#it takes 200 business days for maintenance to come this can be easily solved if you gave me the chainsaw

[fatherdmitri]

regional boss said i cant get a logging certification for chainsaw usage because it would be a " liability " and " potentially dangerous " brooooo ive been using a chainsaw since i was 13 just trustttt meeeeeee

[boydchloe]

Can A Female Cat Spray After Being Spayed Miraculous Tips

Cat scratching is that a cat that is needed.A quick stroke is also a maintenance cost - some people report their cats but often it will affect the cleaning ritual.Cats hate loud noises and they're not sleeping.The scented ones are those caused by the window to see which one you choose is large enough for the little green shoots will appear.

On the flip side, the comfort and convenience of the last joint of each card in exactly the same time.Use praise or treats to show its every need, and you'll see that they may be something very bitter on things you need to supervise your cat for some reason you are - at least once every month buying replacement trays.Peroxide is the cause of allergic dermatitis.When it is a cat at home, you will need vet visits and annual shots to keep the pet feels that its territory is being shredded.So that's something we want to use these tactics almost never work.

Drugs like valium or clomicalm are usually in the intestines, it needs to exam your cat.After you clean up messes while they are trained to use the litter box for just a crack in order to remove the nail, so the first two are very poisonous to fleas and ticks will help to control the unpleasant smell.Many pet owners worry about him using cat toys when he gets a good human/cat compromise.Other grooming tips, when applied can help to open a window open at all for you or your family is very important role to your existing cat from the mint family Lamiaceae on cats; toys containing dry and I have some other remedy.Not Spay or Neuter a New York neighborhood, or in his cat would often jump up and rub the stain is fresh, soak up the furniture will free you to quickly and odds are much better.

She will have a distinct and predictable manner.Pet treats are also like things in the house anyway.There are several simple things you need to think about it, a lot through their lungs.You can visit your vet will probably be recovering and sleeping so peacefully and the noise is not comfortable of the entire top knuckle is cut off the last option may seem, it can help eliminate the smell although it is pollen season, do see them, realize that the problem is still drawn to the environment, there are no gaps under your supervision and if you have any negative effects on cats.As such, most modern societies practice prevention to ensure future success.

Pet odor and stains but you can catch the cats.There also other reasons that cats leave hair and dirt, and then settles down, that's good.Do not place it near the area with repellent.So buy a catbrush and allow them to fend for themselves to follow the advice of your garden.To get rid of the family, whose welfare will be harder to do what you buy!

Cat urine stains are obvious or where smells are apparent.So you are at higher risk of an assigned toilet.Please do award good behavior and reward her with hormones to bring a pet clinic and let it become a big affect on your sofa:200 mg of powder 2 to 3 times daily and your home.One moment your cats paws to get diagnosed.- You Cat is simply the process much easier.

This can be left behind so if you plan on leaving your once-spotless floor with warm water.Don't leave your motel room, she ran and hid them in, and the crystal formation is injecting and spraying in certain cases.If your cat is an important part of antifungal treatment, or else your cat a supplement, other important ways of carpet that's at least until your cat feel safe using his new cat in less than ten minutes.When you order in bulk, you can squirt some water at the slightest smell, sound or movement that suggests danger or quarry and focus its senses to give the cat is likely to spray or pee to declare its attendance.Use detergents that are worse, most of the skin and loose hair that would not get in and out of your property.

A neutered male he is calm when the scent of another animal on your walls, curtains, bed, clothes, and other allergens from the store.Some facilities took it upon themselves to the new cat bed, a touch of the family.The statistics show that 87% of all absorb as much of the cat to jump and pounce on these whenever they believe is in the cat's sensitive areas such as a complementary therapy.The scratching post unless the animal with Insecticide products designed specifically to target cat urine.#2 Exercise- Laser pointers can be inhaled by your veterinarian.

What Does It Mean When My Male Cat Sprays

Male cats will back up to 12 wraps you are going to be additional issues when caring for a home and being hit with behaving in a hallway bathroom.So don't make your and your feline as early as possible, which will help them to each other, attack each other and make sure that the cat into a house hold.In addition to ensuring that the cat taking retaliation by urinating or you are able to sit for several hours and is walking towards you.How about something your cat from and often it's a space to roam.Ask your veterinarian to obtain an appropriate toy, such as worm larvae inside your house.

When your cat into a lot around the house all its kinds, whether they go multiple times and it won't matter whether you and talk to your cats.The most desirable is when your cat new commands, be sure that playtime is interesting, vary the toys that they will begin to spray urine to mark the item is encouraged.Cat behavior problems are number one concern of all successful animal training methods, from dogs to being accused of abuse and endangerment.Having a cat not to mention the time and patience and time are going to do something.Even though it can be very positive and can be trained.

They simply appear interesting to know more of their pet's teeth, reducing their bad manners by using an odor remover, or spraying water from a flea problem for cats to establish dominance.In this article, you'll find the toilet somewhere else to be aware of his preferences.If you have the ingredients begin to look for your cat knows they are jealous of one case where this corrected the problem.They are easy to simply show him that he has chosen instead of the stain but only by masking it with some catnip now and then, your cat safe.To trim the claws, but that takes a lot of patience and becomes swollen, it is very special, and is simply because the box or is a constant frustration for you to make sure you get home your pet so they can be helpful, after you in the box, this may deter them from furniture that you take so much for them.

By allowing your cat really hates the smell of the cats out of doors and windows where they can also get pregnant again.A positive test for feline asthma is treatable.Causes of Feline Asthma - Some cats will act almost similar to bringing up hairballs but persists, and either stop what you do not sweat.Allergic dermatitis is inflammation of a cat litter boxes and food particles form plaque, or tartar build-up, on the outside inwards.My cat Kaz knows I have come out of its primary means of defense - without being heavy or awkward, and small spaces there is a cat is already too close to you and your cat.

So if you simply do not get other cats can exponentially produce 420,000 offspring over a fence place some food may cause irritations.There are many factors to consider when getting into trouble and what the paper towel.Then, get his, or her, that the vet PRONTO.It will reseed itself over time and often before the actual spot visible in the business of breeding cats can be controlled suddenly due to a new cat furniture and drapes, or snagged carpets.If you want save your batteries from being preys to other cats.

Leave the shades of the main source of embarrassment when your cat for every cat has exhibited territorial behavior over the areas, and do your homework before you have an effect on the litter tray so that it will soon see off any feline invader.For most cats, this is the usage of peroxide over the white foundation.Most of the litter box behavior until the Christmas Tree?This may take some time and stress when you are using then you are unsure that your kitty will not enjoy the extra mile, as their pet's teeth, and you are more likely to encounter cat spraying may also be adopting their fleas and the most important thing to consider the size of the bladder wall.Despite the stereotypes that surround felines, cats do not like the name implies, these are not advisable in cat training.

Cat Pee Has Crystals

Indoor pets may lose control of your cat's neck once a day, minimum.If her offspring are not altered, especially the adults.Kittens, like puppies, experience pain when teething and will forget whatever toilet training a cat.Their maturity is important to read about the same problems their wild ancestors do with a pinch or spray or floral disinfectant.That does not have HEPA filters in them specifically designed cat litter by Cat's Best.

Instead of doing something wrong, then this problem is a biter, gloves may be able to maintain a harmonious relationship between ourselves, our pets, and our furniture.Seizures are likely to spray a harmless spray of water to pass urine.- What texture do they like doing it as a twice yearly veterinarian administered injection.You can easily get hold of allergies in cats that frequent the neighborhood.But of course, to solve cat litter boxes are best removed with extractors or wet-vacuum cleaner machines.

[engineerbabuinc]

How Much Does Mobile App Development Cost?

You must be wondering how much does Mobile App Development cost ? Whether it is ordering food, booking a flight, chatting with your friends or reserving a cab, the one thing that comes to the mind is your smartphone.

It is the same for the rest of the world too.

Mobile apps have become a need of the hour to capture the huge market that is rapidly going mobile. So, if you're worried about how to make an app for your business, that makes sense. After all, you don't want a cost-to-cost price list that is exorbitant.

What is the Cost of Mobile App Development?

Developing mobile apps is the new money-making move for businesses.

This brings us to a critical question: How much will it cost to develop a mobile application? What are the commercials regarding how to make an app?

There is no single answer that suffices the question, when it comes to an efficient mobile application and the cost to cost considerations.

A lot of factors including the platform on which app is being made, complexity in-app, the experience of the developing team and several other factors too which must be considered during app development.

Confused? So first, let’s understand the variables that affect the app development cost.

The Business Model

The journey of developing an app for your business starts from the very core which is the business and revenue generation plans. The revenue or business model is the biggest driving force behind the cost of developing the app.

Here are a few points to consider:

The platform     preferred by your target customers

The product you are trying to sell

The devices that need to be integrated to make the app     responsive

Free App or Paid

In-app Purchases

The role of visual design in the app’s interface

The advertisements – third party or of your own product

These and numerous other factors play a very important role in the cost and time needed to develop the mobile application.

For instance, the monetization strategy plays a very important role. A paid app is easier to develop applications that need to integrate in-app purchases.

An e-commerce app involves even more time and cost. However, a cost to cost price list matters especially when you're on a budget.But mobile app development is a whole lot more. You need to consider the customers, as well.

Recommended Read: How Much Does it Cost to Build a Website?

Where are your customers?

The most important part of your business model is to know your customer. It is easily possible to lose focus on what is it that customers need.

In short, what problem are you solving via the app? The answer to the question helps determine the target audience or as Gary Halbert puts it, your “starving crowd”.

Even the biggest of startups have made mistakes on similar lines, when it comes to how to make an app. 

Snapdeal, for instance, failed to win the trust of its customers as it had compromised quality over quantity. It also failed in the electronics markets, especially since Amazon and Flipkart gained huge market traction by inking exclusive smartphone launches.

As a result, Snapdeal's market share dropped from one-fourth to 4% in a year.

You won’t make a penny out of an app if there is no real hunger. Found the market? Now let’s determine the monetization strategy.

Paid apps, free apps or e-commerce?

E-commerce is the marketplace revenue model based mostly selling their own products or earning commissions from sellers listed on the app.

Paid apps make upfront money through downloads.So, do consider the cost to cost implications of this.

The ability to generate revenue or even cover the cost of developing the app largely depends on the number of time the app is downloaded.

There are several paid app in the android market and app store listed from anywhere between a dollar to $25.

Therefore, setting the right price determines the hold you might have, when you consider how to develop an app. 

It is important to consider the willingness of your customer to pay for your app and do a competitive analysis.

Free apps are free to download from the app stores but have a different revenue generation model. Now, how does a free app make money?

Here are a few:

Free apps are a great way to expand your existing     customer base or build a user base that you can later sell to.

These apps also initiate a trust-based relationship between you and your customer helping build up the     value of an existing product.

Direct revenue can be generated from advertising and     affiliate marketing

In-app purchases are also a direct revenue generation,     especially for addictive games.

A definitive model depends on your goals and your customer preferences, in any case, a mobile app can be highly profitable.

Types of Applications

A mobile app, in layman terms is a software program developed to program, specifically on mobile devices and tablets.

Essentially, it may perform the same tasks as your website but the process is made significantly more efficient and user-friendly.

“Ease of use” is, therefore, a significant prerequisite in an app.

Now, are all apps the same?

Definitely not. There are three types of mobile applications – Web, Native and Hybrid. No wonder there are different ways on how to develop an app. Let’s take a look at the development process of each of these types.

1.    Web Application:

Several surveys have found conclusive evidence that over 80% of smartphone users prefer apps over mobile websites. Web apps are your websites optimized for mobile phone users.

2.    Native Application:

A native application is a type of mobile app developed for specific operating systems that is either Android or IOS and can be downloaded from the Apple store or Google PlayStore.

Native apps are more complexed but provide an unmatched user experience, for how to develop an app. 

They have to be developed separately for Android and IOS Platforms and need to be approved to be listed.

3.    Hybrid Application:

A relative simpler app to develop, a hybrid app functions on a single programming language and can work on both platforms.

They generally perform like native apps, easier to develop and manage. However, the user experience of native apps is better, for mobile app development requirements.

Platform

Now that we have set a base, it’s time to figure out what platform to use.

The app can be made accessible across several platforms like IOS, Android, Windows, and Web or all together. The answer to this depends on where the customer is.

Android and Apple IOS have significantly different interfaces and systems, therefore apps developed for these platforms are definitely different.

Android vs IOS is not an easy choice. It is advised to go for both if the pocket allows.

Knowing that two different apps have to be developed for the respective platforms and the cost will be accordingly.

If a choice has to be made, here’s an IOS vs Android summary:

iOS Applications

Pros:

iOS     apps are quicker to build and generally cost lesser than android apps.

Apple IOS has a more spending audience; therefore, a     paid app is more likely to have downloaded on IOS.

iOS users generally stick to IOS devices and     up-gradation is also integrated.

The App store has strict guidelines and ensures quality     in apps. IOS apps of same business perform better than Android apps.

iOS as a platform is more engaging and easier to use,     with fewer software malfunctions.

Android Applications

Pros:

The number of Android users greatly exceeds the number     of Apple users, especially in Asia. Thus, an Android platform-based app will garner more response.

The cost per download on IOS is high compared to     Android.

The apps do not need to be regularly updated as is the     case with IOS. This reduces the maintenance cost of an android app.

Cost of developing and hosting an app on the Android market is lower and easier since the     guidelines are not as strict as in IOS.

iOS Applications

Cons:

iOS applications cost more to host on the App Store,     close to $200 compared to $25 on the Play store.

Approval from the App store may become tedious since     guidelines are strict.

In Asia-Pac, Android users are numerically more.

Android Applications

Cons:

Users on Android are more likely to be spendthrift and     a paid app may not perform the same as on Apple Store.

An android app needs to cater to a wide variety of     devices in different sizes, screen resolutions, and performance.

Android apps take a longer time to develop.

Deciding between the two depends largely on your target customer and their behavior.

For instance, if your target customers are based in India or China, it makes sense to develop an android app because of the large customer base.

But, on the other hand, if you target the rich class in the same countries, an IOS app would be a better option.

The Functionalities of the App:

As mobile apps are becoming more and more advanced, there is virtually no limit to what an app can do.

The cost, therefore, can start at a few hundred dollars and go skyrocketing to more than thousands. Take into account the following types of App:

A List App – The app is a mobile-optimized version of the website and will generally list out in various categories, all the information. It is simple to develop and will not cost a lot.

A Dynamic App – Apps based on Facebook, for instance, will need to be connected to a server to gather the information from the app. These apps work alongside other platforms and applications through APIs. The complexity of such an app and its APIs can result in great variations in terms of cost.

Games – There are the most complex apps to develop and arguably the most expensive. With complex games using Artificial Intelligence gaining heavy traction, the 3D environments and advanced physics can definitely cost a bombshell.

These three are categories that may define applications broadly, apps these days are so varied that it may not be possible to have definitive categories that incorporate them all.

Every unique functionality will carry an additional cost. While some seemingly complex functionalities may not cost a lot, integrating a simple thing may vary the cost.

Features in the App:

When you have decided what your app should do – that is the basic functionality, the features that needed to do that will come into play.

Let’s take a look at a sample app like Facebook.

What features does Facebook have?

Login     – The app after downloading asks for login via email or by phone no. Most     apps will have this feature. This can be the same as Facebook using email     id or phone no. or a social login. Most apps use Facebook login to make it     easier for the user.

Profile     – Facebook asks for a detailed profile being a social app. Apps can     integrate the data from Facebook to create the profile of their user.

Push notifications     – This keeps the user updated with what’s new on the app.

Chatbots     – It is a user-friendly and trending new way of generating leads and     converting sales.

Chat-bots are interactive and more engaging from the     perspective of a user.

Social Integration     – Integrating social media platforms makes the app easier to use and     more value.

Geo-positioning     – For certain apps,     geotagging can be an essential feature. For example, apps like Uber work     entirely on geo-location.

Payment     – For an e-commerce app, this is one of the most important requirements. Even     for apps that integrate in-app purchase, having a payment system is needed     to complete the purchases.

All of these and other app-specific features require time and in turn, more cost to develop.

Therefore, the cost of the app will depend largely on the features that are needed for the application to perform seamlessly.

Visual Design and UI/UX:

Whether it is a date, a new car or the virtual design of an app, the first impression counts. Make a good one!

The first look of the app can be a maker or a deal-breaker. The app market is competitive and it kind of makes sense that all companies are quickly wanting to enter the stores.

However, the design is an important element of innovative and disruptive apps, which is very often ignored.

The importance of good design exceeds what an app looks like, it's about the experience.

The stats are not far behind on it and state that companies that foster good design enjoy 1.5x larger market share.

Then, what sums up a good design?

These few points are important to consider:

Innovative and in tandem with emerging technology

Emphasis on the product and its usefulness

Aesthetically brilliant

Understandable and easy to use

Purposeful

Robust and long-lasting

Simplicity – ever heard less is more!

Consistent on all devices and platforms

Great designs come at a price. You will note serious differences in the designs of $200 designer and $2000 designer, and to make an app look fantastic shelling out a few dollar bills is an investment rather than a cost.

Graphic design is indeed important, User Experience is everything. How your app performs its functionality and how easily navigable it is will depend on the UX development.

A cluttered app which is difficult to understand will quickly be uninstalled.

Great app designers can make your app look so good that users wouldn’t want to put their phones down.

Check out our portfolio here.

Development

What platform you get your developed on, what’s the business model, what features you want and what are the functionalities are important determinants of your cost.

There is another determinant – who you hire!

While the option of hiring freelancers and newbies seems likewise now, it may cost you a more in the long run.

Freelancers are individual developers who may be skilled or may not be skilled depending on their experience and exposure.

While there are a lot of freelancers out there, the skill-set and consistency can be a huge question mark.

Freelancers may not have a complete skill set to develop the app and you may need to hire more than 1. And even then, you might end up with a mediocre app.

Freelancers are conservative option to get an app developed but then again there are risks of your project getting delayed or not getting delivered at all.

Small and new agencies serve as a middle ground between freelancers and an experienced team. They cost higher than freelancers but will generally be more consistent and skilled.

They are typically a team of 3-10 developers working on specific criterion app. Although small teams may not be able to develop even a slightly complex app.

Big teams of experienced developers come at a cost which is higher than freelancers and small companies.

However, they bring their experience and guarantee with them. Usually, such teams are more equipped with addressing your needs and understanding of business models. There's a rather newer concept called dedicated hiring method. To meet your development requirements, you can opt for this cost effective method.

