Last updated on 8 July 2024
Last updated on 8 July 2024
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
This page details and/or previews updates to PayPal users of changes to the Luxembourg PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarise yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the User Agreement.
Notices
Issued: 28 March 2024
Removal of SOFORT as an alternative payment method and deletion of related terms
Effective: 28 May 2024
Issued: 11 March 2024
Amendments to the Privacy Statement for PayPal Services
Effective 15 April, 2024:
Issued: 21 February 2024
Amendments to the PayPal User Agreement
Effective 28 May, 2024:
Review the updated PayPal User Agreement
Amendments to the PayPal Buyer Protection Program
Effective 28 May, 2024:
Review the updated PayPal Buyer Protection Program
Amendments to the Seller Protection Program
Effective 28 May, 2024:
This Page
This page details and/or previews updates to PayPal users of changes to the Luxembourg 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:
Review the updated PayPal User Agreement
Amendments to PayPal’s Seller Protection Program
Effective 16 January 2024:
Review the updated Seller Protection Program
Amendments to the PayPal Payouts Terms and Conditions
Effective 16 January 2024:
Review the updated PayPal Payouts Terms and Conditions
Amendments to the PayPal Online Card Payment Services Agreement
Effective 16 January 2024:
Review the updated PayPal Online Card Payment Services Agreement
Review the updated Merchant fee page
Amendments to the Luxembourg Cryptocurrency Terms and Conditions
Effective 19 October 2023:
Effective 16 January 2024 we are:
This Page
This page details and/or previews updates to PayPal users of changes to the Luxembourg 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 19 October 2023:
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:
Review the updated PayPal Online Card Payment Services Agreement
This Page
This page details and/or previews updates to PayPal users of changes to the Luxembourg PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take effect on the effective date(s) shown below.
Actions Needed
Please carefully review the notice below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you.
If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.
Amendments to the PayPal User Agreement
We are deleting from the section in the User Agreement headed “Actions We May Take if You Engage in Any Restricted Activities” the provision under which, if you use your PayPal account primarily for the purposes of your trade, business, craft or profession and you violate the Acceptable Use Policy, PayPal may deduct from any PayPal account you control the sum of USD 2,500 (or the prevailing equivalent in the currency of the country in which you reside) per violation of the Acceptable Use Policy (the Clause). We are also deleting references to this Clause in the corresponding heading and removing unnecessary wording relating to damages. These deletions will take effect on 17 July, 2023. In the meantime, for any new claims PayPal may have arising after the date of this notice under the Clause, we will not enforce our rights under such provisions.
Review the updated PayPal User Agreement
Amendments to the PayPal Alternative Payment Methods Agreement
Effective 7 August, 2023
Review the updated PayPal Alternative Payment Methods Agreement
This Page
This page details and/or previews updates to PayPal users of changes to the Luxembourg PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.
Amendments to the PayPal User Agreement
Effective October 31, 2022:
This Page
This page details and/or previews updates to PayPal users of changes to the Luxembourg PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.
Amendments to the PayPal User Agreement
Effective August 1, 2022 we are clarifying:
Review the updated User Agreement.
Important notice to all EU and UK customers
As part of PayPal’s continued efforts to manage some necessary changes arising from the United Kingdom’s exit from the European Union, we will be withdrawing from the UK Financial Ombudsman Service’s (FOS) Voluntary Jurisdiction on 1st December 2022. Due to changes to UK rules, since 1st January 2021, we have been, and continue to be, subject to the Compulsory Jurisdiction of the FOS for complaints from certain UK customers (consumers and certain smaller businesses that qualify as a micro-enterprise, small business, charity, trustee or guarantor) about events occurring on or after this date and these customers continue to have the right to refer their complaint to the FOS.
Where you have a complaint that relates to an event that occurred before 1st January 2021, and you are dissatisfied with how PayPal has resolved that complaint in our final response, then you must refer that complaint to the FOS before 1st December 2022.
Introduction of PayPal Generosity Network Terms and Conditions
Effective August 1, 2022 we are:
Introducing terms and corresponding fees for the PayPal Generosity Network.
Review the PayPal Generosity Network Terms
Review the updated Consumer Fees.
Review the updated Merchant Fees.
Updates to your SEPA Direct Debit Mandate
Effective: 31 May 2022
We are updating your SEPA Direct Debit Mandate by including a field known as “Type of Payment” and listing this as “Recurrent”, which is consistent with the User Agreement in which you provide us with continuous authority when linking a bank account as a funding source to your PayPal account. We will also be updating your SEPA Direct Debit Mandate by including your address.
You will continue to enjoy the benefits of using a SEPA Direct Debit mandate as usual. Please be assured this update will not affect the service you receive in any way.
This Page
This page details and/or previews updates to PayPal users of changes to the Luxembourg 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.
