify your PayPal account, which may allow us to remove any withdrawal cap:

  • Verifying your bank account; and
  • Linking and confirming your credit card or Visa debit card information.

We don’t charge a fee to make a transfer to your bank account. If your debit card is eligible to receive withdrawals from your PayPal account, you will be provided the option to use it when you transfer money out of your PayPal balance, subject to the fees applicable to such transfers that can be found on the Fees for Transferring Balance (for personal accounts) page and the Fees for Transferring Balance (for business accounts) page. The applicable fees will be disclosed to you in advance each time you initiate such a withdrawal. Eligible debit cards include Visa debit cards that participate in Instant Transfers.

You have the right to receive an account statement showing your PayPal account activity. You may view your PayPal account statement by logging into your PayPal account.

Sending Money to or Receiving Money From a Friend or Family Member

PayPal provides an easy and quick way to send and request money online. You can transfer money (abroad) to family, friends, online shops, and auction sites like eBay.

Online payments

All you need to send money to family or friends is the email address of the recipient. By registering your credit card or bank account with your PayPal account you can send payments using the option Send and Request Money. The money will be credited to the recipient’s account and can then be transferred to a bank account, or used to make a payment.

If you shop online and see the PayPal logo on the merchant’s website, it means you can pay using PayPal. Just select PayPal at the checkout. You will be asked to log in to your account and confirm the payment. Your financial information will never be visible to sellers or online shops.

To receive money online

Anyone can send money to you using your email address. Your email address is linked to your personal PayPal account. You will receive an email notification whenever you receive a payment and the payment will be shown on your account.

Online shops that offer PayPal as a payment option can post the PayPal logo on their website. There are various ways to offer PayPal as a payment option, like Pay Now and Shopping Cart.

If you receive a payment through PayPal, we’ll send you a notification by email. The money will be credited to your PayPal balance. You can transfer the money to your bank account or use it to make a payment yourself.


Opening a PayPal account is free. Fees will be charged depending on the payment you make:

  • Personal payments: Payments to friends and family are free provided you use your PayPal balance or bank account to send these payments. If you use your credit card, the recipient will be charged the associated fees. However, you as sender can state that you will pay these fees.
  • Commercial payments: If you buy an item, the recipient (seller) will be charged the associated fees. Click on Fees at the bottom of any PayPal account for an overview of these fees.

You’ll receive an email asking you to activate your account. We do this to make sure you are who you say you are and ask that you to verify your email address. It only takes a moment to click on the button in the activation email and enter the password you just created.

Banks or building societies are often the first port of call for people wanting to send funds overseas. Typically you queue and pay a fee to exchange your money into the relevant currency. But it isn’t just the queues – banks often make it hard to see what rate you’re being offered, and can’t necessarily be relied on to be transparent about fees.

Receivers sometimes have to pay a fee too, which can make it awkward for businesses working internationally. The sender often won’t know about the fee imposed by the receiver’s bank, which can be bad for business (or friendships).

Another way of sending money abroad is the wide range of international companies like PayPal who will often carry out transfers for a fee. However their rates and fees can vary hugely. Fees and exchange rates across the board can also depend on the amount of money being sent. Don’t be suckered into thinking that a  percent commission means that you’re getting a great deal, either. Often the exchange rate will be marked up enough to ensure you’re still paying over the odds.

FMT offers a fast, flexible, service that ensures reasonable exchange rates, a low fee, and maximum transparency. Through FMT you can send funds from one card to another, or from one card to a bank account. FMT makes it easy to send money to anyone anywhere in the world, whenever you want. FMT is the perfect high-tech solution for individuals and businesses who need to move money across borders and are sick of waiting in line. It’ll help you cut costs, too.

Let FMT take the hassle out of sending money abroad.

All you need to do is download the FMT app, or logon to your account. Select the country, currency and amount, and enter your own card details. Use your receiver’s name and card number to make an instant payment. You’ll be able to see the exchange rate and any transfer fee. It’ll be the mid-market rate – this means that you’ll get a competitive rate. This will remain fixed for the duration of the transfer meaning the rate you see is the rate you get. And remember: if you’ve got any questions about your transfer then you can always contact 24/7 support.