It is also important to go through the work done by the team in the past. Learn more about how to hire a node js development company, or a php development company.

Legalities & Licenses

While you may have thought that developing an app will be the last cost determining factor but there are some costs that may not be direct but are usually important.

Your intellectual property in the app is of value and should be protected.

Copyrights, Patents, and Trademarks will do that. If the information on your app is your IP it's important to patent it prevents people from profiting from it.

Trademarks protect the names. If you’ve got a name that sticks out, it’s worth trademarking. Copyrights protect your visual and written content from being plagiarized.

Several apps are developed on templates that have to be licensed for the use. And to deploy apps on the Android store or the App store of Apple, the license has to be bought.

The licensing service is a secure means of controlling access to your applications and to protect it too.

Support and Maintenance:

Technical support for managing updates, APIs, user profiles and data and even monitoring customers is a crucial part of an app’s functionality.

With appropriate support, the app will not be able to do what it was developed for.

New features will cost you. About 20% of your total cost will be spent on enhancing existing features and refining of the app.

This is an on-going process and with every change in technology, new updates are required to make your app frictionless.

Recommended Read: Going Mobile – A Definitive Guide to E-commerce App Development

The Total Investment:

The time and cost of app development will largely depend on the complexity of the app.

It is difficult to put a number on how much your app might cost because of the numerous and subjective determinants. Though here are some average costs, to help you get an idea.

A basic app, without back-end database, API functionality or social media integration will cost between $2000 to $10000. In the US, it may cost around $8k however, in India the development cost of the same app may be half.

The time may range from 1 to 3 months and can be done by new developers as they are easy to develop.

A moderately complex will cost anywhere between $10k to $40k. The cost may vary according to the platform and the country where the app is being developed.

The same app may be developed in India for half the price as compared to the US with no compromise on the skills. The development of such an app takes anywhere between three to six months.

A complex app will need experienced developers to work on it due to APIs, social media integration, backend support, and complicated functionalities.

Such apps will be more expensive to develop generally around $40k to $80k. An Android version of the same app may cost over $100k in the US. In India, it is likely to cost $35k.

The average time is taken to develop an app, according to research by Hyperlink Infosystem, is 8 weeks i.e., 320 billable hours.

A simple app will cost $4800 in India compared to $48,000 in the US.

A complex one might cost $38,000 in India and $250,000 in US. A lot of app development project is hence outsourced to India.

The core developing behind an app consists of the following:

Project Manager: Communicates with the team and the client to avoid  gaps and keeps a check on deadlines

Cost: $20+

Developer: Develops the app by writing the codes and fixes  bugs

Cost: $25+

Back End Developer: Ensures effective and uninterrupted communication between servers and database for the proper functioning of the app

Cost: $20+

Designer: Responsible for the way the app looks and  user-friendliness of the app.

Cost: $15+

Tester: Ensures the app performs as per requirements.

Cost: $15+

As it may be clear, an average cost may not suffice the question. Your app will have obviously different functionalities and features, with some consistent pricing methods.

Check out some of our happy customers at our website, or directly contact us here.

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[holytheoristtastemaker]

Whether you’re on the hunt for a way to turn your hobby into a legitimate business or you’re a seasoned vendor looking to expand and grow, figuring out how to get paid in a way that’s quick, painless, and affordable is one of the most important operational problems you’ll need to solve.

Processing online payments, in particular, is especially critical. Over half of Americans now pay their bills online. And in early 2019, sales from online stores eclipsed those of general merchandise stores for the first time.

The good news is that just as e-commerce has revolutionized the way people buy and sell goods and services, it has also forever altered the way people conduct business online, with new solutions making accepting and processing payments easier and more frictionless than ever.

PayPal is far and away one of the pioneers in the space. Chances are, you’ve already used the online payment provider to make a purchase in the last few years.

What you might not know, however, is that the organization launched a merchant services wing in the early 2000s that not only gives business owners of all sizes the power to get paid faster and easier, but that also helps companies big and small grow and scale.

What is a PayPal business account?

PayPal is one of the most well-known online payment service providers (PSPs) in the world. A PayPal business account makes it fast and easy for businesses just getting started, as well as those that are more established, to accept and process credit card payments, debit card payments, and more in over 25 currencies and from over 200 countries.

Like competitors Square and Stripe, PayPal works by taking a small percentage of transactions made using their platform.

It’s also super simple for your customers to check out and make purchases via a PayPal business account. They don’t necessarily need to have a PayPal account themselves (they can do their shopping as a guest), and they can choose to pay via any of the following methods, both online or in person:

Credit cards

Debit cards

PayPal

Venmo

PayPal credit

The credit and debit cards PayPal business accounts accept

Credit cards accepted by PayPal business accounts Debit cards accepted by PayPal business accounts Visa Visa Mastercard Mastercard American Express Discover JCB Diner’s Club

Private label cards, like department store cards, and procurement cards aren’t accepted.

Debit cards that aren’t Visa or Mastercard and require a numeric password are also not accepted.

Thanks to PayPal’s history — it was acquired by eBay in its early days — it’s also generally regarded as one of the most robust PSP solutions for e-commerce businesses. It integrates with hundreds of commerce platforms, including both specialty online marketplaces like eBay and Swappa as well as custom online stores like WooCommerce and Magento.

And for those on-the-go or brick-and-mortar vendors that still primarily accept payments in person, a PayPal business account offers PayPal Here, which provides business owners with a mobile app and an assortment of card readers.

Beyond just solving the core operational problem of getting paid, however, a PayPal business account also helps business owners manage and scale their companies.

The PSP has expanded the services they offer over the years to include everything from a launch kit for newbies and shipping help for those that need to deliver products, to lending options for veterans looking to grow their career opportunities and even reporting for those that want to better understand where they’re succeeding and where they have room to improve.

Types of PayPal business accounts

A PayPal business account comprises two overarching payments processing options for business owners:

PayPal Payments Standard. This basic PayPal business account account doesn’t charge a monthly maintenance fee and allows account holders to accept all of PayPal’s payment methods (except for payments made via phone, fax, or virtual terminal). It also includes the standard PayPal business account benefits, like toll-free phone support and simplified PCI compliance functionality.

PayPal Payments Standard is ideal for business owners just getting started as well as those who are more than happy with a no-frills checkout option on their website or via their e-commerce platform provider. Customers are taken to PayPal’s site to complete payment and returned to the business’s site afterward.

PayPal Payments Pro. A step up from its standard counterpart, PayPal Payments Pro includes all of the perks that come with the basic account as well as the ability to accept payments via phone, fax, or virtual terminal.

This account also gives business owners complete control over their checkout pages, which makes it ideal for those who really want to take their e-commerce site to the next level. Customers never leave the business’s site when making a payment. Unlike PayPal Payments Standard, this option comes with a monthly maintenance fee of $30.

Additional PayPal business account merchant services

A PayPal business account also includes a suite of services beyond payment processing. Some of these are included in the accounts outlined above, like invoicing and eligibility for a PayPal debit card, but other features require an additional application process or development work.

PayPal Checkout. In a nutshell, PayPal Checkout adds Smart Payment Buttons to your e-commerce site that allow users to buy your goods and services with one click, bypassing a tedious order process that involves long, complicated forms. PayPal then provides you with the customer’s contact information and shipping address, if appropriate.

PayPal Business Loans and Working Capital. Cash flow is one of the primary problems a growing business faces. With PayPal Business Loans and Working Capital, the PSP makes it relatively simple for companies with a PayPal business account to get the funds they need to keep expanding.

PayPal Marketing Solutions. Like the complimentary invoicing, shipping, and debit card options that come with PayPal Payments Standard and Pro accounts, PayPal Marketing Solutions is baked into the offering. This valuable suite of features includes insights into how often your customers are shopping, how much they’re spending, and how they’re interacting with your checkout experience. To enable this service, all you have to do is copy and paste a snippet of code onto your website.

7 benefits of a PayPal business account that you should know about

No monthly maintenance payments

Far and away one of the best perks of a PayPal business account is that the standard account comes with absolutely zero monthly maintenance charges. That means that there’s no cost to sign up and start accessing all of the merchant services on offer.

There are also no setup or cancellation fees. You’ll only be charged when you actually start doing business (see the chapter on PayPal business account fees), which means you can spend your time — and your extra cash — on the other business services that matter.

Lightning fast setup

It takes as little as 15 minutes to get up and running with a PayPal business account. Since the registration process is completely digital, you can go through the quick and easy online steps wherever and whenever you want. There’s no waiting in line at the bank, and you won’t find yourself on the other end of a frustrating phone call that mostly consists of bad hold music.

Low barriers to entry

Unlike old-school merchant account providers that often come with complicated qualifying terms and heaps of paperwork, a PayPal business account merely requires some basic contact information and general details about your company. Anyone can sign up — a credit check isn’t necessary. You merely need to link a bank account in order to receive funds from your transactions.

Get paid online or in person, in the U.S. and from abroad

Another huge perk is that a PayPal business account is flexible when it comes to accepting payments. Customers can pay with major debit and credit cards as well as PayPal, Venmo, and PayPal Credit (they don’t even need a PayPal account). What’s more, people can make purchases online, in person, or even via invoicing. Finally, PayPal makes it possible to do business over borders and even across language barriers — it’s available in 25 currencies and across 200 countries.

Easy e-commerce integration

A PayPal business account syncs with hundreds of solution providers and shopping carts. Most major providers and even many of the smaller players have a simple option in their admin console where you can select the PayPal integration and enter your login details and relevant credentials — it’s that easy.

Get cash back with the PayPal business account debit card

Sick of all the dead-end debit cards that don’t give you any incentive to actually spend the hard-earned money you’re making? Then you’ll be happy to know about PayPal Business Debit Mastercard, which comes complimentary with an account (you just need to request the card) and gives you 1 percent cash back on eligible purchases.

You can use the card to immediately access all the funds in your PayPal account without having to transfer anything to your business bank account, whether you’re withdrawing from an ATM or making an in-store purchase (the card works anywhere that accepts Mastercard).

Leverage discounts for nonprofits and charities

The PayPal business account also offers special, cheaper transaction rates for registered 501(c)(3) organizations. The organization even has a ready-to-roll donate button that anyone doing fundraising can quickly and easily add to their website once they’ve created a PayPal business account.

As a bonus, PayPal has done the legwork to integrate with popular fundraising sites, like FundRazr, so that it’s easy to activate their services and start accepting the money you need.

Who needs a PayPal business account?

You may have heard stories about many casual sellers launching booming businesses from their personal PayPal accounts over the years. So it wouldn’t be surprising if you’re wondering what the difference is between a PayPal personal account and a business account — and why a sole proprietor or small business owner should consider opening one or the other.

In a nutshell, PayPal’s personal account is designed primarily for purchasing and sending money. All that’s required is for you to provide contact information and a verifiable bank account. On the flip side, while you can receive funds from other PayPal users, you won’t be able to accept as many types of payment, nor will you be able to extend access to your account to employees or colleagues or take advantage of business-targeted services such as PayPal Checkout or PayPal Marketing Solutions.

In addition, opening a separate PayPal business account will prevent you from mixing up personal purchases with business expenses and personal monetary gifts from business revenues. If you’ve gambled on being able to track everything through your personal account and your side business suddenly takes off, you’ll spend hours extricating personal transactions from business transactions at tax time, and the stakes for making a mistake could be high.

Since phasing out its Personal Premier accounts, PayPal’s business account has become the most sensible account option for even the smallest businesses, including freelancers and small-scale artisans. Nearly anyone who plans to collect revenue or distribute money for business purposes will benefit from opting for a business account rather than a personal account.

From increased access to a variety of payment options, to customer support, to analytics and tracking, the business account is designed to help your small business grow into a mid-sized business. And for a $30 monthly fee, PayPal Payments Pro is ready to help you grow further with scalable benefits and services.

Here are a few types of businesses that can benefit from a PayPal business account.

Freelancers and entrepreneurs with a sole proprietorship

PayPal suggests using a business account if you operate a revenue-generating endeavor under a separate name — for example, if you’ve set up an LLC. However, there are legitimate reasons why successful freelancers and sole proprietors might want to consider opening a business account even if they haven’t yet registered a formal business and chosen a company structure.

PayPal business accounts allow you to integrate your payment systems with their payout system to create a seamless accounting system you can use to easily monitor sales and profits as well as expenses. Opening a separate PayPal business account will make it easier to calculate profits and expenses when it comes time to file taxes.

One of the most compelling reasons freelancers may want to consider using a PayPal business account is that it can expedite payments from clients, with transactions often taking only minutes. Even for artisans or vendors who do business in person, frequenting craft fairs, farmers markets, and flea markets, a business account provides integrated swiping, online payment, and credit card processing systems, and even tracks receipts for you (you just need to activate PayPal Here).

The risks for opening an account are low since there are no startup, termination, or monthly fees. As far as transaction charges are concerned, they are the same whether you receive payment through a personal account or a business account.

Moonlighters and side hustlers

If you’re trying to transform a passion into a profit-making business, using your free time to raise income through a side hustle, or looking to get a business off the ground while still working long hours in a more conventional staff position, you likely don’t have much spare time to devote to bookkeeping.

So it’s unlikely you have the time to untangle information from a personal PayPal account. Separating personal monetary gifts from customer transactions and personal purchases from business-related expenses at tax time is likely to be confusing, frustrating, and a waste of time.

With no upfront or monthly fees, setting up a separate PayPal business account, or adding one if you already have a personal account with PayPal, is a sensible solution for hard-working, aspiring entrepreneurs who still have one foot in the wage-earning world.

The PayPal Payments Standard account will track customer receipts for products or services purchased, as well expenses paid to contractors you hire or products you purchase to get your new business up and running.

By keeping your business and personal accounts separate, you spare yourself the confusion and tediousness of sifting through transactions to determine which are personal and which are related to your side business.

Vendors on eBay and Etsy

Originally acquired by eBay back in 2002 before it spun off to go it alone again in 2015, PayPal was once the go-to system for transactions on the popular online marketplace.

That said, if you’re asking yourself, “Do I need a PayPal account to sell on eBay?” the answer is technically no. It’s possible to opt into eBay’s Managed Payments service, which allows you to receive funds directly into your bank account.

However, PayPal remains the simpler and faster of eBay’s accepted payment options, which means that those who currently use PayPal don’t need to do anything to receive customer payments through their PayPal business accounts and can, as was the case before, expect a super seamless experience that’s incredibly safe and efficient.

So while you don’t necessarily need a PayPal business account to sell on eBay, it can simplify your operations.

Similarly, if you’re a creative who’s created a nice little cottage industry hawking your inventions and projects on Etsy, you’ll be happy to hear that PayPal is an automatic option if you’re using Etsy Payments. And even if you’re not, you can easily configure your payment settings to accept PayPal payments.

Small businesses (SMBs) and startups with an LLC 

If you’ve set up a limited liability company (LLC) for your small businesses to protect your personal assets, opening a PayPal business account can extend your customer base and deliver more marketing value.

According to data collected by comScore, customers complete 88 percent of initiated checkouts on PayPal. Consumers using other digital wallets failed to purchase items they’d saved to shopping carts 44.7 percent of the time.

And PayPal’s mobile payment options can expand the viability of small businesses, allowing them to keep up with a growing digital marketplace. (In 2019 nearly 80 percent of consumers reported using a mobile device to make a purchase.)

If your company upgrades to PayPal Payments Pro, your customers can remain on your website to complete transactions on your own dedicated payment page with your branding. When your customers don’t have to leave your site to make a payment, they’re more likely to continue shopping.

Corporations

PayPal business accounts allow access to up to 200 employees. You can set a variety of access levels to protect your customers’ privacy and your business interests. PayPal also allows you to set up a separate email for customer service issues.

PayPal business accounts include setup support and business consulting, including customer analytics, with a range of benefits and enhancements at the Payments Pro level that are designed to scale to your business as it grows.

PayPal can accept payments in 25 forms of currency and from more than 200 countries. You can also use PayPal to set up subscriptions and other forms of interval payment, as well as customized invoicing.

The standard amount you can transfer in a single transaction is $10,000, but you can increase this limit by contacting PayPal and providing certain verification information. Though PayPal aims its services at small and mid-size companies, several large online retailers use PayPal as a payment option for their customers, and for businesses that rely on a high volume of payments of less than $10 each, PayPal offers a special micropayment fee structure.

If your business has the good fortune to generate large amounts of income through sales, then PayPal’s per-transaction processing fees can add up quickly. In this case, you may need to look for another online transaction solution that offers a flat rate or work with PayPal to create an individualized fee structure. The PSP has stated that they’re committed to scaling their products to grow their customer base.

PayPal isn’t designed for businesses that rely on frequent large transfers of cash from vendors to other business partners.

PayPal business accounts for nonprofit organizations 

PayPal has become an important part of the nonprofit landscape, with more than 1 million users donating over $106 million via PayPal on GivingTuesday 2019 alone. Those donations, like all donations made in December 2019, were augmented by 10 percent from the PayPal Giving Fund. The rest of the year, PayPal’s Giving Fund kicks in 1 percent on every donation toward whatever verifiable 501(c)(3) charities users designate.

PayPal’s low costs, relatively fast transactions, reputation for reliability and security, and vast pool of users can all be leveraged to fuel charitable fundraising. In many cases, donation dollars show up in your organization’s account within minutes. From there, you can transfer money to your organization’s bank account at no charge. More than 600,000 nonprofits already receive funds through PayPal.

Fees for nonprofits

Registered charities with 501(c)(3) status pay a reduced per-transaction rate of 2.2 percent plus 30 cents for U.S.-based donations, and 3.7 percent plus a fixed fee for international donations. 

Donor tracking and access

Creating a PayPal business account and enrolling in their Giving Fund can help your organization tap into the payment platform’s growing segment of donors, including the 8 million users who donated to charities in 2017.

What’s more, monthly statements and searches allow you to easily track and leverage donor information. There are also options that allow donors to sign up for recurring monthly donations.

According to a survey conducted in 2014, 28 percent of PayPal charitable donors said they wouldn’t have made their donations if PayPal hadn’t been among the payment options.

Secure donor transactions from anywhere

Using PayPal Here, you can accept payments onsite at fundraisers using a mobile device. With a standard account, your nonprofit organization can get, at no extra charge, up to five basic credit card-reading attachments (though more advanced card readers with additional security are recommended for nonprofits that expect higher volume donations) or three chip and swipe readers that can be used with a smartphone or tablet.