Amendments to the PayPal User Agreement
Effective May 6, 2022 we are:
Review the updated User Agreement.
Review the updated Seller Protection program.
Amendments to all applicable Legal Agreements
Effective May 6, 2022 we are:
Amendments to the Privacy Statement
Effective May 6, 2022 we are:
Review the updated Privacy Statement
Amendments to the PayPal Online Card Payment Services Agreement:
Effective May 6, 2022 we are:
Review the updated PayPal Online Card Payment Services Agreement
Amendments to the PayPal Partner Fundraising Program Terms and Conditions
Effective April 1, 2022, we are:
This Page
This page details updates to PayPal users of changes to the Luxembourg 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:
Review the updated User Agreement
Review the updated Consumer Fee page and Merchant Fee page
This Page
This page displays policy updates which notify users of important changes to the PayPal Luxembourg User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.
Amendments to the PayPal User Agreement
Effective: November 10, 2021
To review the updated User Agreement, please click HERE.
Amendments to the PayPal Acceptable Use Policy
Amendments to the Data Protection Controller Addendum for Direct Card Processing Products
Amendments to the PayPal Alternative Payment Methods Agreement
This Page
This page displays policy updates which notify users of important changes to the PayPal Luxembourg 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 Luxembourg User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.
Amendments to the PayPal User Agreement
Effective: July 30 2021
To review the updated User Agreement, please click HERE.
Amendments to the Terms of use for Money Pools
We have amended the terms of use for Money Pools to reflect that existing pools will no longer be maintained in the event the Money Pools services is deprecated.
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on
April 30, 2021.
In the event you would prefer to decline these changes and close your account, you can do so prior to April 30, 2021 without incurring any additional charges.
Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not highlighted in this document. This does also apply where we have corrected or standardized references.
UPDATES TO THE PAYPAL USER AGREEMENT
Effective date: April 30, 2021
You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
About Your Account – Welcome to PayPal!
We have clarifying wording that our user agreement does not apply to the Xoom services, which are governed by the separate Xoom Legal Agreements.
Making A Payment – PayPal Buyer Protection – Ineligible items and transactions under PayPal Buyer Protection
In this section, we have re-arranged and standardized our list of ineligible items and transactions.
Receiving Payments – PayPal Seller Protection – What's eligible
We have added wording on already shipped physical items or provided intangible goods for clarification.
Receiving Payments – PayPal Seller Protection – Basic requirements
We have added a new second bullet point regarding unauthorized transaction claims.
Receiving Payments – PayPal Seller Protection – Ineligible items and transactions
We have changed and globally standardized our list of items and transactions ineligible for PayPal Seller Protection.
Other Legal Terms – Miscellaneous – Your use (as a seller) of personal data; Data protection laws
We have renamed this section and re-worded it to more specifically reflect on sellers' use of personal data.
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on
December 16, 2020.
In the event you would prefer to decline these changes and close your account, you can do so prior to December 16, 2020 without incurring any additional charges.
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: December 16, 2020
You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
About Your Account – Opening an Account – Commercial Entity Status
We have amended the wording in the section to reflect that upon reaching certain thresholds or involving certain business segments or activities, the Commercial Entity Agreements can apply to any type of PayPal account you hold.
About Your Account – Opening an Account – Safe use of your PayPal account
In this section, we have added the requirement to keep the number of a phone to which you are the primary user current in your PayPal account profile.
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.
Other Legal Terms – Our Rights – Inactivity Fee
We are establishing an inactivity fee for accounts that have been inactive for at least 12 consecutive months.
Schedule 1: Table of Fees
A.2.2.3 Merchant rate
We have removed the references to Merchant Rate and the corresponding table on the fee applicable per payment based on the Commercial transactions volume processed by the Merchant in the previous calendar month.
All references of the Merchant Rate in the User Agreement have been consequently removed.
A.3.2. 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.
A3.11 Inactive PayPal accounts
We have added a new section A3.11 dealing with the newly introduced inactivity fee.
UPDATES TO THE PAYPAL ONLINE CARD PAYMENT SERVICES AGREEMENT
4. Information Security; Data Protection; Data Portability
We have amended section 4.6. to talk about a Data Protection Addendum rather than a schedule (as a result, Schedule 2 has been removed) and we have added a new section 4.7. on Data Portability.
UPDATES TO THE COMMERCIAL ENTITY AGREEMENT
We have removed the limitation to PayPal Premier or Business Accounts from the first paragraph of the Commercial Entity Agreement.
UPDATES TO THE PRIVACY STATEMENT
We are updating our data processing terms to reflect that PayPal is a data controller for payment processing and fraud services.
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
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.
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:
Current name New name
Current name | New name |
Custom Card Fields | Advanced Credit and Debit Card Payments |
Fraud Tool / Custom Card Fields Fraud Management Filters | Fraud Protection |
Custom Card Fields API | Advanced Credit and Debit Card Payments API |
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.
