Policy Updates

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Past Policy Updates

This page shows important changes that were made to the PayPal service, its User Agreement, or other policies.

*For past policy updates earlier than December 2013, please view this PDF.

*For past policy updates between Jan 2014 and Dec 2018, please view this PDF.

Last updated on 12 October 2023

Notice of Amendment(s) to the Austria PayPal Agreement(s)

This Page

This page details and/or previews updates to PayPal users of changes to the Austria PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met.

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. Subject to the below, these changes are only relevant for non-consumers, except for the clarificatory changes. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarise yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the User Agreement.

Notices

Issued: 12 October 2023

Amendments to the PayPal User Agreement
Effective 16 January 2024:

Pursuant to the EU’s Digital Services Act, we are clarifying how users can complain about content others may create and actions we may take.
We are clarifying that PayPal may be required to place limitations on your account and/or withhold on certain gross payments received if you do not provide required tax-related information.
We are updating the hyperlink in the ‘Standard rate for receiving domestic transactions’ section on the Merchant Fee Page.

Review the updated PayPal User Agreement

Review the updated Merchant fee page

Amendments to the PayPal Payouts Terms and Conditions

Effective 16 January 2024:

The PayPal Payouts Terms and Conditions are being updated to clarify existing product functionality, including:
- Eligibility requirements for recipients of payouts to successfully receive payouts; and
- Clarifying the respective responsibility of PayPal and senders with regard to payouts made using the PayPal Payouts product.
In addition, the updates provide that:
- PayPal may require evidence of express recipient consent to receive communications in connection with payouts;
- Customers must confirm that provision of information to PayPal does not constitute a sale of data to PayPal under applicable law; and
- Customers may not imply PayPal sponsorship or endorsement without prior permission; nor may customers seek to obtain PayPal user credentials.

Review the updated PayPal Payouts Terms and Conditions

Notices

Issued: 24 July 2023

Amendments to the PayPal Online Card Payment Services Agreement

Effective 19 October 2023:

the Advanced Credit and Debit Card Payments suite of functionality may include the ability to integrate eligible third-party wallets as add-on features. We’re revising our terms to indicate that if you choose to integrate such add-on features, you agree to the applicable third-party terms via your acceptance of the PayPal Online Card Payment Services Agreement. Such acceptance includes your acknowledgement and agreement that such third-party features and terms are provided, updated, and noticed solely by the relevant third party and not by PayPal.
we are making clarifications on the availability of the Account Updater Service.

Review the updated PayPal Online Card Payment Services Agreement

Last updated on 24 July 2023

Notice of Amendment(s) to the Austria PayPal Agreement(s)

This Page

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.

Notices

Issued: 24 July 2023

Amendments to the PayPal Online Card Payment Services Agreement

Effective 19 October 2023:

the Advanced Credit and Debit Card Payments suite of functionality may include the ability to integrate eligible third-party wallets as add-on features. We’re revising our terms to indicate that if you choose to integrate such add-on features, you agree to the applicable third-party terms via your acceptance of the PayPal Online Card Payment Services Agreement. Such acceptance includes your acknowledgement and agreement that such third-party features and terms are provided, updated, and noticed solely by the relevant third party and not by PayPal.
we are making clarifications on the availability of the Account Updater Service.

Review the updated PayPal Online Card Payment Services Agreement

Notice of Amendment(s) to the Austria PayPal Agreement(s)

Issued: 17 and 31 May, 2023 and 8 June, 2023

This Page

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take effect on the effective date(s) shown below.

Actions Needed

Please carefully review the notice below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you.

If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.

Issued: 17 May. 2023

Amendments to the PayPal User Agreement
Effective 17 July, 2023

We are deleting from the section in the User Agreement headed “Actions We May Take if You Engage in Any Restricted Activities” the provision under which, if you use your PayPal account primarily for the purposes of your trade, business, craft or profession and you violate the Acceptable Use Policy, PayPal may deduct from any PayPal account you control the sum of USD 2,500 (or the prevailing equivalent in the currency of the country in which you reside) per violation of the Acceptable Use Policy (the Clause). We are also deleting references to this Clause in the corresponding heading and removing unnecessary wording relating to damages. These deletions will take effect on 17 July, 2023. In the meantime, for any new claims PayPal may have arising after the date of this notice under the Clause, we will not enforce our rights under such provisions.

