I created my PayPal account almost 5 years ago, but I rarely use it because it wasn’t verified thus it had some limitations. Verifying PayPal is so simple if you have a credit card. As a student, there is no way for me to get a credit card except using my parents’. However, I don’t want to involve my parents in this case because who knows I could be out of control and surprise them with high credit card bill. So, I only use my PayPal for receiving small amount of money from my friend to buy really cheap items. For example in 2015, I bought Bioshock Infinite for only 1 USD because of Golden Joystick Awards event.
Few weeks ago, I had intention to learn about hosting web application in Virtual Private Server (VPS). I did some researches to decide in which VPS provider I’ll put my money on. Based on people recommendation on Reddit, YoutTube and few blogs, I concluded that there are 3 well-known VPS providers that offer cheap prices for beginner. They are Linode, Digital Ocean and Vultr. I prefer Vultr because they have 2.5 USD pricing with 20 GB of SSD, 1 CPU, 512 MB memory and 500 GB bandwidth. I then created account and found out that their payment options only credit card, PayPal, Bitcoin and AliPay. I tried using my debit card with VISA logo and it was declined. So, I guess the only way I could pay it is by PayPal and ask my friend to send me PayPal money. But, before asking my friend, I was a bit curious because he said he used a service to verify his PayPal. In Indonesia there is rumahpaypal.com that offers to verify and top up money to our PayPal using Virtual Credit Card (VCC). I wanted to try it, but because of security reason and I’ve never heard of VCC before, I decided to read more about it.
Turns out, VCC is really common in banking industry. We can make multiple VCC and remove it whenever we want. I also found out that there is online service that could help us to make VCC for free without bank account. It is Entropay. I doubt it at first but after reading on Wikipedia that Entropay is working with Bank of Valetta in Malta to issue the VCC, I thought I would give it a try. Creating the VCC process is straightforward. If you want to make VCC there you can follow this steps (September 2017).
1. Sign Up at Entropay.com
Just fill all the forms and click Create Account.
2. Sign In at Entropay.com
Type your username and password that you’ve just created.
3. Create New VCC
Click the Cards tab, then click Create Card. If you are a Basic User, you are only allowed to have 1 VCC card. You should upgrade to Standard User to be able to create 5 VCCs. Upgrading to Standard User is really easy. They only ask you to verify your email address and fill up form about your mailing address. If you want to have up to 10 VCCs you can upgrade to Pro User by verifying your identity and mailing address. For me, Standard User is enough.
4. Type Your Card Nickname
They ask you to add nickname to VCC to make it easier for the user in identifying each VCC purpose. For instance, I can create one VCC to verify my PayPal and give it “PayPal” as nickname. So, if I create another VCC for other things I can give “Other Things” as nickname, just to not make me confuse with the PayPal one. After writing your card nickname, click Create Card and voila you have a Virtual Credit Card. But, wait a minute! You can’t use this VCC yet because it doesn’t have the VCC number. The number will be available after you top up your VCC.
5. Top Up Your VCC
Click Top Up button and then you will be asked to choose the top up method either using Credit/Debit Card or Wallet. Choose Credit/Debit Card, click Add New Credit/Debit Card then fill up the form with your Debit Card info. The minimum amount of top up is 5 USD and the maximum is varied depends on your User Type. If your are a Standard User the maximum value is 2,000 USD. Remember, they will charge you a 4.95% fee for topping up, so don’t surprise if the bill in your Debit Card is higher. If you’ve already fill all the form click Top Up button. My debit card has VISA logo and using Verified by VISA to process secure transaction. So, if you also have this, there will be a prompt with a logo of the bank that issue your debit card and it ask you to input one time code which is sent to your mobile phone. Input that code and the top up process is finished.
6. Pay Attention to Your VCC
After waiting a few minutes, you can see the XXXX XXXX XXXX XXXX in front of the card will change to your VCC number. This VCC is valid for 1 year and will be extended automatically 30 days before the expiry date. There are also 2 type of balances that you can see below the VCC. In a nutshell, your Actual Balance is the amount of money that you have currently and your Available Balance is the amount of money that you can use to pay. After topping up, both of them have the same value, but after using it to pay something, the Available Balance will decrease as much as the amount you paid while the Actual Balance is still. Based on their explanation, this is happened because they need time to update the amount of purchase that you’ve made. You can read the full explanation here. Also one thing that you need to know, Entropay VCC doesn’t support Address Verification System, so if a merchant use this system, you probably can’t use this VCC or may be you can call the merchant as suggested by Entropay.
Cool, now we have VCC, lets verify our PayPal account. You can follow this steps, it’s really simple.
2. Click Wallet Tab
3. Under Credit Card, Click Link a Card
4. Fill All the Form
The CSC (3 digits) form is filled with 3 digits of CVV number in your Entropay VCC. For the billing address, just use your mailing or home address. Make sure you fill the information correctly and then click Save button.
5. Wait for Verification Process
As PayPal verification policy, they will charge your Credit Card with small amount of money. There will be a 4 digits code number in your VCC bill that you have to input to your PayPal card verification. In the picture above the code is 1392. In my experience it took few hours for the bill to appear in Entropay VCC and they charged me for 1.84 USD. But, they only refund 1.74 USD to my VCC, so probably there is a fee for verification process. If the verification success you will get email from PayPal that they’ve removed you PayPal limitations. Congratulation!
Thank you for reading. Just for disclaimer, I’m not affiliate at all with Entropay. I wrote this post because I think there are a lot of people having difficulties in verifying their PayPal account without owning a credit card.
I’m not a native English speaker. Writing this post is part of practicing my English. Feel free to give feedback in the comment below about my post or if there is any grammar mistake or misused vocabulary. Thank you 🙂