Use and Verify Paypal without Credit Card [Legal Method]

paypal_logoThis post will for all Indian residents who regularly use PayPal for sending or receiving money.

For adding funds in your PayPal account & lifting limits you would need a credit card. But as we all know not everyone is interested in having a credit card or some people are ineligible to be issued a credit card. A credit card can only be issued to a person above 18years of age and earning regular income.

First why not use Virtual Credit Card (VCC)…

Many people to use a Virtual Credit Card (VCC). But I don’t recommend it because the purpose of the PayPal verification is to validate your personnel information. Their goal is to verify the information given by you is correct. VCC’s cheat the system and do so in such a way that compromises the entire network. So even if you were able to verify using VCC, there is constant risk that PayPal might detect it and freeze your account. That’s why I don’t recommend using a Virtual Credit Card (VCC).

Use E-wallet by ICICI Bank

E-wallet is a VISA card issued by ICICI bank. It works exactly like a normal credit card and it is accepted on all online stores(including PayPal). It would be issued under your name.  You will also get regular online statements for it.

It is different from a normal debit/credit as:

  1. you won’t get a physical card.
  2. you have to fill it before doing any transaction via B2 Internet Banking. It works like a prepaid debit VISA card

How to Get an E-wallet

E-wallet service is a Part of ICICI b2 saving account. For getting E-wallet service you have to Apply for a B2 account. To know more about ICICI branch free banking service visit b2 – Homepage. You can also more about it on my blog.

Eligibility and charges: Its a free service without any charges and is available to all Indian residents. b2 account is also a zero balance account, so do not worry about minimum balance.

Verifying PayPal with E-wallet

  1. After your b2 account is activated (it takes 10-15 days) and you have moved money into this account via NEFT or Cheque deposit, login into your account. In summary tab, Under E-wallet Section click on “Allocate Funds”.

    Allocate Funds
    Allocate Funds
  2. Now Click on “Fill now” and follow other onscreen directions. If it asks you to enter few grid values from security card and you won’t know what to do, probably you haven’t received your security card yet, please wait for few more days. security card will be sent to you via postal mail.

    Fill Now
    Fill Now
  3. Please remember to fill your E-wallet with Higher amount like Rs2,500/-. Doing Transactions with international merchants in foreign currency need some extra balance. Don’t worry after completing verification you can withdraw this amount.
  4. Logon to you PayPal Account and go to Add your Card form to-do list. Now enter your E-wallet card number and other details. All this details can be found in your b2 saving account. check in Card > E-wallet
  5. Wait for 2-3days and check statement of  your E-wallet for 4-digit PayPal code.  Statement can be found in Card > E-wallet section > View statement

    View Statement
    View Statement
  6. Now login to your PayPal account and enter that four digit code! After you have successfully confirmed your card, PayPal will refund you that $1.95 USD.

Congrats, now you are a verified PayPal member and you have done that without using any unfair means.

Links: ICICI Bank b2 Homepage


[Editor Note: This post is by guest blogger Gaurish Sharma. He blogs at Gaurish Sharma Live about technology.

If you too like to write for Devils Workshop, please check this. Details about our revenue sharing programs are here.]

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135 Comments…

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  1. Hey! Thanks for informing!

  2. Thanks a lot..this is very useful..
    Almost 200$ are there in my paypal and I was unable to verify it with my ICICI debit card….

  3. Thats a new thing for me… Never knew it before… would be useful for me, let me go through more details later on. Thanks for info :)

  4. You solved a big problem of mine.. Thanks :)

  5. guys.. in the register form.. i didnt find my state .. Mizoram.. someone inform.. the b2.icicibank.co.in Admin :P thanks.. for the information.. anyway…!

  6. I am Glad that you Liked it, Thanks for reading this post

  7. hey nice after so many years of trying now i am happy i can use pay pal thanks

  8. you are welcome, Richi!

