Last updated on 8 July 2024
Last updated on 8 July 2024
This page displays past policy updates (documents published on our site that notify users in advance of important changes to the PayPal service, its User Agreement, or other policies). Each policy update shows the date on which the change took effect.
*For past policy updates relating to changes that took effect earlier than December 2013, please view this PDF.
*For past policy updates between Jan 2014 and Dec 2018, please view this PDF.
This Page
This page details and/or previews updates to PayPal users of changes to the Ireland 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
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: 28 March 2024
Removal of SOFORT as an alternative payment method and deletion of related terms
Effective: 28 May 2024
Issued: 19 March 2024
Amendments to the Merchant Fee Page
Effective: 19 March 2024
Issued: 11 March 2024
Amendments to the Privacy Statement for PayPal Services
Effective 15 April, 2024:
Issued: 21 February 2024
Amendments to the PayPal User Agreement
Effective 28 May, 2024:
Review the updated PayPal User Agreement
Amendments to the PayPal Buyer Protection Program
Effective 28 May, 2024:
Review the updated PayPal Buyer Protection Program
Amendments to the Seller Protection Program
Effective 28 May, 2024:
This Page
This page details and/or previews updates to PayPal users of changes to the Ireland 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
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: 12 October 2023
Discontinuation of the PayPal Chat Messaging Service and removal of related terms
Effective 28 December 2023:
PayPal Chat Messaging Terms and Conditions
Review the updated PayPal Privacy Statement
Amendments to the PayPal User Agreement
Effective 16 January 2024:
Review the updated PayPal User Agreement
Amendments to PayPal’s Seller Protection Program
Effective 16 January 2024:
Review the updated Seller Protection Program
Amendments to the PayPal Payouts Terms and Conditions
Effective 16 January 2024:
Review the updated PayPal Payouts Terms and Conditions
Notices
Issued: 24 July 2023
Amendments to the PayPal Online Card Payment Services Agreement
Effective 19 October 2023:
Review the updated PayPal Online Card Payment Services Agreement
This Page
This page details and/or previews updates to PayPal users of changes to the Ireland 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
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 Online Card Payment Services Agreement
Effective 19 October 2023:
Review the updated PayPal Online Card Payment Services Agreement
This Page
This page details and/or previews updates to PayPal users of changes to the Ireland 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 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
Review the updated PayPal Alternative Payment Methods Agreement
This Page
This page details and/or previews updates to PayPal users of changes to the Ireland 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
Please carefully review the notice below and familiarize yourself with the 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. Please note that the change is clarificatory only as you already are asked to agree to a SEPA mandate when adding a bank account to your PayPal account. We are merely clarifying this in the User Agreement.
Amendments to the Merchant Fee page
On 8 February 2023, we are clarifying that payments received by merchants from Alternative Payment Methods (APM) are subject to a rate of 1.2% plus fixed fee. This is what is charged currently rather than the fee of 3.4% which is erroneously reflected on the fee page currently. This fee will formally be changed on the Merchant Fees page on 10 April 2023. For the avoidance of doubt, the rate of 1.2% plus the fixed fee will continue to apply from 8 February.
This Page
This page details and/or previews updates to PayPal users of changes to the Ireland 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
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.
Amendments to the PayPal User Agreement
Effective October 31, 2022:
This Page
This page details and/or previews updates to PayPal users of changes to the Ireland 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
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.
Amendments to the PayPal User Agreement
Effective August 1, 2022 we are clarifying:
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: 31 May 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.
This Page
This page details and/or previews updates to PayPal users of changes to the Ireland 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
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.
Amendments to the PayPal User Agreement
Effective May 6, 2022 we are:
Review the updated User Agreement.
Review the updated Seller Protection program.
