Wednesday, January 7, 2015

The User Friendly Guide To Using PayPal

Getting Started With PayPal

Virtually anyone may set up a PayPal account. All that's needed is a valid email address along with a bank account or credit card. PayPal doesn't charge you to set up an account. They do however, charge a small percentage of any funds you receive through their system. Some of the benefits of using PayPal are as follows:

•No monthly fees to maintain a PayPal account.
•No setup fees.
•No gateway fees.
•No fees for multiple eBay and merchant tools. PayPal is free for buyers sending money to others. PayPal Fees:
PayPal charges sellers a 30 cent fee per transaction plus a surcharge of 2.4% to 3.4% depending upon the amount you receive. The surcharge is automatically deducted from each payment you receive.


The above fees are for US transactions. For Canadian Fees  Click Here. For European Fees  Click Here. For the PayPal Currency Converter,  Click Here.

If you regularly receive more than $3000 per month you qualify for PayPal's merchant rate which may be as low as 1.9 percent. PayPal receives its profit by charging a percentage of the money it transfers for you.
Setting Up A PayPal Account

There are three types of PayPal accounts:

You'll need a valid email address and either a bank account or credit card to open a PayPal

Go Here To Set Up Your PayPal Account
Using PayPal Merchant Services
Creating A “Buy Now” Button For Your Offer

To offer products with PayPal you'll need to create buyer's buttons or “Buy Now” buttons. The following illustrations will show you how to create a Buy Now Button.

Logging into your Account:

You'll start the process by logging into PayPal. Click here to go to  PayPal

When you arrive at the site you'll see a field to log into your account by entering your email address and password:

Click on the Merchant Services Tab in your account:

Step Three:

Click on one of the the Buy Now Links Below

Notice that in Merchant services you can also create Donate Buttons and much more...
You'll also notice that you have lots of options once you click on the buy now option. Take a little time and explore them. You can't really make a mistake because you can always simply exit the page without saving your work. Let's create a simple BUY NOW button.

1. Choose “Buy Now” From the Drop Down Menu (see below)
2. Enter The Name Of Your Product, Service or Item
3. Enter The Price Of Your Product, Service or Item

Continued On The Next Page...
Creating A Buy Button Continued...

4. Enter Weight For Shipping Info
5. IMPORTANT: Use Specific Amount For Digital Products (Downloads) & Enter “0”
6. Use “My Secure Merchant Account

7. Click “Create Button” You'll be taken to the page below.
8. Choose the “Website” Tab below. Click “Select Code.” Copy the code and place it in the spot on your Web page where you want the Buy Now button. (Note “Buyer's View Below)

Creating A Shopping Cart For Multiple Items

1. Log into your account and click On Merchant Services

2. Click On One Of The “Add To Cart” Links

Follow the instructions on the next page to set up your Shopping Cart...
Setting Up A Shopping Cart Is Simple

1. Select Shopping Cart
2. Name Your Offer. I've Called This Offer “Colored Balls”
3. Check “Add Drop-Down Menu With Price/Option” (PayPal shows an example if you need it)
4. Next You Name The Options. I've Called This “Ball Choices”
5. Then Name Your Options. I've Called These, “Red Ball, Blue Ball & Yellow Ball.
6. Price Your Items. I've Priced The Balls $5, $10 & $15
Notice The “Add Another Option Link. This Allows You To Add Additional Items
7. Click “Done” When You Have All Items & Prices In Place

After you've clicked “Done” you'll be directed to the page shown below with your HTML code. First click “Select” and then copy the code to the spot on your Web page where you want the “Add To Cart” button. Notice the Buyer's View on the right. Your buyer simply selects the item he wants and then clicks the “Add To Cart” button below. This can be done for one or all items offered and the total price will change with each addition. That's all there is to it.

Linking To Your Own Buy Button

Below are various Buy buttons one might like to use in the place of the generic PayPal Buy Now button.

It's actually quite a simple matter to link your offer to your own button.

Follow the instructions for creating a “Buy Now” Button you'll find on page 8 of this guide. The only thing you'll do differently is the last step. See below.

Instead of selecting “Website” Click on the “Email” Tab and copy the short bit of code in the
field below. Then simply link that code to your button and test. You should have your own custom button linked to your PayPal checkout page.
How To Send Money Using PayPal

Log into your PayPal account using your email and password. Select the “Send Money” tab.