Sit back and relax. Your payment will be processed faster than you can Google your bank’s opening hours.

As we travel more, for work and for leisure, sending money abroad is a very common aspect of our daily lives. Whether you are sending money home to your family or making a payment to a company for a product or service, there are many reasons for us to send money abroad. But for something that seems so simple, why has it always been such a challenge for us for such a long time?

Why is it such a pain to send money overseas? Whether its paperwork to fill out or multiples strings of numbers, for example, SWIFT, BIC, Sort Code, Account Number, Security Number, Mobile Banking Number, the list is endless. Why do things have to be so tricky?

After the complexities of the actual transaction then you have the headache of associated costs. Whether it’s a transaction fee which can be hugely variable from expensive to even more expensive, or the currency conversion rate, where you are at the mercy of someone you don’t know offering you, hopefully, a decent rate, and the commissions connected to the conversion. These things combined can really add up and start making the cost of transferring money very expensive and when your transaction sizes are small, and the payments are regular, this can put those needing to transfer money in a really uncomfortable position.

And then you have speed. So, you’ve managed to get all the correct numbers in place, paid your currency commissions and then transfer fees… now your money will hopefully get to your family at some point, maybe in an hour, maybe next week (or maybe the transaction fails, and you start again).

Step 1 Sign Up

Signing up couldn’t be easier. Pop in your mobile number and choose a password. Then enter in some basic personal information so FMT know who you are. FMT sends you a 5-digit security code sent via SMS and you are done. Quite simple!

Step 2 Send Money

So next you need to login to your account with your mobile number and the password that you chose. Then select “Send” and choose the country you are sending money too (FMT supports 140+ countries and growing). Then enter the amount you are sending and the recipients’ card number. Now it’s time to link your own card number that you are sending money from, a security code is then generated, confirm the transaction and the money is on its way at the speed of light.
Easy peasy.

And is it safe?

FMT is certified by both Visa and Mastercard, so you can be sure that using FMT for your overseas money transfer will be safe and secure.

The future of international money transfer

Card to card money transfer really is a break through in many ways for those looking to send money overseas, tackling speed, security, simplicity and costs. Companies like FMT are pioneering the way forward to help support those that previously would have been at the mercy of historically inefficient, slow and expensive processes.

And the future looks bright too. Leveraging their relationships with both Visa and MasterCard, FMT is opening up the doors to more and more countries to allow quick and cheap money transfers, as well as this, improving technology so sending money gets easier and quicker.

Thankfully, as technology progresses, so do our options for transferring money overseas. FMT is trying to eliminate these hassles you are facing with the introduction of their card to card money transfer solution. All you need is your recipients 16-digit card number and you can send money 24/7 in seconds. Really it is that easy. Not to mention capping fees to £1, €1.5 and $2. FMT also uses a mid-market exchange rate removing the middle men to provide the best possible exchange rate for customers.

Making a money transfer should be straight forward. But before you go a head, there are a few im-portant things to think about.

Are you sending funds overseas or domestically, which currencies are you using, and how urgent is it? Read on to find out seven things you need to know before taking the leap.

  1. Transfer fees

If you’re sending money overseas then it’s possible your bank or forex bureau will charge you a transfer fee. The size and scale of that fee can vary across different banks. How can you find out what your transfer fee is likely to set you back? It could be in your account terms and conditions, or you can find it out by asking your cashier. Save yourself time and effort by using FMT – you’ll pay a simple fixed fee of only £1, $2 or €1.5 to transfer money to accounts in over 70 coun-tries.

  1. Exchange Rates

Exchange rates can vary hugely and it’s important to check with online comparison tools like the Money Saving Expert travel money tool to make sure you’re getting the best deal. Remember that if you’re not being charged a transaction fee it doesn’t necessarily mean that you’re getting a good rate. Sometimes the rate will be hiked up to make up for the lack of transaction fees. The best rate (unless you’re a bank) will be the mid market rate. With FMT you’ll always get the midmarket rate, so you’ll have the best possible return on your transfer. With FMT you can be sure that your money will go further.