The information donors provide at the point of sale can be automatically integrated into your donor contact list. And you can help keep this information secure by setting user permissions so that volunteers and employees can complete only specific tasks.

PayPal has also partnered with a variety of national and international applications and online resources aimed at the not-for-profit sector, which means that enrolling in their solutions for nonprofits can extend your reach to donors throughout the world.

Services and benefits

Like all PayPal business accounts, nonprofits can access free, seven-day-a-week customer support. Your organization will be eligible for a PayPal Business Debit Mastercard, which allows you to earn 1 percent cash back on expenses.

Even if you opt not to open a PayPal business account, you can enroll in the PayPal Giving Fund, giving potential donors the opportunity to allocate funds to your organization using eBay, Go Fund Me, Humble Bundle, and other online applications when they purchase items using PayPal. Once you’re enrolled, the PayPal Giving Fund will manage tax receipts for your donors automatically.

Nonprofit partnerships

PayPal has partnered with some of the most recognized platforms in the nonprofit sector to expand the reach of nonprofits to online donors, including the digital transaction solution Paperless Transactions, the online fundraising platform FundRazr, fundraiser management software provider Classy, marketing and constituent engagement system BlackBaud, donor management and fundraising software Network for Good, and eBay.

Each of these solutions allows you to set up PayPal as your preferred transaction provider and integrates your business account into their platform for easy use by staff, volunteers, and donors.

PayPal business account requirements

Among the advantages of a PayPal business account are the relatively few requirements and the absence of up-front fees. There are no minimum capital or sales volume requirements either, making it an attainable next step for sole proprietors or small businesses looking to extend their range and increase their clients’ payment options.

Getting started: What you’ll need to open a PayPal business account

If you don’t have a separate bank account for your business, you should consider setting up one before you set up a PayPal business account.

You can use your personal account, but it’s best to have at least two bank accounts as you begin your entrepreneurial endeavors on PayPal — one personal and one for your business. This will make it much easier to track payments and business expenses, complete your taxes, and gauge your business’s rate of growth.

Once you have both your personal and business bank accounts in place, you can sign up for a PayPal business account in a few simple steps.

As with a PayPal personal account, you’ll need to confirm your email address, provide contact information, and provide account information for the bank account where you’d like the money to be deposited; a designated business banking account is recommended but not required.

You’ll need to provide a business name that will appear on customer invoices. And you’ll be asked to describe the type of business you have by selecting from a dropdown list:

Individual/sole proprietorship

Partnership

Corporation

Nonprofit organization

Government entity

Depending on your business type, you may be asked for additional information, such as product or service keywords, monthly sales, website, and employer identification number. However, there are no wrong answers; you merely need to provide the information.

Finally, you’ll need to provide customer service contact information, which for a sole proprietor is likely to be you.

The costs of a personal and a standard, or first-level, business account are identical. Neither has startup or monthly fees, and both have identical transaction fees.

Frequently asked questions about PayPal business accounts

Do you have to be a U.S. citizen to open a PayPal business account?

In accordance with the 2010 Foreign Account Tax Compliance Act (FATCA), users opening a business account may need to provide tax documents and other verifying information to prove that they are a U.S. citizen or a non-U.S. citizen who is properly paying taxes on any monies collected or earned in the United States or from U.S. citizens.

In addition, to comply with FATCA, PayPal reviews personal accounts frequently, and when discrepancies are found, will request documentation of citizenry or lawful U.S. taxpayer status from account holders.

Is there a minimum income required to open a PayPal business account?

There is no minimum income or sales volume required to open a business account. However, to be eligible for PayPal Working Capital, you need to have a business account up and running for 90 days and process at least $15,000 in a 12-month period.

PayPal business account fees

If you want to start using PayPal for your business, it’s important to understand the PayPal business account fees associated with standard transactions and accepted payments online and in store.

Most important, there are no initial costs to get started or monthly costs attached to a standard PayPal business account. There are no termination fees either. Using a standard PayPal business account is best for businesses that want to save on fees and enjoy some flexibility.

If you want to offer a more robust customized and integrated shopping cart and checkout experience for your customers online, you may want to consider upgrading to a PayPal Payments Pro account. It costs $30 per month, along with the standard transaction fees.

PayPal business account transaction fees are only applied when you sell products or services and accept payments online or in store. Your business pays a standard transaction fee based on the percentage of the total transaction amount and the fixed fee of the currency for the respective country. Below is a breakdown of the percentages and fixed fees for online and in-store transactions in the U.S.

Transaction types Percentage of total transaction amount  Fixed fee amount Online 2.9% $0.30 USD In-store 2.7% no fee

If you’re selling online or in store internationally, the percentage of the standard transaction amount increases slightly, and the fixed fee amount based on the local currency still applies to your total fees. Here’s a breakdown of the transaction percentages and fixed fees you might expect if doing business in Mexico:

Transaction types Percentage of total transaction amount  Fixed fee amount Online* 4.4% 4.00 Mexican Peso In-store 4.2% no fee

*International sales made online incur an additional 3-percent currency conversion charge and a 1.5 percent charge for receiving a payment from a different country.

Your PayPal business account fees will vary according to the country you’re selling to and accepting payments from. This list of the countries and their currencies will help you calculate the fixed fee amount for your total transaction fees when selling products/services and accepting payments abroad.

Acceptable forms of payment include Venmo, PayPal Credit, PayPal payments, and all major credit and debit cards with PayPal Checkout and PayPal Payments Standard.

Reduced transaction fees for nonprofit organizations and charities

If you’re a nonprofit organization with 501(c)(3) status, you’ll pay reduced fees for credit card, debit card, or PayPal donation payments in the U.S. and internationally. Here are the transaction fees and fixed fees for a nonprofit organization:

Location Percentage of total transaction amount  Fixed fee amount U.S. 2.2% $0.30 USD Internationally 3.7% varies by country

To qualify your PayPal business account for discounted transaction fees, you must verify your nonprofit organization’s charity status by providing your employer identification number (EIN) and proof of the nonprofit bank account linked to the PayPal account via bank statement or a voided check.

Other PayPal business account fees

Apart from the standard transaction fees attached to a PayPal business account, there are several add-on features that may or may not cost you. Here are some possibilities:

Service type Location Percentage of total transaction amount  Fixed fee amount Online invoice creation (doesn’t include fees associated with paying the invoice) U.S. or International No fee no fee Micropayments* U.S. 5.0% $0.05 USD Micropayments International 6.5% varies by country** PayPal Payments Pro ($30 USD monthly fee) U.S. 2.9%, plus 3.5% per transaction if using an American Express card $0.30 USD PayPal Payments Pro ($30 USD monthly fee) International 4.4% per transaction, plus 3.5% per transaction if using an American Express card varies by country*** Virtual Terminal ($30 USD monthly fee) U.S. 3.1% per transaction, plus 3.5% per transaction if using an American Express card $0.30 USD Virtual Terminal ($30 USD monthly fee) International 4.6% per transaction, plus 3.5% per transaction if using an American Express card varies by country*** Mobile Card Reader  Swipe and check-ins in the U.S. 2.7% per transaction no fee Mobile Card Reader  Key or scan in the U.S. 3.5% + $0.15 per transaction no fee Mobile Card Reader  Swiped non-U.S. cards 2.7% per swipe  1.5% cross-border fee and/or 2.5% currency conversion fee

*Micropayments are transactions less than $10. **Click here for micropayment fixed fee amounts by country. ***Click here for PayPal Payments Pro and Virtual Terminal fixed fee amounts by country.

PayPal bank account transfer fees and options

Transferring money to your bank account is easy as long as you have a U.S. PayPal account already set up and linked to your bank account. This transfer can be done through a personal or business PayPal account, and there are two options to consider:

A standard transfer

An instant transfer

Zero-cost Standard Transfers

If you’ve linked a bank account to your PayPal business or personal account, then you don’t have to pay a transfer fee. Transfers typically take one to three business days to be deposited. If you opt to complete a transfer on a weekend or holiday, it may take slightly longer for the money to show up in your account.  

Costs for Instant Transfers

With Instant Transfers, you can transfer money from your business or personal account to your bank account or debit card in a matter of minutes. Keep in mind that transfers can take up to 30 minutes depending on your bank, and you do have to pay an additional fee for this service. The cost to use Instant Transfer is 1 percent of the total amount you transferred, up to a maximum fee of $10.

Eligibility requirements for transfers

Both standard and Instant Transfers require a linked and eligible bank account. Your bank is eligible if it’s part of the Clearing House Real Time Payments program. If you’re transferring funds to a linked debit card using Instant Transfer, your debit card must be a Visa or Mastercard to be eligible. You can transfer to whichever linked account (bank or debit card) that you choose. Keep in mind that there could be a delay in your transfer if it’s subject to review, submitted after 7 p.m. Eastern time, and on weekends or holidays.

PayPal business account vs personal account withdrawal limits

If your business chooses to use Instant Transfer for your PayPal business account, there are withdrawal limits based on account type. Check out the withdrawal limits below:

Withdrawal limit type Withdrawal limit amount Business account or bank By transaction $50,000 business account By transaction $25,000 bank By day $100,000 business account By week $250,000 business account By month $500,000 business account

If you want to use Instant Transfer for your PayPal personal account, below are the withdrawal limits on your debit card and bank:

Withdrawal limit type Withdrawal limit amount Personal debit card or bank By transaction $5,000 debit card By transaction $25,000 bank By day $5,000 debit card By week $5,000 debit card By month $15,000 debit card

PayPal business account fees vs personal account fees

Opening a PayPal business account or personal account is free, unless you choose to upgrade your account. There are no startup costs, termination fees, or monthly maintenance fees for the standard version of these accounts. The main difference between the two are the transaction fees. A business account will incur charges based on standard transaction fees and fixed fees from selling products or services online or in-store. A personal account, on the other hand, charges transaction and fixed fees in the U.S. and internationally when you receive money from someone who uses a credit card, debit card or PayPay Credit. A personal account won’t charge fees if you receive money from someone using a linked bank account, PayPal Cash, or a balance from PayPal Cash Plus.

Payment method Location Fees  Fixed fee amount PayPal Cash or PayPal Cash Plus U.S. waived none Credit card, debit card, or PayPal Credit U.S. 2.9% of the total amount  $0.30 USD PayPal balance or linked bank account International 5% of the amount sent, from $0.99–$4.99 USD none Credit card, debit card, or PayPal Credit International 5% of the amount sent, from $0.99–$4.99 USD, plus 2.9% of the transaction amount from a specific payment method varies by country

Also, transferring your money to your bank from a business account or a personal account is typically free, unless you use Instant Transfer. In this case, the withdrawal limits differ depending on whether you have a business account or a personal account. The cost to buy in the U.S., however, is always free for either account type.

Frequently asked questions about PayPal business account fees

How much does it cost to start using my PayPal business account? It’s completely free to get started. There are no startup costs, monthly fees, or termination fees. What are the minimum fees I should expect to pay for my PayPal business account? You should expect to pay the standard transaction fees for online and in-store transactions in the U.S. and internationally, and any fixed fees for the respective country. Find out more from the breakdown of costs above. When doing business internationally, are there currency conversion costs involved? Yes. You will be charged an additional 3 percent for currency conversions and a 1.5 percent fee if you receive payments from a different country. How much does it cost to transfer money from my PayPal business account or personal account to my bank or debit card? For a standard transfer, there are no costs. For Instant Transfers, which can give you access to your funds in as little as 30 minutes, the cost is 1 percent of the total amount you transferred, up to a maximum fee of $10. Keep in mind that there are withdrawal limits for your business account and personal account if you’re using Instant Transfer.

How to set up a PayPal business account

Ready to start accepting payments for your business with a PayPal business account? You can get up and running in just a few easy steps. Here is a step-by-step guide to help.

Setting up a PayPal business account

Ready to start accepting payments for your business with a PayPal business account? You can get up and running in just a few easy steps. Here is a step-by-step guide to help.

Setting up a PayPal business account

First, make sure you have an email set up with PayPal. If not, click Sign Up to get started. Remember, signing up for a PayPal personal or PayPal business account is free.

Next, you’ll be asked what type of account you want to set up. Select Business Account and click Next.

On the next screen, you’ll be asked to enter the email address you want to use to set up your PayPal business account. Enter the email you want to use, and then click Continue.

After you enter the email address, create a password. Your password must be at least eight characters and contain at least one number and symbol.

After you set up a password that meets the requirements, you’ll be taken to a screen that says, Tell us about your business. Here, you’ll provide more information about your business, such as the business contact’s name, the business name, and the business address.

You’ll also be asked to agree to an E-communication Delivery Policy, a User Agreement, and a Privacy Statement. Once you’ve read through these documents and are ready to continue, check the box and click Agree and Create Account.

On the next screen, you’ll be asked to describe what type of business you have. You can select from a dropdown list. Depending on the business type, you may be asked for additional information, such as product or service keywords, monthly sales, website, and employer identification number.

Based on the information you give, you may be asked if you want to receive a PayPal Business Debit Mastercard, which allows you to quickly and easily access money in your PayPal account much in the same way you would access money from a typical bank account. This card has no annual fee once you’ve received at least $250 in payments. You can use the card balance anywhere that has the Mastercard logo and get 1 percent cash back each month on select purchases. Click on the box if you would like to receive this account offer, or unclick it if you don’t want it, and then click Continue.

Next, you’ll be asked to provide some personal information to set up your account, including the last four digits of your social security number, your birth date, and your home address. PayPal won’t perform a credit check based on this information. After you’ve added all of your personal information, click Submit.

Once you’ve submitted your information, your PayPal business account is set up and ready to use. You’ll be taken to a page to select from a range of features you can use for your account.

For example, you can request or send money, send an invoice, set up recurring payments for your business, or take advantage of services like PayPal Checkout to accept payments online. You can also set up your account to accept card reader payments if you’re mobile, in store, or using the PayPal Here sales tracker app. Finally, you can connect to an online marketplace with PayPal already built in to accept payments that way.

How to upgrade or downgrade a PayPal business account

Upgrading to a PayPal business account is beneficial for e-commerce businesses that want to customize and enhance the shopping and checkout experiences for their customers. You can upgrade your personal account to a business account in just three easy steps. However, it can take a bit longer to downgrade your business account to a personal account because this has to be done manually.

Upgrading to a PayPal business account

If you prefer, you can have multiple PayPal accounts: a personal and a business account, but you have to use unique emails for each account.

If you’d like to use your PayPal personal account email to upgrade to a PayPal business account, follow these steps:

On the login page, select Sign Up, choose the Business Account option, and then click Next. After you complete your personal account login information, you’ll be asked if you want to switch your current personal account to a business account. Select Use your current email to switch to a business account, and then click Next.

On the next page, you’ll be asked to fill out your business information and then agree to the terms and conditions.

Once you’ve done this, you’ll go through the same steps as in the How to set up a PayPal Business account section.

Upgrade PayPal business account options

There are two primary PayPal business accounts to choose from. One is free, and one charges a monthly fee.

Standard

This account is free, accepts all major credit card and debit card payments, accepts PayPal payments, and allows customers to pay over time if they choose. There is no monthly fee.

Payments Pro

This account has a monthly fee of $30. PayPal Payments Pro includes all the features of a standard account but allows you to customize your customer’s checkout experience and to integrate with your established shopping cart.

Downgrading a PayPal business account

If you’d like to convert your PayPal business account to a personal account, you’ll need to contact a PayPal customer service representative directly. Changing your PayPal business account to a personal account can only be done manually.

How to delete and close a PayPal business account

There are plenty of reasons you might delete and close your PayPal business account. For example, if

Your account has been compromised and must be shut down to protect your information

You’re no longer in business and don’t plan to use the account anymore

You want to create a new account with a different email address

You want to use a different business account

Whatever the reason, you can delete and close your account in just a few easy steps.

The first step is logging into your account and transferring any remaining balances from your PayPal business account to your bank. If you request a check, you’ll be charged a processing fee of $1.50.

Next, download any data you want to keep. For example, you may want to download your transaction history from the Activity tab or your financial statements and summaries from the Reports tab. Once you delete and close your account, you won’t be able to access this information anymore. Make sure to download anything you don’t want to lose.

Once you’ve transferred any remaining funds to your bank and downloaded the data you want to keep, click on the gear icon on the far right-hand corner and choose Account Settings from the dropdown menu.

On the Account Settings page, there will be three options under the Account & Security menu on the left-hand corner. Click on Account preferences.

At the bottom, where it says Account type, click the Close account link. Once you click on this link, you’ll be redirected to a page that informs you that closing your account is final and that all your history will be lost. If you agree to these terms, click Continue.

Finally, you’ll be asked to provide up to three reasons why you’re closing your account. Once you’ve made your selections and added any comments, click Continue.

PayPal will ask you to confirm that you’re closing your business account one last time. If you’re certain this is what you want to do, click Confirm, and your business account will officially be deleted and closed. You’ll no longer be able to access it.

Within the next 24 hours, you should receive a confirmation email from PayPal that says your account has been permanently deleted and closed.

How to use JotForm to sell products and collect payments

Now you have all the facts, and perhaps you’ve settled on a PayPal business account as your PSP. Maybe you’ve set up your account, and you’re ready to start watching your bottom line grow.

Alternatively, you may still be deliberating or comparing options. Regardless of where you are in the decision-making process, it’s important to remember that having the power to collect payments is only one small piece of the puzzle.

Another critical element is creating the infrastructure that will allow you to effectively market and sell your products and subscriptions, or collect donations and raise money online. This may feel especially intimidating if you’re not particularly web savvy.

Similarly, if you’re a microbusiness with limited resources or a nonprofit that’s always battling against time, you may not have much time to spare setting up an e-commerce site or learning the ins and outs of website development and design.

The good news is that JotForm offers a form building solution that makes it as easy to sell products as PayPal makes it to collect payments. The even better news is that you can create a PayPal payment form with JotForm, so it’s incredibly simple to get your goods in the hands of your customers and get paid!

This option is particularly useful for charities and organizations accepting donations, anyone putting on events, order-based businesses, DIY entrepreneurs, and even professional services providers. Truth be told, any business — big or small — can use JotForm’s easy online Form Builder to create order forms, recurring subscription forms, membership forms, and more in only a couple of clicks.

Then it’s just a matter of selecting either the appropriate PayPal Personal,  PayPal Business, or PayPal Invoicing option from the Form Elements section in the JotForm Form Builder and completing the steps that follow.

