THE CONCEPT AND BUSINESS USAGE OF

PAYPAL

E-Business Technologies

Changzhe Yin2010/12/17 

Contents Introduction Concept Process Business Usage Conclusion

INTRODUCTION

INTRODUCTION Global Market

grow so fast

over 100,000 people sign up

over 100 countries and 24 currencies

INTRODUCTION PayPal and eBay

Over 80% in U.S.be tightly coupled

DEFINITION payments and money transfers to be

made through the Internet. faster and safer acts as a middleman three leading online payment services:

the PayPal global payment service the Payflow GatewayBill Me Later

DEFINITION PayPal across the Globe

24 currencies: U.S. Dollar, Australian Dollar, Canadian Dollar, Hong Kong Dollar, Singapore Dollar, Taiwan New Dollar, New Zealand Dollar, Euro, Swiss Franc, Czech Koruna, Swedish Krona, Danish Krone, Norwegian Krone, Hungarian Forint, Mexican Peso, Philippine Peso, Malaysian Ringgit, Chinese RMB, Israeli New Shekel, Pounds Sterling, Brazilian Real, Polish Zloty, Thai Baht and Japanese Yen

DEFINITION localized websites in 20 markets:

Argentina, Australia, Austria, Belgium, Brazil, Canada, China, France, Germany, Hong Kong, Italy, Japan, Mexico, the Netherlands, Poland, Singapore, Spain, Switzerland, the United Kingdom and the United States

DEFINITION The PayPal Account

the core of the PayPal system○ Send Money ○ Request Money ○ Auction Tools ○ Website Payments ○ Money Market ○ Virtual Debit Card ○ Account Insurance ○ E-mail Customer service

DEFINITION The PayPal Account freely create over 120 million PayPal accounts in

existence more accounts than American Express

and Discover combined

DEFINITION

DEFINITION Account Types

PersonalPremierBusinessSandbox

DEFINITION Personal Account

The most common typepeople who don’t sell a lot of things onlinemainly for buying stuff or sending and

receiving money between friends and familyit is free to do accept money provide only your name, address, phone

number, and email address.limits: amount of money you can receive

with a Personal account

DEFINITION Premier Account

to sell things or otherwise accept moneyother PayPal account holders can pay you

with a credit cardcustomer service departmentPayPal Shopping Cartgain access to the PayPal application

programming interface (API)

DEFINITION Business Account

all the features of the Premier accounthe ability to operate under your business’s

name access PayPal’s business reporting toolsPayPal’s Website Payments Pro payment

solution

DEFINITION Sandbox Account

within PayPal’s testing environmenttesting purposesfully functional PayPal accountall the money is fake

PROCESS Website Payments Standard

PROCESS Security

"Gausebeck-Levchin" test

only a human can decipher it

PROCESS PayPal Security Key

Buyer Benefits○ Makes online shopping even more secure ○ Provides additional account protection ○ Verifies your identity

Seller Benefits○ Gives you greater control over your eBay sales ○ Protects your privacy ○ Ensures that only you receive payment for your

items

PROCESS Notifications You Receive About

Payments

You receive email notification when:○ A successful payment is made. ○ A payment is pending. ○ A payment is canceled.

PROCESS Postpayment Processing

Auto Return

PROCESS Payment Data Transfer (PDT)

PROCESS Instant Payment Notification (IPN)

BUSINESS USAGE transfer funds electronically pay for online auctions purchase goods and services make donations send cash to someone.

BUSINESS USAGE Sending Money

send money to a friend

donate to a charity and

transfer money abroad

BUSINESS USAGE Sending Money

launched Student Accounts

BUSINESS USAGE Pay Online

BUSINESS USAGE Get Paid wide range of options available basic payments

provide e-mail address extensive services

accept credit card payments online

CONCLUSION Advantage

SafeSaving time Sending Money abroad Saving money

DisadvantageFreeze your account and hold your moneyTake a long time

THANKS!