Amendments to all applicable Legal Agreements
Effective May 6, 2022 we are:
Amendments to the Privacy Statement
Effective May 6, 2022 we are:
Review the updated Privacy Statement
Amendments to the PayPal Online Card Payment Services Agreement:
Effective May 6, 2022 we are:
Review the updated PayPal Online Card Payment Services Agreement
This Page
This page details updates to PayPal users of changes to the Ireland 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
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.
Amendments to the PayPal User Agreement
Effective January 28, 2022 we are:
This Page
This page displays policy updates which notify users of important changes to the PayPal Ireland 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
To review the updated User Agreement, please click HERE.
Amendments to the PayPal Acceptable Use Policy
Amendments to the Data Protection Controller Addendum for Direct Card Processing Products
Amendments to the PayPal Alternative Payment Methods Agreement
This Page
This page displays policy updates which notify users of important changes to the PayPal Ireland 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. 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.
This Page
This page displays policy updates which notify users of important changes to the PayPal Ireland 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. 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: July 30 2021
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.
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
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.
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
December 16, 2020.
In the event you would prefer to decline these changes and close your account, you can do so prior to December 16, 2020 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: December 16, 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.
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 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 – Rules about surcharging
In this section, we have removed the last paragraph referring to the merchant as we will cease to offer the merchant rate for merchants.
Receiving Payments – PayPal Giving Fund
We have added two new sections on the PayPal Giving Fund, which apply to Irish and United Kingdom charities only, respectively.
Receiving Payments – Merchant Rate
This section has been removed as we will cease to offer the merchant rate for merchants.
Resolving Problems – Complaints
We have added a new Complaints section applicable to users registered in the United Kingdom, Guernsey, the Isle of Man, and Jersey.
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.
NOTE: This provisions does not apply to PayPal users registered in Ireland and to personal accounts registered in Hungary.
Schedule 1: Table of Fees
A2.2.2. Fees for using the checkout solution included in the PayPal Commerce Platform
In section A2.2.2.3., we have removed the reference to the merchant rate and to sections A2.2.3. and A2.2.4. as we will cease to offer the merchant rate for merchants.
A2.2.3. Merchant rate
Section A2.2.3. has been removed as we will cease to offer the merchant rate for merchants.
A3.1. Currency Conversion
In section A3.1.1. we changed the conversion fee for currency conversions of amounts in your PayPal account that do not form part of a 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 to 3.0%.
Section A3.1.2. has been changed to apply for all countries under this user agreement and 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 A3.2.1. 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.
NOTE: This fee does not apply to PayPal users registered in Ireland.
A3.13 Inactive PayPal accounts
We have added a new section A3.13 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.
UPDATES TO THE PAYPAL BUSINESS DEBIT MASTERCARD CARDHOLDER AGREEMENT (UNITED KINGDOM ONLY)
In section 11., we have added a hyperlink to the Mastercard Currency Conversion Calculator and the ECB rate and we have clarified that we are not obliged to send you message pursuant to the "Cross-Border Fee Regulation" (Regulation (EC) 924/2009).
iZETTLE
We have added new terms for our iZettle service to our Legal Agreements page for the United Kingdom.
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
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
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.
Updates to the PayPal Business Debit Mastercard Cardholder Agreement
Effective date: September 14, 2020
12. Cashback program
In section 12 we have added the following wording as the new second paragraph:
From time to time, we might increase the cashback rate (for example to 1 %) for a limited period of time. We will announce such promotional campaigns with an increased cashback rate (including eligibility criteria) in email and/or on our website to you.
Further, we have added three bullet point to the list of "Eligible Payments":
14. Authorisation holds
In section 14, we have amended the wording on authorisation holds by removing outdated wording and adding new wording:
When you use your Card to purchase goods or services or to obtain cash from a merchant, the merchant may attempt to obtain preauthorisation from us for the transaction. If the merchant makes such a request, we place a hold on your PayPal balance for up to thirty one (31) days for the amount of the preauthorisation request (which may vary in some cases from the amount of the actual purchase, depending on the merchant). This hold may affect the availability of funds in your PayPal account. If you authorise a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty one (31) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) (effective 14 September 2020, another thirty (30)) days. We will not be responsible if any transactions are not completed because of the hold. If the preauthorisation request varies from the amount of the actual transaction, we will debit the actual transaction amount from your PayPal balance.