Review the updated PayPal User Agreement

Issued: 31 May. 2023

Amendments to the PayPal User Agreement

Effective 31 July, 2023

We are clarifying that you will be asked to agree to a SEPA mandate when adding a bank account as a funding source to your PayPal account. This reflects what occurs in practice already and will formally be changed in the User Agreement on 31 July, 2023

Review the updated PayPal User Agreement

Issued: 8 June, 2023

Amendments to the PayPal Alternative Payment Methods Agreement

Effective 7 August, 2023

Apple Pay will be offered as an Alternative Payment Method for paying an invoice.

Review the updated PayPal Alternative Payment Methods Agreement

Notice of Amendment(s) to the Austria PayPal Agreement(s)

Issued: 9 August, 2022

This Page

Upcoming Changes

Actions Needed

Amendments to the PayPal User Agreement

Effective October 31, 2022:

Business accounts cannot receive personal transactions. Business account holders wishing to receive personal transactions will need to make use of a personal account.
If you integrate or reference PayPal services on your website, we are clarifying that PayPal may use automated technologies (e.g., website crawling) to assess your website to ensure compliance with the user agreement and to combat fraud.

Review the updated PayPal User Agreement

Notice of Amendment(s) to Austria PayPal Agreement(s)

Issued: May 10, 2022

This Page

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Unless we contact you separately, no further action is needed from you to accept such changes. If you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.

Amendments to the PayPal User Agreement

Effective August 31, 2022 we are clarifying:

the Reversals clause in the User Agreement to make it clearer when PayPal will be able to reverse a payment.
the language in the governing law and jurisdiction clause. This reiterates that consumers have mandatory rights to bring cases against us in local courts.

Review the updated User Agreement.

Important notice to all EU and UK customers

As part of PayPal’s continued efforts to manage some necessary changes arising from the United Kingdom’s exit from the European Union, we will be withdrawing from the UK Financial Ombudsman Service’s (FOS) Voluntary Jurisdiction on 1st December 2022. Due to changes to UK rules, since 1st January 2021, we have been, and continue to be, subject to the Compulsory Jurisdiction of the FOS for complaints from certain UK customers (consumers and certain smaller businesses that qualify as a micro-enterprise, small business, charity, trustee or guarantor) about events occurring on or after this date and these customers continue to have the right to refer their complaint to the FOS.

Where you have a complaint that relates to an event that occurred before 1st January 2021, and you are dissatisfied with how PayPal has resolved that complaint in our final response, then you must refer that complaint to the FOS before 1st December 2022.

Updates to your SEPA Direct Debit Mandate

Effective: May 31, 2022

We are updating your SEPA Direct Debit Mandate by including a field known as “Type of Payment” and listing this as “Recurrent”, which is consistent with the User Agreement in which you provide us with continuous authority when linking a bank account as a funding source to your PayPal account. We will also be updating your SEPA Direct Debit Mandate by including your address.

You will continue to enjoy the benefits of using a SEPA Direct Debit mandate as usual. Please be assured this update will not affect the service you receive in any way.

Introduction of PayPal Generosity Network Terms and Conditions

Effective August 1, 2022 we are:

Introducing terms and corresponding fees for the PayPal Generosity Network.

Review the PayPal Generosity Network Terms

Review the updated Consumer Fees.

Review the updated Merchant Fees.

Notice of Amendment(s) to Austria PayPal Agreement(s)

Issued: February 11, 2022

This Page

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Amendments to the PayPal User Agreement

Effective: May 6, 2022, we are:

Revising PayPal’s Seller Protection program to expand the list of ineligible items to include certain Non-Fungible Tokens (NFTs) with a transaction amount of more than $10,000 USD.
Revising the actions we may take if users engage in restricted activities by publishing unlawful content via our website or when using our services.
Revising the Complaints section to add additional information relating to customer complaints.
Incorporating the essential terms from the Key Payment and Service Information agreement into the User Agreement including details on the PayPal entity providing the PayPal services, general information on the service, as well as clarification on notices, term and termination.
Clarifying that consumers have a 14 day right to withdraw from the User Agreement.
Changing the governing law from English law to Luxembourg law, and jurisdiction from English courts to Luxembourg courts to align with the seat of PayPal (Europe) S.à r.l. et Cie, S.C.A., a registered Luxembourg bank.
Adding a new section for business account holders, clarifying that liabilities owed to them by PayPal in connection with its products and services may be subject to management or write down by a regulatory or supervisory authority. We are required to include this so that public authorities do not need to bail-out financial institutions such as PayPal if they face financial difficulty.

