Past Policy Updates

This page shows important changes that were made to the PayPal service, its User Agreement, or other policies.

*For past policy updates earlier than December 2013, please view this PDF.

*For past policy updates between Jan 2014 and Dec 2018, please view this PDF.

This page informs users in advance of important changes to the PayPal service, its User Agreement, or other policies. This page displays policy updates with future effective dates. Go to “Past Policy Updates” for previous policy updates.

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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: 29 September 2025

Amendments to the PayPal Alternative Payment Methods Agreement

Effective 29 September 2025:

The section titled “Your liability to us” and Annex 1 of the PayPal Alternative Payment Methods Agreement are being updated to clarify that reversals can include missing funds. Annex 1 is also being clarified to indicate which payment methods could be subject to missing funds. This notice is applicable to sellers only.

Review the updated Alternative Payment Methods Agreement

Issued: 15 October, 2025

Amendments to the PayPal Privacy Statement
Effective 22 January, 2026:

• The PayPal Privacy Statement has been updated to include reference to third-party wallets.

Review the updated PayPal Privacy Statement

Introduction of Third-party Digital Wallet Terms and Conditions
Effective 22 January, 2026:

• We will offer the option for users to add their PayPal issued cards to a third-party digital wallet.
• The Third-party Digital Wallet Terms and Conditions will only apply to users and specific PayPal issued cards if they use this new service once it is available.

Review the Third-party Digital Wallet Terms and Conditions

Introduction of PayPal Links Terms and Conditions
Effective 22 January, 2026:

• We're introducing a new feature called PayPal Links for consumers that allows you to send and request money with a link. The PayPal Links Terms and Conditions will only apply to you if you agree to them before using this new feature.

Review the PayPal Links Terms and Conditions

Amendments to the PayPal User Agreement
Effective 22 January, 2026:

Updates relevant to merchants regarding PayPal’s pay later offers

• We're introducing clarifications for merchants in the Restricted Activities section regarding the promotion of PayPal’s pay later offers, so the language is clearer and aligns with the requirements of the PayPal Advertising Program section.

Review the updated PayPal User Agreement

Amendments to the PayPal Online Card Payment Services Agreement and Merchant Fees page
Effective 22 January, 2026:

• We are changing this agreement to update the terms for Chargeback Protection Tools to include a Loss Cap, outline chargeback coverage for ticket(s) for an event that will occur at a future date and clarify criteria for merchant enrollment to Chargeback Protection Tools. We are also amending the Termination/Suspension and Cancellation clause for Chargeback Protection Tool.
• We are also adding a new product variation called “Effortless Chargeback Protection Tool”.
• We are also updating our Merchant fee page to introduce new fees relating Effortless Chargeback Protection Tool.

Review the updated PayPal Card Online Payment Services Agreement

Review the updated Merchant Fees page

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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: 17 July 2025

Amendments to the PayPal Online Card Payment Services Agreement and Merchant Fees page
Effective 22 January, 2026:

Updates relevant to merchants regarding PayPal’s pay later offers

• We're changing this agreement to update the terms for Chargeback Protection Tools to include a Loss Cap, outline chargeback coverage for ticket(s) for an event that will occur at a future date and clarify criteria for merchant enrollment to Chargeback Protection Tools. We are also amending the Termination/Suspension and Cancellation clause for Chargeback Protection Tool.
• We're also adding a new product variation called “Effortless Chargeback Protection Tool”.
• We're also updating our Merchant fee page to introduce new fees relating Effortless Chargeback Protection Tool.

Review the updated PayPal Card Online Payment Services Agreement

Review the updated Merchant Fees page

Amendments to the PayPal Privacy Statement
Effective 2 October 2025:

• We're updating the PayPal Privacy Statement to improve your experience. You can use information you save with Fastlane to help speed up checkouts and other online shopping tasks, like creating a store account.

Review the updated PayPal Privacy Statement

Amendments to the PayPal Online Card Payment Services Agreement
Effective 2 October 2025:

• We are making changes to introduce new terms related to the use of Fastlane.

Review the PayPal Online Card Payment Services Agreement

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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: 2 September 2025

Introduction of PayPal Links Terms and Conditions

Effective 2 September 2025:

• We're introducing a new feature called PayPal Links for consumers that allows you to send and request money with a link. The PayPal Links Terms and Conditions will only apply to you if you agree to them before using this new feature.

Review the PayPal Links Terms and Conditions

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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. Subject to the below, these changes are only relevant for non-consumers, except for the clarificatory changes. 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: 15 April 2025

Amendments to the Zettle Payment Terms and Conditions and the PayPal Merchant Fees page

Effective 17 July 2025:

• We are introducing Payment Links as a new way for merchants to accept payments. Standard transaction fees apply when accepting payments via Payment Links. No action is required to start using Payment Links. Once available, you’ll see the option in your Zettle app.

Review the updated PayPal Merchant Fees page

Amendments to PayPal's Seller Protections Program

Effective 17 July 2025:

• We are revising the ‘Basic Requirements’ for PayPal’s Seller Protection program to include integration requirements for sellers who have integrated a PayPal Checkout product with their website.
• We are revising PayPal’s Seller Protection program to extend eligibility to Guest Checkout transactions received by accounts registered in certain markets.

