How to Use PayPal


How to Use PayPal

Use PayPal when shopping for the things you love, sending money to friends and family, and receiving payments for items you sell online.

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Did You Know?

Tip #4PayPal isn't just for shopping.

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Use PayPal for paying your share of a group gift or splitting the check. It's easier than running to the ATM or writing a check, plus it's free in the US when you send money using your bank account or PayPal balance.
  • Send money from your computer or via your mobile
  • All you need is an email address or mobile number
  • Transfer money abroad quickly
Whether you want to clear out your closet, make extra cash, or raise money for a cause, PayPal allows you to accept payments easily and securely.
  • Your financial info and transactions are secure
  • On eBay, classified sites, and your website
  • Protect yourself from fraud with Seller Protection
PayPal is not just for eBay. Use it to check out quickly and securely at thousands of stores. Look for the PayPal button at checkout.
  • We keep your financial info secure
  • Your eligible purchases are protected if there is a problem (See Eligibility)
  • Speed through checkout in a few clicks

How Do I Pay with PayPal?

Here's how to shop online using PayPal:

  1. First, shop at eBay, or any other online retailer that accepts PayPal.
  2. When you're ready to check out, choose the PayPal button.
  3. Log in entering your email address and password and we'll process the payment without sharing any of your financial details.

Where Can I Use PayPal?

You can use PayPal at thousands of your favorite online stores—just look for PayPal when you check out. You can find great deals from selected merchants anytime at our PayPal Shopping site. And you can also use PayPal to pay for items on eBay.

Use PayPal at stores like, American Eagle Outfitters,, Delta Air Lines,,, Dell, eBags, and more. Visit Our Store Directory


How Does PayPal Help Protect Me When I Shop Online?

When you pay with PayPal, your financial information isn't shared with retailers. It is securely protected to minimize fraud and help safeguard your identity. We also protect you if there's a problem with your purchase. Coverage includes:

  • $0 Liability for Unauthorized Purchases: for example, if someone uses your PayPal account without your permission. See Eligibility
  • Refunds for incorrect orders or items that never arrive; you ordered a blue shirt and they send it in pink.
  • A convenient process for resolving problems

How Much Does It Cost to Pay with PayPal?

It's free to sign up for a PayPal account. PayPal does not charge any fees when you pay for goods and services within the US using your account. There are fees in other cases, such as:

  • Paying for goods and services outside the US
  • Receiving payments for goods and services
  • Receiving money from friends and family made using a debit or credit card
  • Receiving payments from other countries
  • Sending money with a credit card to friends and family

View PayPal Fees


Can I Pay with PayPal and Still Collect Credit Card Reward Points?

Absolutely. Just link your credit card to your PayPal account when you sign up or add it later. Then simply select your credit card as your method of payment when you check out using PayPal and you'll rack up the rewards!


How Can I Pay for My Purchases Using PayPal?

  • Bank Account: The money comes directly out of a bank account that you link to your PayPal account.
  • Debit or Credit Card: Choose to pay with your credit card and keep collecting your credit card reward points.
  • PayPal Balance: Turn your PayPal account into an easy-to-monitor spending account by adding money to your PayPal balance. You can increase your PayPal balance by transferring funds from your bank account, adding money via MoneyPak, or receiving money from friends and family. If you have enough money in your PayPal balance to cover the payment, then PayPal will use this money first for your payment.
  • Cash* via MoneyPak™: Add funds to your PayPal balance without having a bank account or credit card. Then use this money to shop and send money using PayPal.
  • PayPal Credit: PayPal offers two types of credit options:
    • PayPal Extras MasterCard®: Use your PayPal Extras MasterCard to get 2x points for all your PayPal and eBay purchases. You can redeem points for gift cards, merchandise, travel deals, or cash back as a credit into your PayPal balance.
    • Bill Me Later®, a PayPal service: Use Bill Me Later financing to get up to six months to pay. It takes just seconds to use when you check out with PayPal. Bill Me Later's flexible financing empowers you to buy what you need, when you need it.

*Use cash to buy a MoneyPak card to fund your PayPal account. Available in the US only. Usage of this service is subject to identity verification and other controls. This service is being provided by a registered Money Services Business.


How Do I Send Money to Someone?