  9. Useful post. Thanks Gaurish.

  10. Thanks Gaurish, I was searching for some time how to verify paypal without credit card. I am also not sure about virtual credit card. Now I will try the way you provided.

  11. I am already veryfied with my credit card and backaccount. I think there are lots of people in India who need that. They don’t have verified paypal.

  12. @Bapun,Ram and Aditya
    Thanks for your encouraging Comments

  13. Thanks Gaurish
    Always needed this :)

  14. hi im loriedee from phil i want to buy a products on natural products but i donot have a credit card..How can paypal help me i realy nid the product …asap

    • @loriedee
      I guess best option will be to use some friends credit card. Because method described above is for Indian users only.
      There way be similar method for your country by the way. Please try searching it.

  15. @Gagan
    Which Link is not working?

  16. dude in this there r only main cities like if andhra pradesh is der then its not for all ap people but only for hyderabad resident people only .

  17. under 18.. want money to pay for my game possible method? plz reply…

    • @Richi
      Sorry to know that.

      @Rajesh
      Cant help with your problem.
      May be u can ask ur dad or elder bro or someone in your family/friends with credit card to pay your bill.

  18. hey!!
    i got an axis bank debit and wondering whether they have any service with ebanking too. and i need to verify mine soon.

  19. hey!
    i don’t have an icici bank account and i don’t live in the cities listed. can i still make an e-wallet juts for verifying paypal and some transactions online.

  20. Plz Help. After I Add All The Details It Is Showing An Error Saying, ” This card has been disabled for entry into the PayPal system. Please add a different card “.
    What Shall I Do Plz Help.
    It Is Very Important For Me To Have A Verified Paypal Account.
    Reply Me Fast.

  21. @Rossi

    No, its not possible to create an ICICI B2 a/c unless your city is listed on their database. (Even am facing this problem)

  22. I Am From Bangalore And I Already Have A B2 Saving Account Provided My ICICI Bank. The Problem Is After I Add The Virtual Credit Card Detail Provided By e-wallet In Paypal Account It Is Showing A Error Saying, ” This card has been disabled for entry into the PayPal system. Please add a different card “.
    What Shall I Do Plz Help.
    It Is Very Important For Me To Have A Verified Paypal Account.
    Reply Me Fast.

  23. @Naveen

    Did you contact paypal? what did they say?
    If everything else fails, you can contact ICICI B2 support team to generate a new card number for you :)

  24. hi, nice article …
    but my question is can it used by someone outside india
    thanks before

  25. @AKM
    E-wallet is not a VCC. its a Prepaid VISA card. its 100% legal as you get monthly statements and the card no is not dynamic. In E-wallet numbers never change.

    Its pretty safe to verify with E-wallet

  26. syahrir
    Only if you can manage to get a Icici b2 account which is highly unlikely;)

  27. Do I have to insert the E-wallet card number OR the Virtual Credit Card Number during Paypal verification ? Do E-Wallet card have CVV number ?

  28. I just now called the paypal customer care…..to confirm whether i could verify my paypal account with “SBI Yuva Debit Card (VISA)”, …

    and to my surprise they said YES u can untill its is under the VISA recognition BELT.

    I asked them about the absence of 4-digit pin in the statement (as mentioned by cooldude_007 in the first post of this thread)… to which he (customer care guy) replied that u need to go down to ur branch and get the TRANSACTION BRIEF in which the code may be present.

    So no need to give ur Acc No. to anyone…

    ya …. it has some work to be done..

    but its better the compromising ur security of ur hard-earned money !!!

  29. Thanks.You have been extremly helpful with this post.Now I am verified with paypal.I was not being able to get a credit card because I am only 18 and a student.But now I have a verified paypal account and I have been able to buy web hosting and domain name online which was my main aim.
    For your information my website blog is:-

    http://jokesforfolks.com/

    Thanks once again

  30. No use, At present B2 account dont have e-wallet link. So we are unable to connect my b2 card to paypal… any ideas !????