Terms for Access to Bank Account Data
We are newly introducing Terms for Access to Bank Account Data.
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.
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.
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.
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 (if you are resident in the UK, Gibraltar, Jersey, Guernsey or Isle of Man) or here (if you are resident elsewhere) 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
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:
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 for receiving Commercial Transaction payments
As a reminder (as originally notified in advance on January 2, 2020) the standard rate for receiving domestic commercial transaction payments (Selling) at section A2.2.1 of Schedule 1 (Table of Fees) was increased to 3.40% + Fixed Fee on March 5, 2020. The amendments which took effect on March 5, 2020 will continue to read and be applied on and after the Effective Date.
The standard rate for receiving domestic commercial transaction payments (Selling) at section A2.2.1 of Schedule 1 (Table of Fees) remains at 2.90% + Fixed Fee.
4. 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.
This amendment does not take effect for users registered with PayPal as residents of Ireland until further immediate notice of the change, to be published by PayPal on the Policy Updates page (accessible via the Legal footer on most PayPal site pages) on or after March 5, 2020 (as PayPal may determine in its sole discretion).
5. 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 (if you reside in the UK, Gibraltar, Jersey, Guernsey or Isle of Man) or here (if you reside elsewhere) 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 - UK, Gibraltar, Jersey, Guernsey or Isle of Man only
We have amended the section headed “About this Agreement” to clarify that:
The section headed “About this Agreement” now reads as follows (abridged for brevity and shown with headings of root clauses for context, with amendments underlined):
“…
About this Agreement
…
By integrating or using any of the Products or Online Card Payment Services 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 Products are:
…”
4. Scope of Products – countries other than UK, Gibraltar, Jersey, Guernsey or Isle of Man
We have amended the section headed “About this Agreement” and section 10 (Definitions) to clarify that:
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:
The Product includes one or more Online Card Payment Services. The Online Card Payment Services are:
…”
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.
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 User Agreement
Effective Date: March 5, 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.
1. Fees for receiving Commercial Transaction payments
The standard rate for receiving domestic commercial transaction payments (Selling) at section A2.2.1 of Schedule 1 (Table of Fees) is changed to 3.40% + Fixed Fee.
The standard rate for receiving domestic commercial transaction payments (Selling) at section A2.2.1 of Schedule 1 (Table of Fees) remains at 2.90% + Fixed Fee.
Section A2.2.1 of Schedule 1 (Table of Fees) (presented in context with the column headings) now reads as follows (with amendments underlined):
“…
A2.2 Receiving Domestic payments (Selling) | A2.2.1 Standard rate Payments to users registered with PayPal as residents of the UK, Gibraltar, Guernsey, Isle of Man and Jersey:
2.90% + Fixed Fee
Payments to users registered with PayPal as residents of Bulgaria, Cyprus, Czech Republic, Estonia, Greece, Hungary, Ireland, Latvia, Liechtenstein, Lithuania, Malta, Romania, San Marino, Slovakia and Slovenia:
3.40% + Fixed Fee |
…”
2. 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):
“…
| 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. |
…”
This change does not take effect for users registered with PayPal as residents of Ireland until further immediate notice of the change, to be published by PayPal on the Policy Updates page (accessible via the Legal footer on most PayPal site pages) on or after March 5, 2020 (as PayPal may determine in its sole discretion).