  1. Customer Service

Knowing there’s someone who can support you during your transfer can save you stress. Many exchange bureaus can be lacking in this department, and being kept on hold by your bank can be a source of serious frustration. Some transfer services won’t tell you when your payment will be pro-cessed, and if you’re trying to send money outside of office hours it’s likely you’ll have to wait. With FMT you’ll have access to round the clock support. Our team are available 24/7 to help you every step of the way.

  1. Convenience: Sending money from your sofa

Do you have time to head out to a bank or exchange bureau during your lunch break? Maybe you’d rather use an online platform that you can access via smartphone or from your tablet. Either way, you should use a transfer service that suits your needs. FMT is ideal for people who’d rather use a simple app (or login via desktop) and pay an affordable flat fee for their transfer. FMT offers transfers that are speedy, convenient and reliable.

  1. Security

Is the service you’re considering safe? Remember that not all international transfer services have the same standards of safety, security and reliability. If the service you’re looking at isn’t FCA regu-lated then it could be a cause for concern. FMT is FCA regulated, meaning that you can be sure that your transfer is secure, as well as being subject to stringent regulations. FMT’s inter-national transfers offer all the security of a high street bank but without the hassle.

  1. Research

If in doubt, check it out. The best way to find out if a transfer company is legit is to simply do some research. Ask around and read some online reviews. Trust pilot and App Store reviews are a great place to get an idea of the standard of service and any possible issues. FMT currently has a 9.4/10 rating on Trust pilot based on over 4,000 reviews, and a 4.8 star rating on the App Store.

  1. Try it for free

A good way of testing a service is to find out if there are any free trials or promos. Start with a small amount before sending the full transfer. FMT offers a promo code WELCOME to new users to let them try out the service for free.

Download the FMT app on Google Play or the App store (or logon via a laptop or tablet). Enter the amount, provide your card details, and let FMT do the rest.

Thankfully, as technology progresses, so do our options for transferring money overseas. FMT is trying to eliminate these hassles you are facing with the introduction of their card to card money transfer solution. All you need is your recipients 16-digit card number and you can send money 24/7 in seconds. Really it is that easy. Not to mention capping fees to £1, €1.5 and $2. FMT also uses a mid-market exchange rate removing the middle men to provide the best possible exchange rate for customers.

Have you ever needed to request money from someone you know?

If you’re short of funds and know who to call, FMT can speed up your requests. Maybe you’re studying or working abroad, and need funds for bills or expenses from a friend or relative. You’re short of cash and you need someone to transfer you money, now.

Calling or messaging someone with your request is often only the first step. It could take time for them to respond, and if they live abroad and need to make an international transfer, there could be costly transaction fees.

Who’s it aimed at?

FMT can help you transfer money to over 70 countries in a variety of currencies for just £1, $2 or € 1.5. It offers a simple, speedy system for requesting money from a person by text without having to worry about online or telephone banking. If you’re requesting money from someone who struggles with tech and doesn’t use banking apps for instance, it could be a pain working out the best way to transfer funds. FMT’s money request service is for anyone who needs to ask for or transfer money quickly and without being taken advantage of by rip-off-rates and unfair transaction fees.

Currency transfers via FMT always use the mid-market rate, meaning that the rate you see is the rate you’ll get. Waiting for money when you need it urgently can leave you out of pocket and cause unnecessary frustration.

FMT can take the stress out of all your money transfer requests.

How does Paysend work?

FMT makes it easy to quickly and securely request money from someone you know. All you need is a phone number and your own card details.

Download the FMT app on Google Play or the App store (or logon via a laptop or tablet). Login to the app and enter the phone number of the person you’re requesting money from. Enter the amount, provide your own card details and sit back.

They’ll receive a text with a link to your request and will be able to transfer the money immediately. And if you’re requesting money from someone who struggles with tech, don’t worry.FMT offers the speed and security of a high street bank, but without the queues. And if you’ve got any questions, FMT has 24/7 support so there’ll always be someone on hand to help out.