Review the updated User Agreement.

Review the updated Seller Protection program.

Amendments to all applicable Legal Agreements

Effective: May 6, 2022, we are:

Removing or modifying references to eBay that are no longer applicable, including discontinuing the following agreement:
- The Merchant Gift Certificates Agreement

Amendments to the Privacy Statement

Effective: May 6, 2022, we are:

Adding clarification on collecting personal data for non-account holders and how we use your personal data.

Review the updated Privacy Statement

Amendments to the PayPal Online Card Payment Services Agreement:

Effective May 6, 2022, we are:

Updating the agreement to reflect that PayPal is a data controller for the provision of the services.

Review the updated PayPal Online Card Payment Services Agreement

Amendments to the PayPal Partner Fundraising Program Terms and Conditions

Effective April 1, 2022, we are:

Amending the terms and conditions so that enrolled charities can benefit from grants made by PayPal Giving Fund Ireland to them as a result of donations from donors in Ireland and other countries.
Clarifying changes to the terms and conditions to make it easier to follow and include information where you’d naturally look for it.

Notice of Amendment(s) to Austria PayPal Agreement(s)

Issued: October 29, 2021

This Page

This page details updates to PayPal users of changes to the Austria PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices.

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Amendments to the PayPal User Agreement

Effective January 28, 2022 we are:

Relocating PayPal’s Buyer Protection program and Seller Protection program terms to separate web pages. These program terms were accepted at the time you agreed to the user agreement and remain part of the user agreement. The relocation is intended to make the terms easier to locate and navigate.
Revising PayPal’s Seller Protection program to clarify that proof of shipment and proof of delivery also must include an online verifiable tracking number.
Clarifying that abuses of our online dispute resolution process, PayPal's Buyer Protection program, and/or PayPal’s Seller Protection program are restricted activities as defined under the user agreement.
Clarifying that you will not be charged a Standard Dispute Fee for disputes that have met all requirements of PayPal’s Seller Protection program.
Clarifying that a Minimum Reserve is also known as an Upfront reserve.
Clarifying the definition of the European Economic Area (EEA) by introducing a list of markets/regions which form part of the EEA.

Review the updated User Agreement

Notice of Amendment(s) to Austria Agreement(s)

Issued: August 11, 2021

This Page

This page displays policy updates which notify users of important changes to the PayPal Austria User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.

Amendments to the PayPal User Agreement

Effective: November 10, 2021

We are revising PayPal’s Seller Protection program to clarify eligibility for certain claims involving travel tickets sold by the travel carrier.
We are requiring sellers who are Corporate Customers to notify us of any pricing errors or discrepancies within sixty (60) days from having access to their account statement(s) or other account activity information.
We are removing the PayPal Payouts section and replacing it with a standalone agreement called the PayPal Payouts Agreement on the legal hub.
We are clarifying the types of costs used to calculate the reasonable minimum estimate that we may recover if you engage in any restricted activities.
We are introducing an additional service fee of 1.29% for some international commercial transactions between the EEA and the UK.
We are changing the additional percentage-based fees for international commercial transactions as well as simplifying our market/region country classifications for these fees. The fees are changing from the rates shown in the current User Agreement to the new rates shown on the updated Merchant Fee page HERE, which will be effective on November 10, 2021.

To review the updated User Agreement, please click HERE.

Amendments to the PayPal Acceptable Use Policy

We are revising the policy to clarify that violations may subject you to damages. We are also expanding the existing list of prohibited activities and clarifying the commercial activities requiring approval.

