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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.

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.

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.

1. 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.

2. 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.

3. 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 the notices below so that you are familiar with these upcoming changes.

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. Terms of use of our new checkout solution

For sellers in the UK, Gibraltar, Jersey, Guernsey and Isle of Man:  

• The fees for sellers in the UK, Gibraltar, Jersey, Guernsey and Isle of Man have moved to new section A2.2.2.1 of Schedule 1.  We have also introduced a fee for receiving American Express Card payments using Custom Card Fields (where we allow you to receive such payments) to new section A2.2.2.1 of Schedule 1.

For sellers elsewhere: 

• We have amended section 5.10 (New checkout solution) of the PayPal User Agreement so that it now contains the terms (including fees) which apply if you are a seller in a country other than the UK, Gibraltar, Jersey, Guernsey and Isle of Man and we offer you our new checkout solution and you choose to use it.
• The fees for sellers in countries other than the UK, Gibraltar, Jersey, Guernsey and Isle of Man are set out in new sections A2.2.2.2 (for Ireland) and A2.2.2.3 (for elsewhere) of Schedule 1. 
• Note for Irish registered users: sections 5.10 and A.2.2.2.2 of Schedule 1 apply to you only after the launch of the new checkout solution for Ireland.  PayPal may launch the new checkout solution for Ireland on further immediate notice published by PayPal on the Policy Updates page (accessible via the Legal footer on most PayPal site pages) on or after August 19, 2019 (as PayPal may determine in its sole discretion).

“…

5.10 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:

• when you use our LPM functionality as part of the new checkout solution, the PayPal Local Payment Methods Agreement; and
• 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,

the following terms depending on the country in which your Account is registered with PayPal:

• UK, Gibraltar, Jersey, Guernsey or Isle of Man: the PayPal Online Card Payment Services Agreement> (previously the PayPal Website Payments Pro and Virtual Terminal Agreement); or
• Elsewhere: the PayPal Online Card Payment Services Agreement for Custom Card Fields.

Fees which may be set out in the PayPal Local Payment Methods Agreement, the PayPal Online Card Payment Services Agreement for the UK, Gibraltar, Jersey, Guernsey and Isle of Man and the PayPal Online Card Payment Services Agreement for elsewhere 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.

Note for Irish registered users: sections 5.10 and A.2.2.2.2 of Schedule 1 apply to you only after the launch of the new checkout solution for Ireland.  PayPal may launch the new checkout solution for Ireland on further immediate notice published by PayPal on the Policy Updates page (accessible via the Legal footer on most PayPal site pages) on or after August 19, 2019 (as PayPal may determine in its sole discretion).

…

A2.2.2 Fees for using the new checkout solution

A2.2.2.1 UK, Jersey, Guernsey, Isle of Man and Gibraltar

* See the PayPal Online Card Payment Services Agreement (previously the PayPal Website Payments Pro and Virtual Terminal Agreement) for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices.

A2.2.2.2 Ireland

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

Note for Irish registered users: sections 5.10 and A.2.2.2.2 of Schedule 1 apply to you only after the launch of the new checkout solution for Ireland.  PayPal may launch the new checkout solution for Ireland on further immediate notice published by PayPal on the Policy Updates page (accessible via the Legal footer on most PayPal site pages) on or after August 19, 2019 (as PayPal may determine in its sole discretion).

A2.2.2.3 Elsewhere

* 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 amendment to the PayPal Online Card Payment Services Agreement (formerly the PayPal Website Payments Pro and Virtual Terminal Agreement) - UK, Gibraltar, Jersey, Guernsey and Isle of Man only

Effective Date: August 19, 2019

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.

1. Fees

We have amended the PayPal Online Card Payment Services Agreement to:

• reduce the fees we currently charge you for receiving card payments using our Custom Card Fields Product; and
• introduce our fees for receiving American Express Card payments using Custom Card Fields (where we allow you to receive such card payments).

Sections 2.4 and 2.5 are reorganised and replaced with a new section 2.4 to show these and other card transaction fees. Other sections within section 2 are re-numbered accordingly.  New section 2.4 now reads as follows:

“…

2.4 Transaction Fees for receiving Card Payments The following fees apply to each domestic payment you receive from the following types of cards using the following Products:

On and from August 19, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the PayPal Standard Rate applies.

…”

2. Other changes

Sections of the PayPal Online Card Payment Services Agreement have been amended:

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

; and

• correct minor typographical errors.