Review the updated terms for PayPal’s Seller Protection program

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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. Subject to the below, these changes are only relevant for non-consumers, except for the clarificatory changes. 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: 11 December 2024

Introduction of Pool Terms and Conditions

Effective: 13 November 2024

• We are introducing a new feature called Pool for consumers. Pool is a feature offered by PayPal to consumers to create a pool to receive funds for a specified purpose, and for contributors to contribute funds to a pool. The Pool terms and conditions will only apply to users if they choose to use Pool and agree to them before using this new feature.
• Users can also learn more about how we use their personal data when they use our Services, including Pool, in the Privacy Statement which has been updated to reflect new functionality

Review the Pool Terms and Conditions

Review the updated Privacy Statement

Amendments to the PayPal User Agreement

Effective 9 January 2025:

• PayPal will not be charging a fee for instant withdrawals to a bank account in the European Economic Area (by way of a SEPA instant payment).

Review the updated Merchant fee page

Review the updated Consumer fee page

Amendments to the PayPal Seller Protections Program
Effective 11 December 2024:

• We are removing a requirement to provide signature confirmation as proof of delivery for Physical Goods.

Review the updated PayPal Seller Protection Program

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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. Subject to the below, these changes are only relevant for non-consumers, except for the clarificatory changes. 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: 24 October 2024

Amendments to the PayPal Business Debit Mastercard® Cardholder Agreement
Effective 24 October 2024

• We are enhancing the PayPal Business Debit Mastercard service to allow PayPal Business Debit Mastercard customers to request a digital Card as well as a physical Card.

Review the updated Business Debit Mastercard Terms and Conditions

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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: 8 July 2024

Amendments to the PayPal User Agreement
Effective: 10 October 2024

• We are updating the “Your use (as a seller) of personal data; Data protection laws” section of the PayPal User Agreement to remove any duplicative language and improve clarity.

• We are clarifying that merchants are permitted to share customer personal information provided to them by PayPal with their service providers. We are also asking that merchants acknowledge they have the rights and authorities to share personal data with PayPal. This is a requirement under existing user agreement for merchant to comply with applicable data protection laws.

• We are removing the following documents from the Legal Agreements page: (i) Key Payment and Service Information and (ii) User Agreement Reference Notes. Any references to User Agreement Reference Notes will be deleted from the User Agreement. A pdf version of the Key Payment and Service Information document and User Agreement Reference Notes is available using the links below.

Review the updated User Agreement

Key Payment and Service Information

User Agreement Reference Notes

Amendments to the PayPal Online Payment Services Agreement
Effective: 10 October 2024

• We are changing this agreement to introduce a new service, the SEPA Direct Debit service, which will allow merchants to accept SEPA Direct Debits as a payment method. Consequently, we are renaming this agreement to PayPal Online Payment Services Agreement.
• We are also changing our Merchant fee page to introduce new fees relating to this service.
• We are introducing new terms and fees for Fraud Protection Tools, as an optional additional service.

Review the updated PayPal Online Payment Services Agreement

Review the updated Merchant Fees page

Amendments to the PayPal Alternative Payment Methods Agreement
Effective: 8 July 2024

• We are removing the following redundant sentence in section 3: “The additional percentage-based fee for international commercial transactions set out in the User Agreement does not apply when you receive APM Payments”. This information is already covered in the PayPal Merchant Fee page. Removal of this sentence does not change how PayPal charges for APM Payments or additional percentage-based fees for international commercial transactions.

Issued: 29 August 2024

Amendments to the PayPal Alternative Payment Methods Agreement
Effective: 29 August 2024

• We are updating Annex 1 to reflect the terms applicable to Apple Pay and to add Google Pay as a new payment method.

Review the updated PayPal Alternative Payment Methods Agreement

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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

Amendments to the User Agreement
Effective 28 May 2024:

• Further to our policy update of 21 February 2024, we confirm there are no changes to the "Governing law and jurisdiction" clause in relation to consumers. For merchants, the current version of the User Agreement dated 16 January 2024 continues to apply. For convenience we are setting out the full clause below which will apply from 28 May 2024:

“Governing law and Jurisdiction

This User Agreement and the relationship between us is governed by the laws of the Grand Duchy of Luxembourg.

If you are a consumer, mandatory statutory consumer protection regulations in your country of residence shall apply irrespective of the choice of the laws of the Grand Duchy of Luxembourg. As a consumer, you may bring any judicial proceedings relating to this user agreement before the competent court of your place of residence or the competent court in Luxembourg City where PayPal is based.

For complaints that cannot be resolved otherwise between us and merchants, the latter submits to the non-exclusive jurisdiction of the courts of Luxembourg City arising out of or relating to this Agreement or the provision of our Services without prejudice to the right of the merchant to also initiate a proceeding against PayPal in that context before the competent courts of and in Luxembourg.

The above is written without prejudice to PayPal's right to bring a claim or file for interim measures before the competent Italian Court for the recovery of the fees due by merchants.”

Review the updated PayPal User Agreement. For the avoidance of doubt, the link to the User Agreement issued on 28 March 2024 shall be referred to instead of the version issued on 21 February 2024.

Removal of SOFORT as an alternative payment method and deletion of related terms
Effective: 28 May 2024

• SOFORT is no longer available as an alternative payment method and is removed from the list of alternative payment method providers contained in Annex 1 of the PayPal Alternative Payment Methods Agreement.

Issued: 11 March 2024

Amendments to the Privacy Statement for PayPal Services
Effective 15 April, 2024:

• We are now offering package tracking as part of the PayPal services and we are updating our privacy statement to clarify that we may receive package tracking information from merchants when you Pay with PayPal or from your email when you provide consent.

