Using PayPal and MoneyBookers with CRDB VISA Card

Great Guide Sir!

One or two things though.

2. Secondly, and most important, you need to register for CRDB Internet Banking. Without this service, you will have nightmares using PayPal. It simply won't work.
You probably don't have to.
I don't use the CRDB Internet Banking service, but I use the card online. But, the Internet Banking Service is definately a useful service.

3. Thirdly, I HIGHLY recommend a USD account. I know most of us have TSH accounts. Though TSH accounts works seamlessly with PayPal, I will bet you can't do the same with MoneyBookers. So just get one!
Probably not a good idea. I read somewhere that it costs you more if you have USD account, and if the purchases are done in USD.

I am not sure if i remember the logic correctly, but I remember to have read that due to some BOT regulations, before the funds can be deducted from your account they have to be converted to TZS and then back to USD.

So kwa mfano, if you are buying a $1 item, and assuming CRDB's buying and selling price for $1 are 1300TZS and 1350TZS respectively,
then:
1. CRDB will have to deduct an amount of TZS from you account that will be enough to buy $1 and send it to your supplier.

$1 => 1350 TZS ($1==1350)

2. Since you account is in USD, you will have to buy 1350TZS using USDs in your account

1350 TZS => $1.04 ($1==1300)

So, with the above assumed exchange rate, an item costing $1 will result into $1 and 4 cents being deducted from your account. While if you had a TZS account, 1350TZS will be deducted.

So an item costing $100 will result into $104 deducted from your account.

So there probably may not be an advantage in using a USD account. Na kama income yako ni TZS halafu una-convert to USD ndipo una-deposit kwenye USD account yako, then definately utakuwa unaingia hasara. Kwa sababu conversion itakuwa inafanyika mara tatu:
Once when u deposit, and twice when you are purchasing.

Lakini kama income yako ni in USD, then kuwa na USD account ni convenient, lakini pengine haitakusaidia kuepuka multiple currency conversions.
 
I am not sure if i remember the logic correctly, but I remember to have read that due to some BOT regulations, before the funds can be deducted from your account they have to be converted to TZS and then back to USD.

Let me look into that. I will talk to these guys and post my findings here!
 
Paypal ni nzuri kwa kutuma na kupokea hela toka kwa mtu unayemjua na kumuamini lakini inabidi muwe waangalifu mnapotumia huduma hii kwa manunuzi ya vitu online. Sio kila mtoa huduma/mfanyabiashara mwenye nembo ya Paypal umlipe kwa kutumia card yako ya benki. Paypal wanajitangaza kwamba wao ni safe na wanaprotect wateja lakini sio kweli.

Katika fine print ya user agreement wana hiki kipengele "if they can't recover the money from the seller – you get nothing" na mara nyingi matapeli wa mtandao wanajua hiki kipengele kwa hiyo wanafungua account na paypal kwa sababu nirahisi sana. Wanasema kwamba wanatoa/wanauza huduma/bidhaa fulani kwa kiasi fulani na ukishalipa tu wanafunga account za na Paypal na kupotea.

Paypal haina shida utafungua claim na baada ya muda watakwambia issue imekuwa solved in your favor but hawajarecover money from seller account na usome hiyo agreement baina yako na Paypal na mchezo unakuwa umeisha na umeishaliwa.

Unaweza kusoma hii link na usome kipengele no 13.5 PayPal Buyer Complaint Policy
http://www.paypal.com/cgi-bin/webscr?cmd=xpt/UserAgreement/ua/USUA-outside#pbp-policy

Pia link hii ni malalmiko mengine ya wateja wa Paypal

https://www.paypal.com/au/cgi-bin/webscr?cmd=_buyerclaimfaq&ques=5&coverage_type=besteffort

Ushauri:
1. Kuwa mwangalifu unapolipa au kupokea hela kwa kutumia Paypal
2. Mara kwa mara (Kila baada ya siku moja au mbili) angalia bank statement yako kuona kama kuna malipo ambayo hujayaidhinisha.
 
Nice contribution Economist.

People should be very concerned about where the they buy from.

I recommend buying from a reputable online store, or at least an accredited one.

BBB Accredited stores would contain a BBB Logo (http://www.bbb.org/us/Business-Accreditation/). This gives you confidence that you are buying from someone who is trustworthy and has earned a remarkable trust over time.
 
ndio nimecreate Paypal account sasa mnaniambia kuwa wanaweza kukomba kasalio, inatisha hii wakuu.
 
ndio nimecreate Paypal account sasa mnaniambia kuwa wanaweza kukomba kasalio, inatisha hii wakuu.

Ni salama zaidi kutumia paypal kuliko kutumia card yako moja kwa moja. Kwa ujumla, hakunaga usalama 100%. Pengine huwa kuna kiasi cha chini kabisa cha usalama kinachokubalika.
 
ndio nimecreate Paypal account sasa mnaniambia kuwa wanaweza kukomba kasalio, inatisha hii wakuu.

Like the above post said, nothing is 100% risk free. However, certain risk levels are acceptable and worth taking.

Millions of people world wide are using PayPal. I use it too and so you can be just another one. The benefits simply outweigh the risks!
 
Helo wakuu,
Nimefungua PayPal account. Lakini tatizo linatokea wakati wa ku-link Credit/Debit Card kwenye PayPal account. Kila nikijaribu ku-link hiyo card napata ujumbe huu:
This credit card has been denied by the bank that issued your credit card. For details on why your card was denied, please contact your credit card issuer's customer service department. Or, you may want to try adding a different credit card.
Sasa hapa napata wasiwasi kwamba yawezekana bank za Tanzania hazina link na PayPal.