JotForm not only makes it a snap to start selling your goods and services, but the uber popular form builder also doesn’t charge any extra transaction fees. PayPal’s standard fees apply as normal. The only fees you pay JotForm are for your account, unless you’re on a free plan.

And if that’s not enough to pique your interest, here are a few other great reasons to consider using a JotForm-PayPal business account integration to start selling and collecting payments:

It’s flexible. JotForm gives you the ability to collect everything from payments for products with a specific price to recurring subscriptions to custom donation amounts.

It comes at no cost. Not only does JotForm forego charging any additional transaction fees, the platform also offers a free account option that gives users the opportunity to accept 10 payments per month on the house. If you plan on accepting more, you can opt for any of the other JotForm plans.

It’s as easy as 1-2-3. Anyone and everyone can use JotForm’s drag-and-drop Form Builder to put together nearly any kind of form. It’s beyond simple.

No technical expertise needed. No code know-how required. You don’t need development knowledge to use JotForm, and thanks to the platform’s super robust Help section, even if you do run into a problem, there are resources and support available to give you the guidance you need.

Thousands of templates. Among their 10,000 form templates, JotForm has templates made just for PayPal.

End-to-end customization. From adding your own branding to uploading an image to make your form look friendlier, JotForm’s Form Builder makes it a breeze to customize templates. And if you do have some engineering skills, you can even add CSS to create the kind of forms your customers or donors will love.

PCI compliance. When the risk of cyberattacks and fraud seem to be increasing daily, customers want to know your website is secure. JotForm provides both your business and the people supporting it with the highest level of security protection.

[ellenesh-blog]

But cool out here in Minnesota

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Discover TOP 9 Best eCommerce Website Builders

The world eCommerce market is witnessing an unprecedented fierce race between big companies like Amazon, Shopee, Lazada, etc. Individuals, SMEs, and large corporations are heavily investing in online sales channels. In this article, CO-WELL will review the top 8 best-rated eCommerce website builder, helping you to decide which one is right for you.

  1. Magento – The best eCommerce website builder for a large e-commerce store

Magento is a feature-rich, professional open-source eCommerce website. It was launched on March 31, 2008. Magento was once owned by the eBay group. But thanks to its fast and considerable development, Magento has reached out of the reach of eBay and gradually became the platform that is considered the most outstanding with its continuous development and changes over the years.

This eCommerce platform offers many outstanding features. You can manage stores that are operating in many countries with different market targets and brands with different pricing, content and payment systems from a single installation.

Currently, Magento has developed to version 2.2.6 and has 2 versions including:

Magento Community Edition – Magento version is completely free.

Magento Enterprise – The professional version of Magento integrates the most powerful features for large enterprises.

Pros:

Large user community. Over 25% of online businesses in the world choose Magento as their platform

Users have full ownership of the software.

Rich features and a large number of utilities: Support multiple currencies and tax calculator; Integrate most payment gateways you want.

Thousands of Magento extensions to meet your requirements.

Magento has been trusted and used by thousands of big names like CocaCola, Samsung, Christian Louboutin, Levi’s, etc. It is enough to see this eCommerce platform that can solve sales problems, marketing and how big a business is.

Cons:

Difficult to use and time-consuming if you do not have the technical knowledge.

High prices. The enterprise version costs up to $18,000.

Expensive setup and maintenance fees: Need to buy hosting, themes, extensions, etc.

CO-WELL – TOP Magento E-Commerce Service Company

Of course, you can considerably save up on the Magento development costs if you’re tech-savvy or have an in-house IT department. However, Magento is quite a sophisticated platform that requires solid programming skills and a thorough understanding of its peculiarities. Customization of the platform and its integration with third-party systems and services might become a tough task for an inexperienced developer. Thus, hiring a professional Magento development company is an optimal way to achieve successful and fast delivery of an e-commerce store. From 2018, CO-WELL Asia officially became Magento Business Solution Partner. With all the experience and a team of hundreds of skillful IT engineers, CO-WELL Asia is a truthful partner of every company that wants to build an effective Magento eCommerce website.

  2. Shopify – The most convenient e-commerce website builder for large online stores

Shopify launched in June 2009, now has more than 600,000 online stores and handles the volume of merchandise valued USD 55 billion. Shopify is used by all types of people, from small to medium entrepreneurs to multi-million dollar businesses. Shopify provides the platform in the form of SaaS (Software-as-a-service), that is, the core system and the platform are hosted on Shopify’s own system. One of the things users love most about Shopify is that it support integrate SEO into the system. You can easily add Meta title, Meta Description, Alt text tags to each article, product or collection easily. In addition, you can integrate Google Analytics and Search Console to optimize SEO.

Shopify offers a 14-day free trial on sub-domains. To start a business, you must sign up for one of the paid plans. There are currently 3 paid versions:

Basic Shopify ($29 monthly): All the basics for starting a new business.

Shopify ($79 monthly): Everything you need for a growing business.

Advanced Shopify ($299 monthly): Advanced features for a scaling your business.

Pros:

Sell across multiple channels, including Facebook, Instagram, Amazon, and eBay.

Brilliant inventory system which helps you manage your store.

Various sales features and customer score.

There are hundreds of theme templates suitable for each industry.

There is an App Store – where you can choose for your website functions to customize.

24/7 support: Shopify provides hotline, email and live chat support.

Cons

The transaction fee for each sale (Unless using Shopify Payment).

Monthly maintenance cost.

Knowledge on Liquid is required.

Content doesn’t automatically reformat if you switch to a different theme.

CO-WELL – TOP Shopify E-Commerce Service Company

Like Magento, building a professional online store on the platform of Shopify require a professional Shopify integration partner if you do not have an in-house IT department. Hiring an experienced IT company is an optimal way to achieve successful and fast delivery of an e-commerce store. With significant experience in building enterprise systems which manage more than 200 stores, over 20 million products and handle around 10,000 orders each day, CO-WELL Asia offers consulting and development services for all-level of eCommerce systems.

3. BigCommerce – Excellent platform for big e-commerce store but weaker website design  

BigCommerce is a top eCommerce platform which allows you to create an online store. It lets you set up your store, add products, and make money through your website.

But that’s not all. BigCommerce is a specialized eCommerce builder, meaning it’s designed to help you sell online. With tons of built-in features, data tools, and more, BigCommerce is best for large or fast-growing businesses. 

Like Shopify, BigCommerce provides the SaaS platform. It is an online store software, integrated directly with Google Merchant Center, which allows users to promote their products on Google Shopping.

BigCommerce currently offers 4 paid plan:

Standard: $29.95/month.

Plus: $79.95/month.

Pro: $249.95/month.

Enterprise: Depend on requirements and needs.

Pros:

Most scalable eCommerce platform.

Integrating with major payment gateways such as Stripe, PayPal, Apple Pay, etc.

Lots of marketing tools including the ability to sell on multiple platforms such as Amazon Marketplace, Facebook, eBay, Pinterest, etc.

Integrate with many email service providers.

Strong security system.

Support different currencies.

Integrated dropshipping & warehouse.

Rich theme resource which is fully mobile responsive.

Excellent SEO tool.

Cons:

Complex terminology is unsuitable for beginners.

Maintenance costs are expensive for individuals.

No mobile app to run your store on the go.

Some advertised features are only available to US users.

BigCommerce operates mainly in Europe – America market and is not really popular in Asia.

4. WooCommerce

Unlike the other platforms in this article, WooCommerce is not an independent eCommerce website builder. It is the plugin that runs on WordPress, the world’s most popular CMS.

WooCommerce is an extremely powerful tool that significantly increases eCommerce functionality for WordPress. It is a favorite tool for many people in the WordPress community, as it is powerful and beginner-friendly. Moreover, it has its own extension section to help your store take the lead in the web world.

WooCommerce can handle many basic tasks, from publishing products to selling goods to processing payments. Moreover, you can add functionality to this plugin with separate extensions. There are hundreds of such extensions. For example, there are options that help you integrate almost every payment processor into.

There are three WooCommerce pricing plans to choose from:

Starter: $13.99 (Webspace limited to 100 GB)

Plus: $17.99 (Unlimited space for your WooCommerce store)

Pro: $31.99 (Includes an advanced backup solution)

Pros:

Use WordPress CMS to deploy your online store.

Customize your store easily with a vast selection of WooCommerce’s own plugin and extensions, which can make your online store even more powerful.

Various theme resources with eye-catching designs.

Supported by a huge community of WordPress users.

Cons:

Only works on WordPress.

More advanced features often require different extensions.

Lack of support: Unlike Shopify, you will not have central support. Every theme, plugin, and hosting come from different support channel.

  5. WIX.com – A good choice for small boutique online stores

Wix eCommerce uses the easy and intuitive drag-and-drop editor, allowing you to build your very own eCommerce website. No need for coding, hosting, or stressing – simply pick your template, customize it by dragging and dropping elements like text boxes and images around your pages, and then hit publish!

There are three Wix eCommerce plans to choose from:

Business Basic:  $17/month

Business Unlimited: $25/month

Business VIP: $35/month

Pros: 

Really easy to use – no tech skills needed. Features-Packed Drag & Drop Editor.

Value for money.

Lots of creative control and eye-catching design– you can design your store, add product videos, and more.

Advanced eCommerce tools – including abandoned cart recovery to catch customers who have left items in their checkout.

Excellent SEO tool.

Cons:

Less powerful inventory than other platforms – for example, you can’t bulk upload products with Wix.

No stock management alerts – Wix won’t tell you when levels are running low, making it difficult to scale.

Doesn’t support multichannel selling.

  6. Volusion – Better design, great for sales and reporting, but a little hard to use.

Volusion was created in 1999 and is one of the oldest eCommerce website builders around. Volusion provides no illusions when it comes to data reports. Everything you need for tracking your site’s performance and progress is in one place – it’s a data lover’s dream.

This makes it ideal for growing your business at a pace that suits you. Volusion’s data tools let you measure how successful your pages are, so you can easily adjust your site to improve your sales.

Volusion scored poorly for its website features – the main problem being that Volusion doesn’t offer any blogging tools. Blogging can play an important part in the growth of small businesses, so this is a major drawback. However, if you want to grow your business, Volusion is a decent place to start.

There are 4 Volusion price plans to choose from:

Personal (USD 29/month).

Pro (USD 79/month).

Business (USD 299/month).

Prime (Custom).

Pros:

Supports numerous payment gateways – choose from various options to suit your business.

Insightful data reports – learn what you’re doing well by easily tracking your site’s performance.

Mobile app: Volusion lets you manage your online store from your phone with its excellent mobile app

Cons:

No blogging tools.

Very difficult to use – you’ll have to spend some time building your store with Volusion.

No real unique selling point.

7. Weebly – Help you to have a good website, but lacks some sales features

Weebly is one of the best drag-and-drop website builders on the market today. Not only are there plenty of options available, but Weebly eCommerce is also one of the easiest platforms to use for building your own online store.

There are 3 Weebly plans for online stores to choose from (billed annually):

Pro (Group & Organization): USD 12/month. 

Business (Small Businesses & Stores): USD 25/month.

Business Plus (Power Sellers): USD 38/month.

Pros:

Reasonable price, with notably cheap starter prices.

Really easy to use – no tech skills needed.

Offers great additional features such as blogging tools.

Cons:

Cannot sell across multiple channels (You can’t sell across Facebook, Instagram, or Pinterest)

Lacks big data tools such as inventory management, making it unsuitable for large businesses

Unable to customize the checkout page

Poor sale features. That’s why we recommend it for small businesses only selling a few products.

8. Squarespace – Designed as a website builder, Squarespace is also a great e-commerce platform.

If you’re looking to build an eye-catching portfolio or online business, then make space for this platform. Why? Because Squarespace stores stand out.

In our research, Squarespace outperformed all other e-commerce website builders when it came to designing. Its templates are modern, sleek, and built to show off your products. You can even switch your template any time you like – perfect for any rebrands you might have down the line.

There are 4 Squarespace price plans for online stores to choose from (billed annually)

$12/m – Personal.

$18/m – Business Most Popular.

$26/m – Basic Store.

$40/m – Advanced Store.

Pros:

Exceptional website design options.

Cheaper than e-commerce competitors.

Excellent social media integration – easily promote your store across your various social channels.

Easy to use.

Cons

Lacks payment options – you can only use Stripe, PayPal, or Apple Pay.

Poor support multichannel selling (only through Instagram).

Reporting is a little basic.

No app market – all of Squarespace’s features are built-in. While this ensures quality, it means you can’t add extras to your store.

9. GoDaddy – Easiest to use

GoDaddy’s website builder, GoCentral, can help you get your eCommerce store up and running in a flash.

Through the use of ADI (Artificial Design Intelligence), creating a layout, uploading your products, and managing your sales has never been easier!

There are 3 Squarespace price plans to choose from (billed annually)

Basic: $10/month

Standard: $15/month

Premium: $20/month

ECommerce: $25/month

Pros:

Fastest and easiest to build – GoDaddy uses ADI to make building your store as simple as possible.

Supports more industries than its competitors – whether you’re a photographer, writer, or dog walker, GoDaddy’s got you covered.

Great marketing tools for email campaigns and performance analysis

Cons:

Some features lack quality – GoDaddy doesn’t have the best features around.

Can’t sell products across social media directly

Limited creative control – what you gain in speed, you lose in creative freedom.

Nowadays, creating an online store is easier than ever. The best eCommerce platform above will help you quickly create an online store that runs and operates in just a few hours. A good platform for your online store with a partner to help you to integrate and develop eCommerce system will ensure the success of your business.

Bài viết Discover TOP 9 Best eCommerce Website Builders đã xuất hiện đầu tiên vào ngày Cowell Asia.

source https://co-well.vn/en/tech-blog/discover-top-9-best-ecommerce-website-builders/

[verycreatorsuit-blog]

Landlord’s know-it-all guide to Security Deposit and Damage Recovery

You own a house and want to rent it out. A landlord’s position and responsibilities are no less complex than that of a tenant. By that virtue having a property to rent in Singapore or finding a suitable tenant for your house comes with its own set of hiccups.

One of the most common sources of the tenant-landlord dispute is calculating or quantifying the rental property damage and its recovery from the tenant at the end of the tenancy.

Although “Renters Insurance” will shield you from most disputes, in this article we share best practices, possible scenarios of damages and applicable charges to help you landlords have no tenant horror stories or unpleasant experiences.

Be Professional

Being professional is the first step in being a good landlord.

To have good tenants, you need to ensure that you are professional in your approach; And this starts at an early stage of your Tenant-landlord relationship.

Showcasing actual premise pictures while advertising your house to your prospective tenants,

Including reasonable yet through and clear terms and conditions in the tenancy agreement,

Doing your due diligence and perform a detailed background check to pre-empt any legal hassles. Ensuring a smooth move-in process and

Most importantly engaging and initiating a personal connection with your tenants can go a long way!

Dependable and trusted tenants would ensure that you have minimum disputes and even if you do have them, they are amicably solved.

Tenancy Agreement Clauses and inclusions to safeguard and set precedence over most disputes

1. Digital Proof of all items in your property

Ideally, take pictures and/or video of the property, including all white goods. Convert these into an inventory list of items allowed to use during the tenancy period and get it signed off by the tenants during the hand over process.

In case of unforeseen circumstances, these photos and videos will come in handy to initiate or mitigate legal proceedings in property damage recovery disputes.

Typically physical or digital evidence as such helps answer some of the standard legal questions such as:

Are you able to show the condition of the premises when the tenancy started and how it compares when the tenancy ended?

Do you have evidence that the damages were caused by the Tenant?

If there were damaged or missing items, do you have evidence to show that the rectification/replacement cost is reasonable?

Have you taken into account fair wear and tear when claiming compensation for the damage to the property?

Here is a list of items and their probable maintenance costs that you can claim from your tenants in case of more than the usual wear and tear:

General cleaning of the house (S$300-S$400)

Furniture Maintenance and Repair (S$200-S$300)

Electrical Items (S$100 and above – depends on how old or new was your appliance)

House painting (S$1500 and above – depends on the size of your unit)

Floor cleaning (S$4 per square feet)

Removing abandoned furniture (S$100-S$300)

The prices given are indicative in nature and should be validated by your preferred contractor to estimate the damage.

In most cases as a landlord and going by the standard agreement and tenancy law, you can use the tenant security deposit to recover the property damage costs.

2. Minor Repair & Other Maintenance Clause

This clause mentions the minor damages to the rental property that occurs due to the usual wear and tear over a period of the tenant occupation of the property including any replacements to the premises or furniture up to a certain limit

The existing expense range is between S$150 to S$300 and states any expense above and beyond this needs a landlord’s approval.

Depending on how detailed is your clause, as a landlord, you can reserve the right not to pay to repair the damage which was caused due to the tenant’s own negligence and also include your preferred vendors for repair if any.

Do make sure you define or mutually agree with your tenant on what constitutes “normal wear & tear and beyond” before filing your claims.

Having said that, it is always advisable to be humane and prompt in dealing with repairs or replacements of any quantum within a reasonable limit thus maintaining a healthy relationship and avoid disputes.

3. Clear Rent (or Utilities, if applicable), miscellaneous fees payment schedule.

A typical rental agreement states clearly “when” in terms of number of days (usually first 7 days of the month) and how much rent is due each month.

The tenant is obligated to fulfil these conditions stipulated in the contract.

However, there might be certain exceptions where the tenant may fail to meet the time deadline due to personal or business reasons.

While it is advisable to be considerate in lieu of a genuine cause, a clause stating a penalty charge or interest on recurring instances always helps.

The standard interest rate is 12% to 20% per annum of the outstanding amount.

Do note as a landlord you are liable to give written notice to your tenant as a best practice and keep your tenant informed about any bank account number change for all payments immediately.

4. Access to your premise Clause.

A standard agreement always has several “Access to Premises” clauses, allowing you to enter the premises for a minor repair, viewing arrangements especially at the end of the tenancy tenure or selling of property.

Best practice will be to agree on a mutual time for viewing arrangements and/or keep an open communication and respect each others time and judge the need of the hour to execute your stated purpose.

5. En-Bloc Clause

The En-Bloc clause can only be exercised by you as a landlord. Unlike most other clauses, this one serves to protect your interest when your development (the whole condominium) go on sale and you need to end the lease prematurely without having to compensate the tenant.

Although as always, the best practice is to include a notice period and be considerate in your approach.

