Past Policy Updates

>> View all legal agreements

>> View upcoming policy updates

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 24 October 2024

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

This Page

This page details and/or previews updates to PayPal users of changes to the Belgium 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: 24 October 2024

Amendments to the PayPal Business Debit Mastercard® Cardholder Agreement
Effective 24 October 2024

We are enhancing the PayPal Business Debit Mastercard service to allow PayPal Business Debit Mastercard customers to request a digital Card as well as a physical Card.

Review the updated Business Debit Mastercard Terms and Conditions

Last updated on 29 August 2024

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

This Page

This page details and/or previews updates to PayPal users of changes to the Belgium 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. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Notices

Issued: 8 July 2024

Amendments to the PayPal User Agreement
Effective: 10 October 2024

We are updating the “Your use (as a seller) of personal data; Data protection laws” section of the PayPal User Agreement to remove any duplicative language and improve clarity.

We are clarifying that merchants are permitted to share customer personal information provided to them by PayPal with their service providers. We are also asking that merchants acknowledge they have the rights and authorities to share personal data with PayPal. This is a requirement under existing user agreement for merchant to comply with applicable data protection laws.

We are removing the following documents from the Legal Agreements page: (i) Key Payment and Service Information and (ii) User Agreement Reference Notes. A pdf version of the Key Payment and Service Information document and User Agreement Reference Notes is available using the links below.

Review the updated User Agreement

Key Payment and Service Information

User Agreement Reference Notes

Amendments to the PayPal Online Payment Services Agreement
Effective: 10 October 2024

We are changing this agreement to introduce a new service, the SEPA Direct Debit service, which will allow merchants to accept SEPA Direct Debits as a payment method. Consequently, we are renaming this agreement to PayPal Online Payment Services Agreement.
We are also changing our Merchant fee page to introduce new fees relating to this service.
We are introducing new terms and fees for Fraud Protection Tools, as an optional additional service.

Review the updated PayPal Online Payment Services Agreement

Review the updated Merchant Fees page

Introduction of PayPal Platform Seller Agreement
Effective: 8 July 2024

We are launching the PayPal Platform Seller Agreement which can be found on the Legal Agreement(s) page.

Amendments to the PayPal Alternative Payment Methods Agreement
Effective: 8 July 2024

We are removing the following redundant sentence in section 3: “The additional percentage-based fee for international commercial transactions set out in the User Agreement does not apply when you receive APM Payments”. This information is already covered in the PayPal Merchant Fee page. Removal of this sentence does not change how PayPal charges for APM Payments or additional percentage-based fees for international commercial transactions.

Issued: 29 August 2024

Amendments to the PayPal Alternative Payment Methods Agreement
Effective: 29 August 2024

We are updating Annex 1 to reflect the terms applicable to Apple Pay and to add Google Pay as a new payment method.

Review the updated PayPal Alternative Payment Methods Agreement

Last updated on 28 March 2024

Notice of Amendment(s) to the Belgium 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

Notices

Issued: 28 March 2024

Removal of SOFORT as an alternative payment method and deletion of related terms
Effective: 28 May 2024

SOFORT is no longer available as an alternative payment method and is removed from the list of alternative payment method providers contained in Annex 1 of the PayPal Alternative Payment Methods Agreement.

Issued: 11 March 2024

Amendments to the Privacy Statement for PayPal Services
Effective 15 April, 2024:

We are now offering package tracking as part of the PayPal services and we are updating our privacy statement to clarify that we may receive package tracking information from merchants when you Pay with PayPal or from your email when you provide consent.

Issued: 21 February 2024

Amendments to the PayPal User Agreement
Effective 28 May, 2024:

We are clarifying our Taxes and Information Reporting terms and our currency conversion terms.
We are making changes to clauses on ‘Indemnification and Limitation of Liability’ and ‘Governing law and Jurisdiction’ to clarify which provisions apply to consumers or non-consumers and to distinguish our liability and warranties in respect of consumers and non-consumers.

Review the updated PayPal User Agreement

Amendments to the PayPal Buyer Protection Program
Effective 28 May, 2024:

We are revising PayPal’s Buyer Protection Program to exclude Non-Fungible Tokens (NFTs) from eligibility.
In addition to meeting all other eligibility requirements for PayPal’s Buyer Protection Program, disputes asserting Significantly Not as Described claims must be opened by the buyer in the Resolution Centre within 30 days of the delivery or fulfilment of an order or within 180 days of the date a payment was sent by the buyer to the seller, whichever is sooner. The timeframes for opening other disputes asserting other claim types (including Item Not Received, Unauthorised Transactions, or other errors) are not changing at this time.