You'll be taken to a page where you'll need to type in the email address of the person receiving the funds, the amount of money you're sending, and whether the payment is personal or a purchase. When you've entered these items click “Continue.”

You'll be taken to a page where you can review your payment. If you're shipping an item you'll find the recipient's address along with a field where you can enter a short email message. When you're satisfied that everything is correct simply click the “Send Money” button and your payment will be on its way.

How To Issue A PayPal Refund

To issue a customer refund start by logging into your account and click on “Overview.” This will display all recent activity in your account.
To issue the refund you'll need some information about customer's purchase. Such as: Name
Date Of Purchase email address Amount Of Purchase

This shouldn't be a problem, however, when you have a lot of entries in the overview section, the more information you have, the easier it is to locate your customer's transaction.

First find the transaction. I've blurred out the names of my customers for privacy purposes (next page).

If you're having trouble locating the transaction click the “View All Of My Transactions” and you can scroll through your entries according to date.

You can see the date and name of the customer along with the amount received. Identify the customer and then click on “Details.”

You'll be directed to a page below with specif transaction details. Proceed by clicking the “Issue A Refund” link shown below.

You'll then be directed to a page where you'll have the option to enter the transaction invoice number along with an optional note to your customer. See Below.

Finally, you'll be directed to a page where you'll actually pull the trigger on sending your customer his refund. See Below

Shortly after issuing the refund you'll see an entry in the overview section of your account documenting the refund:

Dealing With PayPal Disputes – PayPal Resolution Center

PayPal offers a comprehensive set of tools for dealing with problems and potential problems. Start by logging into your account and clicking on the “Resolution Center” link shown below.

Once inside the Resolution Center you can view: Open Cases as well as Tips and Tutorials.

If you need help with an issue click on “Report A Problem” shown below:

You'll be taken to a page where you'll proceed. See below:

You'll need your a Transaction ID number to report an issue.

If you don't have your Transaction ID number, click the link shown above. It will take you to your Account Overview where you can locate the transaction in question. See below:

Locate the transaction in question on your Account Overview page and click “Details” as shown above. You'll then be directed to a page where you'll see the details of the transaction in question. Your Transaction ID will be the fist item shown. See the illustration on the next page.
Copy the Unique Transaction ID number below and return to the resolution center. See illustration below.

Enter the Transaction ID number as shown below and then click on “Continue.”

You'll need to check what type of problem you're reporting. See Below. When finished, click

From this point you will be directed to a page where you can go into detail about the issue and request a refund. You'll have a number of options to choose from in describing your problem. See below.

Click Continue when finished. Your dispute will go on file as active and a notice will be sent to the merchant via email. From here you will have the opportunity to communicate with the merchant via PayPal moderated email.
How To Send A Buyer To Your Download Page After Checkout

When selling digital download products you can easily direct your buyers to to a download page after checkout. First, go to page 8 and review how to create a buy button.

After you've answered all questions for creating your “Buy Now” button you'll find Step 2 and
Step 3 at the bottom of the page. Click on Step 3.

You'll be taken to a new page. Scroll down to the field that says, “Take customers to this URL when they finish checkout. Check the box and put your download link in the field. Then simply click “Create Button.” You'll be immediately sent to the page where you'll get your button code. After checkout your customers will have the option to “Return To The Merchant Page.” That will be the download page.

Save PayPal Fees By Using The Mass Pay Feature

Mass Pay is a very convenient PayPal feature for many reasons. You can make up to 5000 payments at once. With Mass Pay, you pay $1 convenience fee instead of PayPal’s standard 4%. This can save you lots of money, especially when you’re sending larger payments.
Here’s an easy way to use mass pay:

Log into your PayPal account and click “Merchant Services.” Then, click “Mass Pay” under the “Manage Payments” section.
Next, set up a simple .txt file using notepad. Make it look like this:

To send multiple payments, simply add new lines with the necessary information.

Then go back to your PayPal screen, click “Use Mass Payment” and upload your text file. PayPal does the rest and you save big time on big fees!

Automatic Redirect Page

If you’d like a buyer to be automatically sent to your download (or any other) page after purchase, follow these instructions.

Log into your PayPal account, click “Profile” and “More Options”

Then, on the left side tab, click “My Selling Tools” and click “Update” for Website Preferences.