3. 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 - UK, Gibraltar, Jersey, Guernsey and Isle of Man only
Effective Date: January 2. 2020
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
“…
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:
Product | Card Type | Fee |
Website Payments Pro | Visa, Mastercard or Maestro
| Blended Pricing Fee Structure 3.4% + Fixed Fee |
Interchange Plus Fee Structure Interchange Fee (approximately ranges from 0.2% to 2.0%) + 2.90% + Fixed Fee | ||
Virtual Terminal (including when used as functionality in the Custom Card Fields Product) | Visa, Mastercard or Maestro | Blended Pricing Fee Structure 1.2% + Fixed Fee |
Interchange Plus Fee Structure Interchange Fee (approximately ranges from 0.2% to 2.0%)
| ||
Custom Card Fields | Visa, Mastercard or Maestro | Blended Pricing Fee Structure 1.2% + Fixed Fee |
Interchange Plus Fee Structure Interchange Fee (approximately ranges from 0.2% to 2.0%)
| ||
American Express | 3.5% |
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 Fixed Fees
Fixed Fees depend on the product used and are based on the currency received, as follows:
a. Website Payments Pro
Argentine Peso: | 2.00 ARS | New Zealand Dollar: | $0.45 NZD |
Australian Dollar: | $0.30 AUD | Norwegian Krone: | 2.80 NOK |
Brazilian Real: | 0.60 BRL | Philippine Peso: | 15.00 PHP |
Canadian Dollar: | $0.30 CAD | Polish Zloty: | 1.35 PLN |
Czech Koruna: | 10.00 CZK | Russian Ruble | 10.00 RUB |
Euro: | €0.35 EUR | Singapore Dollar: | 0.50 SGD |
Danish Kroner: | 2.60 DKK | Swedish Kronor: | 3.25 SEK |
Hong Kong Dollar: | $2.35 HKD | Swiss Franc: | 0.55 CHF |
Hungarian Forint: | 90 HUF | Taiwan New Dollar: | 10.00 TWD |
Israeli New Shekels: | 1.20 ILS | Thai Baht: | 11.00 THB |
Japanese Yen: | ¥40 JPY | Turkish Lira: | 0.45 TRY |
Malaysian Ringgit: | 2 MYR | UK Pounds Sterling: | £0.20 GBP |
Mexican Peso: | 4.00 MXN | US Dollar: | $0.30 USD |
b. Custom Card Fields and Virtual Terminal
The Fixed Fees as outlined in the User Agreement apply.
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.
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 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.
We have amended Annex 1 to introduce Finnish (Verkkopankki), PayU (including Blik where powered by PayU) and Trustly as new APMs.
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.
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.
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.
We have amended Annex 1 as follows:
Issued: September 17, 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.
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:
B. An updated User Agreement, will be available after 10 October 2019. Please click HERE to view once available.
Notice of amendment to the PayPal Business Debit Mastercard Cardholder Agreement
Effective Date: October 11, 2019
Sections of the PayPal Business Debit Mastercard Cardholder Agreement have been amended:
Section | Amendment |
6 Daily Limits on Usage
| This section is amended to clarify (by way of guideline only), the standard daily limits which can apply to the usage of your Card. |
7 Authorisation of Transactions
| This section is amended to clarify the ways in which you can authorise your transactions. |
8 Your Payment Obligation | This section is amended to clarify the way in which you can fund your payment. |
10 No Use of Your Non-GBP-Balance
| This section is amended to clarify how you can make payments in currencies other than GBP. |
11. Fees | We are introducing a new section 11.c to clarify how we provide to you our statements. |
12. Cash Back Program
| This section is amended to clarify the details of the operation of the Cash Back Program. This includes confirmation that the Cash Back Program operates on a “round half up” basis, such that, by way of example, cash back is earned as follows:
See also the reminder in respect of the Cash Back Program in the Notice of amendment to the PayPal Business Debit Mastercard Cardholder Agreement with effective date December 11, 2019 below. |
25. Your Right to Terminate | This section is amended to clarify the way in which you can terminate your agreement by telephone. |
26. PayPal’s Right to Terminate | This section is amended to clarify the way in which we can terminate your agreement. |
; and
An updated PayPal Business Debit Mastercard Cardholder Agreement, will be available after October 11, 2019. Please click HERE to view once available.
