PayPal Info, Account Setup and How To Use

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What is PayPal

With PayPal, your financial info and purchases are better protected. You save time shopping online and sending money. And you get more ways to cover your payments.

Stay Safer

PayPal encrypts your sensitive financial information so the only person who can see it is you.
Your purchases are also protected. If there's a problem with your order or someone uses your account without permission, they help to make things right. (See Eligibility)

When you sign up for PayPal, they ask you to link your bank account, debit card, or credit card so that your payments can be funded. This information is never shared with retailers. In fact, it's securely protected by data encryption technology, reducing the risk of online fraud and identity theft.

Your PayPal account is protected by the latest anti-fraud technology and a dedicated team of specialists working round-the-clock against the bad guys. They constantly monitor PayPal transactions for suspicious activity and alert their customers as soon as a problem is detected. They also share safety tips and fraud-fighting tools like their Safe Password Checker.

When you pay using PayPal, their Purchase Protection coverage is included at no extra cost. They offer buyers $0 Liability for Unauthorized Purchases (See Eligibility), refunds for incorrect orders or items that never arrive, and a convenient process for resolving problems.

Millions of people use PayPal to accept payments for items they sell on eBay and their websites. If you are a US PayPal account holder and your transaction is deemed eligible, PayPal will cover you in the event of an unauthorized purchase, an "item not received" claim, or a reversal. See Eligibility.
Their Seller Protection program also helps cover you for eligible sales when you follow the common sense tips and requirements. It's usually as easy as shipping to the right address and saving a few shipping documents to take advantage of this built-in benefit.Learn More about Seller Protection

Save Time

PayPal makes it easy for you. They store all your billing and shipping info so you don't have to type it out every time.
All it takes is a few easy clicks to shop, send money, or accept a payment.

Yes. Instead of filling out the number, expiration date, and security code every time, you just enter your email address and password.

PayPal stores all your financial information so that when you need to pay your friends back for dinner, you can just use your mobile phone to send them money. No need to write a check or go to the ATM.

Your buyers can pay you directly through PayPal. The money goes into your PayPal balance, where you can easily transfer it to your bank account. No need to go to the bank to deposit checks.

More Ways to Pay

PayPal gives you the flexibility to pay however you like when you shop or send money.
You can use it with:

• Your bank account
• Your debit or credit card
• New payment options like MoneyPak™

See below for details.

The money comes directly out of a bank account that you link to your PayPal account.

Choose to pay with your credit card and keep collecting your credit card reward points.

Turn your PayPal account into an easy-to-monitor spending account by adding money to your PayPal balance. You can increase your PayPal balance by transferring funds from your bank account, adding money via MoneyPak, or receiving money from friends and family. If you have enough money in your PayPal balance to cover the payment, then PayPal will use this money first for your payment.

Use Moneypak to add funds to your PayPal balance without having a bank account or credit card. Then use this money to shop and send money using PayPal.

PayPal offers two types of credit options:

• PayPal Extras MasterCard^®: Use your PayPal Extras MasterCard to get 2x points for all your PayPal and eBay purchases. You can redeem points for gift cards, merchandise, travel deals, or cash back as a credit into your PayPal balance.


• Bill Me Later^®, a PayPal service: Use Bill Me Later financing to get up to six months to pay. It takes just seconds to use when you check out with PayPal. Bill Me Later's flexible financing empowers you to buy what you need, when you need it.

*Use cash to buy a MoneyPak card to fund your PayPal account. Available in the US only. Usage of this service is subject to identity verification and other controls. This service is being provided by a registered Money Services Business.

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How to Set Up a PayPal Account

Join the millions of people using PayPal today:

1. Create a PayPal account—sign-up is free
2. Add your payment info
3. Start using PayPal
 View Demo

STEP 1: CREATE AN ACCOUNT

Sign-up is free and super easy. Choose from three PayPal account types—Personal, Premier, and Business—and enter an email address, password, and a few more details.
You'll receive an email from PayPal asking you to activate your account. Then you're ready to shop, send money, and accept payments using PayPal.

