How PayPal works

    Your PayPal journey starts here.

    Join the millions of people who trust PayPal to send, spend, and manage their money quickly and securely.

    PayPal helps simplify your life

    Create an account for free

    Shop online and in person, and send and receive money—all from one account. 1

    Add payment options to your digital wallet

    Link your cards and bank account info in one place so that checkout’s a breeze.

    How to sign up for PayPal

    1 An account with PayPal is required to send and receive money, and use PayPal.Me.

    2 Purchase Protection is available on eligible purchases. Terms and limitations apply.

    3 The Cash a Check feature is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Fees and terms apply. All checks subject to review for approval. Unapproved checks will not be funded to your account.If your check isn’t approved to be cashed, no fees will be assessed. Effective February 14, 2022, Cash a Check is no longer available to PayPal customers located in New York.

    4 When you buy or sell cryptocurrency, including when you check out with crypto, we will disclose an exchange rate and any fees you will be charged for that transaction. The exchange rate includes a spread that PayPal earns on each purchase and sale. See cryptocurrency fees.

    Buying and selling cryptocurrency is subject to a number of risks and may result in significant losses. Please see our disclosure here for more details. PayPal does not make any recommendations regarding buying or selling cryptocurrency. Consider seeking advice from your financial and tax advisor. All custody of and buying and selling in cryptocurrency is performed for PayPal by its licensed service provider, Paxos Trust Company, LLC. Buying, selling, and holding cryptocurrencies is not regulated in many states, including the State of California. PayPal, Inc. is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Buying, selling, and holding cryptocurrency with PayPal is not available in Hawaii and where prohibited by law.

    5 Direct Deposit is subject to the payor's support of this feature. Funds deposited via Direct Deposit will generally be available on the day we receive the funds transfer. You may review activity on your periodic statements or transaction history on, or call Customer Service at 1-888-221-1161 to verify receipt. We reserve the right to accept, reject, or limit transfers via Direct Deposit in our sole discretion. If you wish to cancel Direct Deposits, you must contact your employer. PayPal does not charge any fee to set up or maintain Direct Deposit. Refer to your PayPal User Agreement for complete Direct Deposit details.

    Once it's set up, Direct Deposit usually takes two (2) pay cycles to begin, but can vary across employers. Please check with your employer for specific timing.

    New Direct Deposit enrollees will be eligible for early access, subject to the terms and conditions. The early access feature will be made available to all eligible Direct Deposit customers in the coming months. Early access can allow a user to access their funds up to 2 days early. Early access to funds depends on when we get payment instructions from the payor (your employer or government agency). When we get funds before the scheduled payment date, your money can be made available up to 2 days sooner than scheduled. Availability and timing can vary based on the payor and when we get payment instructions. Once the funds are received, they will be deposited directly into your PayPal balance.

    How does PayPal G and S work?
    As a buyer When you're shopping on a website and click the 'Buy Now' button or go through a checkout system, then PayPal will automatically process the payment as Goods and Services. However, before the payment is complete, you can choose to pay the fee or pass it on to the person you're purchasing from. more
    Does PayPal work in Colombia?
    Send Money to Mexico, Colombia, Brazil & Latin America - PayPal US. Get the all-in-one app for everyone. more
    Does PayPal work in Russia?
    If you are an individual, you must be a resident of the Russian Federation and at least 18 years old to open a Russia PayPal account and use the PayPal services. more
    Does PayPal Work Nigeria 2021?
    Yes, PayPal works in Nigeria. You can open a personal account to send money, pay bills or shop online. You can also open its business account to receive funds online in Nigeria. more
    Does PayPal work in Jordan?
    Cairo Amman Bank introduces PayPal services to promote Electronic Commerce in Jordan. more
    Does PayPal Work Russia 2021?
    PayPal announced today that it will stop supporting payments within Russia in the near future. At the same time, the service promises to preserve cross-border transfers. more
    Does Clover work with PayPal?
    Now you can accept PayPal and Venmo in-store via your Clover device! more
    Does PayPal Work India?
    PayPal Holdings Inc will wind down its domestic payments business in India from April 1, the company said in a statement on Friday. California-based PayPal will instead focus on its cross-border payments business, which means global customers will still be able to pay Indian merchants using the service. more
    How does PayPal work?
    How Does PayPal Work? PayPal works as an intermediary between you and a bank. A user adds a bank account or credit/debit card to the PayPal system and whenever they're making an online payment, they can select which account to debit. All transactions are processed through PayPal, instead of your bank. more
    Does PayPal work in Qatar?
    The National Bank of Qatar provides PayPal through Online Banking. The service allows you to send money to different PayPal accounts. This service is provided through Online Banking, Direct Transfer of funds from the bank's personal accounts, withdrawal of funds. more
    Does PayPal work with banks?
    How Does It Work? PayPal allows you to connect an external bank account, credit card and debit card and use the service to shop online securely. more


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