Notice of amendment to the PayPal Business Debit Mastercard Cardholder Agreement
Effective Date: December 11, 2019
We are amending section 14 (Authorisation Holds) to explain that:
By way of reminder, on October 11, 2019, section 12 (Cash Back Program) was amended to clarify the details of the operation of the Cash Back Program. The amendments which took effect on October 11, 2019 will continue to read and be applied on and after the Effective Date.
A version of the PayPal Business Debit Mastercard Cardholder Agreement showing the above changes will be available after October 11, 2019. Please click HERE to view once available.
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.
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: 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.
For sellers in the UK, Gibraltar, Jersey, Guernsey and Isle of Man:
For sellers elsewhere:
Amended sections 5.10 and A2.2.2 of Schedule 1 now read as follows (with changes shown underlined):
“…
5.10 New checkout solution
Our new checkout solution consists of:
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 following terms depending on the country in which your Account is registered with PayPal:
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
Payments from cards (Visa, Mastercard or Maestro) using Custom Card Fields* | Payments from American Express cards using Custom Card Fields | Card-funded payments from users of our Payments without a PayPal account service | Payments from Local Payment Methods | Other payments | ||
Blended Pricing Fee Structure | Interchange Plus Fee Structure | |||||
Fee | 1.20% + Fixed Fee | Interchange Fee + 1.20% + Fixed Fee | 3.5% | 1.20% + Fixed Fee | 1.20% + Fixed Fee | 2.90% + Fixed Fee |
* 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
Payments from cards (Visa or Mastercard) using Custom Card Fields* | Card-funded payments from users of our Payments without a PayPal account service | Payments from Local Payment Methods | Other payments | ||
Blended Pricing Fee Structure | Interchange Plus Fee Structure | ||||
Fee | 1.20% + Fixed Fee | Interchange Fee + 1.20% + Fixed Fee | 1.20% + Fixed Fee | 1.20% + Fixed Fee | Standard Rate in section A2.2.1 or (subject to sections A2.2.3 and A2.2.4) Merchant Rate applies. |
* 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
Payments from cards (Visa or Mastercard) using Custom Card Fields* | Card-funded payments from users of our Payments without a PayPal account service | Payments from Local Payment Methods | Other payments | ||
Blended Pricing Fee Structure | Interchange Plus Fee Structure | ||||
Fee | 1.90% + Fixed Fee | Interchange Fee + 1.90% + Fixed Fee | 1.90% + Fixed Fee | 1.90% + Fixed Fee | Standard Rate in section A2.2.1 or (subject to sections A2.2.3 and A2.2.4) Merchant Rate applies. |
* 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.
We have amended the PayPal Online Card Payment Services Agreement to:
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:
Product | Card Type | Fee |
Website Payments Pro or Virtual Terminal | Visa, Mastercard or Maestro
| Blended Pricing Fee Structure 3.4% + Fixed Fee |
Interchange Plus Fee Structure Interchange Fee (approximately ranges from 0.2% to 2.0%) + 2.90% + Fixed Fee | ||
Custom Card Fields | Visa, Mastercard or Maestro | Blended Pricing Fee Structure 1.2% + Fixed Fee |
Interchange Plus Fee Structure Interchange Fee (approximately ranges from 0.2% to 2.0%)
| ||
American Express | 3.5% |
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.
…”
Sections of the PayPal Online Card Payment Services Agreement have been amended:
Section | Amendment |
New section 5.5 | This is a new section which contains terms which apply to you if we allow you to receive payments from American Express cards. |
Section 8.1 (Termination and suspension – By you) | We have added some terms which give you more flexibility to stop or terminate your use of Custom Card Fields. We have also added a provision which relates to how you may stop your acceptance of American Express card payments, if we allow you to receive such payments. |
; and
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.