Which will take you to this screen:

From here all you need to do is switch auto return from Off to On, and enter the URL you want
PayPal to automatically send your customers to.
Requesting Money Through PayPal

There are times when you'll want to bill someone for products or services. PayPal provides a couple of ways for you to do this and they're both simple. Start by logging into your account and clicking on the “Request Money” tab shown below.

Then Click on the “Request Money Icon shown below.

On the following page you'll need to enter the recipient's email address along with the amount owed. You'll then need to check whether the request is being sent for goods or services.

When finished click the “Continue” button.

You'll then be directed to a page that shows the details of the request. Check these for accuracy and simply click “Request Money.” That's all there is to it.

Creating & Sending A PayPal Invoice

Log into your account and click on the “Request Money” tab.

Then click on the “Create An Invoice icon as shown below:

Simply fill in the blanks as shown below. Your contact info will automatically be displayed.

Enter the email address of the recipient:

And finally, fill in the appropriate information as required and click the “Send” button. You're finished.

How To Withdraw Money From Your PayPal Account

Log into your account and click on the “Withdraw” link as shown below:

You'll be directed to a page and presented with five different options for receiving your funds. Simply click on the one you want and follow the simple instructions.

Using My Saved Buttons

PayPal offers a very useful feature called “My Saved Buttons.” Using it allows you to edit, modify and even delete your existing buttons. And it's simple to use.

First, log into your account and click on Merchant Services:

Once inside, click on My Saved Buttons. See below:

You'll see a list of all of your existing buttons. Select the one you want to edit and click on the action icon to the right. See below:

You'll be directed to the details of your button where you'll be able to make changes, including:

•    Edit button
•    View code
•    Create similar button
•    Delete button
•    Create new button

How I got a new PayPal account (US Account) - Verified

Not sure if this has already been shared with everyone here, but wanted to get this out to everyone who had their eBay banned and/or PayPal restricted/banned.

My eBay was banned in 2011, But not my PayPal account. But after I linked the same PayPal account to a new eBay account, eBay found out that my PayPal was associated with a banned previous eBay seller account. So now I have to get a new PayPal account as well!

How I got a new eBay (US Account)

1. Got a new VPN connection so that eBay won't recognize my old IP. (Well I use the VPN for other purposes as well, it's a good investment for me)
2. Used my family US home address and my google phone number and a new email address to register. (I'm sure all US users can find another address of a friend, family, etc. and get a new google number easily as well)
3. Got a verified eBay account - Check!

How I got a new PayPal account (US Account) - Verified

1. Again used the VPN (hence new IP address) and registered using my google phone number, new email address and my family US home address
2. Bank account information - see below

* I opened a new online banking account (There are many of them out there, google search). I used Ally Bank, and it only took me 5 minutes to register and get verified for my new online checking account. (They send you a free debit card to your address, plus if you use there card at a NON- Ally Bank ATM, they will refund the fee charged by the other banks to your account, and also have a pretty nice interest rate as well , not a bad option to carry a hassle free checking account with no evil fees! )
3. Added this checking account info to PayPal and they sent the two deposits to my online checking, and I verified my bank account through PayPal -Checked
4. How I lifted the $500 withdrawal Limit on PayPal - I used the debit card the bank sent me and verified to lift my $500 limit.

So far they haven't asked for my #SSN or any supporting documents, and I have been selling since 2011 with this new account and have a powerseller eBay account as of now.

How to never get suspended again from Paypal or eBay


So if you use eBay or PayPal, then this guide is for you.
If you're receiving money on PayPal, and somehow, your PayPal account ends up limited, then you will find this useful.
If you're getting auctions delisted and your eBay accounts are getting constantly banned, then make sure to read this.
And if you have no idea what eBay or PayPal is, you're lucky. Perhaps read this anyway, it might be entertaining.

My Story

So I've been personally using eBay and PayPal for years and years now. I suppose by now, you can call me a veteran. I have battle-scars to prove with these two companies, countless account limitations, piles of frozen money. When I got another $X,XXX stuck in an account limited just 2 days ago, it dawned onto me (other than the fact that this really sucks), that a lot of other people are probably in the same position that I am. So at that moment, I decided that I was going to write the "Ultimate Safety Guide for eBay and PayPal", so that I could help out the hundreds of other people facing the same issues as me.

This was me after my account was limited for the nth time.

