WELCOME TO PAYPAL FOR BUSINESS

WELCOME TO PAYPALFOR BUSINESS

TABLE OF CONTENTS03How PayPal works04Set up your accountConfirm your email addressLink and verify your bank account for withdrawals05One simplified view06Payment solutionsEmail PaymentsInvoicesPayPal.MeExpress Checkout (EC)Website Payments Standard (WPS)Get paid on MarketplacesPayPal Business App08Straightforward pricing09Protecting buyers and sellersSeller ProtectionRefunded Returns ServiceResolution CentreFraud preventionData SecurityAccount holding statusUnderwriting12Help whenever you need it2

HOW PAYPAL WORKSAs the world’s leading global online payments platform, PayPal is trusted by 237 millioncustomers1, including 19 million merchant accounts in more than 200 markets.Here’s why PayPal is good for your business – and your customers.FOR YOUR BUSINESSIt’s free to sign up for aBusiness Account and takeadvantage of solutions for yourbusiness.Customers can pay you via anydevice – mobile, laptop ortablet. Once they’ve paid, thefunds are transferred directlyto you.You only pay a fee based onhow much you sell. There areno joining or fixed fees.PayPal Seller Protection oneligible sales with 24/7transaction monitoring, fraudprevention policies minimiseyour risk.If your customer returnssomething, PayPal covers theshipping costs2 so you don’thave to worry.¹ PayPal Reports First Quarter 2018 Results, PayPal, 25 April 2018.2Terms and conditions apply. Learn more about PayPal Refunded Returns Service.FOR YOUR CUSTOMERIt is free for customers tosign up for a PayPal accountand use it for safer payments.Customers can check out inseconds. Their card andshipping details are pre-filledfor faster checkout.Customers pay no fees whenthey pay with PayPal.PayPal Buyer Protectionensures a full refund oneligible transactions.Customers can return an itemand PayPal will refund theirshipping costs2.3

SET UP YOUR ACCOUNTIn just a few steps, you can set up your account and beready to sell to millions of customers in Hong Kong andacross the globe with one PayPal account.HOW IT WOKRSRequesting from A. Vanesgh 123.00USDRequest PaymentDEALAGREEDConfirm your emailYou must first confirm your email address in order tostart receiving payments. We sent you an email whenyou signed up for your PayPal business account. Clickthe link in the email to confirm your email address. Ifyou can’t find our email, log in to your PayPal accountand click the "Profile" icon.Upon reaching a sales agreement betweenyou and your buyers, you can send themeither a payment request, an invoicethrough email or a PayPal.Me link with theagreed amount.Email LoginIf someone sends you a payment, you’ll receive anemail notification. You’ll need to manually accept thefirst payment you receive. The payments receivedthereafter will be automatically accepted into youraccount.CUSTOMERLOGS INYour customers will receive the requestand log in to their PayPal account to payyou directly.Read moreLink and verify your bank account Payment ProcessingLink and verify your preferred local Hong Kong bankaccount or a U.S. bank account to withdraw funds fromPayPal and remove the withdrawal limit. Make sure thename on your bank account matches the one on yourPayPal account.PAYMENT ISPROCESSEDWe process the payment, keepingeveryone’s financial details moresecure and protected.There is no withdrawal fee if you’re withdrawing 1,000 HKD or more to local Hong Kong bank.3 Awithdrawal fee of 2.5% will apply when withdrawingother currency balance to your bank account in theU.S.4Payment ConfirmedRead moreThere is a small fee of 3.5 HKD if withdrawing less than 1,000 HKD.Additional currency conversion processing fees may apply if withdrawinga currency other than USD.34YOU GET PAIDWe’ll instantly notify you of the paymentand transfer the money to your PayPalaccount, subject to our applicable termsand conditions.4

ONE SIMPLIFIEDManage your account from a single location.Check your account balance, view accountactivity and get customised views of all yourtransactions. All in one simple dashboard.VIEWToolsMoneyOverview of your balances andfunding source. You can link yourbank account, credit or debit cards.Keep your business running smoothlywith tools such as request money,invoicing and Resolution Centre.Smart filtersActivityOrganise your transactions byactivity type.Overview of all your transactiondetails. You can update transactionstatus, issue refunds and more.ProfileSummaryA quick snapshot of your account.No matter where you are, you canalways return to your mainaccount.ReportsAll types of reports that help youkeep track of how your businessis doing.View and edit settings for yourpersonal and business information.Important alerts5

INVOICESCreate professional invoices from PayPal’scustomisable templates and send them toanyone with an email address. Add details likeyour name, customer information and invoicetracking numbers – even your logo. Yourinvoices are stored for follow-up and reportingso you can search by date, amount and name.You can even download reports for a morecomplete analysis of your expected paymentsand outstanding invoices.PAYMENT SOLUTIONSTake control with paymentsolutions that help you getpaid with or without a website.Read morePAYPAL.MEDoing business on chat or social? Now you cansend a unique link to get paid faster. Simplyadd an amount in a currency of your choiceand send it to your customer. It’s quick to setup and easy to send payment requestswherever you do business. The link is unique,so set yours up today.Read moreEMAIL PAYMENTSSimply request payment from your PayPalaccount or PayPal Business App, and yourcustomer will get an email notification instantly.They can pay either using a PayPal account orwith their credit or debit card.Read more6