Note for Irish registered users: the PayPal Online Card Payment Services Agreement applies to you only after the launch of Custom Card Fields for Ireland. PayPal may launch Custom Card Fields 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).
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: June 14, 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:
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:
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:
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.
…
A2.2 Receiving Domestic payments (Selling) | … A2.2.2 Fees for using the new checkout solution - UK, Jersey, Guernsey, Isle of Man and Gibraltar A2.2.2.1 Payments from cards (Visa, Mastercard or Maestro) through Custom Card Fields *
* 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 Payments received other than through Custom Card Fields 3.4% + Fixed Fee … |
… ”
2. Other changes
Sections of the PayPal User Agreement have been amended:
Section | Amendment |
6.1 How to Withdraw/Redeem E-money | This section is amended to clarify the types of withdrawals which we may allow. |
; and
Notice of amendment to the PayPal Website Payments Pro and Virtual Terminal Agreement (UK, Gibraltar, Jersey, Guernsey and Isle of Man only)
Effective Date: June 14, 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:
We may offer you the Custom Card Fields Product:
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:
Section | Amendment |
New section “About this Agreement” | This is a new section comprised of and clarifying existing provisions explaining our Products, Online Card Payment Services and how the PayPal Online Card Payment Services Agreement applies to you. |
|
|
1.3 (Your Information) | This section becomes new section 5.4 (Privacy Statement) under renamed section 5 (How our other legal documents apply) with further amendments for context. |
2.6a (Glossary) 2.7 (Blended Pricing or Interchange Plus Transaction Fees?) 3. (Settlement of Card Payments within the Interchange Plus Fee Sturcture) | Together these sections form a new section 3 (Choice of Interchange Plus Fee Structure and Blended Pricing Fee Structure) with further amendments for context. |
7. (Banking terms for Card Transactions) | This section becomes new section 5.3 (Commercial Entity Agreement) under renamed section 5 (How our other legal documents apply) with further details for context in new section 5.1 and new section “About this Agreement”. |
New section 7 (Custom Card Fields Fraud Management Filters) and new Schedule 3 | This section and schedule contain the terms for your use of Custom Card Fields Fraud Management Filters. |
9.4 (PayPal Hosted Solution and your intellectual property) | This section becomes new section 6.4 (PayPal Hosted Integrations and your intellectual property) with further amendments for context. |
10. (Definitions) | This section is amended to:
|
; and
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:
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:
…
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:
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:
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:
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:
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:
5.7.2 Refund Policy
…
5.7.3 Data Protection and Privacy Policy
…
5.7.4 Security
…
A3.1 Currency Conversion | …
|
…”
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
Activity | Fee |
Sending a Cross Border Personal Transaction payment |
5% of the transaction amount.
The minimum fee is £0.99 GBP and the maximum fee is £2.99 GBP. |
…”
4. Fees for receiving Commercial Transaction payments
We are changing our Commercial Transaction payment Fees as follows:
Sender’s country | Cross Border Fee |
|
Northern Europe | 0.5% |
|
US / Canada | 2.0% |
|
Europe II | 2.0% |
|
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.
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.
Activity or Event | Fee | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
A2.1 Sending (Buying) | Free (when no currency conversion is involved) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
A2.2 Receiving Domestic payments (Selling) | A2.2.1 Standard rate 2.90% + Fixed Fee A2.2.2 Fees for using the new checkout solution - 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. A2.2.3 Merchant rate (For Accounts with Merchant rate status only. Subject to eligibility, application and approval by PayPal. PayPal may evaluate applications on a case-by-case basis, including, without limitation on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. See A2.2.2.4 for more details):
A2.2.3.1 Merchant rates if you are a User registered in the UK, Jersey, Guernsey, Isle of Man or Gibraltar: On and from August 19, 2019 the Merchant rate 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.
A2.2.2.4 Merchant Rate eligibility
To be eligible to apply for (and retain) Merchant rate status the Account must:
PayPal may downgrade an Account to the Standard rate at any time if the above conditions are not met or there are unresolved chargebacks against the Account. See also section 5.4.