Updates to the PayPal Online Card Payment Services Agreement
Effective Date: March 19, 2020
You can find the current PayPal Online Card Payment Services Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Changes of names of various products and functionalities
On and from the Effective Date, we will alternatively refer to the following products/functionalities by their new names on our website and other written materials:
Current name | New name |
Custom Card Fields | Advanced Credit and Debit Card Payments |
Fraud Tool / Custom Card Fields Fraud Management Filters | Fraud Protection |
Custom Card Fields API | Advanced Credit and Debit Card Payments API |
2. Other changes
Sections of the PayPal Online Card Payment Services Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors.
Updates to the User Agreement
Effective Date: June 16, 2020
You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Actions We May Take If You Engage In Any Restricted Activities - Violations of the Acceptable Use Policy (new section)
We have added a new section which sets out our rights to deduct amounts in respect of damages which arise when you use your PayPal account primarily for the purposes of your trade, business, craft or profession and you violate the Acceptable Use Policy. The new section reads as follows (shown with headings of the root clauses for context and abridged for brevity, with amendments underlined):
“…
Restricted Activities And Holds
…
Actions We May Take if You Engage in Any Restricted Activities
…
If you use your PayPal account primarily for the purposes of your trade, business, craft or profession and you violate the Acceptable Use Policy, then:
PayPal may deduct such damages directly from any existing balance in any PayPal account you control.
…”
2. Other Legal Terms – Our Rights – Information About You
We have amended the section headed “Other Legal Terms – Our Rights – Information About You” to clarify your obligations to provide PayPal with information about you to facilitate our actions described in the user agreement, enable us to reduce the risk of fraud or comply with our regulatory (including anti-money laundering) obligations. The section headed “Other Legal Terms – Our Rights – Information About You” now reads as follows (shown with headings of the root clauses for context, with amendments underlined):
“…
Other Legal Terms
…
Our Rights
…
Information About You
We may request information from you as we reasonably require to facilitate our actions described in this user agreement, enable us to reduce the risk of fraud or comply with our regulatory (including anti-money laundering) obligations. You must comply with these requests in a timely fashion. This may involve you faxing, emailing or otherwise providing to us at your own expense identification documents and information about your finance and operations (such as your most recent financial statements and merchant processing statements).
…”
3. Fees – Commercial Transaction Refunds
As a reminder (as notified on January 2, 2020) section A3.4 (Commercial Transaction Refunds) of Schedule 1 (Table of Fees) was amended on March 5, 2020 to clarify that, if you carry out a refund of a Commercial Transaction payment, all of the fees originally paid by you to receive the payment will not be returned to you. The amendment to section A3.4 (Commercial Transaction Refunds) of Schedule 1 (Table of Fees) which took effect on March 5, 2020 will continue to read and be applied on and after the Effective Date.
4. Other changes
Sections of the PayPal User Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors including the following existing sections:
Section | Amendment |
About Your Account – Welcome to PayPal! (last paragraph) | The reference to “60 days” has changed to “two months”. |
About Your Account – Closing Your PayPal Account (last paragraph) | The reference to “60 days” has changed to “two months”. |
Updates to the PayPal Online Card Payment Services Agreement
Effective Date: June 16, 2020
You can find the amended PayPal Online Card Payment Services Agreement below the version of that document currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Vaulting Tool
We are pleased to introduce our new Vaulting Tool. We have added new section 7.2 (Vaulting Tool) and updated section 10 (Definitions) with terms specific to the new Vaulting Tool.
2. Account Updater Service
We are also pleased to introduce our new Account Updater Service. We have added new section 7.3 (Account Updater Service) and updated section 10 (Definitions) with terms specific to the new Account Updater Service.
3. Scope of Products
We have amended the section headed “About this Agreement” and section 10 (Definitions) to clarify that:
The section headed “About this Agreement” and the relevant parts of section 10 now read as follows (abridged for brevity and shown with headings of the root clauses for context, with amendments underlined):
About this Agreement
By integrating or using the Product and the Online Card Payment Service you agree to be bound by the terms of this Agreement. If you are offered and choose to use any Product, Online Card Payment Service or functionality (including technology) mentioned in this Agreement, the terms in this Agreement relating to that Product, Online Card Payment Service or functionality apply.
The Product is the following:
The Product includes one or more Online Card Payment Services. The Online Card Payment Services are:
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.
Updates to the User Agreement
Effective Date: March 5, 2020
You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Fees – 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):
“…
A3.4 Commercial Transaction Refunds | If you refund a Commercial Transaction payment, there are no fees to make the refund, but the fees you originally paid to receive the payment are not returned to you. |
…”
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:
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.
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.
