My First PayPal Withdrawal: SUCCESS at Friday, July 18, 2008

I am happy to report that my first PayPal withdrawal to my UnionBank EON card was a success! I withdrew the amount of 204USD on Friday, 11 July. PayPal took out their 5USD withdrawal fee. I was hoping that the money would come in Tuesday or Wednesday because I've read from other blogs that they received their withdrawals after only two business days. Sad for me, it took 5 business days for it to be transferred to my EON account.



I was checking my online account every single day, waiting for the amount to come in. I even checked through the ATM this afternoon and it still wasn't there. As per PayPal's website, the standard withdrawal timeframs is 5-7 business day which means you cannot report a missing withdrawal until after the 7th working day. I was starting to worry but again, it was a success.


Some things I learned from this:

1. You can withdraw the amount even if you have not finished the Expanded Use Process. I did this and what happened was they just deducted the amount I withdrew from my daily withdrawal limit. I do, however, recommend immediate confirmation of your card after you add them to your PayPal account.

2. Stick to the timeframe. The other bloggers might have just been lucky.

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PayPal and Phishing: You're account is Limited? NOT at Friday, July 18, 2008

Have you received an email saying your PayPal account has been restricted or is limited? Are you being asked by that email to log in and confirm your information? Did they ask you for your credit card information as well as your bank account?

If your answer is YES to all of the above then I suggest you contact PayPal ASAP, like NOW. (Call: +1-402-935-2050) You have been a victim of an internet scam called PHISHING.


From Wikipedia:

Phishing is the criminally fraudulent process of attempting to acquire sensitive information such as usernames, passwords and credit card details, by masquerading as a trustworthy entity in an electronic communication. Communications purporting to be from PayPal, eBay, Youtube or online banks are commonly used to lure the unsuspecting. Phishing is typically carried out by e-mail or instant messaging,^[1] and it often directs users to enter details at a website. Phishing is an example of social engineering techniques used to fool users.^[2] Attempts to deal with the growing number of reported phishing incidents include legislation, user training, public awareness, and technical security measures.

Here are the steps to prevent yourself from being a victim:

Sample of a Phishing email I received

1. Check if the email is coming from SERVICE@paypal or SERVICEINTL@paypal.com. These are the only official PayPal service email addresses.

2. The email should address you by your FULL NAME as it appears on your PayPal account. Most phishing emails would start by saying 'Dear PayPal member, Dear eBay member' That should automatically raise a red flag.

3. The only time that you should be entering your information on PayPal is a) upon sign up and b) if you are changing or adding that piece of information. They won't ask you to add it just for any reason.

4. Don't be fooled by the overall look of the site. Most of these sites really look like the original but they're not. There should be visible imprints of fraud like sentences that don't make sense or typographical errors. Make sure you keep an eye on this.

5. Make sure you call or email PayPal or the financial institution before proceeding with the so-called verification process online. Verify and confirm if you indeed have to do what is indicated on the site.

Hope this helps. For questions, post a comment.

What is PayPal's Expanded Use Number? at Saturday, July 12, 2008

After getting your Unionbank EON card, you have to add it to your PayPal account. Some people think that just by adding this, they can now access their PayPal balance and make withdrawals. Truth is there is one final step before getting your blog's earnings. It's called the Expanded Use Process.

Simply put, it's a way for PayPal to verify ownership of the card added onto the system. We all know there are tons of people out there who use other people's credit card information online. As a precaution, PayPal does this verification.

Here are the steps to complete this:

1. Add your Credit card

2. PayPal will prompt you to verify your card through the Expanded Use Process

3. PayPal will charge your card $1.95 as authorization. This will be refunded to your PayPal balance within 24 hours from the time you confirm the card.

4. The $1.95 charge will appear on your card as well as a 4-digit Expanded Use Number which would appear as EXPUSE*XXXX. Normally, it takes 3-5 business days for this to appear on the card statement but those who have access online may be able to see it right away.

5. After obtaining the 4-digit code, log in to your PayPal account. Go to PROFILE --> ADD/EDIT CREDIT CARD.


5. Click on ENTER PAYPAL CODE. Then enter the Expanded Use Number. You will receive a confirmation message if the code is correct.

