Paypal Credit: Your Reusable Credit Line

Load your PayPal app with your cards and banks, and skip entering your info every time you pay. Or pay right from your PayPal balance with the PayPal Debit Card.1 Need some extra time? The availability of certain payment methods may be limited based on that particular seller or the third-party website you are using to complete the transaction. Once you send money, you won’t be able to cancel orreverse the transaction. Please check the details of this transactioncarefully.

Instead, pool money up front for group gifts, trips, and more.5 Invite anyone in your group to chip in—even if they don’t have PayPal yet. Send money with the safety and security you expect from PayPal. Plus, rest easy knowing that your transactions are secure with PayPal. Reduce complexity as you grow with a provider that can connect you to all global payment systems and offer solutions that go beyond payments. Stay in control of your business with tools that help you manage fraud, minimize declines, and more—without any additional integration. Do it securely in the app or online with the ease of autopay.

Manage Your Money

You must be 18 years old or older when applying for Pay Later. Add money to your PayPal balance3 so you’re ready to shop, send, and save. With the PayPal Credit Card, enjoy the benefits of Mastercard®. Gain access to ID Theft Protection, travel concierge services, and more. See Mastercard Guide to Benefits for details. You may download your QR code directly, and then you’re ready to start using your code to receive payments straight away.

Some sellers allow you to store PayPal as the way you pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with the seller that permits them to request that we charge your PayPal account each time you make a purchase. You can also send money internationally for cash pick up, directly to a bank account and more with Xoom, a PayPal service. Tap to pay in stores with the PayPal Debit Card1 and earn rewards2 online with PayPal checkout. Evolve your business with end-to-end payment processing, risk management, and commerce tools customized to fit your needs.

You must have an account with PayPal and use the PayPal app. Just share a PayPal link from our app over to the person you want to send to via text, DM, email, or a messaging app you prefer. You can learn more about PayPal links here. From settling household bills to the dinner check, PayPal links2 lets you send or request money from anyone, whether they use PayPal or not. Just share a link by text, DM, email, or chat.

Use your PayPal Credit Card everywhere Mastercard® is accepted. Plus, just like the PayPal Credit digital line, your card is automatically added to your PayPal wallet for use at millions of stores online. If you have chosen a preferred payment method, it will be shown as the primary method of payment. QR code payments allow you to get paid in person with PayPal just by displaying your QR code for customers to scan using the PayPal app. To use a balance as a payment method, you need to have a PayPal Balance account. From card processing and POS systems to fraud management and marketing, we have the tools your business needs to thrive.

Load up on cash back offers before you shop. Pay in 4 is always interest-free, with no late fees or sign-up fees. With Pay Monthly, you will pay a fixed interest rate, which varies based on your credit, and you won’t pay any late fees or sign-up fees. If approved, you’ll get either a PayPal Credit Card or a PayPal Credit digital line based on your credit history. You can make payments online, by phone, by mail, or on the PayPal app. Buy an item you’d like to purchase now but would prefer to pay for over time.

Instantly send money securely with a PayPal link1 to just about anywhere. It’s free to send to friends and family within the US when you use your PayPal balance or bank. With early fraud detection8 on many PayPal transactions and app alerts, we’re proactive about your security. Plus, PayPal Purchase Protection7 offers peace of mind by covering eligible purchases. Yes, for a limited time, travel now and get No Interest if paid in full in 6 months on all qualifying travel purchases posted to your account by September 30, 2026. PayPal links is a fast and easy way to send or request money to and from just about anyone.

Buy Now, Pay Later With Paypal

With PayPal you can send and request money, shop online or in stores with the PayPal Debit Card, manage bank and card info, get cash back offers, and enjoy flexible payment options. Please note PayPal services may vary from country to country. Learn which services are offered by country https://it-rating.com/profile/011217 or region.

You can view your Pay Monthly remaining balance in the PayPal app by clicking Pay Later. There you can make additional payments as desired or pay off the loan in full at any time and you won’t be charged a fee or penalty if you do so. You can apply for a PayPal Credit account from the PayPal website or in the PayPal app. When you apply for a PayPal Credit account, you’ll be asked to provide your date of birth, your income after taxes, the last 4 digits of your Social Security number, and agree to the Terms and Conditions. You’ll know within seconds if you are approved for a PayPal Credit Card or a PayPal Credit digital line.

If you select a payment method with a fee, we will always show you the fee before you send money. You can choose any of the payment methods in your PayPal account as your preferred payment method. You can select a preferred payment method in your account preferences on or in the PayPal app, or when checking out with PayPal online. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that is expired. It’s free to send money domestically to friends and family using your PayPal balance or bank account. Money sent from a credit or debit card will incur a 2.9% transaction fee plus a $0.30 flat fee.

Note, depending on the type of your purchase, your merchant may not process your payment until after a period of time after you check out. Because your reward balance and/or transaction amount may change, whenever you request to redeem rewards for a purchase, you also authorize PayPal to charge up to the full payment amount to your chosen payment method(s) if that happens. Your card issuer, membership rewards provider or membership program administrator determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit). If you have a reward balance that can be redeemed through PayPal, you will see an option to use those rewards when you check out through PayPal. When you send money in the U.S. to Friends and Family using your Balance Account or your bank account, we waive all fees, so we always show you these payment options first, even if you have a set a preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page.