Review the updated PayPal Buyer Protection Program

Amendments to the Seller Protection Program
Effective 28 May, 2024:

We are revising PayPal’s Seller Protection Program to exclude from eligibility Non-Fungible Tokens (NFTs) with a transaction amount of:
- $10,000.01 USD or above (or equivalent value in local currency as calculated at the time of the transaction);
- $10,000.00 USD or below (or equivalent value in local currency as calculated at the time of the transaction), unless the buyer claims it was an Unauthorised Transaction and the transaction meets all other eligibility requirements.

Review the updated PayPal Seller Protection Program

Minor editorial corrections to the Merchant Fee Page
Effective 28 May, 2024:

We are correcting the following typographical errors on the English language version of the Merchant Fee page.

In the table entitled “Standard rate for receiving domestic transactions”, we are adding a “%” symbol after “3.40 + fixed fee” in the transaction type “All Other Commercial Transactions”.

Last updated on 12 October 2023

Notice of Amendment(s) to the Belgium 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

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.

Review the updated PayPal User Agreement

Amendments to PayPal’s Seller Protection Program
Effective 16 January 2024:

We are revising PayPal’s Seller Protection Program to exclude from eligibility:
- Item Not Received claims filed by buyers as chargeback claims with their card issuers for card-funded transactions.

Review the updated Seller Protection Program

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

Amendments to the PayPal Online Card Payment Services Agreement

Effective 16 January 2024:

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 introducing new terms and fees for Advanced Credit and Debit Card Payment users who opt in to be charged under the Interchange Plus Plus Fee Structure.

Review the updated PayPal Online Card Payment Services Agreement

Review the updated Merchant fee page

Notices

Issued: 24 July 2023

Amendments to the PayPal User Agreement
Effective 19 October 2023:

we are introducing a new service fee of 1% of the transaction amount for instant withdrawals in Belgium, France, Italy, Luxembourg, the Netherlands and Portugal.

Review the updated Merchant fee page

Review the updated Consumer fee page

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 Belgium 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 User Agreement
Effective 19 October 2023:

we are introducing a new service fee of 1% of the transaction amount for instant withdrawals in Belgium, France, Italy, Luxembourg, the Netherlands and Portugal.

Review the updated Merchant fee page

Review the updated Consumer fee page

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 Belgium PayPal Agreement(s)

Issued: 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.

Amendments to the PayPal User Agreement

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

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 Belgium PayPal Agreement(s)

Issued: 9 August, 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 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.
Pricing for sending and receiving donations is also being updated. The new pricing will result in fee increases for some transactions. You can preview Consumer Fees page and the Merchant Fees page that will be effective following such changes.
We are clarifying that PayPal may reverse a payment if you receive(d) compensation from your bank.

Review the updated PayPal User Agreement

Notice of Amendment(s) to Belgium 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

Amendments to the PayPal User Agreement

Effective August 1, 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 Belgium 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 Belgium PayPal Agreement(s)

Issued: October 29, 2021

This Page

This page details updates to PayPal users of changes to the Belgium 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 Belgium Agreement(s)

Issued: August 11, 2021

This Page

This page displays policy updates which notify users of important changes to the PayPal Belgium 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 Belgium 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 Belgium 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 changing the inactivity fee to be EUR 10.00.
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.

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 – 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.

About Your Account – Fees

In this section, we have removed the last paragraph regarding the merchant rate as we will cease to offer the merchant rate for Belgian merchants.

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 – Dispute fees

We are establishing a dispute fee and its terms and conditions for sellers.

Receiving Payments – Refunds and reversals of payments – Chargeback fee

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

Receiving Payments – Merchant Rate

This section has been removed as we will cease to offer the merchant rate for Belgian merchants.

Other Legal Terms – Our Rights – Inactivity Fee

We are establishing an inactivity fee for accounts that have been inactive for at least 12 consecutive months.

Schedule 1: Table of Fees

A2.2.2. Fees for using the checkout solution included in the PayPal Commerce Platform

In section A2.2.2., we have removed the reference to the merchant rate and to section A2.2.3. as we will cease to offer the merchant rate for Belgian merchants.