For many people and myself personally, it's a love-hate relationship with eBay and PayPal. Damned if you do, damned if you don't - at the end of the day, you're going to need them one way or another. I've spent quite some time researching some alternatives and there really isn't much as far as substitutes go, so the best way to really deal with the issue is to educate yourself on how to use these services responsibly so that you don't run into problems as often (I say as often because it would be unrealistic to eliminate problems completely).

This guide is going to be split into 3 pieces. It is as follows:
1. How to go stealth on eBay and PayPal
2. Safety Guide for PayPal - How to use PayPal without getting limited
3. Safety Guide for eBay - How to use eBay without getting suspended
My goal in this guide was to teach you some common suspension issues so that it’ll save you a lot of stress and frustration in the long run.

Basic Stealth Information for eBay and PayPal

With every account, you need to do the following things:
1. Different IP
2. Different user account on your computer (you can create new ones from the control panel)
3. Don't mix and match different accounts, it will link them together and all will get banned.

How to change your IP if you're in the United States or Canada:

To do this, log into your router (if you have a router) at or or (depending on your router), and manually change your MAC address (a couple digits is fine), and save the settings. Afterwards, turn off your router and your cable modem for 10 minutes and turn them back on. Use to check that your IP address has changed.

• Go to to check your current IP address
• Log into your router
• Change the last 3-4 digits on your MAC address (should be an option inside the router)
• Save changes, and cut the power to your router and your cable modem
• Start them up again 10 minutes later
• You should have a new IP address now
• Check at to confirm that IP address has changed

Safety Guide for PayPal

How to use PayPal without getting limited

If you want to learn how to prevent getting suspended on PayPal, you're going tohave to first understand a little bit about how it works. First off, PayPal limits accounts with suspicious or "high-risk" activity in order to prevent losses. The way it does this is by robots that are trained to identify certain behavior - certain triggers cause them to freeze up accounts.

Now, here's the thing - they use robots to monitor your accounts. Since there are millions of PayPal accounts and thousands of transactions happening at every second, it is very unrealistic for them to have a big room of people monitoring every little activity. So these is essentially what happens in a nutshell when a limitation occurs.

Suspicious activity being done --> Robot picks up on the suspicious activity and triggers limitation --> PayPal asks for additional information --> PayPal human employee reviews information to reinstate your account or permanently limit it.
But here's the good thing about robots - they're actually very predictable. If you can learn what these triggers limitations, you can avoid them like land mines. So without further delay, let's start learning some of the types of behaviors thatcause limitations.

Site Owners: Before you attach a new stealth PayPal to your website, READ THIS FIRST.

If you’ve had a PayPal attached to your website before and it gets limited, PayPal then blacklists your domain name from ever using PayPal again. So if you try toattach a new stealth account directly to your site, you’ll get banned again. Luckily, there is a solution.

Solution: If you use a third-party checkout tool that uses PayPal you’ll be able to accept PayPal without fear of being limited. Another thing that you can use is host the checkout on a different domain name so that the PayPal doesn’t see it. I’ve seen some people manually invoice their customers using PayPal too.

0. Always know your stealth basics

Learn how to access stealth accounts without getting limited. That means no proxies, no IP's that change every 2 seconds (so no TOR or HMA).

Step 1 - Know your basics!

Here are some of the most common mistakes committed:
a. Use proxies, HMA, TOR, or any of those "IP hiding softwares". eBay and PayPal have blacklisted these IPs'. If you use them, you will get banned, simple as that.
b. Not changing your user account between different PayPal or eBay accounts.
The exception is if you use a VPS (remote computer) as the files are separated automatically then.

a. Change your IP legitimately through your cable or DSL company. Or even easier, just buy a windows-based VPS with an IP in the same country as your PayPal or eBay.
b. Go to your control panel, create a separate user for your new PayPal or eBay account. Use your PayPal and eBay exclusively just on that user account. Even easier, just buy a windows-based VPS with an IP in the same country as your PayPal or eBay.

1. Moving money too fast

Cause: One of the most common ways to get an account suspended is by moving money too fast. Let me give you an example.
Let's just say that you received $200 right. Then 5 minutes later you try sending that $50 to someone else or try to buy something with it. Boom, your account gets limited. In PayPal's eyes, the reason why they limited you is that when you move money too fast, it looks suspicious, so they limit your account and stop you dead in the tracks.