Amendments to the Data Protection Controller Addendum for Direct Card Processing Products

We have amended the addendum to ensure references to products and services are consistent globally.

Amendments to the PayPal Alternative Payment Methods Agreement

We are revising the Agreement to prohibit acceptance of payments for certain goods and services.

Notice of Amendment(s) to Austria Agreement(s)

Issued: June 21 2021

This Page

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.

Amendments to the PayPal User Agreement

Effective: August 20 2021

We have updated how PayPal converts currency to use PayPal’s own exchange rate and provided for a currency converter tool.

To review the updated User Agreement, please click HERE.

Notice of Amendment(s) to Austria Agreement(s)

Issued: April 29 2021

This Page

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Amendments to the PayPal User Agreement

Effective: July 30 2021

We are further revising PayPal’s Buyer Protection and Seller Protection to be globally consistent and to further clarify which transactions are eligible for protection.
We are clarifying how sending or receiving donations are treated.
We are introducing an inactivity fee for business accounts in an amount of EUR 10.00. The inactivity fee does not apply to personal accounts.
We are clarifying that you may set the currency on your card.

To review the updated User Agreement, please click HERE.

Amendments to the Terms of use for Money Pools

We have amended the terms of use for Money Pools to reflect that existing pools will no longer be maintained in the event the Money Pools services is deprecated.

Notice of Amendment to PayPal Legal Agreements

Issued: January 29, 2021

Please read this document.

We’re making changes to the legal agreements that govern your relationship with PayPal.

We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.

There is no further action needed from you as these changes will take place automatically on

April 30, 2021.

In the event you would prefer to decline these changes and close your account, you can do so prior to April 30, 2021 without incurring any additional charges.

Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not highlighted in this document. This does also apply where we have corrected or standardized references.

UPDATES TO THE PAYPAL USER AGREEMENT

Effective date: April 30, 2021

Please click HERE to view an updated copy of the intended changes.

You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

About Your Account – Welcome to PayPal!

We have clarifying wording that our user agreement does not apply to the Xoom services, which are governed by the separate Xoom Legal Agreements.

About Your Account – Fees

We have removed the reference to the "merchant rate" as the merchant rate will no longer be offered in Austria. Please note that all references to the merchant rate in the user agreement and on the fees page have therefore been removed.

Making A Payment – PayPal Buyer Protection – Ineligible items and transactions under PayPal Buyer Protection

In this section, we have re-arranged and standardized our list of ineligible items and transactions.

Receiving Payments – Refunds and reversals of payments – Dispute fee

We are introducing a dispute fee applicable to sellers.

Receiving Payments – PayPal Seller Protection – What's eligible

We have added wording on already shipped physical items or provided intangible goods for clarification.

Receiving Payments – PayPal Seller Protection – Basic requirements

We have added a new second bullet point regarding unauthorized transaction claims.

Receiving Payments – PayPal Seller Protection – Ineligible items and transactions

We have changed and globally standardized our list of items and transactions ineligible for PayPal Seller Protection.

Other Legal Terms – Miscellaneous – Your use (as a seller) of personal data; Data protection laws

We have renamed this section and re-worded it to more specifically reflect on sellers' use of personal data.

Notice of Amendment to PayPal Legal Agreements

Issued: September 29, 2020

Please read this document.

We’re making changes to the legal agreements that govern your relationship with PayPal.

We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.

There is no further action needed from you as these changes will take place automatically on

January 4, 2021.

In the event you would prefer to decline these changes and close your account, you can do so prior to January 4, 2021 without incurring any additional charges.

Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not mentioned in this document. This does also apply where we have corrected or standardized numbering and references.

UPDATES TO THE PAYPAL USER AGREEMENT

Effective date: January 4, 2021

Please click HERE to view an updated copy of the intended changes.

You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

About Your Account – Opening an Account – Commercial Entity Status

We have amended the wording in the section to reflect that upon reaching certain thresholds or involving certain business segments or activities, the Commercial Entity Agreements can apply to any type of PayPal account you hold.

About Your Account – Opening an Account – Safe use of your PayPal account

In this section, we have added the requirement to keep the number of a phone to which you are the primary user current in your PayPal account profile.