Issued: 21 February 2024

Amendments to the PayPal User Agreement
Effective 28 May, 2024:

• We are clarifying our Taxes and Information Reporting terms and our currency conversion terms.
• We are making changes to clauses on ‘Indemnification and Limitation of Liability’ and ‘Governing law and Jurisdiction’ to clarify which provisions apply to consumers or non-consumers and to distinguish our liability and warranties in respect of consumers and non-consumers. The changes to the governing law clause are subject to review by the Italian Competition Authority. In the event of any further changes to that clause, we will issue a further policy update.

Review the updated PayPal User Agreement

Amendments to the PayPal Buyer Protection Program
Effective 28 May, 2024:

• We are revising PayPal’s Buyer Protection Program to exclude Non-Fungible Tokens (NFTs) from eligibility.
• In addition to meeting all other eligibility requirements for PayPal’s Buyer Protection Program, disputes asserting Significantly Not as Described claims must be opened by the buyer in the Resolution Centre within 30 days of the delivery or fulfilment of an order or within 180 days of the date a payment was sent by the buyer to the seller, whichever is sooner. The timeframes for opening other disputes asserting other claim types (including Item Not Received, Unauthorised Transactions, or other errors) are not changing at this time.

Review the updated PayPal Buyer Protection Program

Amendments to the Seller Protection Program
Effective 28 May, 2024:

• We are revising PayPal’s Seller Protection Program to exclude from eligibility Non-Fungible Tokens (NFTs) with a transaction amount of:
  • $10,000.01 USD or above (or equivalent value in local currency as calculated at the time of the transaction);
  • $10,000.00 USD or below (or equivalent value in local currency as calculated at the time of the transaction), unless the buyer claims it was an Unauthorised Transaction and the transaction meets all other eligibility requirements.

Review the updated PayPal Seller Protection Program

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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

Amendments to the PayPal User Agreement
Effective 16 January 2024:

• Pursuant to the EU’s Digital Services Act, we are clarifying how users can complain about content others may create and actions we may take.
• We are clarifying that PayPal may be required to place limitations on your account and/or withhold on certain gross payments received if you do not provide required tax-related information.

Review the updated PayPal User Agreement

Amendments to PayPal’s Seller Protection Program
Effective 16 January 2024:

• We are revising PayPal’s Seller Protection Program to exclude from eligibility:
  • Item Not Received claims filed by buyers as chargeback claims with their card issuers for card-funded transactions.

Review the updated Seller Protection Program

Amendments to the PayPal Payouts Terms and Conditions

Effective 16 January 2024:

• The PayPal Payouts Terms and Conditions are being updated to clarify existing product functionality, including:
  • Eligibility requirements for recipients of payouts to successfully receive payouts; and
  • Clarifying the respective responsibility of PayPal and senders with regard to payouts made using the PayPal Payouts product.
• In addition, the updates provide that:
  • PayPal may require evidence of express recipient consent to receive communications in connection with payouts;
  • Customers must confirm that provision of information to PayPal does not constitute a sale of data to PayPal under applicable law; and
  • Customers may not imply PayPal sponsorship or endorsement without prior permission; nor may customers seek to obtain PayPal user credentials.

Review the updated PayPal Payouts Terms and Conditions

Notices

Issued: 24 July 2023

Effective 19 October 2023:

• we are introducing a new service fee of 1% of the transaction amount for instant withdrawals in Belgium, France, Italy, Luxembourg, the Netherlands and Portugal.

Review the updated User Agreement

Review the updated Merchant fee page

Review the updated Consumer fee page

Amendments to the PayPal Online Card Payment Services Agreement

Effective 19 October 2023:

• the Advanced Credit and Debit Card Payments suite of functionality may include the ability to integrate eligible third-party wallets as add-on features. We’re revising our terms to indicate that if you choose to integrate such add-on features, you agree to the applicable third-party terms via your acceptance of the PayPal Online Card Payment Services Agreement. Such acceptance includes your acknowledgement and agreement that such third-party features and terms are provided, updated, and noticed solely by the relevant third party and not by PayPal.
• we are introducing new terms and fees for Advanced Credit and Debit Card Payment users who opt in to be charged under the Interchange Plus Plus Fee Structure.
• we are making clarifications on the availability of the Account Updater Service.

Review the updated PayPal Online Card Payment Services Agreement

Review the updated Merchant fee page

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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 User Agreement
Effective 24 July 2023:

• we are relocating to the Pay in 3 instalments terms and conditions and Pay in 3 instalment informative sheet from the Legal Agreement(s) page and User Agreement to this page. The applicable terms are not changing.

Effective 19 October 2023:

• we are introducing a new service fee of 1% of the transaction amount for instant withdrawals in Belgium, France, Italy, Luxembourg, the Netherlands and Portugal.

Review the updated User Agreement

Review the updated Merchant fee page

Review the updated Consumer fee page

Amendments to the PayPal Online Card Payment Services Agreement

Effective 19 October 2023:

• the Advanced Credit and Debit Card Payments suite of functionality may include the ability to integrate eligible third-party wallets as add-on features. We’re revising our terms to indicate that if you choose to integrate such add-on features, you agree to the applicable third-party terms via your acceptance of the PayPal Online Card Payment Services Agreement. Such acceptance includes your acknowledgement and agreement that such third-party features and terms are provided, updated, and noticed solely by the relevant third party and not by PayPal.
• we are introducing new terms and fees for Advanced Credit and Debit Card Payment users who opt in to be charged under the Interchange Plus Plus Fee Structure.
• we are making clarifications on the availability of the Account Updater Service.

