What you Need to know about PayPal… As Shared by an expect from Friend

A few weeks ago, I wrote an article on how to create a PayPal account in Ghana. Today, I want to talk in-depth about PayPal Ghana: Everything you need to know about PayPal in G

hana, what others are saying, and more. Businesses and individuals are slow on picking up with the international community because of PayPal Blacklisting Ghana.

Check out here why I need me to create your account for you >> Premium PayPal account for ‎GH₵100.

Before we begin, we want to let you know that we are not agents of PayPal in Ghana. We are only educating people so that they can make the most out of their online business, buying, and selling, in a legal way.

I am also sorry to let you know that this article about PayPal Ghana contains exactly 1,600 words. I don’t expect you to read everything if you cannot. Just scroll down to the subheading that seems to answer your question, and leave us a comment. We would be glad if you can read everything also.

It is very sad that Ghana is not part of the many countries whose citizens are allowed to create an account because PayPal as an online payment gateway is a very important tool. Though there are other payment processors, like the MPower we have in Ghana, they are not as efficient as the payment giant.
What is PayPal, and How Do You Benefit From it?

PayPal is an online payment service that allows individuals and businesses to transfer funds electronically. Here are some of the things you might use PayPal for:

Send or receive payments for online auctions at eBay and other Web sites
Purchase or sell goods and services
Make or receive donations
Exchange cash with someone.
Is PayPal More Secure Than Standard Bank Cards?

Yes – PayPal is more secure than using a standard bank card. This is because, After signing up to an account, you connect with your bank’s Credit, Debit or MasterCard. This allows you to type in the card’s details such as the card’s number, security code, and the expiry date. After doing this for once, that is all.

You are not asked for this card’s details any longer. Upon visiting any site where you can buy items online with PayPal, you only enter your PayPal email and password. This method is very secure.

On the other hand, if you want to buy an item on any site without using a PayPal account, you will need to type in your card details on each of those sites – everywhere. The risk with this method is that some hackers have a way of stealing card details as you continue typing it on these online shops.

Security Tip: Protect your information

Identity theft is when someone steals your personal information to open accounts and make unauthorized transactions in your name. According to the Federal Trade Commission, it is one of the fastest growing crimes in the world today. The best way to take these criminals on is learning the tricks of their trade. Chron.com talks about the Dangers of Theft & Identity Fraud Using PayPal.

Why is Ghana Blacklisted from PayPal?

In 2016, The Ghana Interbank Payment and Settlement Systems (GHIPSS) intensified moves to get off PayPal’s blacklist. PayPal in 2004 blacklisted Ghana together with Nigeria and other sub-Saharan countries due to a high incidence of credit card fraud from these countries mostly on eBay and Amazon online stores.

Even though Nigeria in 2014 was taken off PayPal’s blacklist, Ghana remains on the list denying Ghanaians from being able to purchase and pay for their goods and services online using PayPal.

There is a petition someone wrote to PayPal on Change.org to Enable PayPal in Ghana. You can also sign; probably, your voice may make the executives at PayPal do something about the issue.

What PayPal Ghana means to it’s Citizens

PayPal means a lot to Ghanaians. This is because online payment is growing quite rapidly, and Ghanaians seem to be left behind in the eCommerce world.

I personally think that if we cannot be a part of PayPal, we should create our own online payment processor. I don’t understand why we have computer science graduates and students yet cannot develop a flexible PayPal-like system for our own transactions.

Let us consider China as a country: Though there were not blocked from using WhatsApp, they have created their own chat software known as WeChat which is doing a lot of good to them.

I think Ghana should get up on its toes and do something for its citizens.

Is PayPal Available in Ghana?

No, PayPal is not Available in Ghana yet. There is nothing like PayPal Ghana. But you can create an account in Ghana. This is because You may be a non-Ghanaian but resident in Ghana. If you already own an account, that does not stop you from using the account while in Ghana.
Secondly, PayPal needs to verify your account with your email address and not with your country/ location, or your phone number.
This means that you can use a different country’s address and phone number to register an account from another country.
What if you use your PayPal account to buy an item online when you actually used a Togo address to create your PayPal account?
Answer: When buying an item online with a PayPal account, you are always prompted to provide a shipping address. This is where you want the item to be shipped to. It is totally different from the billing address you provided when creating your account in the first place.
Signing up to a PayPal Account in Ghana

I have written a full article on how to create a PayPal account in Ghana. Please click on the link below to read the complete steps involved. I talked about everything you need to know in there, including the legalities and how to connect your bank account Debit Card or MasterCard with your account.

I also want to state that some people choose to change their PC IP address to make it look like they are not creating their account from Ghana. All these are, sorry to say crap. Anyway, I said it. Just follow the steps I have outlined above and you are good to go.

