If you would like or have started to earn and transact business in the Web, they you most probably have heard already of PayPal. Paypal claims that it provides a "safer, easier way to pay online". That is true.
However, if you are NOT a holder of an active credit card (Master Card, Visa or American Express), then you will not be able to enjoy the full privileges of having a PayPal account. Why? Because you need to "link and confirm your card to get Verified and lift limits on your PayPal account."
You can sign up for or create a FREE PayPal account but until you get Verified, you will not be able to withdraw money from your PayPal account.
With an Unverified PayPal account, you can ONLY perform the following transactions:
1. Send money from your PayPal account to another's PayPal account. Sending Limit is $500.00 USD. The "Sending Limit is the maximum amount of money you can send through PayPal before you link and confirm your debit or credit card."
2. Receive money from another PayPal account to yours.You can also accept payment through a Credit or Debit Card transaction. However, "you can (only) accept up to 5 credit or debit card payments per year at our low per transaction rate."
3. Request Money or Payment from another PayPal account holder. I think there is no set limit here.
4. YOU CANNOT withdraw from your PayPal account and transfer your PayPal balance into your local bank account. With an Unverified PayPal account:
a. Your Monthly Withdrawal Limit is ZERO. "The Monthly Withdrawal Limit is the maximum amount of money you can withdraw each month from your PayPal account."
b. Your Total Withdrawal Limit is ZERO. "The Total Withdrawal Limit is the maximum amount you can withdraw from your PayPal account if you have not been verified. Once your Total Withdrawal Limit reaches a zero amount, your Monthly Withdrawal Limit will be zero as well."

This is where
AlertPay comes in. With
AlertPay, you can transfer your money from your
AlertPay account to and withdraw it from your local bank. -- WITHOUT CREDIT CARD VERIFICATION! Of course, with AlertPay, you can avail of all the other usual services that an online payment system like PayPal offers like sending or requesting funds to or from other
AlertPay members or payment facilities such as banks and credit card companies.
From the
AlertPay Account Verification FAQ page:
Q: What if account verification? Account verification identifies who you are as a KYC (Know your customer) policy. It's important for the AlertPay network that members identify themselves by submitting documentation to protect our members against fraud. At any time, AlertPay can ask you to become verified.
Q: What type of verification documents can I provide to AlertPay? AlertPay requires a copy of 1 proof of address and 1 photo identification for verification. Please ensure that all four edges of the documents are visible.
Photo identification can be one of the following:
* Driver's license
* Passport
* State ID, Country ID or Photo Medical ID
Please submit the back of the identification if the expiration date is located on the back.
Proof of address must show your name and address and be dated within the last 6 months. You can submit one of the following:
* Utility Bill
* Phone bill
* Credit card statement
* Bank Statement
Q: Is verification necessary to add, withdraw, or transfer funds? Verification of an AlertPay account is not necessary in order to, add or transfer funds. We believe verification increases the security of our network as we are able to verify and authenticate users. Although not necessary, verification is highly recommended.
In some cases, when transactions involve substantial amounts, our security center may ask some members to verify their AlertPay account in order to proceed with their transactions.
And more, you can even earn by referring people to
AlertPay (which is what I'm doing right now): "Each time you refer someone to
AlertPay, you could earn up to $10 USD. The more people you bring to
AlertPay, the more we will reward you. Helping you earn more money -- think of this as our way of saying thank you."
So, if you're tired of online payment hassles, then check out and sign up for an
AlertPay account. It's a great alternative to PayPal. ;-)