6. Diplomatic Clause and Reimbursement Clause (Early Termination of Lease)

With Diplomatic clause be sure to include a Reimbursement Clause.

Let’s start with definitions.

A typical Diplomatic clause states “Provided the Tenant has occupied the premises for a minimum period of TWELVE (12) months, the Tenant may exercise the diplomatic clause by notifying the Landlord TWO (02) calendar month notice in writing of the Tenant’s intention to terminate the Tenancy or TWO (02) month rent in lieu of such notice if the occupier of the premises and employee of the Tenant shall be required by the Tenant to leave Singapore permanently on a job transfer or if the said occupier’s employment with the said Tenant is terminated for any reason whatsoever. Provided always that the documentary evidence shall accompany the written notice providing the event relayed up by the Tenant in the said written notice. Any pre-mature termination that does not satisfy the conditions to exercise the Diplomatic Clause will result in forfeiture of the Security Deposit, and the Landlord will reserve the rights for further compensation.”

This simply put protects your tenant in case they lose their job or need to terminate the tenancy agreement mid-term.

Reimbursement Clause allows you as a landlord to share the loss of mid-term tenancy termination by recovering the agent’s (in case you have engaged one) commission in prorated value.

We are Truuue charge the lowest fee in the industry (S$99/successful transaction) if you close your tenancy with us. We reckon this will be your biggest salvage in eventful circumstances of early lease termination.

7. Tenancy Renewal Clause

This is an important one, especially if you have found a keeper!

Add it to your TA to enable your tenant to extend the lease for another term (usually a year) with a two-month prior notice.

Once mutually agreed, you can prepare a contract for extension based on the prior clauses. Grounds of negotiations always exist in any case with respect to rent as well as other conditions.

8. Dispute settlement

In situations, when a decent conversation, mediation or Alternative Dispute Resolution does not solve your difference, you may want to involve the Singapore Ministry of Law and its various associations to help parties like you in troubled times.

Consumer Association of Singapore (CASE), Singapore Mediation Center (SMC) and Community Mediation Centre (CMC) are some of the groups that help resolve landlord/tenancy disputes. You can always approach the SMALL CLAIMS TRIBUNALS if you are planning legal action.

Under the Ministry of law CSC is a less formal conflict resolution body and it only costs $5 from the complainant, while SMC needs each party to pay a non-refundable filing fee of $267.50 (inclusive of GST) for administrative and support services alone, above and beyond the mediation fees (Starts from S$963 to S$4601).

We at Truuue believe transparency and mutual trust are key to ensuring a hassle-free and pleasant experience and encourage all to be safe yet cautious when renting your apartment.

Of course, you can always “Don’t Worry – Rent Happy” with Truuue and benefit from our excellent customer service, home service facilities and insurance which comes along without any extra cost.

We are Truuue-ly about U, U and Only U!

Looking to rent? Truuue Tenant (also known as TRUrental Tenant) is a new generation prop-tech platform which can help you find a property on rent in Singapore as easily and painlessly as possible. Download our Truuue Tenant App here! Best of all, NO AGENT FEES! Same for the landlord!

Original Content available at https://blog.truuue.com

[naomileeblog-blog1]

Landlord’s know-it-all guide to Security Deposit and Damage Recovery

https://blog.truuue.com/singapore-landlord-security-deposit-and-damage-recovery/

You own a house and want to rent it out. A landlord’s position and responsibilities are no less complex than that of a tenant. By that virtue having a property to rent in Singapore or finding a suitable tenant for your house comes with its own set of hiccups.

One of the most common sources of the tenant-landlord dispute is calculating or quantifying the rental property damage and its recovery from the tenant at the end of the tenancy.

Although “Renters Insurance” will shield you from most disputes, in this article we share best practices, possible scenarios of damages and applicable charges to help you landlords have no tenant horror stories or unpleasant experiences.

Be Professional

Being professional is the first step in being a good landlord.

To have good tenants, you need to ensure that you are professional in your approach; And this starts at an early stage of your Tenant-landlord relationship.

Showcasing actual premise pictures while advertising your house to your prospective tenants,

Including reasonable yet through and clear terms and conditions in the tenancy agreement,

Doing your due diligence and perform a detailed background check to pre-empt any legal hassles. Ensuring a smooth move-in process and

Most importantly engaging and initiating a personal connection with your tenants can go a long way!

Dependable and trusted tenants would ensure that you have minimum disputes and even if you do have them, they are amicably solved.

Tenancy Agreement Clauses and inclusions to safeguard and set precedence over most disputes

1. Digital Proof of all items in your property

Ideally, take pictures and/or video of the property, including all white goods. Convert these into an inventory list of items allowed to use during the tenancy period and get it signed off by the tenants during the hand over process.

In case of unforeseen circumstances, these photos and videos will come in handy to initiate or mitigate legal proceedings in property damage recovery disputes.

Typically physical or digital evidence as such helps answer some of the standard legal questions such as:

Are you able to show the condition of the premises when the tenancy started and how it compares when the tenancy ended?

Do you have evidence that the damages were caused by the Tenant?

If there were damaged or missing items, do you have evidence to show that the rectification/replacement cost is reasonable?

Have you taken into account fair wear and tear when claiming compensation for the damage to the property?

Here is a list of items and their probable maintenance costs that you can claim from your tenants in case of more than the usual wear and tear:

General cleaning of the house (S$300-S$400)

Furniture Maintenance and Repair (S$200-S$300)

Electrical Items (S$100 and above – depends on how old or new was your appliance)

House painting (S$1500 and above – depends on the size of your unit)

Floor cleaning (S$4 per square feet)

Removing abandoned furniture (S$100-S$300)

The prices given are indicative in nature and should be validated by your preferred contractor to estimate the damage.

In most cases as a landlord and going by the standard agreement and tenancy law, you can use the tenant security deposit to recover the property damage costs.

2. Minor Repair & Other Maintenance Clause

This clause mentions the minor damages to the rental property that occurs due to the usual wear and tear over a period of the tenant occupation of the property including any replacements to the premises or furniture up to a certain limit

The existing expense range is between S$150 to S$300 and states any expense above and beyond this needs a landlord’s approval.

Depending on how detailed is your clause, as a landlord, you can reserve the right not to pay to repair the damage which was caused due to the tenant’s own negligence and also include your preferred vendors for repair if any.

Do make sure you define or mutually agree with your tenant on what constitutes “normal wear & tear and beyond” before filing your claims.

Having said that, it is always advisable to be humane and prompt in dealing with repairs or replacements of any quantum within a reasonable limit thus maintaining a healthy relationship and avoid disputes.

3. Clear Rent (or Utilities, if applicable), miscellaneous fees payment schedule.

A typical rental agreement states clearly “when” in terms of number of days (usually first 7 days of the month) and how much rent is due each month.

The tenant is obligated to fulfil these conditions stipulated in the contract.

However, there might be certain exceptions where the tenant may fail to meet the time deadline due to personal or business reasons.

While it is advisable to be considerate in lieu of a genuine cause, a clause stating a penalty charge or interest on recurring instances always helps.

The standard interest rate is 12% to 20% per annum of the outstanding amount.

Do note as a landlord you are liable to give written notice to your tenant as a best practice and keep your tenant informed about any bank account number change for all payments immediately.

4. Access to your premise Clause.

A standard agreement always has several “Access to Premises” clauses, allowing you to enter the premises for a minor repair, viewing arrangements especially at the end of the tenancy tenure or selling of property.

Best practice will be to agree on a mutual time for viewing arrangements and/or keep an open communication and respect each others time and judge the need of the hour to execute your stated purpose.

5. En-Bloc Clause

The En-Bloc clause can only be exercised by you as a landlord. Unlike most other clauses, this one serves to protect your interest when your development (the whole condominium) go on sale and you need to end the lease prematurely without having to compensate the tenant.

Although as always, the best practice is to include a notice period and be considerate in your approach.

6. Diplomatic Clause and Reimbursement Clause (Early Termination of Lease)

With Diplomatic clause be sure to include a Reimbursement Clause.

Let’s start with definitions.

A typical Diplomatic clause states “Provided the Tenant has occupied the premises for a minimum period of TWELVE (12) months, the Tenant may exercise the diplomatic clause by notifying the Landlord TWO (02) calendar month notice in writing of the Tenant’s intention to terminate the Tenancy or TWO (02) month rent in lieu of such notice if the occupier of the premises and employee of the Tenant shall be required by the Tenant to leave Singapore permanently on a job transfer or if the said occupier’s employment with the said Tenant is terminated for any reason whatsoever. Provided always that the documentary evidence shall accompany the written notice providing the event relayed up by the Tenant in the said written notice. Any pre-mature termination that does not satisfy the conditions to exercise the Diplomatic Clause will result in forfeiture of the Security Deposit, and the Landlord will reserve the rights for further compensation.”

This simply put protects your tenant in case they lose their job or need to terminate the tenancy agreement mid-term.

Reimbursement Clause allows you as a landlord to share the loss of mid-term tenancy termination by recovering the agent’s (in case you have engaged one) commission in prorated value.

We are Truuue charge the lowest fee in the industry (S$99/successful transaction) if you close your tenancy with us. We reckon this will be your biggest salvage in eventful circumstances of early lease termination.

7. Tenancy Renewal Clause

This is an important one, especially if you have found a keeper!

Add it to your TA to enable your tenant to extend the lease for another term (usually a year) with a two-month prior notice.

Once mutually agreed, you can prepare a contract for extension based on the prior clauses. Grounds of negotiations always exist in any case with respect to rent as well as other conditions.

8. Dispute settlement

In situations, when a decent conversation, mediation or Alternative Dispute Resolution does not solve your difference, you may want to involve the Singapore Ministry of Law and its various associations to help parties like you in troubled times.

Consumer Association of Singapore (CASE), Singapore Mediation Center (SMC) and Community Mediation Centre (CMC) are some of the groups that help resolve landlord/tenancy disputes. You can always approach the SMALL CLAIMS TRIBUNALS if you are planning legal action.

Under the Ministry of law CSC is a less formal conflict resolution body and it only costs $5 from the complainant, while SMC needs each party to pay a non-refundable filing fee of $267.50 (inclusive of GST) for administrative and support services alone, above and beyond the mediation fees (Starts from S$963 to S$4601).

We at Truuue believe transparency and mutual trust are key to ensuring a hassle-free and pleasant experience and encourage all to be safe yet cautious when renting your apartment.

Of course, you can always “Don’t Worry – Rent Happy” with Truuue and benefit from our excellent customer service, home service facilities and insurance which comes along without any extra cost.

We are Truuue-ly about U, U and Only U!

Looking to rent? Truuue Tenant (also known as TRUrental Tenant) is a new generation prop-tech platform which can help you find a property on rent in Singapore as easily and painlessly as possible. Download our Truuue Tenant App here! Best of all, NO AGENT FEES! Same for the landlord

Original Content is available here —https://blog.truuue.com/singapore-landlord-security-deposit-and-damage-recovery/

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Everything You Need To Know About Major Home Appliances

Whether you are designing a new home or are planning to renovate the old one; the chances are that you may need to buy or repair the home appliances. Even if we spend a huge amount on purchasing some of the best products for our living area; it is important to make efforts for time to time appliance repair to keep them in proper working condition. But the sad fact is that, in the busy life routines, we often forget to check the health of our home appliances and later it turns out to be a big cost of repair or replacement. In order to maintain all your appliances in good condition with healthy functionality, it is first important to collect some information about these products. The article below contains details about the major home appliances; go through the details to update your knowledge base.

Important appliances for every home

  Refrigerator:  

Some of the best refrigerator products in the market are priced somewhere around $800 to $4100 where the $800-$1400 range includes energy efficient, and space-saving designs, the $1200-$1800 is reserved for refrigerators with deep freezer storage system, and the $1800-$4600 range offers two full height door designs with refrigerator on one side and freezer on other. Space saving design: While buying a new fridge for home, it is important to look for a few specific features to choose the best product out of the competitors in the market. First of all, look for the right size that can meet your specific space requirement at home. The space expanding features must be selected accordingly. The latest motorized shelve designs allow users to pick the materials from the back with ease. The movable door bins and pullout shelves are also a luxurious addition to the design. Easy care and fast water dispensing: Most homeowners will be interested in picking easy care materials to ensure easy cleaning with their over occupied routines. Generally, the glass shelves are quite easier to wipe as compared to metal grills. Some appliances also contain specially designed water dispenser with an additional filter to prepare ice cubes. It helps to minimize chlorine and lead formation. Moreover, you will have to worry less about calling an appliance technician for repeated repair issues. Energy efficient unit: Other than this, buyers need to check the energy efficiency of devices to ensure long-term benefits. It is observed that the bottom freezers usually consume around 16% lesser energy when compared to the side by side models; however, the top freezers consume 13% less. Refrigerators with dedicated water dispenser are more suitable for every home as they help to save 14 to 20% energy. Fridge repair issues: There are three major refrigeration issues that are commonly reported by homeowners. The first and most common trouble is related to improper freezing or cooling process. The second common issue is related to strange noises coming out of the appliance, and the third issue is an improper function of the icemaker unit in the refrigerator. If you face any of these issues, it is better to find refrigerator repair near me as soon as possible. Don’t try to use do it yourself procedures to solve the trouble as a single mistake can lead to huge loss at a later stage. It is better to call appliance repair specialists to handle the trouble.   Washing Machine:  

The best easy to use top loaders can be easily found in the market with the price tag of $450 and more. The second common choice is front loaders with a price tag of $800 and more; these machines ensure 65% energy saving as compared to the top loader units. Some latest energy efficient designs of top loader units are now available at $1000 or more. Heating cycle: It is important to look for the washer that heats only necessary amount of water instead of consuming lots of energy to heat up the whole tank storage. They can ensure better performance for the long run while saving more on monthly bills. You will also be able to save more on appliance repair in Ottawa. Speedy spin cycle: The rule of thumb says that faster spin cycle ensures quick extraction of water from the machine and naturally the cloths will spend lesser time on the dryer. When you are more curious to invest in a washer with higher energy efficiency, it is good to look for high rpm rating. One can also think of choosing the latest sensor loaded designs where the moisture sensor ensures auto shut off as soon as the clothes become dry. Lesser water usage: You will be surprised to know that most of the washing machines make use of around 40-gallon water in every washing cycle. This amount is too high and leads to much wastage of water throughout the year. The best idea is to look for advanced units that consume less than 14-gallon water per cycle. It will be the best contribution to environmental safety. The extra rinse cycle: In case if your routine fight is against stubborn stains and lots of dirt on clothes; the extra rinsing cycle will be beneficial; especially if you have kids at home and need to get rid of irritating allergens from cloths. But this extra cycle comes with extra bills for water consumption; make a wise decision. Washing machine repair issues: One of the most commonly report appliance repair issue with washers these days is improper spinning that happens when the lid switch is either broken, or it is open during the spinning cycle. Some homeowner also reports that their machine causes lots of vibration during the spinning cycle; in most cases, it happens due to washer balancing issue. If you observe any of these problems, it is better to consult professionals for washing machine repair near me.   Dishwasher:

  The market is loaded with a wide range of dishwasher products, and they often vary in terms of special features. Generally, the entry-level designs are available with a price tag of $200 whereas the addition of few hidden controls can raise the price as high as up to $2000. Place settings: The most important feature of a dishwasher that every buyer needs to check is a number of place settings. It is commonly observed that dishwasher with the standard size tube can accommodate 12 five-piece plate settings with ease. Those who use it more frequently can think of buying the one with tall tubes that can handle up to 14 place settings. These machines are capable enough to wash large vases, stockpots, and cookie trays as well. Another great option for lesser space requirements is an 18-inch model that can handle 6 to 8 settings with ease; these dishwashers consume lesser water. The delay start mode: Some machines are also designed with delay start option that allows automatic switching of the dishwasher at a set time. You can even have one with insulated design or the advanced whisper quite capabilities to let it wash the utensils automatically without making noise when you are enjoying sleep on the bed. Such high-quality units will rarely force you to search for appliance repair near me. Space saving design: Not all kitchens are large enough to adjust the larger dishwasher machines. When you have the lesser area, it is good to look for a space saving design with large platters. Moreover, few machines are even designed with top racks that are removable and adjustable to different arrangements. Multiple wash cycles: You will be happy to know that the recently designed advanced dishwasher units allow users to make specific settings for different kind of utensils. You can switch to the sanitizing cycle to wash baby bottles, and the gentle cycle is more suitable for glassware. Few machines also posses steam cycle so that you can easily get rid of grime even while working on lesser water options. Dishwasher repair issues: Some homeowner’s complaint that their dishwasher do not clean plates properly; it generally happens due to overloading and to resolve this issue you have to reduce the load of dishes. In case if your machine creates a puddle of water in the surrounding area or makes use of too much soap; it is important to take help from dishwasher repair near me to bring your appliance to normal health. Another common issue with dishwashers is improper water drainage that is often resolved with a motor replacement. Only professional appliance repair team can tell you the right solution for such problems.   Dryer:  

Dryers are the first most requirement of homeowners in the season of heavy rain when clothes cannot dry outside. The market is loaded with a wide range of dryer designs where the vented clothes dryers are the top-rated choice with 100% green energy consumption. Another choice is condenser clothes dryers that are little expansive as compared to vented dryers but are considered as more versatile option for most users. The heat pump condenser dryers are another great option, and the technology is also getting cheap day by day. Last but not the least choice is gas dryers that make use of natural gas to handle your loads in routine. Automatic venting and ducting: You may need this system to ensure complete prevention from dripping walls as well as mold ridden ceilings. The automatic venting cycle ensures moisture free operation so that clothes can be dried more efficiently. However, some people also think of buying a separate vent kit. Mounting options: If your dryer can be mounted on a wall or can be placed at the top of the front-loading washer; it can help to save much space. Some manufacturers even send stacking kits so that the dryer can be easily attached to the washer of the same brand. Filters: In order to ensure efficient and risk-free operation, it is important to have a good quality filter in your machine. However, these additional arrangements need more appliance repair and maintenance to ensure proper work efficiency. Auto program: The most loved feature of new age dryers is their auto program that is more energy saving option and can prevent the risk of damage to clothes during the drying cycle. These machines can be a little expensive, but they ensure quality operation. Dryer repair issues: Homeowners report one common issue with their dryer machines; they take more time to dry the clothes. Well! It happens due to excessive build-up of lint. Sometimes your dryer may also start making some annoying noise, and it mostly happens due to drum rollers. You may need to call Dryer repair near me to handle this issue with right procedures.   Stove:

