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PayPal is an online payment service that allows you to pay for purchases, receive payments, or to send and receive money. To receive these services, a person must pass various financial details to PayPal, such as credit card number, transmission can be done by mail. Thereafter, transactions are conducted without having to disclose financial details, an email address and a password to be sufficient.
In Europe, "PayPal (Europe) S.à rl & Cie, SCA is a credit institution licensed in Luxembourg, in accordance with Article 2 of the law of 5 April 1993 on the financial sector and its amendment and is subject the control of the Luxembourg authority in force, the Commission de Surveillance du Secteur Financier, sis L-1150 Luxembourg. The service is limited to electronic money, which does not qualify for service deposit or investment under the law, customers of PayPal are not protected by the guarantee programs of the Luxembourg financial deposits insured by Association for the Guarantee of Deposits Luxembourg (DGLA) "1.
The service is offered by PayPal to pay online without sharing their banking, identifying himself simply with their email address and a password. There is no need to fund their PayPal account in advance. The source of supply you have chosen (credit card or bank account) is automatically debited at the time of the transaction.
PayPal can also be used to transfer funds from one account to another user provided that the recipient has a PayPal account. This service is free if you choose a bank account as a source of supply, or if there is money available in your PayPal account.