The PayPal Credit Card and PayPal Credit digital line are subject to credit approval and are available to US customers who are of legal age in their state of residence. For both PayPal Credit Card and the PayPal Credit digital line, there’s no annual fee or impact to your credit score if declined.2 See Terms and Conditions. This page does not address unauthorized transactions. For information on your protection against unauthorized transactions, please see the Error Resolution section of the PayPal User Agreement.

You should contact your debit card issuer to learn more about your rights and remedies if you pay with your debit card. You can set separate preferred payment methods for online transactions, in-store transactions, and each of your automatic payment agreements, as described above. Want to get started with PayPal but don’t know where to begin? This wikiHow article will teach you how to use PayPal, covering everything from signing up for an account to sending and receiving money. PayPal works to protect your financial data, payments, and eligible purchases.8 Your transactions are encrypted to ensure your full financial information remains private.

Simplify Your Payments Setup

• You also have the option to select a different preferred method foronline purchases vs. in-store purchases.
• Use your PayPal Credit Card everywhere Mastercard® is accepted.
• You can use your popular debit and credit cards—including Visa, Mastercard, Discover, and American Express—or your bank account.
• In those instances, the backup method may be displayed to you on your transaction review page, before you complete the transaction.

Scan and share your QR code to get paid back for those in-person split-the-check moments. Simply use a PayPal link1—share it in a text, DM, email, or a messaging app—so you always pay the right person without the guesswork. Boost your business strategy with proactive, machine-learning tools that lead to engaging shopping experiences for your customers. Drive conversion with an all-in-one payments solution fueled by 430+ million active accounts and the power of AI. Find PayPal Pay Later options at millions of online stores. Break up your payments over weeks or months.

It’s free to set up, FDIC insured with and held at Synchrony Bank–and you can roll in all the cash back you earn with PayPal so you earn even more. Connect PayPal with most popular eCommerce platforms, accounting tools, and more. Roll all that cash back into a high-yield PayPal Savings account. You could earn 4.30% APY.5 That’s earning cash on cash back. If approved, pick the plan that works best for you. Apply for our Pay Later options without impacting your credit score.

And stay in control of your money with tracking, alerts, security features, and more. Get the full details on the PayPal Credit Card, PayPal Credit digital line, and all the offerings of both. The PayPal Credit digital line and PayPal Credit Card are issued by Synchrony Bank. The PayPal Credit Card is issued pursuant to a license by Mastercard International Incorporated. To accept money sent via PayPal, you must open a PayPal account and confirm your email address.

Get what you want right away and break the payments up over weeks or months. Pay in 4 is available to use at millions of online merchant sites where PayPal is accepted. Check out a list of some of the available brands here, search for your favorite brand, if available, save the deal, and create your own list. Transactions can be made in all currencies that PayPal supports, not just USD.

For transactions not in USD, PayPal will automatically convert the transaction amount to USD at checkout before you apply for Pay in 4. Discover online offers from brands you love in the app.4 If it’s in your monthly category, check out with PayPal and use your PayPal Debit Card1 and add 5% cash back2 on top. Speed through checkout online and in stores. Send money across the table or across the globe. If your card or account information changes (including if it is reissued with a new account number), you may need to update your PayPal wallet and re-enroll your card or membership rewards account to continue using rewards. If you have not chosen a preferred payment method, you can always choose the payment method to be used for the specific transaction.

We don’t share your full financial details. If the payment method is your linked bank account, debit card, PayPal balance, or Amex Send Account, there is no fee; if the payment method is another card, the fee will be 2.90% + a fixed fee. You should follow PayPal’s normal dispute resolution process for any purchase made with rewards.

Your preferred payment method for an automatic payment agreement will be used for transactions with that seller. If you have available balance with PayPal, that balance may be used before your preferred payment method, depending on your applicable automatic payment agreement with the seller. When you first set up an automatic payment agreement or store PayPal as a payment method with a seller, you may have the option to set up a preferred payment method for such agreement.

Certain one-time online transactions may require that a backup payment method be used in the event that your selected or preferred payment method is unavailable. In those instances, the backup method may be displayed to you on your transaction review page, before you complete the transaction. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method.

Put it on your PayPal Cashback Mastercard®. You’ll earn unlimited 3% cash back2 on your PayPal purchases. And you’ll earn unlimited 1.5% cash back on all of your other purchases. Plus, no impact to your credit score if you’re declined4. Buy now, pay later solutions are excellent options if you want to make purchases more manageable by paying them off over time.

Cancellations and refunds are subject to your merchant’s cancellation and refund policy. PayPal may cancel your transaction as outlined in the PayPal User Agreement. If you split your payment between your reward balance and another payment method, PayPal, and/or your membership rewards provider, and/or membership rewards administrator will choose the order and split of funds when processing a cancellation or refund. There may be a delay between checkout and processing of your payment. Only rewards available upon processing of your payment will be used. If your available reward balance changes during or after the checkout process, you may not see all your available rewards or may see rewards that are no longer available.

You can review, set, or change a preferred payment method for an automatic payment agreement in your account settings on paypal.com or in the PayPal app. You can select a preferred payment method for paymentsmade through the regular checkout process, as well as Goods and Services viaSend Money. You also have the option to select a different preferred method foronline purchases vs. in-store purchases. Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you your available payment methods. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction.