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What is PayPal, Should You Use it and is it Safe?

Put simply PayPal is a way to send and receive money online. However there is a bit more to it than that. Your PayPal account is like a digital wallet. You can keep cash in it as well as your debit and credit cards. You can also have it linked to multiple bank accounts. When you make a payment with PayPal you choose where the money comes from out of all the accounts or cards you have linked to it.

When you purchase with PayPal the person or company you’re buying from does not get to see your card or bank information. All a seller usually receives is your name, email address and a shipping address if it’s something that needs delivered. That means all of your sensitive information is encrypted and protected by PayPal.

PayPal is also integrated into a lot of websites and apps so you can simply pay with PayPal rather than having your card or bank details saved in many different places.

But the big question – Is PayPal itself safe to use?

Well generally the answer is yes, PayPal is very safe to use if used properly. PayPal is one of the oldest online money transferring services and has hundreds of millions of users. I myself have used PayPal many times without issue. However as with anything that involves money there are people who would look to take advantage and scam others of their hard earned cash. It’s up to us to remain vigilant and take steps to protect ourselves, below i’ll tell you some of the most common scam tactics and what to do if you encounter them.

Email phishing is perhaps the most common scam that is used to attempt to get access to your PayPal account. A phishing email is an email which is disguised as a legitimate company but really is a fake made by a scammer attempting to deceive and get you to send them your information.

In any emails PayPal may send you they will always refer to you with your first and last name as it is information they will have on record when you made your account. This means if you receive an email supposedly from PayPal but it says things such as “Dear Buyer” or “Dear Customer” it is likely a scam.

PayPal will also never ask you to send sensitive information via email such as bank or card details. If you have an account they will already know this information and so have no reason to email or call you asking for it. Also be aware of emails with poor spelling and grammar or a false sense of urgency. PayPal will also never send you attachments so do not open any email attachments claiming to be from them.

If you think an email from PayPal is suspicious then forward it to [email protected] and delete the email. PayPal will then get back to you to let you know if the email was fraudulent or not and help you from there.

In summary PayPal is generally considered a very safe and useful service however as with all things online we must be vigilant and careful with our information. Always double check before sending out personal details.

That’s all for today, I hope you’ve learned something and thank you for reading!

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