A2.2.3. Merchant rate

Section A2.2.3. has been removed as we will cease to offer the merchant rate for Belgian merchants.

A3.1. Currency Conversion

In section A3.1.2. 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%.

A3.2. Withdrawing your Balance

In section A3.2. we have introduced a fee for withdrawals to a U.S. bank account associated with your PayPal account.

A3.3. Chargeback Fee and Dispute Fee

We have broken own section A3.3. into two sub-sections: A3.3.1. Chargeback Fee, which remains unchanged, and A3.3.2. Dispute Fee which is dealing with our newly introduced Dispute Fee.

A3.12 Inactive PayPal accounts

We have added a new section A3.12 dealing with the newly introduced inactivity fee.

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.

Schedule 1: Table of Fees

A2.4./A2.5. Receiving Payments Through QR Codes in Person

We have introduced new section A2.4./A2.5. 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.

2. Annex 1 – APMs

We have amended Annex 1 to introduce Blik (as a standalone service), Multibanco, POLi and Trustpay as new APMs.

3. Other changes

Sections of the PayPal Alternative Payment Methods Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors.

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: March 19, 2020

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.

New checkout solution

On and from the Effective Date, we may alternatively refer to the following products/functionalities (mentioned in the sections relating to the new checkout solution in the PayPal User Agreement) by their new names on our website and other written materials:

Current name	New name
new checkout solution	new checkout solution included in the PayPal Commerce Platform
Custom Card Fields	Advanced Credit and Debit Card Payments
Payments without a PayPal account service	Basic Credit and Debit Cards Payments
Fraud Tool / Custom Card Fields Fraud Management Filters	Fraud Protection

The new names will appear in the PayPal User Agreement on and from June 16, 2020. Please click HERE to view an updated copy of the changes intended to take effect on June 16, 2020.

Mass Payments

On and from the Effective Date, we may alternatively refer to Mass Payments by its new name “Payouts” on our website and other written materials. The new name will appear in the PayPal User Agreement on and from June 16, 2020. Please click HERE to view an updated copy of the changes intended to take effect on June 16, 2020.

Other changes

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

Updates to the PayPal Online Card Payment Services Agreement

Effective Date: March 19, 2020

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

1. Changes of names of various products and functionalities

On and from the Effective Date, we will alternatively refer to the following products/functionalities by their new names on our website and other written materials:

Current name	New name
Custom Card Fields	Advanced Credit and Debit Card Payments
Fraud Tool / Custom Card Fields Fraud Management Filters	Fraud Protection
Custom Card Fields API	Advanced Credit and Debit Card Payments API

2. Other changes

Sections of the PayPal Online Card Payment Services Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors.

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. Fees – Commercial Transaction Refunds

As a reminder (as notified on January 2, 2020) section A3.4 (Commercial Transaction Refunds) of Schedule 1 (Table of Fees) was amended on March 5, 2020 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. The amendment to section A3.4 (Commercial Transaction Refunds) of Schedule 1 (Table of Fees) which took effect on March 5, 2020 will continue to read and be applied on and after the Effective Date.

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”.

Updates to the PayPal Online Card Payment Services Agreement

Effective Date: June 16, 2020

You can find the amended PayPal Online Card Payment Services Agreement below the version of that document currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. Vaulting Tool

We are pleased to introduce our new Vaulting Tool. We have added new section 7.2 (Vaulting Tool) and updated section 10 (Definitions) with terms specific to the new Vaulting Tool.

2. Account Updater Service

We are also pleased to introduce our new Account Updater Service. We have added new section 7.3 (Account Updater Service) and updated section 10 (Definitions) with terms specific to the new Account Updater Service.

3. Scope of Products

We have amended the section headed “About this Agreement” and section 10 (Definitions) to clarify that:

if you are offered and choose to use any Product, Online Card Payment Service or functionality (including technology) mentioned in the PayPal Online Card Payment Services Agreement , the terms of the PayPal Online Card Payment Services Agreement  relating to that Product, Online Card Payment Service or functionality apply to you.
Fraud Protection is now also an optional additional service in the PayPal Website Payments Pro suite of functionality.
the following functionalities are now also optional additional services in the Advanced Credit and Debit Card Payments suite of functionality:
any Website Payments Pro Functionality;
the Vaulting Tool; and
the Account Updater Service.
Virtual Terminal is now an Online Card Payment Service available to merchants and is part of the Website Payments Pro Functionality.