PayPal account types are designed to provide you with the right amount of functionality for your needs. There is no cost to set up an account—no matter which type you choose. You can upgrade your account at any time.
Account type comparison chart

It's free to sign up for a PayPal account. PayPal does not charge any fees when you pay for goods and services within the US using your account. There are fees in other cases, such as:

• Paying for goods and services outside the US
• Receiving payments for goods and services
• Receiving money from friends and family made using a debit or credit card
• Receiving payments from other countries
• Sending money with a credit card to friends and family
View PayPal Fees

You'll receive an email asking you to activate your account. This is to make sure you are who you say you are by asking you to verify your email address. It only takes a moment to click on the button in the activation email and enter the password you just created.

STEP 2: ADD PAYMENT INFO

To use PayPal, you need to add a payment method to cover your transactions. This can be your bank account, debit or credit card, or a new payment method like MoneyPak™.
Simply link your preferred payment method and you're ready to make purchases or send money.

When you pay for something or send money with PayPal, they cover the transaction using a payment source, such as your bank account or credit card, or after they use your PayPal balance. PayPal never shares this information with sellers or merchants. And their Purchase Protection program covers you against unauthorized payments (See Eligibility), wrong items and orders that never arrive.

It's easy to link your PayPal account to a funding source. After signing up with PayPal, add your debit or credit card or bank account information in the Profile section of your PayPal account. Then each time you shop or send money with PayPal, simply select how you’d like to pay—via your bank account or with your credit card.

Absolutely. Just link your credit card to your PayPal account when you sign up or add it later. Then simply select your credit card as your method of payment when you check out using PayPal and you'll rack up the rewards.

STEP 3: START USING PayPal

After completing your sign-up, start enjoying all the benefits of PayPal. Like never having to enter your payment info again. Or paying friends back for dinner using your phone.
Before long, the world’s favorite way to pay and get paid will also be yours.

You can use PayPal at thousands of your favorite online stores—just look for PayPal when you check out online. You can find great deals from selected merchants anytime at PayPal Shopping site. And you can also use PayPal to pay for items on eBay. Visit the Store Directory.

Choose PayPal at the checkout page.

Log in to your PayPal account using your email address and password.

Select your payment method, such as your credit card or bank account.

Confirm the order with one final click and you’re done.

Learn More about Shopping with PayPal

All you need to send money is the recipient’s email address or mobile number.

The recipient gets an email or text notification. To withdraw the money, they log in to PayPal or sign up in minutes.

Recipients in the US can withdraw the money by spending it online, transferring it to a bank account, requesting a check, or using a PayPal debit card.

Learn More about Sending Money with PayPal

Whether you want to sell something on eBay, classified websites, online forums, or your own website, PayPal can help you get paid.

To get paid for an item you sell on eBay, you’ll need to open a PayPal account first, and then list the item you want to sell on eBay. After your item sells and the winner sends money to your PayPal account, PayPal will send you a payment confirmation.

To get paid for an item you sell on a classified website, online forum, or social networking site, you’ll need to open a PayPal account first and then list the item you want to sell. After you and the buyer agree on the purchase price, go to the Request Money tab in your PayPal account and type in the buyer’s email address to request payment. PayPal will send the buyer an email requesting payment through PayPal. After the buyer pays for the purchase, PayPal will send you a payment confirmation.

Learn More about Getting Paid with PayPal

Yes. PayPal is an easy and secure way to start accepting payments online. It’s also a well-known payment method that your shoppers trust. If you already have a website, use their payment buttons to accept debit card, credit card, and bank account paymentsῶsetup only takes a few minutes. You don't need a separate merchant account and gateway. And your customers don't even need a PayPal account to make a payment. It’s easy to integrate their payment buttons onto your site and start collecting payments online.
Learn More about Accepting Payments with PayPal

Yes. PayPal offers a suite of online fundraising tools to help you collect donations from friends, family, co-workers, or anyone in your social network. You can fundraise by accepting credit cards on your website, or using your PayPal account to request money via email or your mobile phone. They can also help you fundraise on Facebook or create a custom website to support your cause.
Learn More about Fundraising with PayPal

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How to Use PayPal

Use PayPal when shopping for the things you love, sending money to friends and family, and receiving payments for items you sell online.

