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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 March 2013, please view this pdf.

*For past policy updates between April 2013 and Dec 2018, please view this pdf.

 

This Page

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

 

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

Issued: 9 August 2022

 

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 familiarise yourself with the upcoming 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.

 

Amendments to the PayPal User Agreement

Effective 19 September 2022:

  • Business accounts will not be able to receive personal transactions and PayPal accounts will not be able to send personal transactions to business accounts. Whilst we are updating our User Agreement in relation to this change on the above effective date, we will only implement this change from 31 October 2022.
  • 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.
  • We are clarifying that if you post or publish any content on our platform or using our services that violate our Acceptable Use Policy, we may reject or remove that content from our platform or services. This is in addition to other actions we may take for violations of our Acceptable Use Policy.

Review the updated User Agreement.

 

Amendments to the Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS)

Effective 19 September 2022:

  • Business accounts will not be able to receive personal transactions and PayPal accounts will not be able to send personal transactions to business accounts. Whilst we are updating our online agreements in relation to this change on the above effective date, we will only implement this change from 31 October 2022.
  • We have added additional currencies and the corresponding minimum and maximum fees for withdrawing balance to an eligible linked debit card or bank account under clause 18.20.

Review the updated CFSGPDS.

 

Amendments to PayPal Fundraisers terms (previously Generosity Network)

Effective 19 September 2022:

  • Generosity Network is being renamed as PayPal Fundraisers, and we're updating all relevant references accordingly. 
  • We are changing the applicable fees for Personal Fundraisers that are Unlisted Fundraisers where:
    • the applicable standard personal transaction rates, and all other applicable fees for personal transactions set out in the CFSGPDS will apply for sending donations (please note, whilst there will be no fees if the transactions are funded by PayPal balance or linked bank account, in some cases, in particular if the transaction is an international donation, there may be an increase in transaction fees compared to the current fees for sending donations to a PayPal Fundraiser); and
    • the Fundraiser Creator will not be charged a fee for receiving donations.

Review the updated PayPal Fundraisers terms (previously Generosity Network).

 

Amendments to PayPal Acceptable Use Policy 

Effective 19 September 2022:

  • We are expanding the existing list of prohibited activities to include activities that involve the publication of certain harmful content.

Review the updated Acceptable Use Policy.

 

This Page

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

 

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

Issued: 10 May 2022

 

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 familiarise yourself with the upcoming 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.

 

Amendments to the PayPal Generosity Network Terms and Conditions

Effective 17 June 2022, we are:

  • removing references to business fundraisers in the Generosity Network terms to reflect that only users with personal accounts may create fundraisers on Generosity Network.

Review the updated PayPal Generosity Network Terms and Conditions.

 

Amendments to the PayPal Pay After Delivery (PAD) Agreement

Effective 17 June 2022, we are:

  • discontinuing Pay After Delivery (PAD) as a payment option for all Australian PayPal users. This means you will not be able to use PAD for any new transactions from the above effective date. If you initiated a transaction using PAD as a payment option prior to the above effective date, then the PayPal PAD Agreement will continue to apply until the PAD payment is completed. When all PAD customer payments have been processed the PayPal PAD Agreement will be removed in its entirety from our websites. If you would like to find out more about the discontinuation of PAD, please see here. For information about an alternative deferred payment method please see www.paypal.com/au/webapps/mpp/paypal-payin4.

Review the updated PayPal Pay After Delivery (PAD) Agreement.

 

This Page

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

 

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

Issued: 11 February 2022

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 familiarise yourself with the upcoming 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.

 

Amendments to the PayPal User Agreement

Effective 21 March 2022, we are:

  • Revising PayPal’s Seller Protection programs to expand the list of ineligible items to include certain Non-Fungible Tokens (NFTs) with a transaction amount of more than $10,000USD.
  • Removing or modifying references to eBay that are no longer applicable.

Review the updated User Agreement.

Review the updated Seller Protection program.

 

Amendments to the Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS)

Effective 21 March 2022, we are:

  • Removing or modifying references to eBay that are no longer applicable.

Review the updated CFSGPDS.

 

Amendments to other Legal Agreements

Effective 21 March 2022, we are:

  • Removing or modifying references to eBay that are no longer applicable, in the following agreements:
    • Privacy Statement
    • Merchant Gift Certificate Agreement
    • Digital Gifts Terms and Conditions

 

This Page

This page displays policy updates which notify users of important changes to the Australia PayPal User Agreement or other online agreements, policies, or statements. You can also review “Past Policy Updates.