Check out here why I need me to create your account for you >> Premium PayPal account for ‎GH₵100.

Verifying a PayPal Account in Ghana

You can get a verified PayPal account in Ghana. Yes, you can. Now, after creating your account, you need to activate your account to let the PayPal team know that you are not a robot. That is the reason why you need to provide a valid email address. An activation link or code would be sent for you to activate your account.

PayPal Banks in Ghana

Are there PayPal banks in Ghana? No, there are no PayPal banks in Ghana. But there are PayPal banks in other countries especially the US, and other countries. This is a question people ask me and I get a bit surprised: PayPal banks? Probably they meant banks in Ghana that can enable them to get a PayPal account.

What I know is that you will need a bank to get you a debit or MasterCard to link with your PayPal account.

This helps you to make payments with your PayPal account for the funds to be cleared from your bank account. Whenever someone sends money to your account, it would be credited to your bank account as well. In the next subheading, I will show you how to send and receive money from your PayPal account.

There a quite some number of international banks in Ghana that give debit cards after creating an account with them. You may need to make inquiries for your favorite banks. I only know a few.

Below are the banks where you can get your debit or MasterCard to link to your account:

Barclays Bank (Debit Cards)
Ghana Commercial Bank (Visa Cards)
GT Bank (Cards)
United Bank for Africa (Debit Cards)
Zenith Bank (Cards)
Stanbic Bank (Platinum Debit Cards)
Ecobank (MasterCard)
Standard Chattered Bank (Cards)
Fidelity Bank (Debit Cards)
How to Send and Receive Cash from PayPal

Sending Money to Someone Else’s PayPal Account

These are the steps to follow to send money to someone’s PayPal account regardless of the country you created the account from:

Log in to your account at PayPal.com and select the Send Money tab.
Enter the recipient’s email address, the amount, and transaction type.
Click Change to select PayPal Credit as your payment method if it’s not already set.
Confirm your payment details, and you’re done.
Receiving Money from PayPal in Ghana

It is no longer possible to receive money from PayPal in Ghana using MPower. There used to be a menu item on MPower that allows for the transfer of money from PayPal to your MPower account and later to your Mobile Money or bank account.

This system is no longer available after the upgrade of MPower to Hubtel.

I recently found a new hack that can allow you to receive money from your PayPal account and transfer it onto your card. Check it out in my new article >> Receiving and Cashing out Money from Your PayPal Account in Ghana.

Receiving Money from PayPal Accepted Countries

If you are in other countries other than Ghana where cashing out of PayPal is readily available, here’s how to withdraw money to your local bank account:

Log in to your PayPal account.
Click Transfer to your bank or Withdraw Money below your PayPal balance.
Click Transfer money to your bank account.
Enter the amount you want to withdraw.
Select the bank account you want to credit, then click Continue.
There’s no charge to withdraw money from your PayPal balance to your local bank account. Some banks may charge a fee for transfers. Contact your bank directly for more information.