Making A Payment – General provisions for making a payment – Your payment instruction

We added a new paragraph at the end of this section about giving you the option to select certain recipients as "trusted beneficiaries" for a faster payment experience.

Receiving Payments – Refunds and reversals of payments – Chargeback fee

We have added a new section dealing with the Chargeback fee for clarification.

Schedule 1: Table of Fees

A4.1.1. Currency Conversion Fee

In section A4.1.1. we have changed the currency conversion fee for transactions for which the seller has not agreed to bear the fee to be generally 4.00%.

A4.1.2. Fees for Withdrawing your Balance

We have introduced a fee for withdrawals to a U.S. bank account associated with your PayPal account.

UPDATES TO THE PAYPAL ONLINE CARD PAYMENT SERVICES AGREEMENT

4. Information Security; Data Protection; Data Portability

We have amended section 4.6. to talk about a Data Protection Addendum rather than a schedule (as a result, Schedule 2 has been removed) and we have added a new section 4.7. on Data Portability.

UPDATES TO THE COMMERCIAL ENTITY AGREEMENT

We have removed the limitation to PayPal Premier or Business Accounts from the first paragraph of the Commercial Entity Agreement.

UPDATES TO THE PRIVACY STATEMENT

We are updating our data processing terms to reflect that PayPal is a data controller for payment processing and fraud services.

iZETTLE

We have added new terms for our iZettle service to our Legal Agreements page.

Notice of Amendment to PayPal Legal Agreements

Issued: June 16, 2020

Please read this document.

We’re making changes to the legal agreements that govern your relationship with PayPal.

We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.

There is no further action needed from you as these changes will take place automatically on

September 14, 2020.

In the event you would prefer to decline these changes and close your account, you can do so prior to September 14, 2020 without incurring any additional charges.

All changes and updates to the legal agreements are on this page highlighted in italic. This highlighting shall ensure better traceability of the changes and updates applied.

Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not highlighted. This does also apply where we have corrected or standardized numbering and references.

Updates to the PayPal User Agreement

Effective date: September 14, 2020

Please click HERE to view an updated copy of the intended changes.

You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

Making A Payment – Buyer Protection

In this section, we have re-introduced the PayPal Buyer Protection Policy into the user agreement and reworded its terms for global alignment.

Receiving Payments – Impact of PayPal Buyer Protection on Sellers

We have amended the wording in the "Impact of PayPal Buyer Protection on Sellers" sub-section: If you are a seller and lose a claim under PayPal Buyer Protection and the buyer’s claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs.

Receiving Payments – PayPal Seller Protection

As with PayPal Buyer Protection, in this section we have re-introduced the PayPal Seller Protection Policy into the user agreement and reworded its terms for global alignment.

Schedule 1: Table of Fees

A3.5. Receiving Payments Through QR Codes in Person

We have introduced a new section A3.5. in our Table of Fees outlining the fees that will apply to (casual) sellers for receiving payments through our new QR code solution.

Notice of Amendment to PayPal Legal Agreements

Issued: March 19, 2020 (for Effective Dates see each individual agreement below)

Please read this document.

We’re making changes to the legal agreements that govern your relationship with PayPal.

We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.

There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.

Updates to the PayPal Alternative Payment Methods Agreement

Effective Date: March 19, 2020

You can find the current PayPal Alternative Payment Methods Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. No additional fees for receiving international APM payments

We have amended section 3 (Using APM functionality) to clarify that the additional percentage-based fee for receiving international commercial transactions set out in the User Agreement does not apply when you receive APM payments.

Updates to the PayPal Acceptable Use Policy

Effective Date: March 19, 2020

You can find the PayPal Acceptable Use Policy currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. Contact information

The contact information in the sections headed “Activities Requiring Approval” and “Violations of the Acceptable Use Policy” has been updated. Instead of sending an email to PayPal, you can complete a webform to submit your query or filing under those sections.

Updates to the User Agreement

Effective Date: June 16, 2020

Please click HERE to view an updated copy of the intended changes.