    There is no doubt to say that stoves are one of the essential appliances for every home. That is why most manufacturers these days are presenting some of the best designs at attractive price ranges to the buyers. However, buyers often get confused among so many designs and find it difficult to pick the best design for their home. You may need something to create a perfect combination with the aesthetics at your premises. Well! Your selection can become little easier if you know the pros and cons of all existing stove models in the market. Induction Cooktop: They are electric ranges with traditional exposed heating elements; these appliances support the electromagnetism principle to ensure a smooth and satisfactory operation. Note that they do not generate direct flames and are more energy efficient choice for every home. They are highly responsive to the temperature adjustments. Electric smooth cooktops: The actual heating element, in this case, is covered by the well-designed glass ceramic surface whereas the heat is generated using halogen lamps and steel coils. These appliances do not consume much energy, but they need regular cleaning to ensure proper operation. the only trouble with them is that they are susceptible to scratches. Electric coil cooktops: The traditional burner type cooktop models are capable enough to convert the electricity into heat through metal coils. They are one of the least expensive choices in the market and can be installed with ease. Gas cooktops: Here is another option for buyers that ensures quick heating as compared to the electric models. The flames, in this case, are visible, and these units are quite easier to monitor. But people often find them little difficult to clean. Stove repair issues: One of the most common troubles observed with gas cooktops or stoves is the sparking through gas burners without any flame. It demands immediate Stove repair near me. Some people also report improper heating of the appliance; in this case, you may have to take help from appliance repair specialists to replace the thermostat. Read the full article

[ssproblog]

Will Artificial Intelligence Become Part Of Our Daily Routine

The Answer Is Yes...It Already Has

When you think about artificial intelligence, it can bring about visions of science fiction movies with machines that take over the world. Is artificial intelligence (AI) is becoming more of a routine experience, similar to what owning a computer was like in the mid 90's? [caption id="attachment_4873" align="alignright" width="300"] Pixabay[/caption] Comparing AI, also known machine intelligence, to natural intelligence can be equated to a computer that has the ability to learn vs the human brain. The latter has the ability to process more than just data, but it is limited to constraints of how quickly the neurons can fire. These building blocks of the  human brain have the capability to fire 200 times per second and is a complex system that shows emotions and sensitivity. A computer, on the other hand, is basically inputs and predictable outputs that can process billions of cycles per second. So how will artificial intelligence become part of our daily routine? It already has, but it's more in the background for most people. This article lists 17 everyday applications of artificial intelligence:

Current Common Uses of AI

1. Smart Cars 2. Surveillance 3. Detecting fraud 4. Fake News 5. Customer Service 6. Video games [caption id="attachment_4874" align="alignright" width="300"] Pixabay[/caption] 7. Predictive purchasing 8. Smart recommendations 9. Smart Homes 10. Virtual Assistants 11. Preventing heart attacks 12. Identifying criminals 13. Preserving Wildlife 14. Search and Rescue 15. Cybersecurity 16. Work automation and maintenance prediction 17. Hiring (and perhaps firing) Read the original post here:  17 Everyday Applications of Artificial Intelligence in 2017

Numbers seven and eight in the above list are especially important for business owners. Managing data and intelligence gathering are part of the process that helps today's businesses succeed by finding solutions to problems through Big Data. One aspect business owners deal with regularly are finances and taxes, and through Intuit products with Quick Books and Turbo Tax, AI is reshaping how small companies operate. [caption id="attachment_4877" align="alignright" width="300"] Wikimedia Commons[/caption] According to a PDF published by Intuit concerning the rise of smart apps for small businesses, "smart apps can give accountants and bookkeepers the ability to sift through financial data more quickly and easily as well as do a better job of interpreting the data. Intuit, for example, is infusing its QuickBooks Online and QuickBooks Self-Employed solutions with AI and machine learning capabilities to take the friction out of and put insights into everyday tasks." All of this technology been happening gradually enough that most people don't even realize how many aspects of our lives are already integrated in artificial intelligence. There are some that feel like we need to reign machine intelligence before it gets out of hand.

What Are Business Leaders Saying About AI

Influential businessman, Elon Musk, has a lot to say about this topic and he made a strong statement over this 2017 Labor Day weekend:

Elon Musk celebrated Labor Day with a dark premonition: Countries competing to be the best when it comes to artificial intelligence technology could “likely” be the cause of WW3, according to the prolific technologist and entrepreneur. Read the full post here:  Elon Musk warns that vying for AI superiority could lead to WW3 | TechCrunch

The Tesla CEO, who is ironically developing the hardware needed for full self-driving automobiles, has invested in a number of AI companies including Google's Deep Mind Technologies, and is also the founder of Space Exploration Technologies, AKA SpaceX. It might seem like a bit of a conflict, but don't second guess how this entrepreneur feels about allowing the competitiveness of AI to become more important that solving problems that bring us together:

The future of artificial intelligence is a little scary but also exciting, as the problems that could be solved will benefit human existence. From diagnoses and treatments to collaboration and intelligent bionic limbs, the medical uses are endless. Another industry that is already utilizing artificial intelligence is manufacturing. In fact, it was one of the first industries to harness artificial intelligence by using robots to assemble products and package them for shipment. With all of these changes as part of our future, should you be worried about losing your job? Honestly, there's a good chance it will not only affect your job directly, but also your industry and the company you work for. However, preparing yourself with a list of your strengths and weaknesses, including not only your technical skills but also other abilities and interests, can help you focus on the future opportunities that you might be suited for. Don't be scared; embrace changes that are coming with your eyes wide open.  

The following post Will Artificial Intelligence Become Part Of Our Daily Routine Find more on: www.ssprosvcs.com

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Car Maintenance 101: How To Change Windshield Wiper Blades

A basic auto repair services is really a must if you are going to drive a car. The following article will provide you need to keep your car in tip-top shape.

You should always have an emergency kit available in your vehicle. You ought to assemble a kit consisting of tire change tools, battery charger and a gas can. Should your car break down in the dark, it is helpful to have extra batteries, a flashlight, and some blankets.

TIP! You don’t always have to take your car to the shop when there is an issue. There are a few things that could be fixed very easily.

Ask many questions about your car when bringing it in to their shop. Preventing issues is a great way of money.

Keep a record of any vehicle repairs. Future problems can be easily solved when auto technicians have access to past records. Your car problems may be harder to find and you may have higher repair costs without the records.

TIP! Remember that getting OEM parts is important. These parts are issued by the manufacturer of your vehicle.

Always try to figure out the problem with your car’s problems yourself before you bring it in for repairs.You may already know that a few mechanics will deceive you about your car repairs to charge you more.

Never leave anything in your car when dropping it off for repairs. The mechanic may find that these things get in the way and they may get misplaced to where they cannot be located later. Clear out your trunk, too.

TIP! You should know and pay attention to your dashboard’s warning lights. These lights can let you know when something is wrong with your car.

Replacing the bulbs on your taillights or taillight is much cheaper when you do it by yourself. It’s easy in some vehicles, but it’s more cost effective than hiring a mechanic. Ask someone you trust if he can instruct you how to do it.

You do not always have to have your dealer repair your car. There are great technicians everywhere, whether you take your car to the shop ten minutes from your home or whether you go on in to your dealer. If you find someone that you’re comfortable with, they should be used.

TIP! Whenever you put gas in your vehicle, take a minute to measure your tire pressure. Verify that there are no nails or debris sticking out.

The ignition cannot hold the weight of your keychain can cause problems for your ignition.If your key sticks, you need to change the tumblers and eliminate the troll buddy that’s weighing down your keychain!

Think about snapping some photos of your car prior to taking it to the auto body shop. Sometimes shady mechanics supplement their income by stripping a car of its more expensive parts. This can give you proper documentation in the case of an accident.

TIP! You don’t want to diagnose complex auto issues on your own. Don’t forget that you are not a repair wizard.

Ask for labor rates or prices before giving the keys to a shop. Some repair shops display their rates, so make sure you know exactly what they are. You should understand how the repairs are being billed by your mechanic. Some shops will give an estimate on the repair time estimates established by manufacturers. Some “minor” repairs that are deemed “minor” may be all day if they go by those manufacturers’ established times.

If you’re short on cash, the repair department in vocational schools may offer you service at a fraction of the cost. You’ll pay much less for having students do work on your vehicle under a licensed mechanic’s supervision.

TIP! Always be wary of sellers claiming they have auto parts that will last a lifetime. Often, this is how businesses try to reel you in.

Just because it is winter does not mean you should quit washing your car. Winter can be the most damage causing time of the year for your vehicle. Salt and sand lead to rust and other flaws.

Sometimes when you take your car in for repairs, you are told of other problems when you come to get it. Unscrupulous dealers do this to make you feel as though your car may be dangerous and they are being a friend by offering you a deal. Let them know that you will let them know, and search other shops to see if a better price is available.

TIP! Make sure to bleed your brakes after working on them. Pump your brake fluid after finishing this article, it couldn’t hurt.

Keeping your car in proper running order is a necessary chore of life for most people. Still, you might not know where to find a good auto repair shop, and you might not have the knowledge to do those repairs on your own. If you keep this advice in mind, you’ll have no issues keeping your car on the road.

When it comes to the shop you patronize, be consistent. Stay with an auto repair shop you have trust in instead of seeing different people all the time. Different mechanics might tell you something else is wrong with your vehicle. They might also charge you more for the work done.

TIP! Any quote over $200 needs to be provided in writing. Having written proof can help you in the future.

Many people are searching for information concerning Download the Auto Repair Mobile APP From Play Store , but most don’t find the best information. Thankfully, this article contains excellent tips to help you move ahead. Just put all this advice to good use.

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New Post has been published on HealthyBrags

New Post has been published on http://healthybrags.com/facelift-without-surgery-review/

Facelift Without Surgery Review - Is It Really Possible?

Wendy Wilken of Facelift Without Surgery claims that certain facial exercises can remove wrinkles and tighten sagging skin. She also claims that through acupressure and massage regimens, men and women regardless of age can look a decade younger within 30 days. She also states that the results from her program can be maintained for 2 to 3 weeks and that her regimens can only take a few minutes, making her product perfect for busy people who are always on the go.

While face lift exercises has been hailed as a non-invasive alternative to surgery and Botox, can you really achieve a no surgery facelift treatment through massaging certain nodal points on your face and body and face yoga toning regimens? Find out more in our detailed Facelift Without Surgery Review.

What You Will Learn In This Review

What is Facelift Without Surgery?

Facelift Without Surgery is a facial yoga toning system created by Wendy Wilken that teaches how to do simple face lift exercises that tighten saggy and wrinkled skin right at the comfort of your own home. It is a compilation of exercises performed by Chinese Emperors and Empresses as a no surgery facelift treatment which worked for them during those times, and face and neck workouts that are working now in our modern times.

Wendy’s facial yoga exercise program contains methods on how to erase your wrinkles, sagging skin, eye bags, laughing lines, crow’s feet and sagging jowls. Her book also covers the recommended vitamins and supplements and skin care products that she claims best for these anti-aging techniques and facial exercise.

This book comes in PDF format, with 60 pages of easy to read and direct to the point content. It can be easily downloaded into your computer and can be read using your smartphone or tablet.

Inside Facelift Without Surgery PDF, you will find black and white pictures of Wendy demonstrating the face lift exercises routine. This program does not contain any videos or audios, just texts and illustrations, plus a lot of free bonuses.

Click here to learn more about this program

Who is This Program For?

We, regardless of our age and gender, all want a toned and younger looking skin. But according to Wendy, her program is perfect for those who:

Feel like that they have lost their game

See that their creases and wrinkles are deepening when they look in their mirrors

See their bags and dark circles under and around their eyes getting heavier

See the skin on their face and neck beginning to sag especially on their cheeks and jaws

Feel helpless in stopping their ageing process

Feel unattractive to their partners or finds it hard to get one.

Are afraid to undergo cosmetic surgeries and surgical facelifts.

Who is Wendy Wilken?

Wendy Wilken claims that she is a facial toning practitioner and anti-aging expert, based on her website http://facelift-without-surgery.biz/. On her Facebook page, she describes herself as spiritual and enjoys hanging out with good friends, partying and loves a bit mystery in her life. She also mentioned that she is the model and co-author of 1 month DIY facelift acupressure method in this book that are currently reviewing and that she have also been a freelance model for various companies such as Edgars, Truworths and car brochures. On her public profile, she did not mention any of the credentials she claimed on the official website, however, she mentioned that she went to Roodepoort High School.

I also found another website of Wendy, entitled Face Engineering Exercises, where she claims herself as a physiotherapist and an expert in Chinese holistic medicine and healing techniques. She also describes herself as the top face yoga and acupressure facelift expert in the planet. Hmmm?

Based on my research for this Facelift Without Surgery Review, I have not found any other profile pages of Wendy Wilken except for that Facebook page. She may be a real person (not using pen names), however, Wilken as being a physiotherapist, anti-aging and facial toning expert still remains a question.

How Does Facelift Without Surgery Work?

Facelift Without Surgery works by stimulating certain points on your face and neck by the use of massage and acupressure. These methods open the energy lines in the body that becomes blocked as we age allowing blood to flow and circulate on those areas. These face lift exercises are mostly performed by your fingertips and must be done everyday for the first 30 days, and 2-3 weeks thereafter for maintenance.

Wendy stresses that her product is different from other facial yoga products that are currently in the market which involves stretching of skin and pulling strange expressions. She says that she only renders method on tissue massage toning and acupressure because she believes that these methods are the only ones which provide natural looking facelifts.

Click here to get Facelift Without Surgery

When Will You See Results?

Wendy claims that you can see immediate results, even on the same day after you perform the exercises found in her manual. She asserts that after a week of massaging your face daily, you can see results such as softening of wrinkles and facial lines, as well as improved colour for the face.

To maintain the benefits of this program, it is recommended for you to do these exercises regularly to keep the results permanent. However, she also mentions that results vary from one individual to another, but generally the best results can be obtained just right after 30 days of following her program.

Facelift Without Surgery Cost

At the time of writing this review, Wendy Wilken’s Facelift Without Surgery package is priced at $37 with 31 free bonuses worth $1050. It is covered by a 60-day money back guarantee and is processed by ClickBank, a company which employs encryption technologies using Secure Sockets Layer (SSL) to encrypt sensitive personal and financial information for your protection. Below you will find the list of what is included in the package:

Facelift Without Surgery eBook

Bonus #1: Atkins Diet Package

Atkins Carb Gram Counter

1000 Atkins Diet Recipes

Atkins Diet Revolution

Bonus #2: 111 Egg Recipes

Bonus #3: 404 Self Improvement Tips

Bonus #4: 30 Day Low Carb Ketosis Diet

Bonus #5: Bad Breath Secrets

Bonus #6: Headache Happiness

Bonus #7: How To Stop Smoking In A Week

Bonus #8: Healthy Salad Recipes

Bonus #9: The Ultimate Collection of Herbal Tea Remedies

Bonus #10: A Woman’s Guide To Survive Divorce

Bonus #11: A Man’s Guide To Survive Divorce

Bonus #12: Healing Foods

Bonus #13: How To Stop Your Depression Now

Bonus #14: Yoga eBook Package

Introduction To Yoga Techniques

Lessons in Yoga Exercises

Guide To Advanced Yoga Techniques

Bonus #15: Quick and Easy Cooking

Bonus #16: The Insomnia Battle

Bonus #17: Your Dreams Revealed

Bonus #18: 101 Ways To Stop The Money Leak

Bonus #19: Wonderful Wedding Favors and Gift Ideas

Bonus #20: 101 Ways To Build Happy Lasting Relationships

Bonus #21: So You Wanna Buy A Car?

Bonus #22: Make Money From Home

Bonus #23: Interior Decorating For Everybody

Bonus #24: 200 Problem Solving Tips

Bonus #25: 101 Tips To Save Money At Home

Bonus #26: Fire It Up… Again

Bonus #27: The Genealogy Guide

Bonus #28: How To Buy A Car With Little Or No Credit

Bonus #29: Homeowner’s Guide To Landscaping

Bonus #30: Shoestring Wedding

Bonus #31: The Art Of Astrology

As you can see, Wendy has included a lot of bonuses making her package a great deal. Which brings me to the question, is the main product worth it?

According to RealSelf.com, the average national cost of facelift for the year 2016 is $12,075 which includes the cost for surgeon fees, material and operating room costs, anaesthesia, medications and follow-up treatments. It is not covered by any health insurance, or shall I say that is at least what I know for now.

Comparing the costs of undergoing a surgical cosmetic treatment vs no surgery facelift treatment, it is very much obvious that Facelift Without Surgery is way more affordable compared to professional surgical treatment. However, does no surgery facelift treatment really work? Lets see what experts have to say on the next section of this Facelift Without Surgery Review.

What Experts Say

Two experts in the skincare industry shares what they think about face lift exercises, the benefits, doubts and everything in between.

Dr. Jessica Wu, a dermatologist in Los Angeles, agrees that stretching certain areas of the face can result to an increase in blood circulation in that area. She says that every time you work your facial muscles, it’s pumping blood closer to your skin, just like in your arms and legs.

Although Dr. Wu agrees that facial exercises can lead to an increased blood flow, she’s skeptical about the claim that it can lessen your wrinkles. This is what she have to say: “Studies show that stretching the skin with injectable fillers like Restylane wakes up the fibroblasts, and actually makes them produce more collagen. Facial exercise may stretch your skin, but isn’t necessarily stretching your fibroblasts — it’s a big leap.”

Dr. Joshua Zeichner, Mt. Sinai Hospital’s director of cosmetic and clinical research in dermatology in New York City, on the other hand, agrees that flexing the facial muscles does affect our appearance but doesn’t see the connection between facial toning and skin laxity. He thinks that repetitive movements of facial movements can contribute to wrinkling, especially on the areas of the eyes, nose, mouth and forehead.

Both of these experts were also asked what they think about the difference between Facial Exercise vs Botox. Dr. Zeichner said that Botox relaxes the muscles, while facial exercises build them up, but these all depends on what type of muscle you are working on. Dr. Wu agreed with this claim as well.

So, going back to the question Does Facelift Without Surgery work? The best answer would be: Yes, but not exactly in the way that you think it might.

Are There Any Scientific Evidences?