There are two ways you can send money with PayPal—via your online PayPal account or via your mobile phone. All you need is the recipient's email address or mobile number. The recipient will receive an email or text to notify them of your payment. To withdraw the money, they will need to open a PayPal account—sign-up is free.

Learn More about Sending Money


How Much Does It Cost to Send Money?

To send money in the US, PayPal does not charge any fees when you send money with your bank account or PayPal account balance. When you use a credit or debit card, the cost is 2.9% of the total amount sent plus $0.30 USD per transaction.

Fees are based on recipient's country, whether you fund the transfer with your bank account or a credit card.

View PayPal Fees


How Do Recipients Get the Money?

They'll get an instant email or text notification prompting them to log in to PayPal to get the money. If they don't have a PayPal account, they can sign up for a new account in minutes by following instructions included with their notification. Next, the money shows up in their PayPal balance, which they can either spend online or transfer to their bank account.


Do Recipients Need a PayPal Account?

Yes, they need a PayPal account to receive money from the sender. This simple step helps PayPal protect you against fraud. If they don't have a PayPal account, all they need is an email address to open one. They'll get simple sign-up instructions included with their Send Money notification from PayPal.


How Can I Access My Money?

You'll receive an email notifying you that a payment has been made.

To collect your payment, simply click on the link in the email and log in to your PayPal account.

Recipients in the US can access the money by sending it to friends and family, spending it online, transferring it to a bank account, or requesting a check.


Can I Use PayPal to Sell Things on eBay and Classified Websites?

Whether you want to sell something on eBay, classified websites, online forums, or your own website, PayPal can help you get paid.

To get paid for an item you sell on eBay, you'll need to open a PayPal account first, and then list the item you want to sell on eBay. After your item sells and the buyer sends money to your PayPal account, PayPal will send you a payment confirmation.

To get paid for an item you sell on a classified website, online forum, or social networking site, you'll need to open a PayPal account first and then list the item you want to sell. After you and the buyer agree on the purchase price, go to the Request Money tab in your PayPal account and type in the buyer's email address to request payment. PayPal will send the buyer an email requesting payment through PayPal. After the buyer pays for the purchase, PayPal will send you a payment confirmation.


Can I Use PayPal to Accept Payments on My Website?

Yes. PayPal is an easy and secure way to start accepting payments online. It's also a well-known payment method that your shoppers trust. If you already have a website, use our payment buttons to accept debit card, credit card, and bank account payments—setup only takes a few minutes. You don't need a separate merchant account and gateway. And your customers don't even need a PayPal account to make a payment. It's easy to integrate our payment buttons onto your site and start collecting payments online.


How Does PayPal Protect Me as a Seller?

If you are a US PayPal account holder and your transaction is deemed eligible, PayPal will cover you in the event of an unauthorized purchase (See Eligibility), an "item not received" claim, a chargeback, or a reversal.

Our Seller Protection program also helps cover you for eligible sales when you follow the common sense tips and requirements. It's usually as easy as shipping to the right address and saving a few shipping documents to take advantage of this built-in benefit.

Learn More about Seller Protection


Can PayPal Help Me Fundraise?

Yes. PayPal offers a suite of online fundraising tools to help you collect donations from friends, family, co-workers, or anyone in your social network. You can fundraise by accepting credit cards on your website, or using your PayPal account to request money via email or your mobile phone. We can also help you fundraise on Facebook, or create a custom website to support your cause.

Learn More about Fundraising with PayPal


How Can I Accept Credit Cards for Items I Sell?

All you need is a PayPal account. Shoppers can pay with their bank account, PayPal balance, or their debit or credit card. And because financial information is not shared between the buyer and seller, the transactions are secure.


Can I Accept Payments in a Different Currency?

Yes. PayPal now supports payments in 25 currencies. As a seller, you can choose to accept payments in your preferred currency.

Here are the currencies we support:

Canadian Dollars, Euros, British Pounds, US Dollars, Yen, Australian Dollars, New Zealand Dollars, Swiss Francs, Hong Kong Dollars, Singapore Dollars, Swedish Krona, Danish Krone, Polish Zloty, Norwegian Krone, Hungarian Forints, Czech Koruna, Turkish Lira, Israeli New Shekels, Brazilian Real, Mexican Pesos, Philippine Pesos, Malaysian Ringgit, Taiwan New Dollars, Thai Baht, Chinese RMB.