If PayPal downgrades your Account you will need to apply to PayPal again for your Account to get Merchant rate status.
You may apply to receive the Merchant rate for your Account using the dedicated online application form when logged into your PayPal account. If your application is rejected, please note that you may only submit an application once every thirty days.
Merchant rates do not apply to Commercial Transaction payments received through the Website Payments Pro suite of payment functionality, Virtual Terminal and PayPal Here. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
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). 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. A2.3.1 Everywhere except Ireland
A2.3.2 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), the Fees set out in section A2.3.1 shall apply to Users registered in Ireland instead of the Fees set out in this section A2.3.2. |
…
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:
Currency: | Fee: | Currency: | Fee: |
Australian Dollar: | 0.30 AUD | New Zealand Dollar: | 0.45 NZD |
Brazilian Real: | 0.60 BRL | Norwegian Krone: | 2.80 NOK |
Canadian Dollar: | 0.30 CAD | Philippine Peso: | 15.00 PHP |
Czech Koruna: | 10.00 CZK | Polish Zloty: | 1.35 PLN |
Danish Kroner: | 2.60 DKK | Russian Ruble: | 10.00 RUB |
Euro: | 0.35 EUR | Singapore Dollar: | 0.50 SGD |
Hong Kong Dollar: | 2.35 HKD | Swedish Krona: | 3.25 SEK |
Hungarian Forint: | 90.00 HUF | Swiss Franc: | 0.55 CHF |
Israeli New Shekel: | 1.20 ILS | New Taiwan Dollar: | 10.00 TWD |
Japanese Yen: | 40.00 JPY | Thai Baht: | 11.00 THB |
Malaysian Ringgit: | 2.00 MYR | U.K. Pounds Sterling: | 0.20 GBP (payable by Irish users) 0.30 GBP (payable by all other users) |
Mexican Peso: | 4.00 MXN | U.S. Dollar: | 0.30 USD |
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:
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:
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 a 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: 2.5% above the base exchange rate (to form the transaction exchange rate). 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):
* 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 “Currency Conversion Fee for Irish Users effective on further notice on or after 19 August 2019” set out above shall apply to Users registered in Ireland instead of the “Currency Conversion Fee for Irish Users” set out above. |
…”
6. Withdrawing your Balance
We are amending section A3.2 (Withdrawing Your Balance) in Schedule 1 (Table of Fees) as follows:
Section A3.2 in Schedule 1 (Table of Fees) now reads as follows (with amendments underlined):
“…
A3.2 Withdrawing your Balance | A3.2.1 Withdrawal directly to a bank account (where available*) Free (when no currency conversion is involved**) If you withdraw your balance in a currency other than the currency in which the balance on your Account is denominated, you will additionally be charged Currency Conversion Fees as set out above. * Withdrawal to a bank account may not be possible in all countries. **A currency conversion (and Currency Conversion Fees) may also apply – see section 6 (Withdrawing/Redeeming E- money) for details.
A3.2.2 Withdrawal to/through a card (where available*)
A3.2.2.1 Users in the United Kingdom, Jersey, Guernsey and Isle of Man: Free (when no currency conversion is involved) A3.2.2.2 Users in Romania, Slovenia, Bulgaria 1% of the amount transferred with a minimum and maximum fee depending on the currency in which the card is denominated (we call this the Withdrawal Currency) **, as follows:
A3.2.2.3 Users in Cyprus, Estonia, Gibraltar, Liechtenstein, Lithuania, Latvia, Malta, Slovakia and San Marino*: The following fee applies per withdrawal **, depending on the currency in which the card is denominated (we call this the Withdrawal Currency).
* Withdrawal to a card may not be possible in all countries. **A currency conversion (and Currency Conversion Fees) may also apply – see section 6 (Withdrawing/Redeeming E- money) for details. |
…”
…”
7. 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 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.
