Linking Credit or Debit Cards To Your PayPal Account

Sep 05 2019 | PayPal editorial staff

Facilitate the process of checkout when you shop online.
So you’ve signed up for your PayPal account and are a few steps away from faster checkouts. Adding a credit or debit card not only saves the hassle of looking for payment details each time you shop, it also better guards your data as you no longer have to type in your financial information on the different websites you check out on.  

Moreover, PayPal never shares your full details and monitors for any activity that seem unusual. We’ll send you a receipt for every payment, so you can keep track of your spending.   

The best thing is that using PayPal to pay is free. You won’t need to pay any fees to enjoy faster and safer checkouts, along with your card rewards and additional perks such as Buyer Protection and free return shipping for eligible goods*. 

Linking your credit or debit card

There are various ways you can link your credit or debit card. If you haven’t already done so while signing up, you can do it at any time from your personal account.  

STEP 1: Link from your PayPal payment dashboard 

Once you’ve logged in, look for the Payment Methods tab on your account browser and click through to a summary of your currently linked bank accounts, credit or debit cards, as well as PayPal Balance. To start, click on Link a card. 

STEP 2: Verify your credit or debit card details 

Choose if you’d like to link a credit or a debit card. We’d need your card details, which can be found on your physical bank card. Once you have done so, click Save.  

You’ll then be taken to your bank’s website to authenticate your cardOnce you enter the one-time passcode your bank will send to confirm your card, you’re done!  

STEP 3: Add new credit or debit card  

Using PayPal doesn’t mean you lose out on card perks. In fact, your account allows you to pick and choose the card that gives you the preferred reward points, miles and cashbacks. All you need to do is link each card once. 
Note: Checklist
Before linking, check if your bank accepts international transactions through PayPal. Do also remember to activate your credit or debit card, and make sure you’ve enabled it for international transactions. 

Remove a credit or debit card 

To remove a credit or debit card, simply go to the same page under Payment Methods and select the card you want to remove. Click on Edit, and then Remove Card, and it will no longer be linked to your PayPal account. 

What to do next? 
Now that you have your account and credit or debit card linked and ready to go, it’s time to shop on more stores all around the world. Don’t forget, you’re covered with our Buyer Protection when you check out with PayPal, and enjoy free return shipping for eligible items*. You can also receive payments from others when you link your bank account.  

The contents of this site are provided for informational purposes only. You should always obtain independent, professional accounting, financial, and legal advice before making any business decision.

Frequently asked questions.

You can add a debit or credit card, and send payments for your purchases to the recipient's email address or via PayPal.Me. (Note: Personal payments to friends and family isn't supported in your PayPal India account.)

Pay using recipient's email address
  1. Go to Send payments.
  2. Click Pay for goods or services.
  3. Enter the recipient's email address, and click Next.
  4. Enter the amount you want to send, select the currency, and add a message to your recipient (optional).
  5. Select your shipping address, and click Continue.
  6. Review your payment information and click Send Payments Now.
On the payment page, your payment will be set in the default currency of your recipient’s country or region. If you have an agreement with the recipient, you’re able to change it to other currency. 

After the payment is sent, your recipient will receive a notification email. If they don’t have a PayPal account, they can follow the instructions in the email to sign up for an account and accept your payment.

Pay with PayPal.Me

You can also try PayPal.Me, our new, hassle-free way to pay and get paid. If the person you're paying has a PayPal.Me link, they can share the link with you and let you pay them easily through PayPal. Learn more about how PayPal.Me works.

Useful tip: Preferred way to pay

You can select a debit or credit card as your preferred funding source, and we'll use it when you shop online or send a payment for goods or services.

To set your preference:

  1. Go to Money.
  2. Click Payment preferences.
  3. Select your preferred card, and click Confirm.
Watch this video to see how to shop online and check out with your PayPal account.

To add a card to your PayPal account:
  1. Go to Money.
  2. Click Link a new card under "Credit and debit cards".
  3. Enter your card information.
  4. Click Save.
  • If your card is eligible for automatic update with PayPal, we may update the card information on your behalf when a new card is issued to replace the existing card linked to your PayPal account. Any billing agreement and payment preferences associated with this existing card will be migrated to your new card.
  • You can add up to 24 cards in your PayPal account.
To confirm your credit card, we’ll charge your card $1.95 USD to generate a unique 4-digit PayPal code on your card statement. You’ll need to find the code on your card statement and enter it on the PayPal website.

The $1.95 USD charge will be refunded to your card once the card is confirmed or if the 4-digit code is left unused for 75 days. Depending on your card issuer, the refund may take up to 30 days to appear on your card statement.

Authorise PayPal to send a code to you:
  1. Go to Money.
  2. Click the card you want to confirm.
  3. Click Confirm My Card.
  4. Click Continue.

Locate the charge and a code on your card statement

The PayPal code is displayed on your card statement next to the charge of $1.95 USD. In the item description section, you will see it next to the word “PayPal.” For example, if you see PayPal*1234CODE or PP*1234CODE on your statement, then “1234” is your code.

Please allow 2 to 3 business days  for the PayPal code to appear on your online card statement. Otherwise, check for the code when you receive your next statement in the mail. Confirm your card by entering the code.

Once you have your 4-digit PayPal code:
  1. Go to Money.
  2. Click the card you want to confirm.
  3. Click Confirm card.
  4. Enter the 4-digit code and click Confirm.
Watch this video to see how to link your card and shop with PayPal.
Website Payments Pro is a fully customisable payments system that lets you accept all major credit and debit cards and PayPal. You create the online checkout experience that’s right for your customers – from branding and look-and-feel to back-end integration.

What can I do with Website Payments Pro?

With Website Payments Pro, you get all the benefits of Website Payments Standard, plus the ability to accept payments via phone, fax and mail (with Virtual Terminal).  Website Payments Pro is fully customisable and integrates with almost all major shopping carts out of the box.

Is it right for my business?

Website Payments Pro is a good solution for any business that wants to accept credit and debit cards, as well as PayPal, while keeping customers on their website throughout the checkout experience.

Website Payments Pro also gives you detailed order management and transaction history, letting you see all credit card, debit card, and PayPal transactions in one place. For every sale, funds are transferred into your PayPal account, usually in minutes. You can then transfer the money to your bank account or keep it in your PayPal account to use for other online business transactions. All of it is easily managed in your PayPal dashboard.

Please visit our dedicated page to learn more about fees.

For more information about Website Payments Pro, visit our information page.

It's possible that the payment you're referring to has been stopped by our internal security system.

To provide one of the safest online payment services our internal security system reviews every payment before it's approved. Occasionally, we must stop a payment. This is similar to the way most banks and credit card companies work. When a payment is stopped, it's not a reflection of you or your account activities, but rather we've noticed a pattern associated with higher-than-normal risk.

To improve the chances of successful payments:

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