Review the updated PayPal Online Card Payment Services Agreement

Review the updated Merchant fee page

Amendments to the PayPal Fundraisers Terms and Conditions

Effective 24 July 2023:

• we are clarifying that donations go directly to the charity receiving the donation and removing references to PayPal Giving Fund as it does not operate in Italy.

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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

• Apple Pay will be offered as an Alternative Payment Method for paying an invoice.

Review the updated PayPal Alternative Payment Methods Agreement

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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:

• Business accounts cannot receive personal transactions. Business account holders wishing to receive personal transactions will need to make use of a personal account.
• If you integrate or reference PayPal services on your website, we are clarifying that PayPal may use automated technologies (e.g., website crawling) to assess your website to ensure compliance with the user agreement and to combat fraud.
• Pricing for sending and receiving donations is also being updated. The new pricing will result in fee increases for some transactions. You can preview Consumer Fees page and the Merchant Fees page that will be effective following such changes.
• We are clarifying that PayPal may reverse a payment if you receive(d) compensation from your bank.
• Introducing 18 additional currencies for withdrawals from a PayPal account and clarifying the minimum and maximum fees that may apply where withdrawal transactions are made in these currencies.

Review the updated PayPal User Agreement

Amendments to the PayPal Generosity Network Terms and Conditions

Effective October 31, 2022:

• Generosity Network is being renamed as PayPal Fundraisers, and we're updating all relevant references accordingly.
• In addition, we are removing references to business fundraisers to reflect that only users with personal accounts may create fundraisers.
• Pricing for sending and receiving donations, including PayPal Fundraisers, is also being updated. The new pricing will result in fee increases for some transactions. You can preview the Consumer Fees page and the Merchant Fees page that will be effective following such changes.

Review the updated PayPal Fundraisers Terms and Conditions

Review the updated Consumer Fees Page

Review the updated Merchant Fees Page

This Page

This page details and/or previews updates to PayPal users of changes to the Italy 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:

• Amending the Reversals clause in the User Agreement to clarify when PayPal will be able to reverse a payment.
• Adding a new section on Advertising Program which permits business account holders to promote PayPal Pay Later.

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: May 31, 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 Italy 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:

• Revising PayPal’s Seller Protection program to expand the list of ineligible items to include certain Non-Fungible Tokens (NFTs) with a transaction amount of more than $10,000 USD.
• Revising the actions we may take if users engage in restricted activities by publishing unlawful content via our website or when using our services.
• Revising the Complaints section to add additional information relating to customer complaints.
• Incorporating the essential terms from the Key Payment and Service Information agreement into the User Agreement including details on the PayPal entity providing the PayPal services, general information on the service, as well as clarification on notices, term and termination.
• Clarifying that consumers have a 14 day right to withdraw from the User Agreement.
• Changing the governing law from English law to Luxembourg law, and jurisdiction from English courts to Luxembourg courts to align with the seat of PayPal (Europe) S.à r.l. et Cie, S.C.A., a registered Luxembourg bank.
• Adding a new section for business account holders, clarifying that liabilities owed to them by PayPal in connection with its products and services may be subject to management or write down by a regulatory or supervisory authority. We are required to include this so that public authorities do not need to bail-out financial institutions such as PayPal if they face financial difficulty.
• We are establishing an inactivity service fee for accounts that have been inactive for at least 12 consecutive months. This fee will be charged for the first time from October 2022 for merchant accounts and from October 2023 for personal accounts.

Review the updated User Agreement.

Review the updated Seller Protection program.

Review the updated Consumer Fees.

Review the updated Merchant Fees.

Amendments to all applicable Legal Agreements

Effective: February 11, 2022, we are:

• Adding an informative sheet relating to a personal PayPal account titled Information on PayPal (Europe) S.à r.l. et Cie, S.C.A.

Effective: May 6, 2022, we are:

• Removing or modifying references to eBay that are no longer applicable, including discontinuing the following agreement:
  • The Merchant Gift Certificates Agreement

Amendments to the Privacy Statement

Effective: May 6, 2022, we are:

• Adding clarification on collecting personal data for non-account holders and how we use your personal data.

Review the updated Privacy Statement

Amendments to the PayPal Online Card Payment Services Agreement:

Effective May 6, 2022, we are:

• Updating the agreement to reflect that PayPal is a data controller for the provision of the services.

Review the updated PayPal Online Card Payment Services Agreement

Amendments to the PayPal Partner Fundraising Program Terms and Conditions

Effective April 1, 2022, we are:

• Amending the terms and conditions so that enrolled charities can benefit from grants made by PayPal Giving Fund Ireland to them as a result of donations from donors in Ireland and other countries.
• Clarifying changes to the terms and conditions to make it easier to follow and include information where you’d naturally look for it.

This Page

This page details updates to PayPal users of changes to the Italy 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:

• Relocating PayPal’s Buyer Protection program and Seller Protection program terms to separate web pages. These program terms were accepted at the time you agreed to the user agreement and remain part of the user agreement. The relocation is intended to make the terms easier to locate and navigate.
• Revising PayPal’s Seller Protection program to clarify that proof of shipment and proof of delivery also must include an online verifiable tracking number.
• Clarifying that abuses of our online dispute resolution process, PayPal's Buyer Protection program, and/or PayPal’s Seller Protection program are restricted activities as defined under the user agreement.
• Clarifying that you will not be charged a Standard Dispute Fee for disputes that have met all requirements of PayPal’s Seller Protection program.
• Clarifying that a Minimum Reserve is also known as an Upfront reserve.
• Introducing 14 additional currencies for withdrawals from a PayPal account and clarifying the minimum and maximum fees that may apply where withdrawal transactions are made in these currencies.
• Changing the additional percentage-based fees for international donations as well as simplifying our market/region country classifications for these fees. The new rates are displayed in the updated Consumer Fee page (please click HERE) and in the updated Merchant Fee page (please click HERE).
• Clarifying that donations sent or received by a merchant are a type of commercial transaction.
• Clarifying the definition of the European Economic Area (EEA) by introducing a list of markets/regions which form part of the EEA.