Social media for customer services… 12 Tips

If your business isn’t offering some kind of customer service via social media, you’re missing the boat. Research now proves the benefits are lasting and profitable — and who wouldn’t want in on that?Some organizations are so savvy at social media customer service they’re using it to drive sales higher than they’ve ever been, engage customers in new ways and build brand recognition that might rival retail stalwarts.Even better, we’ve uncovered some of the best practices in social media customer service from the people living and working it every day.But first, you’ll want to fully understand the impact social media has had on customers, the face of customer service and future sales.What do customers want from social media?If you’re a marketing professional reading this, brace yourself. According to findings from J.D. Power and Associates research, only 34% of social media users go on a company site for marketing reasons. The rest are there for customer service reasons.Meanwhile, this is news every marketer, customer service and sales pro can applaud: People who use social media to get help are likely to spend more money with a company than those who don’t use social media, said Jacqueline Anderson, director of product development for social media and text analytics at J.D. Power and Associates, while speaking at the ICSA Annual Conference.One caveat: Social customers — like all the others — will buy more if their experience is good.That means if you’re going to provide some kind of help via social media channels such as Twitter and Facebook, you’ll want to make sure everything you do conforms to the same high standards that exist in your other channels. The biggest reason: “Social media users will talk,” said Anderson.Forty-two percent of social media customers will tell others about a positive experience, while just 15% of the general population will tell others. Plus, 53% of social media users talk about bad experiences, while just 24% of the general population spread the negative word, J.D. Power researchers found.With such a high probability that customers will share bad experiences, it might be tempting to avoid the whole social media scene and stick to the phones — especially since the majority of customer service inquiries still come in via phone (still about 70%, according to most studies).But social media’s not much of a choice any more. Customers demand it — and companies are increasingly responding: 33% of contact centers support social media, a Deloitte Consulting survey found. So make the best of a social media customer service approach with these best practices:1. Stick to the right channelTalking Points | Customer ExperienceOnly 44% of customers say they get a response to their customer service inquiries on the same channel in which they were made, Anderson said. That’s a big no-no.You must respond to customers via the same channel they used to contact you. If it’s an angry social media contact, make the first response via social media and suggest you take it offline (to email or phone) to get the situation resolved.Assuming all goes well throughout the resolution, go back to the social media channel as a follow-up with customers (and the public who might see it) to confirm that they’re happy with the results, suggests Jason Levesque, CEO and founder of Argo Marketing.2. Respond fasterToday, customers expect almost immediate responses in social media. Yet, just 61% of customers said they got a response within 24 hours of a social media inquiry, J.D. Power researchers found.For Levesque and his social media team at Argo, “immediate” means 15 minutes. “Really, you want to respond to every customer engagement request within 15 minutes. You’d never make a customer wait that amount of time on the phone. So why would you do it for an email or a social media request. Fifteen minutes is an acceptable, reasonable response time as long as you give customers that expectation.”If you can’t do that, consider posting hours when someone is available for immediate response and what customers should do for fast answers when that option isn’t available.3. Be consistentYou don’t want to script every social media response, but you certainly can create a template for your most common inquiries and issues. That helps create consistency from one response to the next, regardless of who responds to customers.From there, personalize it, Levesque suggested. Reps can always add customers’ names to the correspondence or a personal message that pertains to the individual situation.4. Maintain consistencyOn equal footing with message consistency is consistency across channels. Social media is an extension of all other existing channels (and likely another step into the next era of service, whatever that may be).So customers should experience the same level of professionalism, quality and accuracy in social media messages as they do in phone conversations and email exchanges, Levesque and Anderson agreed.5. Connect and empathizeSocial media can seem impersonal at first glance. After all, on the surface, it appears to be a couple of computers interacting. But employees who handle social media interactions can connect personally with customers through clear empathy, especially in potentially emotional situations.“Always use ‘feel,’ ‘felt,’ found,’” suggested Levesque. It’s a proven model for conveying understanding and empathy to customers.As an example, reps might respond like this: “I understand why you feel that way. I helped another customer who faced a similar situation and felt the same. When it happened, we found that this worked best …”6. Repeat the right languageSocial media is a fast, convenient, casual way to communicate. But it’s no excuse for forgetting manners.Companies need to ensure that front-line pros who post and respond via social media use words that reflect concern and courtesy — just like you would if you were having a conversation.Anderson suggested a policy that requires every interaction include formalities such as “please,” “thank you” and “I understand …”7. Get time and content rightYou know it’s important to respond to customers in social media at the right time. To increase interaction with customers, post pertinent information — not promotional info — that can help customers at the right time.Facebook posts — which should be fun and interesting should go up at the end of the work day because people tend to look at the site after hours. Twitter posts should be more newsworthy — some company news, some links to other sites with relevant industry information — and put up two or three times a day during work hours when people look for that kind of information, Levesque suggested.8. Make it easierGive customers icons at the top of the company website and social sites to connect in any way they choose — Twitter, Facebook, phone, online chat, etc. Reason: While customers’ first instinct may be to connect via social media, many change their minds and want easy access to help on the phone or an FAQ page, said Anderson.Even more helpful: Use your “contact us” page to clarify best times to reach out on each channel.Another note: Maintain just one account in each of the social media outlets. Some organizations start a page, then build a different customer service page — which only garners confusion with customers and creates inconsistent experiences.9. Bring reps to lifeCustomer service heroLet customers know they’re chatting with a real person by having reps use their real initials, or first names and last initials in conversations.Even better, some companies include reps’ head shots or a personal photo — perhaps of a favorite animal or vacation spot — with their posts and responses.10. Focus on resolution, tooidea As much as we focus on response time in social media, it’s equally important to focus on getting issues fixed.Anderson shared this success: One bank has agents work through customer issues until the customer confirms it has been resolved.There are no hand-offs or “Let me get back to you.” The focus of every social media contact at the bank is reaching a resolution.11. Keep customer care the priorityBecause customers increasingly go to social media for service reasons, Levesque suggested that social media efforts and support remain in the hands of customer care.That team already knows how to professionally, consistently and accurately help customers — and is the best candidate to do it via social media.12. Ensure brand cohesion1Marketing still needs to play a strong role, in the social media presence. They want to be sure that the content looks and feels the same across all channels.Our website