USE PayPal TO PAY ONLINE

PayPal is not just for eBay. Use it to check out quickly and securely at thousands of stores. Look for the PayPal button at checkout.

• They keep your financial info secure
• Your eligible purchases are protected if there is a problem (See Eligibility)
• Speed through checkout in a few clicks
PayPal Fees

Here's how to shop online using PayPal:

1. First, shop at eBay, or any other online retailer that accepts PayPal.
2. When you're ready to check out, choose the PayPal button.
3. Log in entering your email address and password and they'll process the payment without sharing any of your financial details.

You can use PayPal at thousands of your favorite online stores—just look for PayPal when you check out. You can find great deals from selected merchants anytime at their  PayPal Shopping site. And you can also use PayPal to pay for items on eBay.

Use PayPal at stores like Zappos.com, American Eagle Outfitters, Cooking.com, Delta Air Lines, TigerDirect.com, AllPosters.com, Dell, eBags, and more. Visit their Store Directory

When you pay with PayPal, your financial information isn't shared with retailers. It is securely protected to minimize fraud and help safeguard your identity. They also protect you if there's a problem with your purchase. Coverage includes:

• $0 Liability for Unauthorized Purchases: for example, if someone uses your PayPal account without your permission. See Eligibility
• Refunds for incorrect orders or items that never arrive; you ordered a blue shirt and they send it in pink.
• A convenient process for resolving problems

It's free to sign up for a PayPal account. PayPal does not charge any fees when you pay for goods and services within the US using your account. There are fees in other cases, such as:

• Paying for goods and services outside the US
• Receiving payments for goods and services
• Receiving money from friends and family made using a debit or credit card
• Receiving payments from other countries
• Sending money with a credit card to friends and family
View PayPal Fees

Absolutely. Just link your credit card to your PayPal account when you sign up or add it later. Then simply select your credit card as your method of payment when you check out using PayPal and you'll rack up the rewards!

• Bank Account: The money comes directly out of a bank account that you link to your PayPal account.
• Debit or Credit Card: Choose to pay with your credit card and keep collecting your credit card reward points.
• PayPal Balance: Turn your PayPal account into an easy-to-monitor spending account by adding money to your PayPal balance. You can increase your PayPal balance by transferring funds from your bank account, adding money via MoneyPak, or receiving money from friends and family. If you have enough money in your PayPal balance to cover the payment, then PayPal will use this money first for your payment.
• Cash* via MoneyPak™: Add funds to your PayPal balance without having a bank account or credit card. Then use this money to shop and send money using PayPal.
• PayPal Credit: PayPal offers two types of credit options:
  • PayPal Extras MasterCard^®: Use your PayPal Extras MasterCard to get 2x points for all your PayPal and eBay purchases. You can redeem points for gift cards, merchandise, travel deals, or cash back as a credit into your PayPal balance.
  • Bill Me Later^®, a PayPal service: Use Bill Me Later financing to get up to six months to pay. It takes just seconds to use when you check out with PayPal. Bill Me Later's flexible financing empowers you to buy what you need, when you need it.

*Use cash to buy a MoneyPak card to fund your PayPal account. Available in the US only. Usage of this service is subject to identity verification and other controls. This service is being provided by a registered Money Services Business.

USE PayPal TO SEND MONEY

Use PayPal for paying your share of a group gift or splitting the check. It's easier than running to the ATM or writing a check, plus it's free in the US when you send money using your bank account or PayPal balance.

• Send money from your computer or via your mobile
• All you need is an email address or mobile number
• Transfer money abroad quickly
PayPal Fees

There are two ways you can send money with PayPal—via your online PayPal account or via your mobile phone. All you need is the recipient's email address or mobile number. The recipient will receive an email or text to notify them of your payment. To withdraw the money, they will need to open a PayPal account—sign-up is free.
Learn More about Sending Money

To send money in the US, PayPal does not charge any fees when you send money with your bank account or PayPal account balance. When you use a credit or debit card, the cost is 2.9% of the total amount sent plus $0.30 USD per transaction.