Review the updated User Agreement

This Page

This page displays policy updates which notify users of important changes to the PayPal Italy 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: November 10, 2021

• We are revising PayPal’s Seller Protection program to clarify eligibility for certain claims involving travel tickets sold by the travel carrier.
• We are requiring sellers who are Corporate Customers to notify us of any pricing errors or discrepancies within sixty (60) days from having access to their account statement(s) or other account activity information.
• We are removing the PayPal Payouts section and replacing it with a standalone agreement called the PayPal Payouts Agreement on the legal hub.
• We are clarifying the types of costs used to calculate the reasonable minimum estimate that we may recover if you engage in any restricted activities.
• We are introducing an additional service fee of 1.29% for some international commercial transactions between the EEA and the UK.
• We are changing the additional percentage-based fees for international commercial transactions as well as simplifying our market/region country classifications for these fees. The fees are changing from the rates shown in the current User Agreement to the new rates shown on the updated Merchant Fee page HERE, which will be effective on November 10, 2021.

To review the updated User Agreement, please click HERE.

Amendments to the PayPal Acceptable Use Policy

• We are revising the policy to clarify that violations may subject you to damages. We are also expanding the existing list of prohibited activities and clarifying the commercial activities requiring approval.

Amendments to the Data Protection Controller Addendum for Direct Card Processing Products

• We have amended the addendum to ensure references to products and services are consistent globally.

Amendments to the PayPal Alternative Payment Methods Agreement

• We are revising the Agreement to prohibit acceptance of payments for certain goods and services.

This Page

This page displays policy updates which notify users of important changes to the PayPal Italy 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 Italy 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

• We are further revising PayPal’s Buyer Protection and Seller Protection to be globally consistent and to further clarify which transactions are eligible for protection.
• We are clarifying how sending or receiving donations are treated.
• We are changing the inactivity fee to be EUR 10.00.
• We are clarifying that you may set the currency on your card.

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

• Please click HERE to view an updated copy of the intended changes.

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.

All changes and updates to the legal agreements are on this 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: December 16, 2020

• Please click HERE to view an updated copy of the intended changes.

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.

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.

Schedule 1: Table of Fees

A3.2. Fees for Withdrawing your Balance

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.

UPDATES TO THE PAYPAL ONLINE CARD PAYMENT SERVICES AGREEMEN

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.

iZETTLE

We have added new terms for our iZettle service to our Legal Agreements page.

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

• Please click HERE to view an updated copy of the intended changes.

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

We have amended the wording in the "Impact of PayPal Buyer Protection on Sellers" sub-section: If you are a seller and lose a claim under PayPal Buyer Protection and the buyer’s claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs.

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.

Introducing the PayPal Business Debit Mastercard Cardholder Agreement

Effective date: September 14, 2020

We are newly introducing the PayPal Business Debit Mastercard Cardholder Agreement.

You can find the PayPal Business Debit Mastercard Cardholder Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on the Italian PayPal site

Updates to the PayPal Online Card Payment Services Agreement

Effective Date: September 14, 2020

You can find the amended PayPal Online Card Payment Services Agreement below the version of that document currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

Amendment to section 2.5 Fixed Fees

We have amended section 2.5 Fixed Fees. The new section reads as follows (with amendments underlined):2.5. Fixed Fees

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

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.

1. New checkout solution

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:

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.

2. Mass Payments

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.

3. Other changes

Sections of the PayPal User Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors.

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

• Please click HERE to view an updated copy of the intended changes.

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 – 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):

“…

…”

2. 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 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:

1. We’ve redesigned the User Agreement to simplify its format, with new colour-coded headings so you can find the information most relevant to your account more easily. We’ve revised and reorganised the content of the User Agreement to be easier to follow and to include information where you’d naturally look for it. We’re not changing the meaning of what we say, only how we say it and where you can find it.

B. An updated User Agreement, will be available after 10 October 2019. Please click HERE to view once available.

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.

1. Annex 1 – APMs

We have amended Annex 1 to introduce Finnish (Verkkopankki), PayU (including Blik where powered by PayU) and Trustly as new APMs.

Please read this document.

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

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

There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.

Notice of amendment to the PayPal Local Payment Methods Agreement.

Effective Date: October 1, 2019

You can find the current PayPal Local Payment Methods Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. Change of name

The PayPal Local Payment Method Agreement is now called the PayPal Alternative Payment Methods Agreement. A Local Payment Method (LPM) is now called an Alternative Payment Method (APM). Corresponding changes have been made to other related terminology and to other agreements to reflect the new terminology.

2. No Seller Protection

We have added a note to section 4 as a reminder that, as already agreed in section 11.10 of the PayPal User Agreement, Seller Protection does not apply to APM payments.

3. Annex 1 – APMs

We have amended Annex 1 as follows:

• to confirm that it is now possible for a merchant to use PayPal to refund the payer of a MyBank payment; and
• to introduce Przelewy24 (P24) as a new APM.

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.

