* PayPal Setup
PayPal allows its customers to hold one Personal Account and either one Premier or one Business Account. If you do not have both accounts go to PayPal and set them up.

* Zen Cart Setup
Enter your PayPal Premier or Business account information into the administrative install function at Modules > Payment > PayPal (IPN or PayPal Express Checkout).

* Test Purchase
Enter your store and use your PayPal personal account to make a test purchase.

* Refund Your Purchase
Enter your PayPal Premier or Business account overview at PayPal. Click on the details link for the purchase you just made. Click on the Refund Payment link and follow the instructions to fully refund your purchase.