Notice of publication of the new PayPal Online Card Payment Services Agreement for sellers in countries other than UK, Gibraltar, Jersey, Guernsey and Isle of Man 

Effective Date: August 19, 2019

We have published a new PayPal Online Card Payment Services Agreement  for sellers in countries other than the UK, Gibraltar, Jersey, Guernsey and Isle of Man 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: June 14, 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.

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.

1. Terms of use of our new checkout solution for UK, Gibraltar, Jersey, Guernsey and Isle of Man sellers

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 5.10 (New checkout solution – UK, Gibraltar, Jersey, Guernsey and Isle of Man users only); and

• section A2.2.2 of Schedule 1 (Fees for using the new checkout solution - UK, Jersey, Guernsey, Isle of Man and Gibraltar)

New sections 5.10 and A2.2.2 of Schedule 1 read as follows:

“ 5.10 New checkout solution – UK, Gibraltar, Jersey, Guernsey and Isle of Man users only

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 (previously the PayPal Website Payments Pro and Virtual Terminal 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 Website Payments Pro and Virtual Terminal 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.

…

… ”

2. Other changes

Sections of the PayPal User Agreement have been amended:

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

; and

• correct minor typographical errors.

Notice of amendment to the PayPal Website Payments Pro and Virtual Terminal Agreement (UK, Gibraltar, Jersey, Guernsey and Isle of Man only)

Effective Date: May 29, 2019

You can find the PayPal Website Payments Pro and Virtual Terminal Agreement currently in force by clicking here or accessing it via the “Legal” or“Legal Agreements”footer on most PayPal site pages.

1. Change of name to the PayPal Online Card Payment Services Agreement

We have changed the name of the PayPal Website Payments Pro and Virtual Terminal Agreement.  The new name of this agreement is the PayPal Online Card Payment Services Agreement and we will refer to that name instead in the rest of this notice of amendment.

2. Custom Card Fields

We are pleased to tell you that we plan to launch soon:

• a new Online Card Payment Service called Custom Card Fields API, which is functionality for performing credit and debit card transactions, where the card details are entered online by the cardholder, as an alternative to the Direct Payments API; and
• our new Custom Card Fields Fraud Management Filters functionality, which we may offer together with the Custom Card Fields API as an alternative to the Advanced Fraud Management Filters; and
• our Custom Card Fields Product, which is a suite of functionality consisting of Custom Card Fields API as standard and Custom Card Fields Fraud Management Filters as an optional additional service.  We may also offer other PayPal Website Payments Pro functionality as part of the Custom Card Fields Product.

We may offer you the Custom Card Fields Product:

• as a standalone service under the terms of the PayPal Online Card Payment Services Agreement, the fees for which are set out in the PayPal Online Card Payment Services Agreement; or
• as part of our new checkout solution under the terms of the PayPal Online Card Payment Services Agreement and the new checkout solution terms in the PayPal User Agreement, the fees for which are set out in the new checkout solution fees section in the PayPal User Agreement.

Please see the new section “About this Agreement” at the start of the PayPal Online Card Payment Services Agreement for more information about Custom Card Fields and the other products covered by that agreement.   

3. Other changes

Sections of the PayPal Online Card Payment Services Agreement have been amended:

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

; and

• correct minor typographical errors.

Notice of amendment to the PayPal User Agreement.

Effective Date: August 19, 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. Funding Sources and your liability – UK, Jersey, Guernsey, Isle of Man and Gibraltar users only

We are amending sections 3.2 (Funding Sources – Cards), 3.3 (Funding Sources – Bank accounts) and 10.1c (Your Liability – Actions We May Take - Reimbursement for Your Liability) to clarify that we may collect any amounts you owe to PayPal arising from your activity as a recipient of payments using the Services using your Funding Sources.  Sections 3.2, 3.3 and 10.1c now read as follows (abridged for context and brevity or shown with root clauses for context, with amendments underlined):

“…

3.2 Cards. By linking a debit card, credit card or (in certain cases) pre-paid card as a Funding Source, you are providing PayPal with a continuous authority to automatically charge that card for the amount necessary to purchase E-money required in your Balance to cover:

• a Payment Order (plus transaction fees payable to us) when the card is the applicable Funding Source for that Payment Order pursuant to this Agreement; and
• if you are registered with PayPal as resident in the UK, any amounts you owe to PayPal arising from your activity as a recipient of payments using the Services.

You can stop the continuous authority in respect of any card by removing that card as a Funding Source in your Account Profile.