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, 2019

You can find the current 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. Terms of use of our new checkout solution

• We have introduced a fee for receiving American Express Card payments using Custom Card Fields (where we allow you to receive such payments) to section A2.2.2 of Schedule 1.

“…

A2.2.2 Fees for using the new checkout solution

* See the PayPal Online Card Payment Services Agreement (PayPal Hosted Solution and eTerminal 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 Hosted Solution and eTerminal Agreement)

Effective Date: August 19, 2019

You can find the PayPal Online Card Payment Services Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. Fees

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

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

Sections 2.4 and 2.5 now read as follows:

“…

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

The following fees apply to each domestic payment you receive from the following types of cards using the following Products under the Blended Pricing Fee Structure:

On and from June 6, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the PayPal Standard Rate applies.

2. Other changes

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

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

; and

• correct minor typographical errors.

Notice of 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. Refused Transactions and Refunds

We are amending sections 4.6 (Refused Transactions), 5.7 (Your Refund Policy, Data Protection, Privacy Policy and Security) and A3.1.2 in Schedule 1 (Table of Fees) to clarify what happens when a payment is refused or later refunded by the recipient (including where the original payment involved a currency conversion and where a currency conversion (and, in some cases, a currency conversion fee) applies to the returned amount).

Section 4.6 is amended accordingly for payers receiving returned payments and is also renamed “Refused Transactions and Refunds sent by the recipient”..

Section 5.7 is amended accordingly for recipients sending refunds or refusing payments and is also renamed “Refunds, Refused Payments, Your Refund Policy, Data Protection, Privacy Policy and Security” with a new section 5.7.1 (Refunds and Refused Payments) added for the purpose of this clarification.

Section A3.1.2 in Schedule 1 (Table of Fees) is amended accordingly.

Sections 4.6 and 5.7.1 now read as follows (presented in context with their root clauses and with added wording underlined):

“…

4.6 Refused Transactions and Refunds sent by the recipient.

We may allow the recipient of your payment to:

• refuse to accept it; or
• decide to accept it and then use our Service to send you a refund of all or any part of the amount of the payment later.

We will return the amount of any refused payment or refunded payment to your Balance. We will return the amount of an unclaimed payment to your Balance within 30 Days after the date you initiated the payment.

If any amount of any payment is returned to you in any of the ways outlined above, we may convert the returned amount for you into either:

• the currency of the Balance you used for the original payment (before any conversion into the currency received by the recipient happened);
• the original opening currency of your Account; or
• US dollars (opening a Balance in that currency for you, if you don’t have one already).

If the original payment you sent involved a currency conversion we will convert the returned amount from the currency received by the recipient as follows:

• if the amount is returned within 1 day of the date of the original payment, we will use the transaction exchange rate applicable on the date of the original payment, so that you receive the original amount (including the currency conversion fee you paid) in the original currency you converted from for the original payment; and
• if the amount is returned after 1 day of the date of the original payment, we will use the transaction exchange rate applicable at the time of the conversion of the returned amount. See section 8.2 for more information about how we set the transaction exchange rate. Note that, for the purpose of this particular return conversion:

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 the amount is returned to your Balance as outlined above before the payment from your original Funding Source to PayPal to fund your original payment has settled.

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

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

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

…

5.7 Refunds, Refused Payments, Your Refund Policy, Data Protection, Privacy Policy and Security.

5.7.1 Refunds and Refused Payments

If you are the recipient of a payment and we allow you to refuse a payment or send a refund of that payment to the payer:

• you alone are (and PayPal is not) responsible for:
  • your legal and contractual obligations towards the payer for any amount you return to the payer; and
  • any difference between the cost to the payer of making the original payment and the value of the amount returned to the payer (for instance, as a result of transaction exchange rate fluctuations) except to the extent that the refund is a payment executed incorrectly by PayPal (see section 12).

5.7.2 Refund Policy

…

5.7.3 Data Protection and Privacy Policy

…

5.7.4 Security

…

…”

2. Fees for receiving Commercial Transaction payments

We are changing our Commercial Transaction payment Fees as follows:

• The Fee for Receiving Domestic payments (Selling) for users in Italy using the new checkout solution at section A2.2.2 is changed to:
  • 1.20% + Fixed Fee for receiving:
    • payments from cards through Custom Card Fields if you are on the Blended Pricing Fee Structure
    • card-funded payments from users of our Payments without a PayPal account service; and
    • payments from Local Payment Methods;
  • Interchange Fee + 1.20% + Fixed Fee for receiving payments from cards through Custom Card Fields if you are on the Interchange Plus Fee Structure; and
  • 3.40% + Fixed Fee for receiving all other types of payments.
• On and from August 19, 2019 the Merchant rate at section A2.2.3 in Schedule 1 (Table of Fees) no longer applies to any Italian merchant. In place of the Merchant rate, the standard rate of 3.40% + Fixed Fee applies to each to all domestic Commercial Transaction payment received by Italian merchants.
• The additional percentage-based Cross Border Fees set out in the table at section A2.3 of Schedule 1 (Table of Fees) for receiving payments from Northern Europe, US/Canada or Europe II are increasingand are now as follows:

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

Sections A2 and A4.6 of Schedule 1 (Table of Fees) (presented in context with the column headings) now read as follows (with amendments underlined):

“A2. Commercial Transaction payment Fees

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

…

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

…”

3. Withdrawing your Balance

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

• Users in Italy will be charged a fee of 1% of the amount withdrawn to/through a card with a minimum and maximum fee depending on the currency in which the card is denominated.