The section headed “About this Agreement” and the relevant parts of section 10 now read as follows (abridged for brevity and shown with headings of the root clauses for context, with amendments underlined):

About this Agreement

…

By integrating or using the Product and the Online Card Payment Service you agree to be bound by the terms of this Agreement. If you are offered and choose to use any Product, Online Card Payment Service or functionality (including technology) mentioned in this Agreement, the terms in this Agreement relating to that Product, Online Card Payment Service or functionality apply.

The Product is the following:

Advanced Credit and Debit Card Payments - a suite of functionality consisting of the Advanced Credit and Debit Card Payments API as standard and Fraud Protection as an optional additional service. We may also offer you as optional additional services any of the following:
any Website Payments Pro Functionality;
the Vaulting Tool; and
the Account Updater Service.

The Product includes one or more Online Card Payment Services. The Online Card Payment Services are:

Advanced Credit and Debit Card Payments API - Functionality for performing credit and debit card transactions, where the card details are entered online by the cardholder.
Virtual Terminal - Functionality provided by PayPal to enable you to receive a card payment by manually entering Card Data given to you by the cardholder.

Notice of Amendment to PayPal Legal Agreements

Issued: January 2, 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.

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 “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. Fees – Commercial Transaction Refunds

Section A3.4 (Commercial Transaction Refunds) 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 A3.4 (Commercial Transaction Refunds) of Schedule 1 (Table of Fees) (presented in context with the column headings) now reads as follows (with amendments shown underlined):

“…

A3.4 Commercial Transaction Refunds

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.

…”

2. Other changes

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

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.

Notice of Amendment to PayPal Legal Agreements

Issued: October 21, 2019 (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.

Notice of amendment to the PayPal Alternative Payment Methods Agreement.

Effective Date: October 21, 2019

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.

Annex 1 – APMs

We have amended Annex 1 to introduce Finnish (Verkkopankki), PayU (including Blik where powered by PayU) and Trustly as new APMs.

Notice of Amendment to PayPal Legal Agreements

Issued: October 1, 2019 (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.

Notice of amendment to the PayPal Local Payment Methods Agreement.

Effective Date: October 1, 2019

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

Change of name

The PayPal Local Payment Method Agreement is now called the PayPal Alternative Payment Methods Agreement. A Local Payment Method (LPM) is now called an Alternative Payment Method (APM). Corresponding changes have been made to other related terminology and to other agreements to reflect the new terminology.

No Seller Protection

We have added a note to section 4 as a reminder that, as already agreed in section 11.10 of the PayPal User Agreement, Seller Protection does not apply to APM payments.

Annex 1 – APMs

We have amended Annex 1 as follows:

to confirm that it is now possible for a merchant to use PayPal to refund the payer of a MyBank payment; and
to introduce Przelewy24 (P24) as a new APM.

Notice of Amendment to PayPal Legal Agreements

Issued: August 19, 2019 (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 this notice to familiarise yourself with the changes that are being made.

Notice of amendment to the PayPal User Agreement.

Effective Date: August 19, 2019

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.

Terms of use of our new checkout solution

We have added the following new sections to the PayPal User Agreement containing the terms (including fees) which apply if we offer you our new checkout solution and you choose to use it:

section 5.9 (New checkout solution); and

section A2.2.2 of Schedule 1 (Fees for using the new checkout solution)

New sections 5.9 and A2.2.2 of Schedule 1 read as follows:

“…

5.9 New checkout solution

Our new checkout solution consists of:

our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an Account to send a payment to your Account; and
our supporting Fraud Tool.

We may offer you all, any part or any combination of parts of the new checkout solution as our new checkout solution service. If we offer you the new checkout solution service and you choose to use it, in addition to this User Agreement, you agree to the following further terms relating to the following capabilities:

the PayPal Local Payment Methods Agreement, when you use our LPM functionality as part of the new checkout solution,; and
the PayPal Online Card Payment Services Agreement when you use:
- our Custom Card Fields service as part of the new checkout solution ; and
- our supporting Fraud Tool (otherwise called the Custom Card Fields Fraud Management Filters functionality or Fraud Tool in that agreement) as part of the new checkout solution,

Fees which may be set out in the PayPal Local Payment Methods Agreement and the PayPal Online Card Payment Services Agreement do not apply to your use of the new checkout solution. Instead, our Fees for using the new checkout solution at section A2.2.2 in Schedule 1 apply to your use of the new checkout solution.