So it applies to:
Receive money --> send money
Receive money --> withdraw money

Solution: When you receive money in your PayPal account, let it sit in there for 2-3 days before you try spending it, withdrawing it, or doing anything with your money.

2. Taking in too much money

Cause: The second most common way to get an account suspended is by taking in too much money at one time. Look at it from PayPal's stand-point. If a guy that doesn't have an established history of receiving large amounts of money suddenly starts getting hundreds of dollars at one time, it looks pretty suspicious. Don't be the guy that receives too much money at one time, or you'll get PayPal limiting you and asking you for personal details.

Solution: So how much money is too much? On a newer account, start off by taking payments less than or around $100 and don't let the total balance on the account get above $500. If the money gets near $500, wait a couple days and withdraw it or send it to another account. Of course, when your stealth account gets older, you can start getting larger amounts of money, but if you really want to be safe, that's the general guideline you should follow. Now if you need to receive more money than that, just use multiple stealth accounts to break the payments up.

Another potential outcome if you take in money too fast is that they will ask you for social security information in order to make sure you're properly taxed. Now PayPal quotes that this number is something like 200 transactions of $20,000 a year, whichever comes first. However, if you come out of the gate taking in a lot of money, they'll ask you for social security much sooner. So the best way to combat this is to just receive money through different accounts so the funds are more dispersed.

3. Spending/Withdrawing Exact Amounts of Money/Not leaving any money left in PayPal

Cause: Let's just say that you have $600 in your PayPal balance. If you try to go ahead and withdraw $600, you'll get limited. Always try to leave some money in PayPal, at least 10% (don't make it exact). When you withdraw like all your balance, it makes PayPal think that you're robbing the bank and skipping town. That means it's suspicious, so don't do this.

Solution: Always try to leave some money in PayPal (at least 10%). So for example, if you're withdrawing $600, leave like 60-70 dollars in there, don't withdraw everything. You'd be surprised how many people get limited by this sort of problem.

4. Error: When you try to send money, and get this message: "Add funds in your PayPal before sending money" when you do have money in the available balance

Cause: When you try to move money too fast on a relatively new PayPal account. PayPal has this this filter that prevents you from sending out money. If you have a relatively new account and get this message, your account is under a soft review. However, don't freak out, because chances are, if you don't do anything else that's suspicious during this time, they'll usually release the balance in a couple of days.

Solution: When you get this message, don't try to send money out over and over again. Just leave the balance for a week and come back to try to send it again. It could last up to 21 days, so try again here and there. Most of the time, it's resolved after a couple of days.

5. Ask for "identity verification" through phone call.

If this happens, just press cancel, and they will let you confirm other information, specifically your full bank account numbers. After you enter this, your account will go back to normal status.

Part 3: Safety Guide for eBay - How to not get Limited

Using eBay without getting suspended is very similar to using PayPal without getting limited. This shouldn't be very surprising because PayPal is owned by eBay. The only thing that differs really is the function. eBay is used to buy and sell items, PayPal is used to send and receive money. So let's get started with the most common suspensions on eBay.

1. MC999 Suspension - When you're a relatively new user and you get this notice when you're trying to list your first item.

So you just got an account, and you list your first item. After 12-24 hours later, your item gets taken down and they give you this notice when you log into your account. However, don't panic, because this is relatively common - about 25% of new accounts get this the first time that they list.

Solution: Within 48 hours of getting this notice, call eBay up directly at their phone number. I believe it's 1-866-877-3229. Talk to the customer service representative and ask them why your account got limited. Then answer some questions and confirm account details with them. The questions that they're going to ask will go something like this:

First, they will transfer you to an account specialist.
This account specialist is going to ask you the following questions:
Is this your own item (respond yes, and nod your head)
Is somebody helping you with listing (respond no, and shake your head)
Are you drop shipping the item or have it in your possession (tell them that it's in your possession. do NOT let them know you're drop shipping, even if you actually are).

And that should be it. Then they'll take 2-3 minutes to review your account, and give you 3 possible responses:

Possible response #1: If you listed an item that is relatively low risk (non-branded or a brand that's not commonly counterfeited), then they'll tell you that they've unlimited your account and you're ready to list again.

Possible response #2: If you listed an item that is pretty high risk (a brand that is commonly counterfeited and protected by their VERO - verified rights owner program), then they will tell you that you're selling items that are too risky, and that they cannot do business with you anymore. At this point, they will permanently suspend your account.