 

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

Issued: 29 October 2021

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 familiarise yourself with the upcoming changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes, then you will need to close your PayPal account prior to the applicable effective date.

 

Amendments to the PayPal User Agreement

Effective: 10 December 2021

We are:

  • Relocating PayPal’s Buyer Protection program and Seller Protection program terms to separate web pages. These program terms are accepted at the time you agree 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 abuse of our online dispute resolution process, PayPal’s Buyer Protection program, and / or PayPal’s Seller Protection program are restricted activities as defined under our User Agreement.

See the updated User Agreement.

 

Amendments to the Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS)

Effective: 10 December 2021

We are updating our Additional Fees by including other currencies and applicable fees for withdrawals you could make to the eligible bank account or cards.

See the updated CFSGPDS.

 

This Page

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

 

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

Issued: 11 August 2021

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 familiarise 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: 21 September 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 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 also updating the complaints handling section to align with the upcoming regulatory changes that will come into effect on 5 October 2021.
  • To review the updated User Agreement, please click HERE.

 

Amendments to the Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS)

Effective: 21 September 2021

  • We are requiring sellers 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. Otherwise, such statement will be binding and final and PayPal is entitled to not make any corrections (unless otherwise required by law).
  • We are also updating the complaints handling section to align with the upcoming regulatory changes that will come into effect on 5 October 2021.
  • To review the updated CFSGPDS, please click HERE.

 

Amendments to the PayPal Acceptable Use Policy

Effective: 21 September 2021

  • We are expanding the existing list of prohibited activities and clarifying the matrix of commercial activities requiring pre-approval.
  • To review the updated Acceptable Use Policy, please click HERE.

 

Amendments to the PayPal Alternative Payment Methods Terms

Effective: 21 September 2021

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

To review the updated PayPal Alternative Payment Methods Terms, please click HERE.

 

Amendments to the Money Pool terms and conditions

Effective: 30 September 2021

PayPal will retire the Money Pool Service as of 8 November 2021, and:

  • the ability to create new Money Pools will be disabled on 30 September 2021;
  • all open Money Pools will have a maximum duration of 30 days applied from 30 September 2021, and will expire on 30 October 2021 (or earlier if you have set an earlier expiry date for your Money Pool);
  • you will need to move any money from your existing Money Pool into your PayPal balance before 8 November 2021. Otherwise, we will move any remaining money for you into your PayPal balance after that date;
  • if you currently are or have been a Money Pool organiser, please keep a copy of the list of contributors to your Money Pools for recordkeeping. Records of your Money Pool will no longer be available after 8 November 2021.

For more details in relation to Money Pool discontinuation, please click here.

To review the updated Money Pool terms, please click HERE.

 

This Page

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

 

Notice of amendments to Direct Debit Request Service Agreement

Issued Date: 10 June 2021

This notice applies to PayPal customers who have linked a bank account to their PayPal account.

At the time of linking your bank account to your PayPal account, you provided us with a request and your authority to direct debit your bank account each time you selected your bank account as a funding source for making payments using PayPal (“Direct Debit Request”). You also accepted the terms of the Direct Debit Request Service Agreement, which sets out your rights and responsibilities in relation to your Direct Debit Request.

We are making some changes to the form of Direct Debit Requests and our Direct Debit Request Service Agreement which clarify and provide further information on how you can manage your direct debit authorisation. These changes will be effective on 25 June 2021 and will apply to bank accounts that have been linked to your PayPal account.

The updated Direct Debit Request and Direct Debit Request Service Agreement can be found here.

 

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

Issued: 14 May 2021

 

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 familiarise 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: 30 June 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 that our contact number 1800 073 263 can only be called from an Australian landline.
  • We are clarifying the product “Mass Pay” or “Masspay” is now named “PayPal Payouts” globally.
  • We are also removing references and provisions in relation to PayPal Here as PayPal Here (the card reader devices and the PayPal Here app) will no longer be available in Australia after the above effective date. This means you will not be able to accept PayPal Here payments using the PayPal Here device or via the PayPal Here app from that date. If you would like to find out more about this, please see here.

To review the updated User Agreement, please click HERE.

 

Amendments to the Combined Financial Services Guide and Product Disclosure Statement

Effective: 30 June 2021

  • We are clarifying that our contact number 1800 073 263 can only be called from an Australian landline. Our other contact number +61 8223 9500 can still be reached via mobile phones.
  • We are clarifying the product “Mass Pay” or “Masspay” is now named “PayPal Payouts” globally.
  • We are also removing references and provisions in relation to PayPal Here as PayPal Here product (the card reader devices and the PayPal Here app) will no longer be available in Australia after the above effective date. This means you will not be able to accept PayPal Here payments using the PayPal Here device or via the PayPal Here app from that date. If you would like to find out more, please see here.