  31. Thanks Gaurish U Solve a major Problem of Much Indians

  32. @bryce
    If its a recently activated account you have to wait upto a week before e-waller and other numbers are generated for you. for further queries, chat with customer care

  33. There is also a HDFC Bank VCC that u can use. That is legal too and thats free as well!!!

  34. HI GUYS,
    I am from Kerala but i live abroad can i use this service

  35. @Manojj
    Sure, if you can come down to Kerala to sign documents :)

  36. hii Gaurish ,
    hey i have no icici saving account can i creat B2 account and pancard nessery to creat account ???plz replay me

  37. The suggestion which Gaurish has offered is also a good one.

  38. But I don’t really agree that VCC are not good as you’ve said.
    The sole idea and logic behind VCC is security for the people who don’t want to disclose their actual credit card credentials.
    I have worked with visavcc.com and most of the people abroad prefer to use VCC for validating their accounts.

  39. Hey dude,

    I have opened the b2 account after reading ur blog and it is active now.
    However, I could not find the “E-wallet Section ” section in the summary tab.

    Has the bank removed/closed this feature?
    Please reply at the earliest as I need to register with PayPal urgently.

    Regards,
    Sachiien

  40. Hey guys,

    I have opened the b2 account after reading ur blog and it is active now.
    However, I could not find the “E-wallet Section ” section in the summary tab.

    Has the bank removed/closed this feature?
    Please reply at the earliest as I need to register with PayPal urgently.

    Thanks,
    Veera

    • @Veerapathiran
      As far I know, the purpose of B2 accounts is to make such online transactions..
      So, you check it out again. Else you can contact ICICI customer care for it

  41. thanks yaar it really helps lot of people

  42. Hi Buddy,

    i am not residind in india, can i still make use of this

    service to verify my paypal account? pls reply.

    Thanks.

  43. nagpur is not in list how to sign up

  44. Can i pay paypal using b2 branchfree banking?

  45. :(

    i registerd on b2.icicibank.co.in on 10th Sep, 2009. but Till now i couldn’t get any Executive for Collect my Documents.

    :(

  46. b2 is currently present in “select cities”

    mine city is not there :(

    any another way

  47. arey dude …wt 2 do ..it askz 4 company adress n al ..m 4m mumbai n stil a student

  48. dear sir
    for skype net phone recharging purpose iam using regularly HDFC-netsafe virtual credit card (INR to US dollers).sir above same
    facility shell we get SBI and CANARA banks,if avaible please
    inform me how to get above facility
    thanking you
    best regards
    ravinderjakku.Bp-07,lome,TOGO,west africa

  49. I never knew this before. Gotta thank you! :)

  50. Can I use SBI debit card Maestro for PP?

  51. This is a real great tip. I tried using AXIS ATM Card, SBI Debit card but no use. I am in Chennai and now I have applied for a B2 account online. They will be collecting my documents in a day or two hopefully! I was about to buy VCC and this post saved me :)

  52. How can i add fund to paypal using b2 account

  53. Very useful information. Thank you friend.

  54. Hi,

    I have a B2 a/c and e-wallet card as well. I tried linking my card in Paypal with the e-wallet details. It went fine in the first page where I entered my e-wallet card number with the 3 digit security code number. However, when it came to “Confirm my Card”, I clicked on “Save & Continue” button. It displayed an error message, “We were unable to verify this credit card. Please check if the information you entered is correct. If the problem persists, please try to enter a different credit card.”

    Can you tell me what could be the possible reason and how can I resolve it, please?

    • @ Rachel
      In your B2 account statement, you will see a debit of Rs. 100 (approx) with a corresponding verification ID which you’ll have to enter on your paypal account to verify your account! Simple. :)

  55. Entering your E-wallet card number for making paypal account is fine, but what about the CSC the 3 degit number at the back of the credit card that they ask for at the time of making the paypal account.Thank you.

  56. @Deepak Jain
    No its incorrect. security won’t contain anything like that.