You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. Actions We May Take If You Engage In Any Restricted Activities - Violations of the Acceptable Use Policy (new section)

We have added a new section which sets out our rights to deduct amounts in respect of damages which arise when you use your PayPal account primarily for the purposes of your trade, business, craft or profession and you violate the Acceptable Use Policy. The new section reads as follows (shown with headings of the root clauses for context and abridged for brevity, with amendments underlined):

“…

Restricted Activities And Holds

…

Actions We May Take if You Engage in Any Restricted Activities

…

If you use your PayPal account primarily for the purposes of your trade, business, craft or profession and you violate the Acceptable Use Policy, then:

in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy;

you acknowledge and agree that USD 2,500.00 (or the prevailing equivalent in the currency of the country in which you reside) per violation of the Acceptable Use Policy is:
- a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated;
- reasonable and proportionate in its application to the provision of the Services to you; and
- necessary, but no more than sufficient, to protect PayPal’s legitimate interest in your compliance with the Acceptable Use Policy; and

PayPal may deduct such damages directly from any existing balance in any PayPal account you control.

…”

2. Other Legal Terms – Our Rights – Information About You

We have amended the section headed “Other Legal Terms – Our Rights – Information About You” to clarify your obligations to provide PayPal with information about you to facilitate our actions described in the user agreement, enable us to reduce the risk of fraud or comply with our regulatory (including anti-money laundering) obligations. The section headed “Other Legal Terms – Our Rights – Information About You” now reads as follows (shown with headings of the root clauses for context, with amendments underlined):

“…

Other Legal Terms

…

Our Rights

…

Information About You

We may request information from you as we reasonably require to facilitate our actions described in this user agreement, enable us to reduce the risk of fraud or comply with our regulatory (including anti-money laundering) obligations. You must comply with these requests in a timely fashion. This may involve you faxing, emailing or otherwise providing to us at your own expense identification documents and information about your finance and operations (such as your most recent financial statements and merchant processing statements).

…”

3. Commercial Transaction Refund Fee

Section A4.3. of Schedule 1: Table of Fees has been amended to reflect that when you as a merchant reverse a Commercial Transaction payment, we will retain the fees that you have paid to receive the original payment:

A4.3. Commercial Transaction Refund Fee

If you refund a Commercial Transaction payment, there are no fees to make the refund, but the fees you originally paid to receive the payment are not returned to you.

4. Other changes

Sections of the PayPal User Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors including the following existing sections:

Section	Amendment
About Your Account – Welcome to PayPal! (last paragraph)	The reference to “60 days” has changed to “two months”.
About Your Account – Closing Your PayPal Account (last paragraph)	The reference to “60 days” has changed to “two months”.

Notice of Amendment to PayPal Legal Agreements

Issued: January 2, 2020

Please read this document.

We’re making changes to the legal agreements that govern your relationship with PayPal.

We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.

Updates to the User Agreement

Effective Date: March 5, 2020

Please click HERE to view an updated copy of the intended changes.

You can find the current PayPal User Agreement by clicking here or accessing it via the “AGB”, "Legal" or “Legal Agreements” footer on most PayPal site pages.

1. Fees – Commercial Transaction Refund Fee

Section A4.3. (Commercial Transaction Refund Fee) of Schedule 1 (Table of Fees) is amended to clarify that, if you carry out a refund of a Commercial Transaction payment, all of the fees originally paid by you to receive the payment will not be returned to you.

Section A4.3. (Commercial Transaction Refund Fee) of Schedule 1 (Table of Fees) (presented in context with the column headings) now reads as follows (with amendments shown in italic):

A4.3. Commercial Transaction Refund Fee

If you refund a Commercial Transaction payment, there are no fees to make the refund, but the fees you originally paid to receive the payment are no returned to you.

2. Other changes

Sections of the PayPal User Agreement have been amended to clarify and reorganize existing wording and correct minor typographical errors.

Policy Updates

Last update: September 17, 2019

Please read this document.

We’re making changes to the legal agreements that govern your relationship with PayPal.

We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.

Updates to the User Agreement

Effective: 11 December 2019

We’re unveiling an entirely redesigned User Agreement for our customers. We’ve worked hard to make this new User Agreement a more user-friendly experience with content that makes it easier for you to understand your rights and obligations when it comes to using PayPal’s products and services.