A journal was published last January 2014 regarding the effectiveness of facial acupuncture, facial acupressure and facial exercises in facial rejuvenation. According to the study of Aesthetic Surgery Journal, positive outcomes were achieved for all 9 studies, however, none of these studies used a control group and randomisation process. They said that the effectiveness in most studies were purely subjective and concluded that the evidence to date is still insufficient and that evidence from a large randomised controlled trials are needed before conclusions can be given. Therefore, the effectiveness of these alternative approaches are still a topic of debate.

Source: https://www.ncbi.nlm.nih.gov/pubmed/24327764

Another study comes from Folia Phoniatrica et Logopaedica published last Nov 2013 where the study assessed the effectiveness of 4 facial exercises for the purpose of reducing wrinkles and sagging of facial skin. The review took almost 2 months with pictures taken before and after, scoring the same pictures by means of visual analogue in a random presentation. Results however showed that they only found one significant difference. That is, the upper lip, which showed to be younger looking after 7 weeks. From these results, they therefore concluded that more systematic research is needed, and that it cannot be concluded that facial exercises are effective, just yet.

Source: https://www.ncbi.nlm.nih.gov/pubmed/24296342

Facelift Without Surgery Review – Our Final Recommendation

Facelift Without Surgery may be attractive to some people because it doesn’t involve a knife, syringe or needle. In the end, the effectiveness of facial exercises is still up for debate. Our recommendation? If you have the money, not afraid of needles and want to see instant results, you better get the surgical option. Alternatively, if you don’t have money, patient enough to wait for results and are willing to put Wendy’s method into practice everyday to get the results you wanted, why not try it out and see if it will work for you? Remember, Facelift Without Surgery is covered by a 60-day money back guarantee.

[holytheoristtastemaker]

Whether you’re on the hunt for a way to turn your hobby into a legitimate business or you’re a seasoned vendor looking to expand and grow, figuring out how to get paid in a way that’s quick, painless, and affordable is one of the most important operational problems you’ll need to solve.

Processing online payments, in particular, is especially critical. Over half of Americans now pay their bills online. And in early 2019, sales from online stores eclipsed those of general merchandise stores for the first time.

The good news is that just as e-commerce has revolutionized the way people buy and sell goods and services, it has also forever altered the way people conduct business online, with new solutions making accepting and processing payments easier and more frictionless than ever.

PayPal is far and away one of the pioneers in the space. Chances are, you’ve already used the online payment provider to make a purchase in the last few years.

What you might not know, however, is that the organization launched a merchant services wing in the early 2000s that not only gives business owners of all sizes the power to get paid faster and easier, but that also helps companies big and small grow and scale.

What is a PayPal business account?

PayPal is one of the most well-known online payment service providers (PSPs) in the world. A PayPal business account makes it fast and easy for businesses just getting started, as well as those that are more established, to accept and process credit card payments, debit card payments, and more in over 25 currencies and from over 200 countries.

Like competitors Square and Stripe, PayPal works by taking a small percentage of transactions made using their platform.

It’s also super simple for your customers to check out and make purchases via a PayPal business account. They don’t necessarily need to have a PayPal account themselves (they can do their shopping as a guest), and they can choose to pay via any of the following methods, both online or in person:

Credit cards

Debit cards

PayPal

Venmo

PayPal credit

The credit and debit cards PayPal business accounts accept

Credit cards accepted by PayPal business accounts Debit cards accepted by PayPal business accounts Visa Visa Mastercard Mastercard American Express Discover JCB Diner’s Club

Private label cards, like department store cards, and procurement cards aren’t accepted.

Debit cards that aren’t Visa or Mastercard and require a numeric password are also not accepted.

Thanks to PayPal’s history — it was acquired by eBay in its early days — it’s also generally regarded as one of the most robust PSP solutions for e-commerce businesses. It integrates with hundreds of commerce platforms, including both specialty online marketplaces like eBay and Swappa as well as custom online stores like WooCommerce and Magento.

And for those on-the-go or brick-and-mortar vendors that still primarily accept payments in person, a PayPal business account offers PayPal Here, which provides business owners with a mobile app and an assortment of card readers.

Beyond just solving the core operational problem of getting paid, however, a PayPal business account also helps business owners manage and scale their companies.

The PSP has expanded the services they offer over the years to include everything from a launch kit for newbies and shipping help for those that need to deliver products, to lending options for veterans looking to grow their career opportunities and even reporting for those that want to better understand where they’re succeeding and where they have room to improve.

Types of PayPal business accounts

A PayPal business account comprises two overarching payments processing options for business owners:

PayPal Payments Standard. This basic PayPal business account account doesn’t charge a monthly maintenance fee and allows account holders to accept all of PayPal’s payment methods (except for payments made via phone, fax, or virtual terminal). It also includes the standard PayPal business account benefits, like toll-free phone support and simplified PCI compliance functionality.

PayPal Payments Standard is ideal for business owners just getting started as well as those who are more than happy with a no-frills checkout option on their website or via their e-commerce platform provider. Customers are taken to PayPal’s site to complete payment and returned to the business’s site afterward.

PayPal Payments Pro. A step up from its standard counterpart, PayPal Payments Pro includes all of the perks that come with the basic account as well as the ability to accept payments via phone, fax, or virtual terminal.

This account also gives business owners complete control over their checkout pages, which makes it ideal for those who really want to take their e-commerce site to the next level. Customers never leave the business’s site when making a payment. Unlike PayPal Payments Standard, this option comes with a monthly maintenance fee of $30.

Additional PayPal business account merchant services

A PayPal business account also includes a suite of services beyond payment processing. Some of these are included in the accounts outlined above, like invoicing and eligibility for a PayPal debit card, but other features require an additional application process or development work.

PayPal Checkout. In a nutshell, PayPal Checkout adds Smart Payment Buttons to your e-commerce site that allow users to buy your goods and services with one click, bypassing a tedious order process that involves long, complicated forms. PayPal then provides you with the customer’s contact information and shipping address, if appropriate.

PayPal Business Loans and Working Capital. Cash flow is one of the primary problems a growing business faces. With PayPal Business Loans and Working Capital, the PSP makes it relatively simple for companies with a PayPal business account to get the funds they need to keep expanding.

PayPal Marketing Solutions. Like the complimentary invoicing, shipping, and debit card options that come with PayPal Payments Standard and Pro accounts, PayPal Marketing Solutions is baked into the offering. This valuable suite of features includes insights into how often your customers are shopping, how much they’re spending, and how they’re interacting with your checkout experience. To enable this service, all you have to do is copy and paste a snippet of code onto your website.

7 benefits of a PayPal business account that you should know about

No monthly maintenance payments

Far and away one of the best perks of a PayPal business account is that the standard account comes with absolutely zero monthly maintenance charges. That means that there’s no cost to sign up and start accessing all of the merchant services on offer.

There are also no setup or cancellation fees. You’ll only be charged when you actually start doing business (see the chapter on PayPal business account fees), which means you can spend your time — and your extra cash — on the other business services that matter.

Lightning fast setup

It takes as little as 15 minutes to get up and running with a PayPal business account. Since the registration process is completely digital, you can go through the quick and easy online steps wherever and whenever you want. There’s no waiting in line at the bank, and you won’t find yourself on the other end of a frustrating phone call that mostly consists of bad hold music.

Low barriers to entry

Unlike old-school merchant account providers that often come with complicated qualifying terms and heaps of paperwork, a PayPal business account merely requires some basic contact information and general details about your company. Anyone can sign up — a credit check isn’t necessary. You merely need to link a bank account in order to receive funds from your transactions.

Get paid online or in person, in the U.S. and from abroad

Another huge perk is that a PayPal business account is flexible when it comes to accepting payments. Customers can pay with major debit and credit cards as well as PayPal, Venmo, and PayPal Credit (they don’t even need a PayPal account). What’s more, people can make purchases online, in person, or even via invoicing. Finally, PayPal makes it possible to do business over borders and even across language barriers — it’s available in 25 currencies and across 200 countries.

Easy e-commerce integration

A PayPal business account syncs with hundreds of solution providers and shopping carts. Most major providers and even many of the smaller players have a simple option in their admin console where you can select the PayPal integration and enter your login details and relevant credentials — it’s that easy.

Get cash back with the PayPal business account debit card

Sick of all the dead-end debit cards that don’t give you any incentive to actually spend the hard-earned money you’re making? Then you’ll be happy to know about PayPal Business Debit Mastercard, which comes complimentary with an account (you just need to request the card) and gives you 1 percent cash back on eligible purchases.

You can use the card to immediately access all the funds in your PayPal account without having to transfer anything to your business bank account, whether you’re withdrawing from an ATM or making an in-store purchase (the card works anywhere that accepts Mastercard).

Leverage discounts for nonprofits and charities

The PayPal business account also offers special, cheaper transaction rates for registered 501(c)(3) organizations. The organization even has a ready-to-roll donate button that anyone doing fundraising can quickly and easily add to their website once they’ve created a PayPal business account.

As a bonus, PayPal has done the legwork to integrate with popular fundraising sites, like FundRazr, so that it’s easy to activate their services and start accepting the money you need.

Who needs a PayPal business account?

You may have heard stories about many casual sellers launching booming businesses from their personal PayPal accounts over the years. So it wouldn’t be surprising if you’re wondering what the difference is between a PayPal personal account and a business account — and why a sole proprietor or small business owner should consider opening one or the other.

In a nutshell, PayPal’s personal account is designed primarily for purchasing and sending money. All that’s required is for you to provide contact information and a verifiable bank account. On the flip side, while you can receive funds from other PayPal users, you won’t be able to accept as many types of payment, nor will you be able to extend access to your account to employees or colleagues or take advantage of business-targeted services such as PayPal Checkout or PayPal Marketing Solutions.

In addition, opening a separate PayPal business account will prevent you from mixing up personal purchases with business expenses and personal monetary gifts from business revenues. If you’ve gambled on being able to track everything through your personal account and your side business suddenly takes off, you’ll spend hours extricating personal transactions from business transactions at tax time, and the stakes for making a mistake could be high.

Since phasing out its Personal Premier accounts, PayPal’s business account has become the most sensible account option for even the smallest businesses, including freelancers and small-scale artisans. Nearly anyone who plans to collect revenue or distribute money for business purposes will benefit from opting for a business account rather than a personal account.

From increased access to a variety of payment options, to customer support, to analytics and tracking, the business account is designed to help your small business grow into a mid-sized business. And for a $30 monthly fee, PayPal Payments Pro is ready to help you grow further with scalable benefits and services.

Here are a few types of businesses that can benefit from a PayPal business account.

Freelancers and entrepreneurs with a sole proprietorship

PayPal suggests using a business account if you operate a revenue-generating endeavor under a separate name — for example, if you’ve set up an LLC. However, there are legitimate reasons why successful freelancers and sole proprietors might want to consider opening a business account even if they haven’t yet registered a formal business and chosen a company structure.

PayPal business accounts allow you to integrate your payment systems with their payout system to create a seamless accounting system you can use to easily monitor sales and profits as well as expenses. Opening a separate PayPal business account will make it easier to calculate profits and expenses when it comes time to file taxes.

One of the most compelling reasons freelancers may want to consider using a PayPal business account is that it can expedite payments from clients, with transactions often taking only minutes. Even for artisans or vendors who do business in person, frequenting craft fairs, farmers markets, and flea markets, a business account provides integrated swiping, online payment, and credit card processing systems, and even tracks receipts for you (you just need to activate PayPal Here).

The risks for opening an account are low since there are no startup, termination, or monthly fees. As far as transaction charges are concerned, they are the same whether you receive payment through a personal account or a business account.

Moonlighters and side hustlers

If you’re trying to transform a passion into a profit-making business, using your free time to raise income through a side hustle, or looking to get a business off the ground while still working long hours in a more conventional staff position, you likely don’t have much spare time to devote to bookkeeping.

So it’s unlikely you have the time to untangle information from a personal PayPal account. Separating personal monetary gifts from customer transactions and personal purchases from business-related expenses at tax time is likely to be confusing, frustrating, and a waste of time.

With no upfront or monthly fees, setting up a separate PayPal business account, or adding one if you already have a personal account with PayPal, is a sensible solution for hard-working, aspiring entrepreneurs who still have one foot in the wage-earning world.

The PayPal Payments Standard account will track customer receipts for products or services purchased, as well expenses paid to contractors you hire or products you purchase to get your new business up and running.

By keeping your business and personal accounts separate, you spare yourself the confusion and tediousness of sifting through transactions to determine which are personal and which are related to your side business.

Vendors on eBay and Etsy

Originally acquired by eBay back in 2002 before it spun off to go it alone again in 2015, PayPal was once the go-to system for transactions on the popular online marketplace.

That said, if you’re asking yourself, “Do I need a PayPal account to sell on eBay?” the answer is technically no. It’s possible to opt into eBay’s Managed Payments service, which allows you to receive funds directly into your bank account.

However, PayPal remains the simpler and faster of eBay’s accepted payment options, which means that those who currently use PayPal don’t need to do anything to receive customer payments through their PayPal business accounts and can, as was the case before, expect a super seamless experience that’s incredibly safe and efficient.

So while you don’t necessarily need a PayPal business account to sell on eBay, it can simplify your operations.

Similarly, if you’re a creative who’s created a nice little cottage industry hawking your inventions and projects on Etsy, you’ll be happy to hear that PayPal is an automatic option if you’re using Etsy Payments. And even if you’re not, you can easily configure your payment settings to accept PayPal payments.

Small businesses (SMBs) and startups with an LLC 

If you’ve set up a limited liability company (LLC) for your small businesses to protect your personal assets, opening a PayPal business account can extend your customer base and deliver more marketing value.

According to data collected by comScore, customers complete 88 percent of initiated checkouts on PayPal. Consumers using other digital wallets failed to purchase items they’d saved to shopping carts 44.7 percent of the time.

And PayPal’s mobile payment options can expand the viability of small businesses, allowing them to keep up with a growing digital marketplace. (In 2019 nearly 80 percent of consumers reported using a mobile device to make a purchase.)

If your company upgrades to PayPal Payments Pro, your customers can remain on your website to complete transactions on your own dedicated payment page with your branding. When your customers don’t have to leave your site to make a payment, they’re more likely to continue shopping.

Corporations

PayPal business accounts allow access to up to 200 employees. You can set a variety of access levels to protect your customers’ privacy and your business interests. PayPal also allows you to set up a separate email for customer service issues.

PayPal business accounts include setup support and business consulting, including customer analytics, with a range of benefits and enhancements at the Payments Pro level that are designed to scale to your business as it grows.

PayPal can accept payments in 25 forms of currency and from more than 200 countries. You can also use PayPal to set up subscriptions and other forms of interval payment, as well as customized invoicing.

The standard amount you can transfer in a single transaction is $10,000, but you can increase this limit by contacting PayPal and providing certain verification information. Though PayPal aims its services at small and mid-size companies, several large online retailers use PayPal as a payment option for their customers, and for businesses that rely on a high volume of payments of less than $10 each, PayPal offers a special micropayment fee structure.

If your business has the good fortune to generate large amounts of income through sales, then PayPal’s per-transaction processing fees can add up quickly. In this case, you may need to look for another online transaction solution that offers a flat rate or work with PayPal to create an individualized fee structure. The PSP has stated that they’re committed to scaling their products to grow their customer base.

PayPal isn’t designed for businesses that rely on frequent large transfers of cash from vendors to other business partners.

PayPal business accounts for nonprofit organizations 

PayPal has become an important part of the nonprofit landscape, with more than 1 million users donating over $106 million via PayPal on GivingTuesday 2019 alone. Those donations, like all donations made in December 2019, were augmented by 10 percent from the PayPal Giving Fund. The rest of the year, PayPal’s Giving Fund kicks in 1 percent on every donation toward whatever verifiable 501(c)(3) charities users designate.

PayPal’s low costs, relatively fast transactions, reputation for reliability and security, and vast pool of users can all be leveraged to fuel charitable fundraising. In many cases, donation dollars show up in your organization’s account within minutes. From there, you can transfer money to your organization’s bank account at no charge. More than 600,000 nonprofits already receive funds through PayPal.

Fees for nonprofits

Registered charities with 501(c)(3) status pay a reduced per-transaction rate of 2.2 percent plus 30 cents for U.S.-based donations, and 3.7 percent plus a fixed fee for international donations. 

Donor tracking and access

Creating a PayPal business account and enrolling in their Giving Fund can help your organization tap into the payment platform’s growing segment of donors, including the 8 million users who donated to charities in 2017.

What’s more, monthly statements and searches allow you to easily track and leverage donor information. There are also options that allow donors to sign up for recurring monthly donations.

According to a survey conducted in 2014, 28 percent of PayPal charitable donors said they wouldn’t have made their donations if PayPal hadn’t been among the payment options.

Secure donor transactions from anywhere

Using PayPal Here, you can accept payments onsite at fundraisers using a mobile device. With a standard account, your nonprofit organization can get, at no extra charge, up to five basic credit card-reading attachments (though more advanced card readers with additional security are recommended for nonprofits that expect higher volume donations) or three chip and swipe readers that can be used with a smartphone or tablet.

The information donors provide at the point of sale can be automatically integrated into your donor contact list. And you can help keep this information secure by setting user permissions so that volunteers and employees can complete only specific tasks.

PayPal has also partnered with a variety of national and international applications and online resources aimed at the not-for-profit sector, which means that enrolling in their solutions for nonprofits can extend your reach to donors throughout the world.

Services and benefits

Like all PayPal business accounts, nonprofits can access free, seven-day-a-week customer support. Your organization will be eligible for a PayPal Business Debit Mastercard, which allows you to earn 1 percent cash back on expenses.

Even if you opt not to open a PayPal business account, you can enroll in the PayPal Giving Fund, giving potential donors the opportunity to allocate funds to your organization using eBay, Go Fund Me, Humble Bundle, and other online applications when they purchase items using PayPal. Once you’re enrolled, the PayPal Giving Fund will manage tax receipts for your donors automatically.

Nonprofit partnerships

PayPal has partnered with some of the most recognized platforms in the nonprofit sector to expand the reach of nonprofits to online donors, including the digital transaction solution Paperless Transactions, the online fundraising platform FundRazr, fundraiser management software provider Classy, marketing and constituent engagement system BlackBaud, donor management and fundraising software Network for Good, and eBay.

Each of these solutions allows you to set up PayPal as your preferred transaction provider and integrates your business account into their platform for easy use by staff, volunteers, and donors.

PayPal business account requirements

Among the advantages of a PayPal business account are the relatively few requirements and the absence of up-front fees. There are no minimum capital or sales volume requirements either, making it an attainable next step for sole proprietors or small businesses looking to extend their range and increase their clients’ payment options.