    @Altamash
    as mentioned in post,
    Wait for 2-3days and check statement of your E-wallet for 4-digit PayPal code. Statement can be found in Card > E-wallet section > View statement. check point no.5 for screenshot

    • @Gaurish
      Thanks for correcting me. But, I guess, Altamash’s question still remains unanswered. What should someone do when asked for 3 Digit CVV number?

      @Rache
      May be trying it out again may help. About payment through eWallet, I am not sure but it seems we can do it. Gaurish may clear this as he have already used this service.

      @DestinyAngel
      You can purchase a VCC to verify paypal, but that’s considered to be illegal and against paypal’s terms.

  57. Deepak,

    I got your point. Yet, I don’t see any transactions under my Cards. It says “No transaction Details”. I remember receiving an SMS saying the debit of 1.95 USD has been denied. I wonder why! :(

  58. One more question – Can we use eWallet like Credit Card in Paypal? Say for example, my eWallet is loaded with some 5000 INR. My paypal has zero balance. Can I still pay to someone through my Paypal because my Paypal is linked with eWallet card and hence paying by Paypal will result in debit from my eWallet. Is that possible?

  59. Hi could someone out there help me with my problem, I need to verify my paypal acount, I’m from phil. but i don’t have credit or debit card yet, could it be possible for me to use that e-wallet, it is free? please help me thank you

  60. I got your point. Yet, I don’t see any transactions under my Cards. It says “No transaction Details”. I remember receiving an SMS saying the debit of 1.95 USD has been denied. I wonder why!

    there must be a reason mentioned along with that, reread that SMS and findout normally it happens if the entered detailed(card no,CVV,Expiry etc ) are incorrect or there is no sufficient balance.

    Rache
    One more question – Can we use eWallet like Credit Card in Paypal? Say for example, my eWallet is loaded with some 5000 INR. My paypal has zero balance. Can I still pay to someone through my Paypal because my Paypal is linked with eWallet card and hence paying by Paypal will result in debit from my eWallet. Is that possible?

    Yes, this is exactly how it works;)

    Deepak Jain
    Altamash question is already answered in main post itself. Point no 4, CVV is also displayed in that section along with other details

  61. hello,
    I have still a problem. what debit card is support to paypal and I deposit money to our paypal account.

  62. Hi I cant give the address as my city is not in the list. What can I do now.

  63. Hi. ai have problem to register in b2 web sites, when ai are in STEP 4 and ai agree term in last term ai dont clikc in, when ai click, ai have open a log where write : Please read the TERMS and Conditions fully till end before agreeing / where have problem, please help!

  64. Sir,

    I have account in paypal and i am not able verify my account. You said we can verify by ICICI Bank-E-wallet method.

    Recently anybody verified by this method?

  65. Hi,

    I will give a try and if it works…it will be great treasure hunt info for me..you rocks dude..hats off..hope it will work flawlessly for me.

    Regards,

    Mohammed.

  66. This site is removed as SBI has stopped supporting payments without VbV.

    All Debit Cards will not work in PayPal or any other site without VbV with effect from 16-December-2009

    Sorry for the Inconvience Caused.

    http://paypal.statebank.org.in/

    how to verify paypal now with sbi debit card ?

  67. I have one problem,
    I am a college student & we have a shop,
    in that form they are asking about company name & all info (in 3 step).
    so what to do ???
    and i don’t have icic account.
    Please tell me can i get b2 account ?

    Please reply Urgent.
    Thank you.

  68. @Jinesh
    I have already discussed this on my blog(http://www.gaurishsharma.com/2008/12/icici-b2-banking-true-internet-banking.html) so copying verbatim from there:

    One problem you might face is in step-3 that name of your employer might not be on the list. no problem, simply click on “O” and select “Others”. if you are unemployed like you are still studying then simply write “NOT APPLICABLE”.

    Hope it helps

  69. What about the individual salery that they ask for in the first stage and the company details that they ask for in the secound stage. You say that this is for all Indian resedences so that should include house wifes,students and unemployed people also. Thank you.