…

A2.2.2 Fees for using the new checkout solution

	Payments from cards (Visa or Mastercard) using Custom Card Fields*		Card-funded payments from users of our Terms for Payments without a PayPal Account service	Payments from Local Payment Methods	Other payments
	Blended Pricing Fee Structure	Interchange Plus Fee Structure
Fee	1.80% + Fixed Fee	Interchange Fee + 1.80% + Fixed Fee	1.80% + Fixed Fee	Bancontact: 0.39 EUR Fixed Fee	Refer to Standard rate section (A2.2.1) and Merchant Rate section (A2.2.3)
				All other LPMs: 1.80% + Fixed Fee

* See the PayPal Online Card Payment Services Agreement for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices.

…”

Notice of publication of the new PayPal Online Card Payment Services Agreement

Effective Date: August 19, 2019

We have published a new PayPal Online Card Payment Services Agreement for sellers in the Netherlands who integrate or use Custom Card Fields and the Custom Card Fields API.

You can find the PayPal Online Card Payment Services Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

Notice of Amendment to PayPal Legal Agreements

Issued: 1 August, 2019 (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 this notice to familiarise yourself with the changes that are being made.

Notice of amendment to the PayPal User Agreement.

Effective Date: 21 October, 2019

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

1. Fees – Currency Conversion Fees

We are increasing:

the Currency Conversion Fee at section A3.1.1 in Schedule 1 (Table of Fees) from 2.5% to 3.0%; and
the Currency Conversion Fees at section A3.1.2 in Schedule 1 (Table of Fees) from 3.5% to 3.75% for conversions into the following currencies:
Czech Koruna (CZK)
Danish Krone (DKK)
Euro (EUR)
Hungarian Forint (HUF)
Norwegian Krone (NOK)
Polish Zloty (PLN)
Russian Ruble (RUB)
Swedish Krona (SEK)
Swiss Franc (CHF)
UK Pounds Sterling (GBP)
the Currency Conversion Fees at section A3.1.2 in Schedule 1 (Table of Fees) from 3.0% to 3.25% for conversions into the following currencies:
Canadian Dollar (CAD)
US Dollar (USD)

Section A3.1 (Currency Conversion) in Schedule 1 (Table of Fees) now reads as follows (with amendments underlined):

…

Activity or Event

Fee

A3.1 Currency Conversion

A3.1.1 For currency conversions of amounts in your PayPal account that do not form part of specific transaction into or out of your account (e.g. converting your balance to another currency) and for transactions involving a currency conversion for which the seller has agreed to bear the conversion fee:

3.0% above the base exchange rate (to form the transaction exchange rate.

A3.1.2 For all other transactions involving a currency conversion and for which the seller has not agreed to bear the conversion fee (including conversion of amounts returned to you as refunds or refused payments):

Between 3.0% and 4.0% above the base exchange rate (to form the transaction exchange rate depending on the currency into which the relevant amount is converted (please refer to the table below):

Currency and Code	Currency Conversion Fee
Australian Dollar (AUD):	4.0%
Brazilian Real (BRL):	4.0%
Canadian Dollar (CAD):	3.25%
Czech Koruna (CZK):	3.75%
Danish Krone (DKK):	3.75%
Euro (EUR):	3.75%
Hong Kong Dollar (HKD):	4.0%
Hungarian Forint (HUF):	3.75%
Israeli Shekel (ILS):	4.0%
Japanese Yen (JPY):	4.0%
Malaysian Ringgit (MYR):	4.0%
Mexican Peso (MXN):	4.0%
New Zealand Dollar (NZD):	4.0%
Norwegian Krone (NOK):	3.75%
Philippine Peso (PHP):	4.0%
Polish Zloty (PLN):	3.75%
Russian Ruble (RUB):	3.75%
Singapore Dollar (SGD):	4.0%
Swedish Krona (SEK):	3.75%
Swiss Franc (CHF):	3.75%
Taiwan New Dollar (TWD):	4.0%
Thai Baht (THB):	4.0%
U.K. Pounds Sterling (GBP):	3.75%
U.S. Dollar (USD):	3.25%

…

Notice of Amendment to PayPal Legal Agreements
Issued: May 29, 2019 (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.

Please review the current Legal Agreements in effect

Notice of amendment to the PayPal User Agreement.

Effective Date: May 29, 2019

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.