Here’s what we’ve done:

We’ve redesigned the User Agreement to simplify its format, with new colour-coded headings so you can find the information most relevant to your account more easily. We’ve revised and reorganised the content of the User Agreement to be easier to follow and to include information where you’d naturally look for it. We’re not changing the meaning of what we say, only how we say it and where you can find it.

B. An updated User Agreement, will be available after 10 October 2019. Please click HERE to view once available.

UPDATES TO THE PAYPAL USER AGREEMENT – EFFECTIVE DATE AUGUST 19, 2019

With effect towards August 19, 2019 we make the following changes to the PayPal User Agreement:

4.6. Refused Transaction and Refunds sent by the recipient

We have amended clause 4.6. on refused and refunded transactions, with a special focus on transactions which have been subject to a currency conversion:

4.6. Refused Transactions and Refunds sent by the recipient

We may allow the recipient of your payment to:

refuse to accept it; or
decide to accept it and then use the PayPal Services to send you a refund of all or any part of the amount of the payment later.

We will return the amount of any refused payment or refunded payment to your Balance. We will return the amount of an unclaimed payment to your Balance within 30 days after the date you initiated the payment.

If any amount of any payment is returned to you in any of the ways outlined above, we may convert the returned amount for you into either:

the currency of the Balance you used for the original payment (before any conversion into the currency received by the recipient happened);
the original opening currency of your PayPal Account.

If the original payment you sent involved a currency conversion we will convert the returned amount from the currency received by the recipient as follows:

if the amount is returned within 1 day of the date of the original payment, we will use the transaction exchange rate applicable on the date of the original payment, so that you receive the original amount (including the currency conversion fee you paid) in the original currency you converted from for the original payment; and
if the amount is returned after 1 day of the date of the original payment, we will use the transaction exchange rate applicable at the time of the conversion of the returned amount. See Section 8.2. for more information about how we set the transaction exchange rate.

We may also automatically withdraw the returned amount from your Balance and transfer the funds back to the funding source you used for the original payment. Withdrawals can also involve a currency conversion – see Section 6.

We may decide to not charge your original Funding Source for the original payment in the first place if the amount is returned to your Balance as outlined above before the payment from your original Funding Source to PayPal to fund your original payment has settled.

The returned amount could be lower in value than your original payment amount. This can happen as a result of:

the recipient sending you a refund lower in value than your original payment amount. As we are only a payment service provider, we cannot know what you are entitled to from the original payment recipient as a refund or why the recipient sent the refund in a particular amount; or
transaction exchange rate fluctuations.

PayPal is not responsible for any loss resulting from the recipient's decision to refuse or refund your payment, except to the extent that a refund sent by the recipient is a payment executed incorrectly by PayPal (see Section 12).

5.8. Your Refund Policy, Data Protection, Privacy Policy and Security

For better overview, we have divided clause 5.8. into sub-clauses. With the exception of adding the sub-clauses 5.8.1., 5.8.2., and 5.8.3. and the respective headlines, we have not applied any further changes:

8. Fees and Currency Conversions

We have divided our previous clause 8.2. Currency Conversion into two sub-clauses (8.2. Currency Conversion and 8.3. Currency Conversion Choices), but did not make any change to the actual content.

UPDATES TO THE PAYPAL USER AGREEMENT – EFFECTIVE DATE OCTOBER 21, 2019

With effect towards October 21, 2019 we make the following changes to the PayPal User Agreement:

A4.1. Currency Conversion Fee

We will increase the Currency Conversion Fee according to clause A4.1. of the PayPal User Agreement from 2.50% to 3.00% as well as some of the fees for other transactions as per the table below:

A4.1. Currency Conversion Fee

For currency conversions processed in your PayPal Account outside or prior to a Personal Transaction or a Commercial Transactions (including, but not limited to converting a Balance to another currency before withdrawal) as well as for transaction requiring a currency conversion for which the payment recipient (Seller) has agreed to bear the Fee PayPal shall charge of Fee in an amount equal to 3.00% above the base exchange rate (“Currency Conversion Fee”).