PAYMENT SOLUTIONSEXPRESS CHECKOUT (EC)If you have a website with a shopping cart,adding Express Checkout will streamline thepayment process for your customers and helpreduce abandoned carts. Need help setting upa shopping cart? Find a partner on ourPartner directory.Read moreWEBSITE PAYMENTSSTANDARD (WPS)Getting paid on a website is easy with ourpayment buttons. Just copy and paste thehtml code onto your website to let customerspay with a few clicks.Read moreGET PAID ON MARKETPLACESAccept PayPal for your marketplace listingssuch as eBay, Etsy and more. With PayPal youbuild credibility and trust to help you increaseyour sales, while you tap into the marketplace’s large customer base.Read morePAYPAL BUSINESS APPStay on top of your account activities, sendinvoices and view customer information onthe go from the palm of your hand withPayPal Business App.Read more7

STRAIGHTFORWARD PRICINGThere are no hidden charges. Weonly charge a small transactionfee based on how much you sell.Monthly salesOnline and email invoice paymentseBay paymentsHong KongcustomersOverseascustomersHong KongcustomersOverseascustomersUp to 25,000 HKD3.9% 2.35 HKD4.4% fixed fee63.4% 2.35 HKD3.9% fixed fee6 25,000.01 HKD - 75,000 HKD3.4% 2.35 HKD53.9% fixed fee62.9% 2.35 HKD53.4% fixed fee6 75,000.01 HKD - 750,000 HKD3.2% 2.35 HKD53.7% fixed fee62.7% 2.35 HKD53.2% fixed fee6 750,000.01 HKD and over2.9% 2.35 HKD53.4% fixed fee62.4% 2.35 HKD52.9% fixed fee6Visit Seller Fees Page for more details.56Discounted Merchant Rate qualification required.Fixed fee based on the currency received. For example, for payments received in USD, the fixed fee is 0.30 USD.8

PROTECTING BUYERSAND SELLERSIt’s easier to buy and sell with a trustedpartner. PayPal protects both buyer andseller, so you can rest assured that yourpayments are safer from start to finish.SELLER PROTECTIONSpend more time selling and less time worrying. Allyour eligible purchases are automatically protectedwith Seller Protection. You just need to provide proofof shipment or delivery and we’ll take care of the rest.Read more9

REFUNDED RETURNS SERVICEWe’ll take care of refunds byreimbursing buyers for the cost ofshipping. We’ll refund up to 20 USDfor purchases of any item that doesn’tmeet your customer’s expectationsincluding7 :Shoes or clothing that don’t fit;An item that doesn’t work asdescribed;The customer simply changedtheir mind.MANAGE CUSTOMER CONCERNSCustomers raise disputes or chargebacks for many reasons. If a complaintarises, the PayPal Resolution Centrecan help resolve issues quickly andeffectively. In case of any questions,you can call our customer care on852-3550-8574.Read morev7Up to 3 refunds to the value of 20 USD each until 31st December 2018.View General Conditions of Use for more details.10

FRAUD PREVENTIONOur industry-leading fraud prevention systems andintelligence work round the clock to keep you secure.Additionally, over 2,000 staff globally are dedicated to keepingyour account and customers secure wherever and wheneveryou do business online.DATA SECURITYYou only need to link your credit/debit card and bank detailsto your PayPal account just once. We’ll automatically encryptall your sensitive information and email communications withSecure Sockets Layer protocol (SSL) 3.0 (or higher) and thehighest encryption key length (256 bits). It’s then stored on aheavily guarded server – both physically and electronically –designed to protect both buyers and sellers.ACCOUNT HOLDING STATUSIt’s important to keep your details up-to-date. We may communicatewith you via your email or your mobile number, if we need to verifyaccount details.UNDERWRITINGMost of our merchants are able to set up an account and starttransacting immediately. For a small number of merchants with veryhigh sales volumes, additional information related to their financialand business model may be required for review as part of ourunderwriting process. This enables us to gain a better understandingof these merchants and provide them with customised solutions. Wewill get in touch with you if your sales volume or industry typequalifies you for underwriting.11

HELP WHENEVERYOU NEED ITNot sure about something? Our Help Centre and staff will talkyou through any questions you may have.PayPal Help & Contact - contact PayPal for answers to all ofyour online payment or account related questions.PayPal Merchant website - learn about using our payments solutions,tips and guides to help you grow your business.Or contact us here for 1-on-1 support. Our helpful operators are ready toresolve your issues quickly and easily.USEFUL LINKS Business Hub: Find everything you need to know about getting startedwith PayPal Business Hub. E-commerce Security Guide: Learn how to manage the payments processwith PayPal, and the best practices in online fraud prevention.

Monthly sales Online and email invoice payments eBay payments Hong Kong customers Overseas customers Overseas customers Hong Kong customers 3.9% 2.35 HKD 3.4% 2.35 HKD5 3.2% 2.35 HKD5 2.9% 2.35 HKD5 Up to 25,000 HKD 25,000.01 HKD - 75,000 HKD 75,000.01 HKD -