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:
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
Product | Monthly Fee |
Website Payments Pro (including Express Checkout, Direct Payments API, Virtual Terminal and Fraud Management Filters) | GBP 20.00 |
Virtual Terminal only | GBP 20.00 |
Custom Card Fields | None |
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:
Argentine Peso: | 2.00 ARS | New Zealand Dollar: | $0.45 NZD |
Australian Dollar: | $0.30 AUD | Norwegian Krone: | 2.80 NOK |
Brazilian Real: | 0.60 BRL | Philippine Peso: | 15.00 PHP |
Canadian Dollar: | $0.30 CAD | Polish Zloty: | 1.35 PLN |
Czech Koruna: | 10.00 CZK | Russian Ruble | 10.00 RUB |
Euro: | €0.35 EUR | Singapore Dollar: | 0.50 SGD |
Danish Kroner: | 2.60 DKK | Swedish Kronor: | 3.25 SEK |
Hong Kong Dollar: | $2.35 HKD | Swiss Franc: | 0.55 CHF |
Hungarian Forint: | 90 HUF | Taiwan New Dollar: | 10.00 TWD |
Israeli New Shekels: | 1.20 ILS | Thai Baht: | 11.00 THB |
Japanese Yen: | ¥40 JPY | Turkish Lira: | 0.45 TRY |
Malaysian Ringgit: | 2 MYR | UK Pounds Sterling: | £0.20 GBP |
Mexican Peso: | 4.00 MXN | US Dollar: | $0.30 USD |
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
Activity/Event/Product | Fee |
Receiving Cross Border Payments | The fee for Receiving Cross Border payments (Selling) applies as outlined in the User Agreement, except that it does not apply to payments received from cards using the Online Card Payment Services under the Interchange Plus fee structure. |
Additional fee for failure to implement PayPal Express Checkout | If you do not implement Express Checkout as required in section 1.2 above, the percentage components of the Transaction Fees set out in section 2 will each increase by an additional 0.5 % after PayPal gives you 30 days’ notice. You agree to pay the increased fees. |
Additional fees for additional risk factors | If PayPal determines that your Account receives, or is likely to receive, a disproportionately high number of customer complaints, Reversals, Chargebacks, Claims, or other indicators of a serious level of risk, PayPal may increase the percentage components of your Transaction Fees by up to 5%, after giving you 30 days prior notice of the increase. You agree to terminate your use of the Product if you do not agree to this increase. |
Recurring Payment Tool (optional service) | GBP 20.00 per month |
Uncaptured Authorisation Transactions | GBP 0.20 for each successful but uncaptured authorisation transaction via Direct Payment API or Virtual Terminal |
Card Account Verification Transactions | 0.20 GBP for each card account verification request (for all Direct Payment API or Virtual Terminal card account verification transactions (Visa and MasterCard only). For the avoidance of doubt, this does not include Uncaptured Authorisation Transactions. |
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.
…”
Other clauses of the PayPal Online Card Payment Services Agreement (formerly the PayPal Website Payments Pro and Virtual Terminal Agreement) have been amended to clarify and reorganise existing wording and correct minor typographical errors.
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).
Sections of the PayPal Here™ Agreement have been amended to clarify and reorganise existing wording (including section 10.5.1 (PayPal Here Merchant Rate) to confirm that Merchant Rate under the PayPal User Agreement no longer applies on and from August 19, 2019) and correct minor typographical errors.
Please also note that if you use PayPal Here™, except as further provided in section 10, you agree to pay the fees prescribed for Business Accounts in the PayPal User Agreement.
Please see the Notice of amendment to the PayPal User Agreement (Effective Date August 19, 2019) for details of fee changes in 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:
Section | Amendment |
8.2 Currency Conversion | The last four paragraphs of this section become new section 8.3 (Currency Conversion Choices). |
; and
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.
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.
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.
Issued: February 27, 2019
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.
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.
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:
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
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.
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.