  70. Add Funds is Not Available

    PayPal does not currently offer the ability to add funds from your bank account.

    When you make a payment, PayPal charges the buyer’s credit card and instantly credits the seller’s PayPal account.

    dis is da message which i get when i try to add funds….my a/c is also showing me a balance on $1.95USD….dats means its ok…but still i cant add funds to my account…y????..my account shows verified…plzzz help

  71. I have submitted the application and got my account activated. Now, when I ask the Chat support guy about the Virtual Credit Card number. He says that I have to wait 6 months to get it!

    6 months!! Anyone had the same experience??

    @Altamash ..I know..they have a crappy application form

  72. @Arpit Kaushal
    you are all set, your account is verified. just add fund to your E-wallet and use paypal to make purchase/payment.When you make a payment, PayPal charges the Ewallet.

    @Suhas
    No, don’t use VCC. its something else. Verify with E-wallet, read the above article again for exact steps

  73. Hi,

    OK, I just click on “Fund” and add Rs. 2500. After that, I’ll find an option called “E-wallet”.

    Right?

  74. I have got everything with B banking but the main problem is when I add card to my pay pal account it asks whether its Visa, American Express or Master card so tell me what do I choose in that option? and do you think adding your e wallet number in card number section will work because I could nit find any e wallet related article in e wallet…..

  75. keep up the Great Work mate !!!

  76. i have IOB credit card, when i try it to link with paypal, always one msg display “We were unable to verify this credit card. Please check if the information you entered is correct. If the problem persists, please try to enter a different credit card.” what i do now?

  77. @ Mr.Deepak

    Can you please tell me the details about the minimum amount of money I must have in my B2 account in order to verify my paypal.

    Thanks in advance.

  78. Hi Deepak,

    I have transferred some amount in my b2 saving account, now I would like to fill my ewallet. But my query is am not getting “Fill ewallet” option anywhere on site. Nor in cards neither in Summary tab. So kindly highlight the exact steps involved in filling ewallet. I do have security card with me. Or it seems that this feature is temporary disable by b2.

    Awaiting for your reply.

  79. This only work for India? Please answer me

  80. @Desty It works for Indian residents’ accounts only.

    @Soaurish Nath Thanks.

  81. I want to create a paypal account,but if i sign up for my account in http://www.paypal.com the debit card number is not valid and what is the CSC code? which i have not heard before.please help me in solving this problem,i’m in a need in creating my paypal account.so send me your response as soon as possible
    PS:I’m using southindianbank debit card,if u could send me a demo video or screenshots of creating a paypal account using sib atm/debit card,i’ll be grateful

    regards,
    Vishnu babu R.M

  82. Heard of this Ewallet for the first time. Nice idea but only problem is that when I filled application form. Mumbai, Pune and Thane are the only cities supported in Maharashtra. I am from Nagpur :(

  83. I have registered with b2 account from 9th Jan 2010, still they haven’t activated my ewallet. totally pissed off.. They are not providing good customer support. If anybody have number to contact any higher authority please share.

  84. its nice. but sad to say b2 account is not available in kerala.

  85. how to withdraw that amount which is in b2 saving acount after activation of paypal? if i dont have any other account anywhere as it will be my first account? do I need other bank account to deposit money in it ? as it can be deposite only by cheque or Neft not cash.

  86. Hi friends,
    Now you can verify your paypal account using the account of any nationalized bank in india. I used UNION BANK OF INDIA and finally i got verified paypal account. Its as simple as 3 steps, just link your bank account details along with IFSC code. Then select the option for verifying your paypal using this bank account. Paypal will deposit two small amounts to that account with in two or three days. Enter that amount in paypal get verified page and immediately you will get your account verified.