Fees are based on recipient's country, whether you fund the transfer with your bank account or a credit card.

View PayPal Fees

They'll get an instant email or text notification prompting them to log in to PayPal to get the money. If they don't have a PayPal account, they can sign up for a new account in minutes by following instructions included with their notification. Next, the money shows up in their PayPal balance, which they can either spend online or transfer to their bank account.

Yes, they need a PayPal account to receive money from the sender. This simple step helps PayPal protect you against fraud. If they don't have a PayPal account, all they need is an email address to open one. They'll get simple sign-up instructions included with their Send Money notification from PayPal.

USE PayPal TO ACCEPT PAYMENTS

Whether you want to clear out your closet, make extra cash, or raise money for a cause, PayPal allows you to accept payments easily and securely.

• Your financial info and transactions are secure
• On eBay, classified sites, and your website
• Protect yourself from fraud with Seller Protection
PayPal Fees

You'll receive an email notifying you that a payment has been made.

To collect your payment, simply click on the link in the email and log in to your PayPal account.

Recipients in the US can access the money by sending it to friends and family, spending it online, transferring it to a bank account, or requesting a check.

Whether you want to sell something on eBay, classified websites, online forums, or your own website, PayPal can help you get paid.

To get paid for an item you sell on eBay, you'll need to open a PayPal account first, and then list the item you want to sell on eBay. After your item sells and the buyer sends money to your PayPal account, PayPal will send you a payment confirmation.

To get paid for an item you sell on a classified website, online forum, or social networking site, you'll need to open a PayPal account first and then list the item you want to sell. After you and the buyer agree on the purchase price, go to the Request Money tab in your PayPal account and type in the buyer's email address to request payment. PayPal will send the buyer an email requesting payment through PayPal. After the buyer pays for the purchase, PayPal will send you a payment confirmation.

Yes. PayPal is an easy and secure way to start accepting payments online. It's also a well-known payment method that your shoppers trust. If you already have a website, use their payment buttons to accept debit card, credit card, and bank account payments—setup only takes a few minutes. You don't need a separate merchant account and gateway. And your customers don't even need a PayPal account to make a payment. It's easy to integrate their payment buttons onto your site and start collecting payments online.

If you are a US PayPal account holder and your transaction is deemed eligible, PayPal will cover you in the event of an unauthorized purchase (See Eligibility), an "item not received" claim, a chargeback, or a reversal.

their Seller Protection program also helps cover you for eligible sales when you follow the common sense tips and requirements. It's usually as easy as shipping to the right address and saving a few shipping documents to take advantage of this built-in benefit.

Learn More about Seller Protection

Yes. PayPal offers a suite of online fundraising tools to help you collect donations from friends, family, co-workers, or anyone in your social network. You can fundraise by accepting credit cards on your website, or using your PayPal account to request money via email or your mobile phone. They can also help you fundraise on Facebook, or create a custom website to support your cause.

Learn More about Fundraising with PayPal

All you need is a PayPal account. Shoppers can pay with their bank account, PayPal balance, or their debit or credit card. And because financial information is not shared between the buyer and seller, the transactions are secure.

Yes. PayPal now supports payments in 25 currencies. As a seller, you can choose to accept payments in your preferred currency.

Here are the currencies they support:
Canadian Dollars, Euros, British Pounds, US Dollars, Yen, Australian Dollars, New Zealand Dollars, Swiss Francs, Hong Kong Dollars, Singapore Dollars, Swedish Krona, Danish Krone, Polish Zloty, Norwegian Krone, Hungarian Forints, Czech Koruna, Turkish Lira, Israeli New Shekels, Brazilian Real, Mexican Pesos, Philippine Pesos, Malaysian Ringgit, Taiwan New Dollars, Thai Baht, Chinese RMB.

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