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

“…

…”

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 Hosted Solution and eTerminal Agreement)

Effective Date: August 19, 2019

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

1. Fees

The fee for as outlined in the PayPal User Agreement now applies to each domestic Standard PayPal Payment you receive, 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 Hosted Solution and eTerminal Agreement ) no longer applies. This means that, in place of the PayPal Merchant Rate:

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

Section 2 (Fees) of the PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement) now reads as follows (with amendments underlined):

“…

2. Fees

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

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

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

2.2 Monthly Fees

2.3 Transaction Fees for Standard PayPal Payments

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

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.

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

The PayPal Standard Rate of 2.5% + Fixed Fee applies to each domestic payment you receive from a card (Visa or MasterCard) 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 0.10% to 2.0%)
+ 2.05%
+ Fixed Fee

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

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

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

2.7 Merchant Rate

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

1. Additional Transaction Fees

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.

1. 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 Hosted Solution, Custom Card Fields and eTerminal. These reports will be downloadable from your PayPal account. The reports do not include any Standard PayPal Payments.

…”

2. Other changes

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

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

; and

• correct minor typographical errors.

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.

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: 21 Oct 2019, 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. Fees – Currency Conversion Fees

We are increasing:

• the Currency Conversion Fee at section A3.1.1 in Schedule 1 (Table of Fees) from 2.5% to 3.0%; and
• the Currency Conversion Fees at section A3.1.2 in Schedule 1 (Table of Fees) from 3.5% to 4.0% for conversions into the following currencies:

• Canadian Dollar (CAD)
• Czech Koruna (CZK)
• Danish Krone (DKK)
• Euro (EUR)
• Hungarian Forint (HUF)
• Norwegian Krone (NOK)
• Polish Zloty (PLN)
• Russian Ruble (RUB)
• Swedish Krona (SEK)
• Swiss Franc (CHF)
• UK Pounds Sterling (GBP)
• US Dollar (USD)

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

…

Please read this document.

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

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

There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.

Notice of amendment to the PayPal User Agreement.

Effective Date: May 29, 2019

You can find the current PayPal User Agreement currently in force 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

We are pleased to tell you that we plan to launch a new checkout solution for sellers in Italy soon. Our new checkout solution consists of the following capabilities:

• our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an Account to send a payment to your Account; and
• our supporting Fraud Tool.

We have added the following new sections to the PayPal User Agreement containing the terms (including fees) which apply if we offer you our new checkout solution and you choose to use it:

• section 5.9 (New checkout solution); and

• section A2.2.2 of Schedule 1 (Fees for using the new checkout solution)

New sections 5.9 and A2.2.2 of Schedule 1 read as follows:

“5.9 New checkout solution

Our new checkout solution consist of:

• our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an Account to send a payment to your; and
• our supporting Fraud Tool.

We may offer you all, any part or any combination of parts of the new checkout solution as our new checkout solution service. If we offer you the new checkout solution service and you choose to use it, in addition to this User Agreement, you agree to the following further terms relating to the following capability:

• the PayPal Local Payment Methods Agreement, when you use our LPM functionality as part of the new checkout solution; and
• the PayPal Online Card Payment Services Agreement (previously the PayPal Hosted Solution and eTerminal Agreement), when you use:
  • our Custom Card Fields service as part of the new checkout solution; and
  • our supporting Fraud Tool (otherwise called the Custom Card Fields Fraud Management Filters functionality or Fraud Tool in that agreement) as part of the new checkout solution.

Fees which may be set out in the PayPal Local Payment Methods Agreement and the PayPal Hosted Solution and eTerminal Agreement do not apply to your use of the new checkout solution. Instead, our Fees for using the new checkout solution at section A2.2.2 in Schedule 1 apply to your use of the new checkout solution.

…

… ”

2. Other changes

Sections of the PayPal User Agreement have been amended:

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

; and

• correct minor typographical errors.

Notice of amendment to the PayPal Hosted Solution and eTerminal Agreement

Effective Date: May 29, 2019

You can find the PayPal Hosted Solution and eTerminal 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 Hosted Solution and eTerminal Agreement. The new name of this agreement is the PayPal Online Card Payment Services Agreement and we will refer to that name instead in the rest of this notice of amendment.

2. Custom Card Fields

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

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

We may offer you the Custom Card Fields Product:

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

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

3. Other changes

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

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

; and

• correct minor typographical errors.

Notice of amendment to the PayPal User Agreement.

Effective Date: August 19, 2019

You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or“Legal Agreements”footer on most PayPal site pages.

1. Refused Transactions and Refunds

We are amending sections 4.6 (Refused Transactions), 5.7 (Your Refund Policy, Data Protection, Privacy Policy and Security) and A3.1.2 in Schedule 1 (Table of Fees) to clarify what happens when a payment is refused or later refunded by the recipient (including where the original payment involved a currency conversion and where a currency conversion (and, in some cases, a currency conversion fee) applies to the returned amount).

Section 4.6 is amended accordingly for payers receiving returned payments and is also renamed “Refused Transactions and Refunds sent by the recipient”..

Section 5.7 is amended accordingly for recipients sending refunds or refusing payments and is also renamed “Refunds, Refused Payments, Your Refund Policy, Data Protection, Privacy Policy and Security” with a new section 5.7.1 (Refunds and Refused Payments) added for the purpose of this clarification.

Section A3.1.2 in Schedule 1 (Table of Fees) is amended accordingly.