Kama ndivyo je ni Bank zipi hapa Tanzania ambazo Visa Card zao unaweza ku-link na paypal account.

Mimi nimejaribu ku-link VISA card ya Stanbic Bank bila mafanikio. Mwenye uzoefu na paypal au payments online anisaidie/atusaidie.

Natanguliza shukrani.
 
Na pia wakuu mtusaidie namna ya kuongeza paypal balance kwenye paypal account bila kutumia card, nasikia unaweza kuweka account number ya bank. Na hili je kwa bank zetu za Tanzania lipo?

Bado tunasubiri msaada wakuu
 
Helo wakuu,
Nimefungua PayPal account. Lakini tatizo linatokea wakati wa ku-link Credit/Debit Card kwenye PayPal account. Kila nikijaribu ku-link hiyo card napata ujumbe huu:

Sasa hapa napata wasiwasi kwamba yawezekana bank za Tanzania hazina link na PayPal.

Kama ndivyo je ni Bank zipi hapa Tanzania ambazo Visa Card zao unaweza ku-link na paypal account.

Mimi nimejaribu ku-link VISA card ya Stanbic Bank bila mafanikio. Mwenye uzoefu na paypal au payments online anisaidie/atusaidie.

Natanguliza shukrani.

Jaribu kusearch PAYPAL humu JF, somo hili lilishajadiliwa kwa kirefu sana hapa JF. Kifupi ni kwamba CRDB wana huduma hiyo kama unaacount unayoweza kuiakesi onlaini, ila itakubidi uwafuatilie sana kwa sababu hata customer care wao wengi hawajui PAYPAL! Lakn info zote utazisoma humo, ww search tu.
 
Jaribu kusearch PAYPAL humu JF, somo hili lilishajadiliwa kwa kirefu sana hapa JF. Kifupi ni kwamba CRDB wana huduma hiyo kama unaacount unayoweza kuiakesi onlaini, ila itakubidi uwafuatilie sana kwa sababu hata customer care wao wengi hawajui PAYPAL! Lakn info zote utazisoma humo, ww search tu.


Kweli kabisa....hiyo post himo humu JF!
 
Hey JF,

Tumia CRDB BANK VISA Electron Tembo Card.

Mimi niliverify Paypal yangu kwa kulink Visa Electron kutoka CRDB na Paypal.

Kulink na BANK Account inawezekana kwa bank za Marekani tu.
 
Kweli kabisa....hiyo post himo humu JF!

Nime-search post zote humu ndani zinazohusu paypal account, zilizo nyingi zinahusiana na CRDB.

Vipi Bank zingine hapa Tz hakuna inayoweza kulink na PayPal account?
Vipi hawa Stanbic Bank? Na wenyewe hawalink na PayPal? Maana card yao nimejaribu kulink inaniambia This card is denied.
 
Nime-search post zote humu ndani zinazohusu paypal account, zilizo nyingi zinahusiana na CRDB.

Vipi Bank zingine hapa Tz hakuna inayoweza kulink na PayPal account?
Vipi hawa Stanbic Bank? Na wenyewe hawalink na PayPal? Maana card yao nimejaribu kulink inaniambia This card is denied.

Sidhani kama inategemea aina ya Bank, mi nadhani unatakiwa kuwa na Visa card yeyote inayoweza kufanya online transaction for instance for CRDB you need to have not just VISA card but VISA Electron. Mi nina paypal accound na sijawahi pata matatizo ya kuilink na Bank Account yangu. Nilifanya online transaction for the first time na good news payment options zilizokuepo ni pamoja na paypal so nkaclick pay by paypal nkafanya registration including details za card yangu nlivyomaliza nkaendelea na payment verification ikawa successful. since then nimekua nkinunua online and whenever I click puchase automatically kama kuna option ya paypal basi zinatokea paypal details zangu ready for payment. But mi natumia Barclays VISA Card ya UK.
 
Sidhani kama inategemea aina ya Bank, mi nadhani unatakiwa kuwa na Visa card yeyote inayoweza kufanya online transaction for instance for CRDB you need to have not just VISA card but VISA Electron. Mi nina paypal accound na sijawahi pata matatizo ya kuilink na Bank Account yangu. Nilifanya online transaction for the first time na good news payment options zilizokuepo ni pamoja na paypal so nkaclick pay by paypal nkafanya registration including details za card yangu nlivyomaliza nkaendelea na payment verification ikawa successful. since then nimekua nkinunua online and whenever I click puchase automatically kama kuna option ya paypal basi zinatokea paypal details zangu ready for payment. But mi natumia Barclays VISA Card ya UK.

Nashukuru kwa maelezo yako. Kwa Tanzania je?
 
Jaribu Standard chartered Visa Electon.

lizy

Nashukuru, lakini hapo maana yake nifungue account katika Bank hiyo, halafu mpaka ikamilike na kupata Visa card inachukua hata miezi miwili.

Mimi mwenyewe nimefungua account Stanbic Bank Septemba 17 kadi nimeipata wiki iliyopita.

Ok, nitajitahidi mpaka nipate ufumbuzi wa tatizo hili.
 
Nashukuru, lakini hapo maana yake nifungue account katika Bank hiyo, halafu mpaka ikamilike na kupata Visa card inachukua hata miezi miwili.

Mimi mwenyewe nimefungua account Stanbic Bank Septemba 17 kadi nimeipata wiki iliyopita.

Ok, nitajitahidi mpaka nipate ufumbuzi wa tatizo hili.

Sijui unatumia kadi ya benki gani lakini kama CRDB, inabidi kwanza ujaze disclaimer form kule CRDB ndipo waiwezeshe kadi yako ku-link.
 
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