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Skrill allows for sending and receiving payments in 41 currencies, supporting major credit and debit cards. Restrictions include countries on US and/or EU economic sanctions list. Since 2008, US-based customers could not receive money from non-US Skrill accounts, and non-US customers could not upload funds or send payments using US payment cards or bank accounts. As of February 2013, United States is not included on the list of supported countries.[10]
Skrill accounts can be held in any of major currencies but once the first transaction is made it is not possible to change the account's currency.
Individual customers can open an account with Skrill through registering their email address and certain personal data on the company's website. Completing an optional identity verification process allows sending/receiving higher-value payments. Accounts are identified by email address(es) associated with them; consequently, payments from a Skrill account (other than withdrawals to own bank account or a payment card) are processed by "sending" money to an email address. An email address once assigned to a Skrill account can only be altered or removed with help of Skrill support, and there is a limit of four email addresses per account. An "inactivity fee" is charged on accounts that have not been used for a more than 12 months.[11]
Customers can purchase a Skrill-branded prepaid card, linked to the account, in one of the four currencies: USD, EUR, PLN, and GBP.[12]
High-turnover customers are offered premium membership called "Skrill VIP" that includes additional features, e.g., a security token, multi-currency accounts and the ability to earn loyalty points.[13]
For businesses, Skrill offers a payment gateway, escrow payments as well as web SMS and fax sending services. Unlike some of its competitors, Skrill does not usually get involved in merchandise disputes, and the availability of credit card chargebacks may be limited.

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