WARNING! WARNING! WARNING!

DO NOT attempt to guess or put an incorrect Expanded Use Number as it will completely block your card in the PayPal system.

Hope this helps. For questions, post a comment.

PTC: Click and Earn easily at Friday, July 11, 2008

It was my friend Rafols who introduced me to the Paid-To-Click (PTC) phenomenon online. It's easy and you really get paid! Unfortunately, I cannot show you my own payment proof since I still have to hit the minimum withdrawal. Here are two of the PTC programs I trust because they really pay their members.

HOW DOES IT WORK?


Basically, you need to sign up for an account. Each day, they ask you to view several ads by clicking on links. The ad will open up a browser showing the advertiser's website. The ad page needs to be open for 30 seconds. After that, $0.01 will be credited to your account. Easy!

You'll earn more when you refer members. Aside from a referral bonus, you also get a portion of their earnings. The more referrals, the more bucks!

Here are some of the PTC programs I trust because people have proven that they do pay:

THINKBUX

My current favorite! They have a low payout of $5.00 and they pay through PayPal.

CLIXSENSE

My very first PTC program. They pay for referrals but they don't take PayPal. Check will be sent when you hit the minimum payout requirement.

BUX.TO

Great program! There are so many payment proofs (real ones if I may add) online. The only downside is they don't accept PayPal. They only take AlertPay which does not have a Philippine site. They will send you a check through Alertpay.

Finally - My EON Card has arrived! at Thursday, July 10, 2008

For those who want to know more about PayPal, please google them or go to their site. A lot has been said about PayPal. All I can say is, it's safe and it works! I can't tell you how happy I was when I found out that PayPal would be launching a Philippine site. I didn't sign up right away when it was launched. I just found out from my editor at the Inquirer (through her personal blog) that PayPal has indeed reached Philippine shores.

Bank accounts/debit/credit cards from major bank accounts can now be added to your PayPal account. I will list the bank codes of most Philippine banks. What most bloggers recommend is the Unionbank cyberaccount called EON. Everything is done online (except the application) and I heard that transferring money to the EON account is faster than most banks. I will have to put that to the test though.

Getting an EON card is supposed to be VERY easy. They used to allow online application but recently, they stopped doing that. So I had to go to the nearest Unionbank branch. I filled out a form, gave a photocopy of two government-issued IDs and was asked to wait for 3-5 business days.

Tick tock. Three weeks have passed but still no EON card. I called them each week and the bitch who always answers the phone said there seems to be a delay and so I really have to wait. Fine. I'm okay with waiting. I understand that there might be a lot of people who are also trying to get one. I was pissed when I received a letter in the mail (dated June 26) saying 'Welcome and Thank you for being a new patron" -something like that. If their system prompted them to send me a letter, then definitely my cyberaccount is already existent.

I called them up to follow-up and it was again the same bitch who, not only was not helpful, she also talked over me and almost hung up on me. I called their head office to file a ticket for this missing EON card. Within 24 hours, the card mysteriously appeared on the phase of the Earth. I was asked to go to the same branch to get the card.

I paid 350Pesos for the annual fee. The card is finally here:

I've signed up for the online cyber account. Now all I need to do is to wait for confirmation (which will take 2 business days) and I can finally withdraw my first batch of earnings. YES! my first PayPal withdrawal! I can't wait!

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PayPal Earnings Report 8 July 2008 at Tuesday, July 08, 2008

Since this is my online journal about making money online, I figured I should have an honest and accurate report on my earnings. Hence, I will start this PayPal Earnings Report this month. To track my earnings, I keep an excel sheet so I will know who paid me, when I'm going to get paid, who hasn't paid yet and how much I've earned from each program I signed up for.

As you can see, my biggest money-making engine is Blogvertise. In fact, I received three payments from them today alone. I am expecting more. To date, I've made almost 400USD and that from writing the first sponsored content in May. I earned my first payment through PayPal the following month.

SocialSpark is my second biggest money-making engine. The reason why I haven't written about it is because I decided to write about these money-making sites once they've paid me through PayPal. Until then, you can read my other post about SocialSpark and IZEA on Boink.