Sections of the PayPal User Agreement have been amended:

to clarify and reorganise existing wording, including the following existing sections:

Section	Amendment
8.2 Currency Conversion	The last four paragraphs of this section become new section 8.3 (Currency Conversion Choices).

; and

correct minor typographical errors.

Notice of amendment to the PayPal User Agreement.

Effective Date: August 19, 2019

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. Refused Transactions and Refunds

We are amending sections 4.6 (Refused Transactions), 5.7 (Your Refund Policy, Data Protection, Privacy Policy and Security) and A3.1.2 in Schedule 1 (Table of Fees) to clarify what happens when a payment is refused or later refunded by the recipient (including where the original payment involved a currency conversion and where a currency conversion (and, in some cases, a currency conversion fee) applies to the returned amount).

Section 4.6 is amended accordingly for payers receiving returned payments and is also renamed “Refused Transactions and Refunds sent by the recipient.”.

Section 5.7 is amended accordingly for recipients sending refunds or refusing payments and is also renamed “Refunds, Refused Payments, Your Refund Policy, Data Protection, Privacy Policy and Security” with a new section 5.7.1 (Refunds and Refused Payments) added for the purpose of this clarification.

Section A3.1.2 in Schedule 1 (Table of Fees) is amended accordingly.

Sections 4.6 and 5.7.1 now read as follows (presented in context with their root clauses and with added wording underlined):

“…

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 our Service 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 Account; or
US dollars (opening a Balance in that currency for you, if you don’t have one already).

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. Note that, for the purpose of this particular return conversion:

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 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).

…

5.7 Refunds, Refused Payments, Your Refund Policy, Data Protection, Privacy Policy and Security.

5.7.1 Refunds and Refused Payments

If you are the recipient of a payment and we allow you to refuse a payment or send a refund of that payment to the payer:

you alone are (and PayPal is not) responsible for:
your legal and contractual obligations towards the payer for any amount you return to the payer; and
any difference between the cost to the payer of making the original payment and the value of the amount returned to the payer (for instance, as a result of transaction exchange rate fluctuations) except to the extent that the refund is a payment executed incorrectly by PayPal (see section 12).

5.7.2 Refund Policy

…

5.7.3 Data Protection and Privacy Policy

…

5.7.4 Security

…

A3.1 Currency Conversion

…

A3.1.2 For all other transactions involving a currency conversion (including conversion of amounts returned to you as refunds or refused payments):

…

…”

2. Fees for receiving Commercial Transaction payments

We are changing our Commercial Transaction payment Fees as follows:

The additional percentage-based Cross Border Fees set out in the table at section A2.3 of Schedule 1 (Table of Fees) for receiving payments from Northern Europe, US/Canada or Europe II are increasing and are now as follows:

*Sender’s country*	*Cross Border Fee*
Northern Europe	0.5%
US / Canada	2.0%
Europe II	2.0%

Sections A2.3 of Schedule 1 (Table of Fees) (presented in context with the column headings) now read as follows (with amendments underlined):

“A2. Commercial Transaction payment Fees

…

A2.3Receiving Cross Border payments (Selling)

A2.3 Receiving Cross Border payments (Selling)

The Fee for Receiving Domestic Commercial Transaction payments applies plus an additional percentage-based Cross Border Fee as set out in the table below (depending on the sender’s country).

Sender’s country	Cross Border Fee
Northern Europe / Europe I	0.5%
Europe II / US/ Canada / Rest of World	2.0%

Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA will be treated as Domestic Commercial Transaction payments for the purpose of applying Fees.

…”

3. Other changes

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

Notice of amendment to the PayPal User Agreement.

Effective Date: September 16, 2019

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

We’re excited to let you know that we’ll be unveiling an entirely redesigned User Agreement. 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.

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.

We’ll let you know soon when you can review the redesigned User Agreement.

Notice of Amendment to PayPal Legal Agreements

Issued: March 13, 2019 (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 this notice to familiarise yourself with the changes that are being made.

You do not need to do anything to accept the changes as they will automatically come into effect on the Effective Dates shown below. Should you decide you do not wish to accept them you can notify us before the Effective Date or any time after that to close your account immediately without incurring any additional charges.

Please review the current Legal Agreements in effect.

Notice of amendment to the Commercial Entity Agreement For PayPal Payment Card Funded Processing Services (Worldpay)

Effective Date: March 13, 2019

This notice applies only if you have accepted the terms and conditions of the Commercial Entity Agreements, (typically if you are a User receiving card-funded payments for commercial transactions, like a merchant).