  87. well i preffer using http://www.verifypaypal.net service…
    they are excellent,fast and secure.
    they claim : ” instant or free ”
    Real A+ service on internet
    http://verifypaypal.net

  88. just tried this http://www.verifypaypal.net it all in details and live in http://www.verifypaypal.net ,i got instant verified here.. 100% working …
    fast , secure and trusted brand for verifying paypal.
    so get paypal verified with out credit card ..i highly recommend it :) thanks.. jack and mariya

  89. paypalvcc.com are very good their service
    and the support are very good 5/5
    i complete my paypal verification in 5 min
    Thnx http://www.paypalvcc.com

  90. i paid for a vcc and confirmed my paypal account in a couple of hours…so i guess they deserve a 5 star +

    Highly Recommended http://www.paypalvcc.com

  91. whil de giving my debit card detail its ask csc and i dont know where its presnt on debit card can u help me …i think csc code is on credit card ……..i can i do .. plz give me solv
    thnx

  92. I finally have made my b2 account and got my ewallet activated. What I want to know now is wheter I can renew my ewallet card after expiration

  93. Thank u very much Gaurish, The way you have explained the entire process step by step elaborating each point is excellent.

  94. Hello admin,
    can you tell me is it still working?
    and if i got verified then is there any chance paypal will again ask for card?
    waiting for your answer as i need to verify my account

  95. “Thank you” Gaurish Sharma. I finally made my B2 account on JUL 9 of 2010 and now have my e wallet activated and functioning. I now have a legal verified Pay pal account. “Tank you”. I am very happy now.

  96. Thank you for this valuable information, its very helpful for verifying my paypal…

  97. Hi ,
    Is methord still working. I have a question ..can i we withdraw the money from paypal using ewallet.
    Thanks.

  98. can we verify our paypal account with the help of a debit card which is issued by Bank Of Baroda and affilated via VISA

  99. I have verified paypal account through my SBI a/c.
    Now my question is can i transfer money from my sbi a/c to paypal through net banking ?
    If yes then how, if no then tell me its alternate.

    Thanks :)

  100. my question is i already have a verified account & a good balance in my paypal account but still i am not able to make online purchases it keeps asking me to add a card to make payment.

    • Yash, per the new rule of RBI, one cannot make direct purchase or use their paypal funds. You need to withdraw that amount in your bank account and you need to use your credit card to pay online.

  101. Yash, per the new rule of RBI, one cannot make direct purchase or use their paypal funds. You need to withdraw that amount in your bank account and you need to use your credit card to pay online.

  102. it’s not for all countries m8..it’s sad

  103. will there be any difference between regular credit card and virtual credit card.

  104. This credit card has been refused by the bank that issued your credit card. For details on why your card was refused, please contact your credit card issuer’s Customer Service department. Or, you may want to try adding a different credit card.
    trying to verify my pay pal account with sbi Yuva debit card
    please guide
    some points
    my bank account name start with my name & ends with surname
    but my paypal account start with surname & ends with name
    this will work or not please guide

  105. hey sir,.,
    i have doubt..
    is the payapal service is free?
    i dnt knw well., plz say sir about this.

  106. can we still pay from e wallet to paypal

  107. Now paypal doesn’t accept any VCC.. and dont even try this because when paypal try to make transaction through it paypal immediately limit your account

  108. Is it b2 still working? Because I am facing problem, though my ewallet has amount, I am unable to pay invoice in my paypal account. Please update.

  109. I have axis bank E-wallet card similer to ICICI. But i tried it with paypal it is not accepted.. please help me.

  110. plz….tell me is this work in india current time and can i verify my paypal a/c in india by using e-wallet

  111. i do not live in india
    if i used the address of a friend who is living in india
    can i then use this verifying method (ICICI Bank b2 ) ?
    will the ewallet then verify my paypal account successfully ?
    ((please notice that my paypal account is not in india , but the ewallet &ICICI Bank will be in india will it work ? ))
    you have my email please contact me and tell me if it will work or not .

  112. I tried this method and not verified and my paypal account still in limited. what should i do for verified account?

  113. hi admin can I withdraw my money from my b2.icicibank.co.in account to my local bank account if yes so please mail me or reply to this post here..

    thanks

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