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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

How do I choose between Personal, Premier and Business accounts?

Personal: Recommended for individuals who shop and pay online.
Premier: Recommended for casual sellers or non-businesses that buy and sell online.
Business: Recommended for merchants who operate under a company/group name. It offers additional features such as allowing up to 200 employees limited access to your account.

What is the benefit of paying with a UnionPay card?

When you pay an overseas merchant using a UnionPay card, the amount in the transactional currency is converted into Chinese Yuan directly based on the transaction day's exchange rate and deducted from your UnionPay card. Conversion through an intermediary currency such as U.S. Dollar is not necessary. You don't need to pay any currency conversion fee, which may help you save 1% to 2% of the transaction amount.

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. Only Chinese Yuan single-currency cards that start with the numbers "62" and bears a China UnionPay logo are considered the UnionPay card type. If your credit card has both a UnionPay logo and a Visa/MasterCard/American Express logo, also supports both Chinese Yuan and a foreign currency, it will be considered the Visa/MasterCard/American Express 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.

How do I know the payment amount in Chinese Yuan when I pay using a UnionPay card?

When you have confirmed your order at the merchant's website, PayPal will redirect you to an online banking page operated by UnionPay or your card issuing bank. You will be able to see the amount of your payment in Chinese Yuan on the online banking payment page.

Can I own multiple PayPal accounts?

You can create one Personal account and one Premier or Business account. You can link more email addresses, debit or credit cards, and bank accounts, but each account must have its own email address and bank account information.

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