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Buyers make a purchase through PayPal – whether it’s on eBay, online stores or merchant apps.


Sellers receive payments in their PayPal account, less any applicable transaction fees.


We will notify both buyers and sellers on the payment and transaction details.

People who buy.

When you make a payment, you can choose how you want to pay for your purchases:

  • If you have sufficient PayPal balance to cover the payment, the amount will be deducted directly.
  • If you have linked a credit or debit card to your PayPal account, the payment amount can be deducted from your credit or debit card after you've depleted your PayPal balance.

More about personal account

People who sell.

You have several options once you've received payment to access your money. You can use it for purchases or withdraw it to your linked bank account.

More about managing business

Want it? Get it.

Millions of people shop online using PayPal. Just an email address and password will get you through checkout before you can reach for your wallet. Couldn’t be simpler!

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More time equals more money.

Start accepting payments from credit and debit cards, linked bank accounts and PayPal (whichever is applicable) in minutes. We've worked it all out for you, from sales to figures, so you have more time for your business.

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Questions and Answers

What is the benefit of paying with a UnionPay card?

When you pay an overseas merchant using a UnionPay card, the amount in the foreign currency will be converted into Chinese Yuan directly based on the transaction day's exchange rate provided by PayPal, and deducted from your UnionPay card. You'll be able to know the exchange rate before you pay.

How can I differentiate a UnionPay card from a Visa, MasterCard or American Express card?

The UnionPay card type supported by PayPal includes both credit and debit cards. If your UnionPay card has both a UnionPay logo and a Visa/Mastercard/American Express logo, and it also supports both Chinese Yuan and a foreign currency, it'll be recognized as the UnionPay card type.

After I’ve added a UnionPay card, do I need to add funds to my PayPal account before making a payment?

No, you don't need to. You can pay directly using your card.

In what countries is PayPal accepted as a method of payment?

PayPal is accepted as a method of payment in 202 countries

Merchant Services and Business Products