Possible response #3: If you list an item that is high risk, they will ask for you to verify your identity with the account by faxing in your ID and some personal information. Of course, if you have a stealth account, chances are you won't be able to provide this documentation.

This brings me to the second most common suspension reason.

2. You're selling items that are too high risk!

One of the most common mistakes when it comes to selling on eBay is that people think they can sell just about anything. This couldn't be further from the truth. On eBay, items are either high risk or low risk. It all depends on the brand name of the item. Brands like Dre Beats are high risk whereas other brands like Abercrombie and Fitch are low risk. If you list a high risk item, your item will get delisted from eBay and you'll get suspended (if you're new, you'll get suspended permanently. If you're a veteran, they'll put one strike on your account - you can get three strikes before getting perm-banned).

Solution: Know which items are high risk and which ones are low risk. The only definitive way is to just go ahead and list some items and mark down which ones get removed and which ones don't. 

How to make stealth accounts the easy way step by step

First and foremost I want to give thanks to everyone that contributed information on this site. I learned a lot and would not be where I am today if it weren't for this site.

Second you MUST have a efficient way to change your ip address. You will fail without the ability to do this, whether you smartphone tether, modem reset, or use dial up. As long as your ip changes your good.

What you will need:
  • Way to get a new ip
  • VCC (virtual credit card for verification) *Vanilla visa cards work for this
  • A new number
  • VBA (virtual bank account) *is optional depending on what your going to do with the account. This increases withdrawal/sending limit.
  • A bank account (better than a VBA since you can withdraw) *Best if your bank lets you create more accounts under your main. Wells Fargo lets me do this easily online.

Lets begin

If you know anything about cookies you know if you log on to two different stealth accounts in one browser your accounts will become linked and soon burned. So I have the ultimate solution for that and its far better than creating a bunch of different user accounts.

Google Chrome Portable

Easiest way to stay organized with your accounts. Download it and install it to your desktop, next compress it into a .zip or .rar file so you don't have to install it every time you want to make a new stealth account. So you should have both an unused chrome folder and .rar/.zip containing a unused chrome folder. Then go on to fakenamegenerator and create a new identity for yourself copy everything down to the mothers maiden name and paste it into a new word document file. Rename the chrome folder to the name you got from fakenamegenerator. Then save the word document file you made into the chrome folder name it account information or whatever.

After all the necessary files are created you will want to create the gmail account first. Input all the necessary details to register and when your done replace the email address and password in the document with the ones you created. Next we need a new phone number, I like to get a phone number that matches the location of the new identity. Go to google voice and request a new number based on the area code and enter your number to which you will receive calls on. If you are trying to make many accounts I suggest you sign up for Vumber, its not free but much more efficient in multiple stealth account creation. Last update your document file with the number.

Your ip address must be changed during these parts

Go to eBay and register for a new account with the details in the document. Its a lot easier to use the same password throughout all accounts. Once thats done and youve confirmed the account within gmail, log back in to eBay, go to My eBay and click account. From there you should see eBay trying to get you to link a paypal click on sign up. Signing up for paypal through eBay is much easier since most of the information is already typed for you, you just need to enter a password and that's it. For the credit card information you will enter your VCC (you can buy one from me or talkgold the forum). With the bank information its not necessary in the beginning, you can still post without one.

Then go back to eBay click sell and act like your going to sell something, put anything as long as you can hit next. Once you hit next eBay will ask to verify your information aka creation of a sellers account. This is where your new phone number will come in, after you hit the check box that all your information is correct click call me now and a eBay robot will call you. First it will say to dial one, then it say a random number to dial and then your pin number will be said. Type it in and bam your sellers account is created. Last thing to do is set up how eBay will bill you fees. I always use paypal to pay with automatic bill pay.

Now keeping your Stealth Accounts from getting linked/limited and keeping them alive is a different story and I cant tell you everything, but you have everything you need to get started on eBay again. Hit me up if you got any questions.

Some tips:

*You can use your original ip address to check emails of stealth accounts, just don't click show images in gmail I heard they can link you from the images.

*Always check your ip address before even thinking about entering ebay or paypal in the address bar. Also you should keep and ip log.

*Along with a bank account to fully verify your paypal you will also need a credit card with $1.95 on it. Then will your withdrawal and sending limits become increased.