3.3 Bank accounts. By linking your bank account as a Funding Source, you are providing PayPal with a continuous authority (subject to the terms of the mandate used by your bank to set up and maintain that authority) to automatically charge your bank account for the amount necessary to purchase E-money in your Balance:

• required to cover a Payment Order to another User (plus transaction fees payable to us) when the bank account is the applicable Funding Source for that Payment Order pursuant to this Agreement:
• when using the Add Funds functionality in your Account interface; and
• required to cover any amounts you owe to PayPal arising from your activity as a recipient of payments using the Services, if you are registered with PayPal as resident in the UK.

…

10.1 Your Liability.

…

c. Reimbursement for Your Liability. In the event you are liable for any amounts owed to PayPal, PayPal may immediately remove such amounts from your Balance (if available). If there are insufficient funds in your Balance to cover your liability, PayPal reserves the right to collect your debt to PayPal by using any payments received in your Account and otherwise you agree to reimburse PayPal through other means. If you are registered with PayPal as resident in the UK, PayPal may collect the amount owed using your Funding Sources as further provided in section 3. PayPal may also recover amounts you owe us through legal means, including, without limitation, through the use of a debt collection agency.”

2. 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 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:.
  • if you are registered with PayPal as resident in the UK, Gibraltar, Jersey, Guernsey, Isle of Man or Ireland, the transaction exchange rate does not include (and you will not pay) any Currency Conversion Fee; and
  • if you are registered with PayPal as resident elsewhere the transaction exchange rate includes the Currency Conversion Fee. You agree to bear the currency conversion fee set out at section A3.1.2 in this case.

You agree to bear the currency conversion fee set out at section A3.1.2 for any currency conversion carried out for you on any amount returned to you in the ways outlined above. The transaction exchange rate includes the currency conversion fee.  The transaction exchange rate may be applied immediately and without notice to you.  See section 8.2 for more information about the transaction exchange rate.

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

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

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

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

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

…

5.7 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

…

…”

3. Fees – Cross Border Personal Transaction payments – UK, Jersey, Guernsey, Isle of Man and Gibraltar users only

We are changing the fees charged to users in the UK, Jersey, Guernsey, Isle of Man and Gibraltar to send Cross Border Personal Transaction payments (except where sent to the EEA in Euro or Swedish Krona) as set out at section 1.2.2 (Other Cross Border Personal Transaction payments) of Schedule 1 (Table of Fees) and introducing a new section 1.2.2.1 to show these fees.  Section A.1.2.2.1 of Schedule 1 (Table of Fees) now reads as follows (with amendments underlined):

“A1.2.2 Other Cross Border Personal Transaction payments

A1.2.2.1 Sent by Users with their registered address in the UK, Jersey, Guernsey, Isle of Man or Gibraltar

…”

4. Fees for receiving Commercial Transaction payments

We are changing our Commercial Transaction payment Fees as follows:

• The Fee for Receiving Domestic payments (Selling) at section A2.2.1 (UK and Relevant Country Standard rates) in Schedule 1 (Table of Fees) is changed to 2.90% + Fixed Fee.
• The Fee for Receiving Domestic payments (Selling) for users in the UK, Jersey, Guernsey, Isle of Man and Gibraltar using the new checkout solution at section A2.2.2 is changed to:
  • 1.20% + Fixed Fee for receiving:
    • payments from cards through Custom Card Fields if you are on the Blended Pricing Fee Structure
    • card-funded payments from users of our Payments without a PayPal account service; and
    • payments from Local Payment Methods;
  • Interchange Fee + 1.20% + Fixed Fee for receiving payments from cards through Custom Card Fields if you are on the Interchange Plus Fee Structure; and
  • 2.90% + Fixed Fee for receiving all other types of payments.

• On and from August 19, 2019 the Merchant rate at section A2.2.3 in Schedule 1 (Table of Fees) no longer applies to any UK Jersey, Guernsey, Isle of Man or Gibraltar merchant.  In place of the Merchant rate, the standard rate of 2.90% + Fixed Fee applies to each domestic Commercial Transaction payment received by UK, Jersey, Guernsey, Isle of Man or Gibraltar merchants.
• 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:

Note: If you are a user with your registered address in Ireland, the fees outlined in new section A.2.3.2 shall continue to apply as your additional percentage-based Cross Border Fees until further immediate notice published by PayPal on the Policy Updates page (accessible via the Legal footer on most PayPal site pages) on or after August 19 2019 (as PayPal may determine in its sole discretion). After that time, the fees in new section A2.3.1 shall apply instead.