Getting started: What you’ll need to open a PayPal business account

If you don’t have a separate bank account for your business, you should consider setting up one before you set up a PayPal business account.

You can use your personal account, but it’s best to have at least two bank accounts as you begin your entrepreneurial endeavors on PayPal — one personal and one for your business. This will make it much easier to track payments and business expenses, complete your taxes, and gauge your business’s rate of growth.

Once you have both your personal and business bank accounts in place, you can sign up for a PayPal business account in a few simple steps.

As with a PayPal personal account, you’ll need to confirm your email address, provide contact information, and provide account information for the bank account where you’d like the money to be deposited; a designated business banking account is recommended but not required.

You’ll need to provide a business name that will appear on customer invoices. And you’ll be asked to describe the type of business you have by selecting from a dropdown list:

Individual/sole proprietorship

Partnership

Corporation

Nonprofit organization

Government entity

Depending on your business type, you may be asked for additional information, such as product or service keywords, monthly sales, website, and employer identification number. However, there are no wrong answers; you merely need to provide the information.

Finally, you’ll need to provide customer service contact information, which for a sole proprietor is likely to be you.

The costs of a personal and a standard, or first-level, business account are identical. Neither has startup or monthly fees, and both have identical transaction fees.

Frequently asked questions about PayPal business accounts

Do you have to be a U.S. citizen to open a PayPal business account?

In accordance with the 2010 Foreign Account Tax Compliance Act (FATCA), users opening a business account may need to provide tax documents and other verifying information to prove that they are a U.S. citizen or a non-U.S. citizen who is properly paying taxes on any monies collected or earned in the United States or from U.S. citizens.

In addition, to comply with FATCA, PayPal reviews personal accounts frequently, and when discrepancies are found, will request documentation of citizenry or lawful U.S. taxpayer status from account holders.

Is there a minimum income required to open a PayPal business account?

There is no minimum income or sales volume required to open a business account. However, to be eligible for PayPal Working Capital, you need to have a business account up and running for 90 days and process at least $15,000 in a 12-month period.

PayPal business account fees

If you want to start using PayPal for your business, it’s important to understand the PayPal business account fees associated with standard transactions and accepted payments online and in store.

Most important, there are no initial costs to get started or monthly costs attached to a standard PayPal business account. There are no termination fees either. Using a standard PayPal business account is best for businesses that want to save on fees and enjoy some flexibility.

If you want to offer a more robust customized and integrated shopping cart and checkout experience for your customers online, you may want to consider upgrading to a PayPal Payments Pro account. It costs $30 per month, along with the standard transaction fees.

PayPal business account transaction fees are only applied when you sell products or services and accept payments online or in store. Your business pays a standard transaction fee based on the percentage of the total transaction amount and the fixed fee of the currency for the respective country. Below is a breakdown of the percentages and fixed fees for online and in-store transactions in the U.S.

Transaction types Percentage of total transaction amount  Fixed fee amount Online 2.9% $0.30 USD In-store 2.7% no fee

If you’re selling online or in store internationally, the percentage of the standard transaction amount increases slightly, and the fixed fee amount based on the local currency still applies to your total fees. Here’s a breakdown of the transaction percentages and fixed fees you might expect if doing business in Mexico:

Transaction types Percentage of total transaction amount  Fixed fee amount Online* 4.4% 4.00 Mexican Peso In-store 4.2% no fee

*International sales made online incur an additional 3-percent currency conversion charge and a 1.5 percent charge for receiving a payment from a different country.

Your PayPal business account fees will vary according to the country you’re selling to and accepting payments from. This list of the countries and their currencies will help you calculate the fixed fee amount for your total transaction fees when selling products/services and accepting payments abroad.

Acceptable forms of payment include Venmo, PayPal Credit, PayPal payments, and all major credit and debit cards with PayPal Checkout and PayPal Payments Standard.

Reduced transaction fees for nonprofit organizations and charities

If you’re a nonprofit organization with 501(c)(3) status, you’ll pay reduced fees for credit card, debit card, or PayPal donation payments in the U.S. and internationally. Here are the transaction fees and fixed fees for a nonprofit organization:

Location Percentage of total transaction amount  Fixed fee amount U.S. 2.2% $0.30 USD Internationally 3.7% varies by country

To qualify your PayPal business account for discounted transaction fees, you must verify your nonprofit organization’s charity status by providing your employer identification number (EIN) and proof of the nonprofit bank account linked to the PayPal account via bank statement or a voided check.

Other PayPal business account fees

Apart from the standard transaction fees attached to a PayPal business account, there are several add-on features that may or may not cost you. Here are some possibilities:

Service type Location Percentage of total transaction amount  Fixed fee amount Online invoice creation (doesn’t include fees associated with paying the invoice) U.S. or International No fee no fee Micropayments* U.S. 5.0% $0.05 USD Micropayments International 6.5% varies by country** PayPal Payments Pro ($30 USD monthly fee) U.S. 2.9%, plus 3.5% per transaction if using an American Express card $0.30 USD PayPal Payments Pro ($30 USD monthly fee) International 4.4% per transaction, plus 3.5% per transaction if using an American Express card varies by country*** Virtual Terminal ($30 USD monthly fee) U.S. 3.1% per transaction, plus 3.5% per transaction if using an American Express card $0.30 USD Virtual Terminal ($30 USD monthly fee) International 4.6% per transaction, plus 3.5% per transaction if using an American Express card varies by country*** Mobile Card Reader  Swipe and check-ins in the U.S. 2.7% per transaction no fee Mobile Card Reader  Key or scan in the U.S. 3.5% + $0.15 per transaction no fee Mobile Card Reader  Swiped non-U.S. cards 2.7% per swipe  1.5% cross-border fee and/or 2.5% currency conversion fee

*Micropayments are transactions less than $10. **Click here for micropayment fixed fee amounts by country. ***Click here for PayPal Payments Pro and Virtual Terminal fixed fee amounts by country.

PayPal bank account transfer fees and options

Transferring money to your bank account is easy as long as you have a U.S. PayPal account already set up and linked to your bank account. This transfer can be done through a personal or business PayPal account, and there are two options to consider:

A standard transfer

An instant transfer

Zero-cost Standard Transfers

If you’ve linked a bank account to your PayPal business or personal account, then you don’t have to pay a transfer fee. Transfers typically take one to three business days to be deposited. If you opt to complete a transfer on a weekend or holiday, it may take slightly longer for the money to show up in your account.  

Costs for Instant Transfers

With Instant Transfers, you can transfer money from your business or personal account to your bank account or debit card in a matter of minutes. Keep in mind that transfers can take up to 30 minutes depending on your bank, and you do have to pay an additional fee for this service. The cost to use Instant Transfer is 1 percent of the total amount you transferred, up to a maximum fee of $10.

Eligibility requirements for transfers

Both standard and Instant Transfers require a linked and eligible bank account. Your bank is eligible if it’s part of the Clearing House Real Time Payments program. If you’re transferring funds to a linked debit card using Instant Transfer, your debit card must be a Visa or Mastercard to be eligible. You can transfer to whichever linked account (bank or debit card) that you choose. Keep in mind that there could be a delay in your transfer if it’s subject to review, submitted after 7 p.m. Eastern time, and on weekends or holidays.

PayPal business account vs personal account withdrawal limits

If your business chooses to use Instant Transfer for your PayPal business account, there are withdrawal limits based on account type. Check out the withdrawal limits below:

Withdrawal limit type Withdrawal limit amount Business account or bank By transaction $50,000 business account By transaction $25,000 bank By day $100,000 business account By week $250,000 business account By month $500,000 business account

If you want to use Instant Transfer for your PayPal personal account, below are the withdrawal limits on your debit card and bank:

Withdrawal limit type Withdrawal limit amount Personal debit card or bank By transaction $5,000 debit card By transaction $25,000 bank By day $5,000 debit card By week $5,000 debit card By month $15,000 debit card

PayPal business account fees vs personal account fees

Opening a PayPal business account or personal account is free, unless you choose to upgrade your account. There are no startup costs, termination fees, or monthly maintenance fees for the standard version of these accounts. The main difference between the two are the transaction fees. A business account will incur charges based on standard transaction fees and fixed fees from selling products or services online or in-store. A personal account, on the other hand, charges transaction and fixed fees in the U.S. and internationally when you receive money from someone who uses a credit card, debit card or PayPay Credit. A personal account won’t charge fees if you receive money from someone using a linked bank account, PayPal Cash, or a balance from PayPal Cash Plus.

Payment method Location Fees  Fixed fee amount PayPal Cash or PayPal Cash Plus U.S. waived none Credit card, debit card, or PayPal Credit U.S. 2.9% of the total amount  $0.30 USD PayPal balance or linked bank account International 5% of the amount sent, from $0.99–$4.99 USD none Credit card, debit card, or PayPal Credit International 5% of the amount sent, from $0.99–$4.99 USD, plus 2.9% of the transaction amount from a specific payment method varies by country

Also, transferring your money to your bank from a business account or a personal account is typically free, unless you use Instant Transfer. In this case, the withdrawal limits differ depending on whether you have a business account or a personal account. The cost to buy in the U.S., however, is always free for either account type.

Frequently asked questions about PayPal business account fees

How much does it cost to start using my PayPal business account? It’s completely free to get started. There are no startup costs, monthly fees, or termination fees. What are the minimum fees I should expect to pay for my PayPal business account? You should expect to pay the standard transaction fees for online and in-store transactions in the U.S. and internationally, and any fixed fees for the respective country. Find out more from the breakdown of costs above. When doing business internationally, are there currency conversion costs involved? Yes. You will be charged an additional 3 percent for currency conversions and a 1.5 percent fee if you receive payments from a different country. How much does it cost to transfer money from my PayPal business account or personal account to my bank or debit card? For a standard transfer, there are no costs. For Instant Transfers, which can give you access to your funds in as little as 30 minutes, the cost is 1 percent of the total amount you transferred, up to a maximum fee of $10. Keep in mind that there are withdrawal limits for your business account and personal account if you’re using Instant Transfer.

How to set up a PayPal business account

Ready to start accepting payments for your business with a PayPal business account? You can get up and running in just a few easy steps. Here is a step-by-step guide to help.

Setting up a PayPal business account

Ready to start accepting payments for your business with a PayPal business account? You can get up and running in just a few easy steps. Here is a step-by-step guide to help.

Setting up a PayPal business account

First, make sure you have an email set up with PayPal. If not, click Sign Up to get started. Remember, signing up for a PayPal personal or PayPal business account is free.

Next, you’ll be asked what type of account you want to set up. Select Business Account and click Next.

On the next screen, you’ll be asked to enter the email address you want to use to set up your PayPal business account. Enter the email you want to use, and then click Continue.

After you enter the email address, create a password. Your password must be at least eight characters and contain at least one number and symbol.

After you set up a password that meets the requirements, you’ll be taken to a screen that says, Tell us about your business. Here, you’ll provide more information about your business, such as the business contact’s name, the business name, and the business address.

You’ll also be asked to agree to an E-communication Delivery Policy, a User Agreement, and a Privacy Statement. Once you’ve read through these documents and are ready to continue, check the box and click Agree and Create Account.

On the next screen, you’ll be asked to describe what type of business you have. You can select from a dropdown list. Depending on the business type, you may be asked for additional information, such as product or service keywords, monthly sales, website, and employer identification number.

Based on the information you give, you may be asked if you want to receive a PayPal Business Debit Mastercard, which allows you to quickly and easily access money in your PayPal account much in the same way you would access money from a typical bank account. This card has no annual fee once you’ve received at least $250 in payments. You can use the card balance anywhere that has the Mastercard logo and get 1 percent cash back each month on select purchases. Click on the box if you would like to receive this account offer, or unclick it if you don’t want it, and then click Continue.

Next, you’ll be asked to provide some personal information to set up your account, including the last four digits of your social security number, your birth date, and your home address. PayPal won’t perform a credit check based on this information. After you’ve added all of your personal information, click Submit.

Once you’ve submitted your information, your PayPal business account is set up and ready to use. You’ll be taken to a page to select from a range of features you can use for your account.

For example, you can request or send money, send an invoice, set up recurring payments for your business, or take advantage of services like PayPal Checkout to accept payments online. You can also set up your account to accept card reader payments if you’re mobile, in store, or using the PayPal Here sales tracker app. Finally, you can connect to an online marketplace with PayPal already built in to accept payments that way.

How to upgrade or downgrade a PayPal business account

Upgrading to a PayPal business account is beneficial for e-commerce businesses that want to customize and enhance the shopping and checkout experiences for their customers. You can upgrade your personal account to a business account in just three easy steps. However, it can take a bit longer to downgrade your business account to a personal account because this has to be done manually.

Upgrading to a PayPal business account

If you prefer, you can have multiple PayPal accounts: a personal and a business account, but you have to use unique emails for each account.

If you’d like to use your PayPal personal account email to upgrade to a PayPal business account, follow these steps:

On the login page, select Sign Up, choose the Business Account option, and then click Next. After you complete your personal account login information, you’ll be asked if you want to switch your current personal account to a business account. Select Use your current email to switch to a business account, and then click Next.

On the next page, you’ll be asked to fill out your business information and then agree to the terms and conditions.

Once you’ve done this, you’ll go through the same steps as in the How to set up a PayPal Business account section.

Upgrade PayPal business account options

There are two primary PayPal business accounts to choose from. One is free, and one charges a monthly fee.

Standard

This account is free, accepts all major credit card and debit card payments, accepts PayPal payments, and allows customers to pay over time if they choose. There is no monthly fee.

Payments Pro

This account has a monthly fee of $30. PayPal Payments Pro includes all the features of a standard account but allows you to customize your customer’s checkout experience and to integrate with your established shopping cart.

Downgrading a PayPal business account

If you’d like to convert your PayPal business account to a personal account, you’ll need to contact a PayPal customer service representative directly. Changing your PayPal business account to a personal account can only be done manually.

How to delete and close a PayPal business account

There are plenty of reasons you might delete and close your PayPal business account. For example, if

Your account has been compromised and must be shut down to protect your information

You’re no longer in business and don’t plan to use the account anymore

You want to create a new account with a different email address

You want to use a different business account

Whatever the reason, you can delete and close your account in just a few easy steps.

The first step is logging into your account and transferring any remaining balances from your PayPal business account to your bank. If you request a check, you’ll be charged a processing fee of $1.50.

Next, download any data you want to keep. For example, you may want to download your transaction history from the Activity tab or your financial statements and summaries from the Reports tab. Once you delete and close your account, you won’t be able to access this information anymore. Make sure to download anything you don’t want to lose.

Once you’ve transferred any remaining funds to your bank and downloaded the data you want to keep, click on the gear icon on the far right-hand corner and choose Account Settings from the dropdown menu.

On the Account Settings page, there will be three options under the Account & Security menu on the left-hand corner. Click on Account preferences.

At the bottom, where it says Account type, click the Close account link. Once you click on this link, you’ll be redirected to a page that informs you that closing your account is final and that all your history will be lost. If you agree to these terms, click Continue.

Finally, you’ll be asked to provide up to three reasons why you’re closing your account. Once you’ve made your selections and added any comments, click Continue.

PayPal will ask you to confirm that you’re closing your business account one last time. If you’re certain this is what you want to do, click Confirm, and your business account will officially be deleted and closed. You’ll no longer be able to access it.

Within the next 24 hours, you should receive a confirmation email from PayPal that says your account has been permanently deleted and closed.

How to use JotForm to sell products and collect payments

Now you have all the facts, and perhaps you’ve settled on a PayPal business account as your PSP. Maybe you’ve set up your account, and you’re ready to start watching your bottom line grow.

Alternatively, you may still be deliberating or comparing options. Regardless of where you are in the decision-making process, it’s important to remember that having the power to collect payments is only one small piece of the puzzle.

Another critical element is creating the infrastructure that will allow you to effectively market and sell your products and subscriptions, or collect donations and raise money online. This may feel especially intimidating if you’re not particularly web savvy.

Similarly, if you’re a microbusiness with limited resources or a nonprofit that’s always battling against time, you may not have much time to spare setting up an e-commerce site or learning the ins and outs of website development and design.

The good news is that JotForm offers a form building solution that makes it as easy to sell products as PayPal makes it to collect payments. The even better news is that you can create a PayPal payment form with JotForm, so it’s incredibly simple to get your goods in the hands of your customers and get paid!

This option is particularly useful for charities and organizations accepting donations, anyone putting on events, order-based businesses, DIY entrepreneurs, and even professional services providers. Truth be told, any business — big or small — can use JotForm’s easy online Form Builder to create order forms, recurring subscription forms, membership forms, and more in only a couple of clicks.

Then it’s just a matter of selecting either the appropriate PayPal Personal,  PayPal Business, or PayPal Invoicing option from the Form Elements section in the JotForm Form Builder and completing the steps that follow.

JotForm not only makes it a snap to start selling your goods and services, but the uber popular form builder also doesn’t charge any extra transaction fees. PayPal’s standard fees apply as normal. The only fees you pay JotForm are for your account, unless you’re on a free plan.

And if that’s not enough to pique your interest, here are a few other great reasons to consider using a JotForm-PayPal business account integration to start selling and collecting payments:

It’s flexible. JotForm gives you the ability to collect everything from payments for products with a specific price to recurring subscriptions to custom donation amounts.

It comes at no cost. Not only does JotForm forego charging any additional transaction fees, the platform also offers a free account option that gives users the opportunity to accept 10 payments per month on the house. If you plan on accepting more, you can opt for any of the other JotForm plans.

It’s as easy as 1-2-3. Anyone and everyone can use JotForm’s drag-and-drop Form Builder to put together nearly any kind of form. It’s beyond simple.

No technical expertise needed. No code know-how required. You don’t need development knowledge to use JotForm, and thanks to the platform’s super robust Help section, even if you do run into a problem, there are resources and support available to give you the guidance you need.

Thousands of templates. Among their 10,000 form templates, JotForm has templates made just for PayPal.

End-to-end customization. From adding your own branding to uploading an image to make your form look friendlier, JotForm’s Form Builder makes it a breeze to customize templates. And if you do have some engineering skills, you can even add CSS to create the kind of forms your customers or donors will love.

PCI compliance. When the risk of cyberattacks and fraud seem to be increasing daily, customers want to know your website is secure. JotForm provides both your business and the people supporting it with the highest level of security protection.