To review the updated CFSGPDS, please click HERE.

 

We are updating the PayPal User Agreement for all users in Australia. The changes described below will go into effect on 30 June 2021. There is no action needed from you, as these changes will automatically go into effect on the effective date above. In the event you would prefer to decline the changes and close your account, you can do so prior to the effective date, and the changes will not apply to you.

 

Notice of Amendment(s) to Australia PayPal Agreement(s)
Issued: 30 January 2021

This Page
This page displays policy updates which notify users of important changes to the Australia PayPal 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 familiarise 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: 12 March 2021

  • We are revising the listed exclusions to PayPal’s Buyer Protection and Seller Protection to be globally consistent and to clarify which transactions are eligible for protection and which transactions are not eligible for protection including how guest transactions will be treated under the Seller Protection program.
  • We are revising PayPal’s Seller Protection so it does not apply where a merchant ships a physical item or fulfills a purchase order more than two days after being notified by PayPal that the transaction is being disputed, reversed, or is otherwise unauthorised.
  • We are clarifying our PayPal Payouts and Mass Pay services terms, including that they may only be used to make multiple or bulk payments, not individual or other ineligible payments, and that merchants are responsible for obtaining the applicable consents from their payout recipients.
  • We are clarifying PayPal’s data protection roles and responsibilities in connection with the processing of personal data using the PayPal services.

To review the updated User Agreement, please click HERE.

 

Amendments to the PayPal User Agreement (Effective 6 November 2020)

To review the updated PayPal User Agreement, please click here.

  • We are updating the policies with which you agree to comply when you open and use a PayPal account.
  • We are clarifying the circumstances under which Commercial Entity Agreements apply to business and personal accounts.

Amendments to the Combined Financial Services Guide and Product Disclosure Statement (Effective 6 November 2020)

To review the updated Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS), please click here.

  • We are increasing the fee for withdrawing your USD balance to your linked United States bank account from 2.5% to 3.0%.

Amendments to the following agreements: PayPal Online Card Payment Services Agreement, PayPal Here Terms and Conditions, and Merchant Services Agreement for Payflow (Effective 6 November 2020):

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

 

Amendments to the PayPal User Agreement (Effective 31 July 2020)

To review the updated PayPal User Agreement, please click here.

  • We are expanding our Seller Protection Policy to include digital goods, and further clarifying the terms and conditions with respect to the coverage of intangible items under our Seller Protection Policy.
  • We are clarifying that our Seller Protection Policy does not cover Unauthorised Transactions initiated in an environment not hosted by PayPal.
  • For “Significantly Not as Described” claims under our Seller Protection Policy, sellers may not receive the item back, or may be required to accept the item back and pay for the return shipping costs.
  • We are adding payments made in respect of gold (in physical form or in exchange-traded form) to the list of ineligible items and transactions under our Seller Protection Policy.
  • Items intended for resale, including single item transactions or transactions that include multiple items, are not eligible for reimbursement under our Buyer Protection Policy.
  • To be eligible for our Buyer Protection Policy, buyer must attempt to contact the seller to resolve their issue directly prior to filing a claim with PayPal.
  • We are also clarifying how in-person QR code transactions will be dealt with under our Buyer Protection Policy and Seller Protection Policy.

 

Amendments to the Combined Financial Services Guide and Product Disclosure Statement (Effective 31 July 2020)

To review the updated Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS), please click here.

  • We are clarifying the fees payable by the sellers in relation to transactions processed through QR codes in person, which will be payable on and from 1 October 2020 (or a later date as determined and offered by us). Prior to this date, transaction fees on QR code payments are temporarily waived to help business impacted by COVID-19. Other fees for using the PayPal services may apply.

 

Amendments to the PayPal User Agreement (Effective 13 March 2020)

To review the updated User Agreement, please click here.

  • We are clarifying how merchants must treat PayPal marks and payment methods offered at the points of sale.
  • We are clarifying that merchants must cooperate with PayPal’s reasonable requests for financial statements and other information in a timely fashion.

 

AMENDMENTS TO THE PAYPAL USER AGREEMENT AND THE COMBINED FINANCIAL SERVICES GUIDE AND PRODUCT DISCLOSURE STATEMENT

 

We are updating the PayPal User Agreement and Combined Financial Services Guide and Product Disclosure Statement (PDS). The changes described below will go into effect on 4 September 2019. There is no action needed from you, as these changes will be effective from this date. In the event you would prefer to decline the changes by closing your account, you can do so prior to the above effective date, and the changes will not apply to you.