• The Fixed Fee for payments received in UK Pounds Sterling (GBP) at section A4.6 of Schedule 1 (Table of Fees) is increased to 0.30GBP.

Note: If you are a user with your registered address in Ireland, the Fixed Fee for Commercial Transaction payments and Personal Transaction payments for payments received in GBP will continue to be 0.20 GBP until further immediate notice published by PayPal on the Policy Updates page (accessible via the Legal footer on most PayPal pages) on or after August 19 2019 (as PayPal may determine in its sole discretion). After that time, the Fixed Fee for Commercial Transaction payments and Personal Transaction payments for payments received in GBP will increase to 0.30 GBP.

Sections A2 and A4.6 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

Where there is stated to be a Fixed Fee component, please refer to A4.6 of this Schedule 1 for more details.

…

A4.6 Fixed Fees for Commercial Transaction payments and Personal Transaction payments (unless otherwise stated) are based on the currency in which the payment is received, as follows:

On further immediate notice published by PayPal on the Policy Updates page (accessible via the Legal footer on most PayPal site pages) on or after August 19, 2019 (as PayPal may determine in its sole discretion), the Fixed Fee for Commercial Transaction payments and Personal Transaction payments for payments received in GBP will increase to 0.30 GBP for Users registered in Ireland. 

…”

5. Fees – Currency Conversion Fees – UK, Jersey, Guernsey, Isle of Man and Gibraltar users only

We are increasing the Currency Conversion Fees at section A3.1.2 (For all other transactions involving a currency conversion) in Schedule 1 charged to UK, Jersey, Guernsey, Isle of Man and Gibraltar users from 3.5% to 3.75% for conversions into the following currencies:

• Canadian Dollar (CAD)
• 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)
• US Dollar (USD)

Note: If you are a user with your registered address in Ireland, the Current Currency Conversion Fees for Irish Users at section A3.1.2 (For all other transactions involving a currency conversion) in Schedule 1 shall continue to apply until further immediate notice published by PayPal on the Policy Updates page (accessible via the Legal footer on most PayPal site pages) on or after August 19 2019 (as PayPal may determine in its sole discretion). After that time, the Currency Conversion Fees for Irish Users at section A3.1.2 in Schedule 1 increase as follows:

• 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)

• 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):

“…

             …”

6. Withdrawing your Balance

We are amending section A3.2 (Withdrawing Your Balance) in Schedule 1 (Table of Fees) as follows:

• Users in Romania, Slovenia and Bulgaria will be charged a fee of 1% of the amount withdrawn to/through a card with a minimum and maximum fee depending on the currency in which the card is denominated.
• Users in Cyprus, Estonia, Gibraltar, Liechtenstein, Lithuania, Latvia, Malta, Slovakia and San Marino will be charged a fee for a withdrawal to/through a card depending on the currency in which the card is denominated.

Section A3.2 in Schedule 1 (Table of Fees) now reads as follows (with amendments underlined):

“…

…”

            …”

7. Other changes

Notice of amendment to the PayPal Online Card Payment Services Agreement (formerly the PayPal Website Payments Pro and Virtual Terminal Agreement)  UK, Gibraltar, Jersey, Guernsey and Isle of Man only

Effective Date: August 19, 2019

You can find the amended PayPal Online Card Payment Services Agreement (formerly the PayPal Website Payments Pro and Virtual Terminal Agreement)  below the version of that agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. Fees

The fee for Receiving Domestic payments (Selling) as outlined in the PayPal User Agreement now applies to each domestic Standard PayPal Payment you receive via Express Checkout, instead of the PayPal Standard Rate fee for receiving such payments outlined at section 2.3.

Also, on and from August 19, 2019 the PayPal Merchant Rate outlined throughout section 2 (Fees) of the PayPal Online Card Payment Services Agreement (formerly the PayPal Website Payments Pro and Virtual Terminal Agreement) no longer applies.  This means that, in place of the PayPal Merchant Rate:

• the fee for Receiving Domestic payments (Selling) as outlined in the PayPal User Agreement applies to each domestic Standard PayPal Payment you receive via Express Checkout; and
• the relevant PayPal Standard Rate applies to card payments you receive under the Blended Pricing Fee Structure or the Interchange Plus Fee Structure.