Sections 4.6 and 5.7.1 now read as follows (presented in context with their root clauses and with added wording underlined):

“…

4.6 Refused Transactions and Refunds sent by the recipient.

We may allow the recipient of your payment to:

• refuse to accept it; or
• decide to accept it and then use our Service to send you a refund of all or any part of the amount of the payment later.

We will return the amount of any refused payment or refunded payment to your Balance. We will return the amount of an unclaimed payment to your Balance within 30 Days after the date you initiated the payment.

If any amount of any payment is returned to you in any of the ways outlined above, we may convert the returned amount for you into either:

• the currency of the Balance you used for the original payment (before any conversion into the currency received by the recipient happened);
• the original opening currency of your Account; or
• US dollars (opening a Balance in that currency for you, if you don’t have one already).

If the original payment you sent involved a currency conversion we will convert the returned amount from the currency received by the recipient as follows:

• if the amount is returned within 1 day of the date of the original payment, we will use the transaction exchange rate applicable on the date of the original payment, so that you receive the original amount (including the currency conversion fee you paid) in the original currency you converted from for the original payment; and
• if the amount is returned after 1 day of the date of the original payment, we will use the transaction exchange rate applicable at the time of the conversion of the returned amount. See section 8.2 for more information about how we set the transaction exchange rate. Note that, for the purpose of this particular return conversion:

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 the amount is returned to your Balance as outlined above before the payment from your original Funding Source to PayPal to fund your original payment has settled.

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

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

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

…

5.7 Refunds, Refused Payments, Your Refund Policy, Data Protection, Privacy Policy and Security.

5.7.1 Refunds and Refused Payments

If you are the recipient of a payment and we allow you to refuse a payment or send a refund of that payment to the payer:

• you alone are (and PayPal is not) responsible for:
  • your legal and contractual obligations towards the payer for any amount you return to the payer; and
  • any difference between the cost to the payer of making the original payment and the value of the amount returned to the payer (for instance, as a result of transaction exchange rate fluctuations) except to the extent that the refund is a payment executed incorrectly by PayPal (see section 12).

5.7.2 Refund Policy

…

5.7.3 Data Protection and Privacy Policy

…

5.7.4 Security

…

…”

2. Fees for receiving Commercial Transaction payments

We are changing our Commercial Transaction payment Fees as follows:

• The Fee for Receiving Domestic payments (Selling) for users in Italy using the new checkout solution at section A2.2.2 is changed to:
  • 1.20% + Fixed Fee for receiving:
    • payments from cards through Custom Card Fields if you are on the Blended Pricing Fee Structure
    • card-funded payments from users of our Payments without a PayPal account service; and
    • payments from Local Payment Methods;
  • Interchange Fee + 1.20% + Fixed Fee for receiving payments from cards through Custom Card Fields if you are on the Interchange Plus Fee Structure; and
  • 3.40% + Fixed Fee for receiving all other types of payments.
• On and from August 19, 2019 the Merchant rate at section A2.2.3 in Schedule 1 (Table of Fees) no longer applies to any Italian merchant. In place of the Merchant rate, the standard rate of 3.40% + Fixed Fee applies to each to all domestic Commercial Transaction payment received by Italian merchants.
• The additional percentage-based Cross Border Fees set out in the table at section A2.3 of Schedule 1 (Table of Fees) for receiving payments from Northern Europe, US/Canada or Europe II are increasingand are now as follows:

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

Sections A2 and A4.6 of Schedule 1 (Table of Fees) (presented in context with the column headings) now read as follows (with amendments underlined):

“A2. Commercial Transaction payment Fees

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

…

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

…”

3. Withdrawing your Balance

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

• Users in Italy will be charged a fee of 1% of the amount withdrawn to/through a card with a minimum and maximum fee depending on the currency in which the card is denominated.

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

“…

…”

7. Other changes

Notice of amendment to the PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement)

Effective Date: August 19, 2019

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

1. Fees

The fee for as outlined in the PayPal User Agreement now applies to each domestic Standard PayPal Payment you receive, 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 Hosted Solution and eTerminal Agreement ) no longer applies. This means that, in place of the PayPal Merchant Rate:

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

Section 2 (Fees) of the PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement) now reads as follows (with amendments underlined):

“…

2. Fees

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

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

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

2.2 Monthly Fees

2.3 Transaction Fees for Standard PayPal Payments

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

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.

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

The PayPal Standard Rate of 2.5% + Fixed Fee applies to each domestic payment you receive from a card (Visa or MasterCard) 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 0.10% to 2.0%)
+ 2.05%
+ Fixed Fee

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

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

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

2.7 Merchant Rate

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

1. Additional Transaction Fees

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.

1. 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 Hosted Solution, Custom Card Fields and eTerminal. These reports will be downloadable from your PayPal account. The reports do not include any Standard PayPal Payments.

…”

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.

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.

Notice of amendment to the PayPal User Agreement.

Effective Date: January 30, 2019

You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

Sections of the PayPal User Agreement have been amended:

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

; and

• correct minor typographical errors.

Notice of amendment to the PayPal User Agreement.

Effective Date: April 29, 2019

You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. 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.”

2. Other changes

Sections of the PayPal User Agreement have been amended to clarify existing wording and correct minor typographical errors. For instance, we don’t support payments in Indian Rupee, so all remaining references to Indian Rupee have been removed to clarify this point.”

Notice of amendment to the PayPal Privacy Statement

We’re making changes to the Privacy Statement that provides information on how we use your data.

We've provided additional details on how we use data when you transact with your friends, as well as more information on how we use data to prevent fraud and risk.

You can review the changes and the current Privacy Statement here.