For all other transaction that require a currency conversion and for which the payment recipient (Seller) has not agreed to bear the Currency Conversion Fee, PayPal shall charge the following Currency Conversion Fee, each in percentage above the base exchange rate (to form the transaction exchange rate):

CURRENCY CONVERSION FEE ACCORDING TO CURRENCY
Currency converted to	Currency Conversion Fee
Australian dollars (AUD)	4.00%
Brazilian real (BRL)	4.00%
British pounds sterling (GBP)	4.00%
Canadian dollars (CAD)	3.50%
Czech koruna (CZK)	4.00%
Danish kroner (DKK)	4.00%
Euros (EUR)	4.00%
Hong Kong dollars (HKD)	4.00%
Hungarian forint (HUF)	4.00%
Israeli new shekels (ILS)	4.00%
Japanese yen (JPY)	4.00%
Malaysian ringgit (MYR)	4.00%
Mexican pesos (MXN)	4.00%
New Taiwan dollars (TWD)	4.00%
New Zealand dollars (NZD)	4.00%
Norwegian kroner (NOK)	4.00%
Philippine pesos (PHP)	4.00%
Polish zloty (PLN)	4.00%
Russian rubles (RUB)	4.00%
Singapore dollars (SGD)	4.00%
Swedish kronor (SEK)	4.00%
Swiss francs (CHF)	4.00%
Thai baht (THB)	4.00%
US dollars (USD)	3.50%

Other than that, clause A4.1. and all other provisions of the PayPal User Agreement remain unchanged.

Policy Updates

Last update: January 30, 2019

This page shall serve as advance information for PayPal Users with regards to important upcoming changes of the PayPal Services, the PayPal User Agreement, and other policies (collectively, the “Legal Agreements”).

Please read this document carefully. PayPal will change the Legal Agreements with effect to April 29, 2019.

You do not need to do anything to accept the changes as they will automatically come into effect on April 29, 2019.

Should you decide you do not wish to accept the changes, you can notify us prior to April 29, 2019 to close your account (https://www.paypal.com/at/cgi-bin/?&cmd=_close-account) immediately without incurring any additional charges.

All changes and updates to the Legal Agreements are on this page highlighted in italic. This highlighting shall ensure better traceability of the changes and updates applied.

Updates to the PayPal User Agreement

We have made the following amendments to our PayPal User Agreement:

5. Receiving E-Money

By way of reminder for merchants using PayPal to receive Commercial Transaction payments, on November 13, 2018 PayPal started to enable some customers without Accounts to send payments to merchants’ Accounts using alternative local payment methods.

For this purpose, on November 13, 2018, the opening paragraph of Section 5. of the PayPal User Agreement was amended to clarify how further terms of use apply to merchants when they integrate into their online checkout/platform any functionality intended to enable a customer without a PayPal Account to send a payment to the merchant’s PayPal Account (for instance, using alternative local payment methods). This includes the PayPal Local Payment Methods Agreement.

Since November 13, 2018, the opening paragraph of Section 5. has read and been applied (and will continue to read and be applied) as follows:

5. Receiving E-Money

PayPal may allow anybody (with or without a PayPal Account) to initiate a payment resulting in the issuance or transfer of E-Money to your PayPal Account. By integrating into your online checkout/platform any functionality intended to enable a payer without a PayPal Account to send a payment to your PayPal Account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Local Payment Methods Agreement.

Updates to the PayPal Buyer Protection Policy

We have made the following amendments to our PayPal Buyer Protection Policy:

5.1. Timelines

In clause 5.1., we have changed the timelines from a fixed ten days to a more flexible timeline reflecting the individual case:

5.1. Timelines

The Buyer must reply in a timely manner to any questions asked by PayPal in regards to the PayPal Buyer Protection Claim. PayPal may decline the Claim if the Buyer does not provide an answer within the stated timeframe. PayPal may extend this timeframe in case of extraordinary circumstances which are outside the control of the Buyer.

Notice of amendment to the PayPal Privacy Statement

We’re making changes to the Privacy Statement that provides information on how we use your data.

We've provided additional details on how we use data when you transact with your friends, as well as more information on how we use data to prevent fraud and risk.

You can review the changes and the current Privacy Statement here.