The back of the iceberg or how PayPal has changed from the perspective of an ordinary user

    No, this is not another post about how great things have become in PayPal (permission to withdraw funds for Russian users), but on the contrary - coverage of a number of negative aspects associated with the latest innovations of the payment system.

    So, what has changed for an ordinary Russian PayPal user since they turned from an international payment system into a Limited Liability Company Non-Banking Credit Institution “PayPal RU” .

    I can not classify myself as an experienced seller on Ebay, but from time to time I put there some more unnecessary radio components for me. From these not systematic sales, I got a dollar balance in PayPal. Most often it was empty, because the conclusion for Russian users was impossible (I mean the conclusion without any tricks) and everything that was formed on this balance was spent on some trifle on the same Ebay.

    The principle "To buy something unnecessary, you must first sell something unnecessary" worked with a bang for many years, until under the influence of numerous posts on Habré dedicated to opening a virtual account in the US through the Payoneer payment system, the card of the same system was not opened.

    It was not possible to take advantage of this wonderful opportunity, since in the middle of the summer of this year, there was great, as it seemed then, news that PayPal is coming to Russia and a Russian user will have access to a bank account.

    And now, the treasured day has come - September 16. From that day on, the payment system upgraded the PayPal accounts of Russian users.

    The first slight disappointment was during the contemplation of the payment system website page dedicated to linking a bank account:
    As you can see in the screenshot, the form to fill out contains the BIC field, which means that now it’s hardly possible to link any Payoneer virtual account. Also, after a chaotic reading of the new rules, it was found out that the linked account should be in rubles.

    So, inconvenience number 1:
    Transfer of funds from the balance can be carried out only on the ruble account in a Russian bank.

    By the way, the comments of hawkers who at the time of the introduction of the changes had already been tied to a virtual Payoneer account ( I think she drowned ) are interesting .

    Inconvenience number 2 was discovered when trying to transfer a small dollar amount to Anton Buslov - in response to PayPal showed the following warning:


    Payments between Russian users of PayPal can be made only in rubles.

    This is understandable, it is not without reason that the Central Bank of Russia issued a license to the payment system.

    But this is a very inconvenient innovation, and you know why? Yes, "open a balance in rubles and transfer your 7 dollars to them, and then transfer to any user within the Russian Federation," you answer quite reasonably with a question to a question. But there it was ... and here we come to the inconvenience number 3:

    The money conversion between the balances of the same PayPal account is closed and will no longer be available for use.

    I also did not believe it, I got into Help and legally found there an instruction for action, which always worked correctly:

    After a slight confusion, I contacted support, hoping to get an answer that this is a temporary technical problem and will be fixed soon, but the answer convinced me of the meaninglessness my optimism:


    This means that the ruble amount cannot be formed on my balance sheet only if another user does not send it to me: from my card. To say that it is inconvenient and illogical is to say nothing.

    This is just the tip of the iceberg, which suddenly turned upside down for PayPal users in September. Surely, more experienced users of the payment system found other “surprises”, but I noted the most obvious in this article and maybe (the probability tends to zero) the payment system will back up and return at least partially familiar and convenient functions.

    In the meantime, we can conclude that usability has fallen dramatically after the September innovations.

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