 

Amendments to the PayPal User Agreement and PDS

To review the updated User Agreement, please Click HERE.

To review the updated Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS), please click here.

We are changing the PayPal currency conversion fee to 4% for converting all currencies (including US and Canadian dollars), for transactions that involve a PayPal currency conversion when you pay for goods or services, receive a refund (beyond 1 day from the original payment) or send money. For all other transactions involving a PayPal currency conversion, we are changing the PayPal currency conversion fee to 3%.

 

AMENDMENTS TO THE PAYPAL ACCOUNT USER AGREEMENT AND THE COMBINED FINANCIAL SERVICES GUIDE AND PRODUCT DISCLOSURE STATEMENT

 

We are updating the PayPal User Agreement and Combined Financial Services Guide and Product Disclosure statement (PDS). The changes described below will go into effect on July 10, 2019. There is no action needed from you, as the changes will be effective from this date. In the event you would prefer to decline the changes by closing your account, you can do so prior to the effective date and the changes will not apply to you.

 

Amendment applicable to Buyers

  • If PayPal performs a currency conversion for your purchase, and the purchase is refunded at a later date, PayPal will perform a currency conversion for the refund at the transaction exchange rate (including a currency conversion fee) in effect on the date of the refund.

 

Amendment applicable to Sellers

  • PayPal may use any of the payment methods linked to a seller’s PayPal account to prevent the seller’s account from becoming negative when there are not sufficient funds in the account for seller refunds, reversals and chargebacks.

 

To review the updated User Agreement, please Click HERE.

To review the updated Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS), please click here.

 

AMENDMENTS TO THE PAYPAL ACCOUNT USER AGREEMENT

We are updating the PayPal User Agreement, and the Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS). These changes will go into effect on May 6, 2019. If you agree to these changes, you don’t have to do anything. If you don’t agree with these changes, you may close your account. If you close your account before May 6, 2019, the changes will not apply to you.

 

Amendments to the PayPal User Agreement and the CFSGPDS

To review the updated User Agreement, please Click HERE.

To review the updated Combined Financial Services Guide and Product Disclosure Statement (CFSGPDS), please click here.

  • We’re removing the flat rate pricing for sending money to friends and family members who have PayPal accounts in a country other than the Australia and introducing a new variable fee of 5% based on the amount you send with a minimum of 0.99 AUD and a maximum of 5.99 AUD per transaction. We’re also removing any variation depending on the recipient’s country.
  • We’re changing how we treat refunds. If you refund (partially or fully) a transaction to a buyer or a donation to a donor, there are no fees to make the refund, but the fees you originally paid as the seller will not be returned to you.

 

Changes to PayPal Legal Agreements

 

EFFECTIVE DATE: 28 March 2019

 

Updates to the Australia User Agreement

PayPal is making some changes to its User Agreement, Privacy Statement, and Combined Financial Services Guide and Product Disclosure Statement. The changes will be effective to all PayPal Users in the AU on 28 March, 2019. We encourage you to review this Policy Update and familiarise yourself with all the changes that are being made. By continuing to use your PayPal account from that date, you’re agreeing to the changes. If you do not agree to these changes, you must close your account before 28 March 2019.

 

Amendments to the PayPal User Agreement

To review the updated User Agreement, please Click HERE.

We have made some changes in the User Agreement mainly to clarify:

  • how you can manage your money in multiple currencies;
  • how we convert currency; and
  • when we will charge a currency conversion fee.

 

Amendment to the PayPal Privacy Statement

To review the updated Privacy Statement, please Click HERE.

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.

 

Amendments to our Combined Financial Services Guide and Product Disclosure Statement

To review the updated Combined Financial Services Guide and Product Disclosure Statement, please Click HERE.

A summary of changes follows:

  • We have removed the Argentine Peso from our currency listings in the following sections:
    • 18.9 – Fixed Fees
    • 18.13 – Chargeback Fees
    • 18.14 – eCheque Fees
    • 18.15 – Mass Payments
  • We are also clarifying how and when we convert currency.
  • Other minor amendments have been made for clarity.

 

Reminder of PayPal Local Payment Methods Agreement

To review the Local Payment Methods Agreement, please Click HERE.

  • As a reminder for merchants using PayPal to receive Commercial Transaction payments, on 17 November 2018 PayPal started to enable some customers without Accounts to send payments to merchants’ Accounts using alternative local payment methods.