Although PayPal is not a party to the Commercial Entity Agreements, these agreements affect how you receive card-funded payments using PayPal’s services. They are your direct agreements with PayPal’s banking partners, who enable you to receive card-funded PayPal payments.

The Commercial Entity Agreements apply to merchants across the world – this means that not all of the changes to these agreements affect merchants resident in Europe. We have given notice only of the changes that affect merchants resident in Europe.

You can find the amended Commercial Entity Agreements below the version of those agreements currently in force by clicking here or accessing them via the “Legal” or “Legal Agreements” footer on most pages on the PayPal site.

1. Globalpay Commercial Entity Agreement for Credit Card Processing Services (formerly the HSBC Bank Commercial Entity Agreement for Credit Card Processing Services)

Until the Effective Date, your agreement is with GPUK LLP as Member and Processor in respect of card processing services provided to you under the agreement. On and from the Effective Date, your agreement is with GPUK LLP, Global Payments Europe s.r.o., a limited company in the Czech Republic, or Global Payments Limited, a limited company in Malta, each as a Member and Processor in respect of card processing services provided to you under the agreement. You do not need to do anything to accept the change.

The agreement has also been amended to clarify existing wording and correct minor typographical errors.

For information only, the agreement is also amended for merchants based outside of Europe – merchants based in Europe are not affected by these particular amendments.

2. Commercial Entity Agreement For PayPal Payment Card Funded Processing Services (WorldPay)

Until the Effective Date, your agreement is with Worldpay (UK) Limited as Acquirer in respect of card processing services provided to you under the agreement. On and from the Effective Date, your agreement is with Worldpay (UK) Limited and/or Worldpay B.V. as Acquirer. You do not need to do anything to accept the change.

The agreement has also been amended to clarify existing wording and correct minor typographical errors.

Notice of amendment to the PayPal User Agreement.

Effective Date: February 27, 2019

1. Notice of changes to the Fees for Cross Border Personal Transaction payments sent by Users with their registered address in Ireland

This notice is made in accordance with section A1.2.2.2 of Schedule 1 of the PayPal User Agreement.

With effect on and from February 27, 2019, if you are a User with your registered address in Ireland, the Fees set out in current section A1.2.2.3 shall apply to you instead of the Fees set out in current section A1.2.2.2. Section A1.2.2.2. of the PayPal User Agreement has been amended accordingly and will eventually be deleted, so that current section A1.2.2.3 will become new section A1.2.2.2.

Notice of amendment to the PayPal User Agreement.

Effective Date: January 30, 2019

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

Sections of the PayPal User Agreement have been amended:

to clarify and reorganise existing wording, including the following existing sections:

Section	Amendment
Section 2.6 (Balances in Multiple Currencies)	This section is amended to further clarify how PayPal may allow you to convert money in your Balance into a Balance in another currency.
Section 5 (Receiving Money)	The start of this Section is amended to further clarify how further terms of use apply to merchants when they have integrated into their online checkout/platform any functionality intended to enable a customer without an Account to send a payment to the merchant’s Account (for instance, using alternative local payment methods). See also the reminder in respect of local payment methods (LPMs) in the Notice of amendment to the PayPal User Agreement with effective date April 29, 2019 below.
Section 5.5 (Receiving Money in different currencies.)	This Section is amended to further clarify what PayPal may allow you to do when you receive money in different currencies.

; and

correct minor typographical errors.

Notice of amendment to the PayPal User Agreement.

Effective Date: April 29, 2019

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

1) Local payment methods (LPMs)

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

For this purpose, on 13 November 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 have integrated into their online checkout/platform any functionality intended to enable a customer without an Account to send a payment to the merchant’s Account (for instance, using alternative local payment methods). This includes the PayPal Local Payment Methods Agreement.

At the date of this notice the opening paragraph of Section 5 reads and applies (and will continue to read and be applied, including on and after the Effective Date) as follows

“5. Receiving 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 Account. By integrating (including having already integrated) into your online checkout/platform any functionality intended to enable a payer without an Account to send a payment to your 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.”

3) Other changes

Sections of the PayPal User Agreement have been amended to clarify existing wording and correct minor typographical errors. For instance, we don’t support payments in Indian Rupee, so all remaining references to Indian Rupee have been removed to clarify this point.

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.