Section 2 (Fees) of the PayPal Online Card Payment Services Agreement (formerly the PayPal Website Payments Pro and Virtual Terminal Agreement) now reads as follows (with amendments underlined):

“…

2. Fees

2.1 How fees are paid. You agree to pay the fees in this Agreement as they become due without set-off or deduction.You authorise us to (and we may) collect Monthly Fees first from any available Balance in your Account and then also from the funding source(s) registered for your Account, and you authorise us to (and we may) collect fees for receiving payments from the payments you receive before those funds are credited to your account. If we are unable to collect a past due fee from your Account and its funding source(s), we may take action against you as provided in the User Agreement for unpaid fees. 

Except as further provided in this Agreement, you agree to pay the fees set out in the User Agreement.
 

Fees will be charged in the currency of the payment received.
 

2.2 Monthly Fees
 

2.3 Transaction Fees for Standard PayPal Payments with Express Checkout

The fee for Receiving Domestic payments (Selling) as outlined in the User Agreement applies to each domestic Standard PayPal Payment you receive via Express Checkout.

On and from August 19, 2019 the PayPal Merchant Rate no longer applies.  In place of the PayPal Merchant Rate, the fee for Receiving Domestic payments (Selling) as outlined in the User Agreement applies to each domestic Standard PayPal Payment you receive via Express Checkout.

2.4 Transaction Fees for Card Payments under the Blended Pricing Fee Structure

The PayPal Standard Rate of 3.4% + Fixed Fee applies to each domestic payment you receive from a card (Visa, MasterCard or Maestro) using the Online Card Payment Services under the Blended Pricing Fee Structure.

On and from August 19, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the PayPal Standard Rate applies. 

2.5 Transaction Fees for Card Payments under the Interchange Plus Fee Structure
 

The PayPal Standard Rate of:

Interchange Fee (approximately ranges from 0.2% to 2.0%)
+ 2.9%
+ Fixed Fee

applies to each payment you receive from a card (Visa, MasterCard or Maestro) using the Online Card Payment Services under the Interchange Plus Fee Structure.

On and from August 19, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the PayPal Standard Rate applies.

2.6 Fixed Fees are based on the currency received, as follows:
 

2.7 Merchant Rate

On and from August 19, 2019 the PayPal Merchant Rate no longer applies.  In place of the PayPal Merchant Rate, the Transaction Fees outlined in clauses 2.3, 2.4 and 2.5 apply, subject to the rest of this clause 2.

2.8 Additional Transaction Fees
 

2.9 MasterCard transactions. For further information about MasterCard’s rules and rates, please visit: http://www.mastercard.com/us/merchant/index.html.

2.10 Monthly Reports on Transaction Costs. PayPal shall make available monthly reports on transaction costs (inclusive of interchange fees) for card transactions which you process with PayPal Website Payments Pro, Custom Card Fields and Virtual Terminal. These reports will be downloadable from your PayPal Account. The reports do not include any Standard PayPal payments.

…”

2. Other changes

Notice of amendment to the PayPal Here™ Agreement (UK (and Jersey, Guernsey, Isle of Man and Gibraltar where applicable) only)

Effective Date: August 19, 2019

You can find the amended PayPal Here™ Agreement below the version of that agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages. This product is available only to residents of the UK (and, as PayPal may allow, residents of Jersey, Guernsey, Isle of Man and/or Gibraltar).

Notice of amendment to the PayPal User Agreement.

Issued: May 29, 2019 

Effective Date: May 29, 2019

Please read this document.

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

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

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

Sections of the PayPal User Agreement have been amended:

• A new distinct section entitled 8.3 Currency Conversion Choices was implemented where information is provided on the currency conversion choices and the option to choose between them:

; and

• correct minor typographical errors.

Notice of amendment to the PayPal Privacy Statement

Issued: May 29, 2019 

Effective Date: September 29, 2019

Please read this document.

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

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

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

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.

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 PayPal Legal Agreements

Issued: January 30, 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 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:

; 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) Pay After Delivery

We are adding a new paragraph to the end of Section 3.3  of the PayPal User Agreement (Funding Sources - Bank Accounts) to clarify that, if we choose to offer you access to our Pay After Delivery product and you choose to use it, the Pay After Delivery Terms will also apply to you. You can access the Pay After Delivery Terms here.

The new paragraph in Section 3.3 of the PayPal User Agreement reads as follows:

“PayPal may choose to offer some customers who have linked a bank account as a Funding Source access to Pay After Delivery, which allows a customer to defer a charge to this bank account for a period of time.  If you are offered and choose to use this service, the Pay After Delivery Terms will apply.”

2) 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 and reorganise existing wording and correct minor typographical errors.

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.