The PayPal Local Payment Method Agreement is now called the PayPal Alternative Payment Methods Agreement. A Local Payment Method (LPM) is now called an Alternative Payment Method (APM). Corresponding changes have been made to other related terminology and to other agreements to reflect the new terminology.
We have added a note to section 4 as a reminder that, as already agreed in section 11.10 of the PayPal User Agreement, Seller Protection does not apply to APM payments.
We have amended Annex 1 as follows:
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
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.
We have added the following new sections to the PayPal User Agreement containing the terms (including fees) which apply if we offer you our new checkout solution and you choose to use it:
New sections 5.9 and A2.2.2 of Schedule 1 read as follows:
“…
5.9 New checkout solution
Our new checkout solution consists of:
We may offer you all, any part or any combination of parts of the new checkout solution as our new checkout solution service. If we offer you the new checkout solution service and you choose to use it, in addition to this User Agreement, you agree to the following further terms relating to the following capabilities:
Fees which may be set out in the PayPal Local Payment Methods Agreement and the PayPal Online Card Payment Services Agreement do not apply to your use of the new checkout solution. Instead, our Fees for using the new checkout solution at section A2.2.2 in Schedule 1 apply to your use of the new checkout solution.
…
A2.2.2 Fees for using the new checkout solution
| Payments from cards (Visa or Mastercard) using Custom Card Fields* | Card-funded payments from users of our Terms for Payments without a PayPal Account service | Payments from Local Payment Methods | Other payments | |
Blended Pricing Fee Structure | Interchange Plus Fee Structure
| ||||
Fee | 1.80% + Fixed Fee | Interchange Fee + 1.80% + Fixed Fee | 1.80% + Fixed Fee | 1.80% + Fixed Fee | Refer to Standard rate section (A2.2.1) and Merchant Rate section (A2.2.3) |
* See the PayPal Online Card Payment Services Agreement for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices.
…”
Notice of publication of the new PayPal Online Card Payment Services Agreement
Effective Date: August 19, 2019
We have published a new PayPal Online Card Payment Services Agreement for sellers in the Netherlands who integrate or use Custom Card Fields and the Custom Card Fields API.
You can find the PayPal Online Card Payment Services Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
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 October, 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:
…
Activity or Event | Fee |
A3.1 Currency Conversion | A3.1.1 For currency conversions of amounts in your PayPal account that do not form part of specific transaction into or out of your account (e.g. converting your balance to another currency) and for transactions involving a currency conversion for which the seller has agreed to bear the conversion fee:
|
…
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.
Notice of amendment to the PayPal User Agreement.
Effective Date: May 29, 2019
You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or“Legal Agreements”footer on most PayPal site pages.
Sections of the PayPal User Agreement have been amended:
Section | Amendment |
8.2 Currency Conversion | The last four paragraphs of this section become new section 8.3 (Currency Conversion Choices). |
; and
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 applies to the returned amount).
Section 4.6 is amended accordingly for payers receiving returned payments and is also renamed “Refused Transactions and Refunds sent by the recipient.”.
Section 5.7 is amended accordingly for recipients sending refunds or refusing payments and is also renamed “Refunds, Refused Payments, Your Refund Policy, Data Protection, Privacy Policy and Security” with a new section 5.7.1 (Refunds and Refused Payments) added for the purpose of this clarification.
Section A3.1.2 in Schedule 1 (Table of Fees) is amended accordingly.
Sections 4.6 and 5.7.1 now read as follows (presented in context with their root clauses and with added wording underlined):
“…
4.6 Refused Transactions and Refunds sent by the recipient.
We may allow the recipient of your payment to:
We will return the amount of any refused payment or refunded payment to your Balance. We will return the amount of an unclaimed payment to your Balance within 30 Days after the date you initiated the payment.
If any amount of any payment is returned to you in any of the ways outlined above, we may convert the returned amount for you into either:
If the original payment you sent involved a currency conversion we will convert the returned amount from the currency received by the recipient as follows:
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:
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
5.7.2 Refund Policy
…
5.7.3 Data Protection and Privacy Policy
…
5.7.4 Security
…
A3.1 Currency Conversion | …
|
…”
2. Fees for receiving Commercial Transaction payments
We are The additional percentage-based Cross Border Fees set out in the table at section A2.3 of Schedule 1 (Table of Fees) for receiving payments from Northern Europe, US/Canada or Europe II are increasing and are now as follows:
Sender’s country | Cross Border Fee |
|
Northern Europe | 0.5% |
|
US / Canada | 2.0% |
|
Europe II | 2.0% |
|
Sections A2.3of Schedule 1 (Table of Fees) (presented in context with the column headings) now read as follows (with amendments underlined):
“A2. Commercial Transaction payment Fees
…
A2.3Receiving Cross Border payments (Selling)
A2.3 Receiving Cross Border payments (Selling) | The Fee for Receiving Domestic Commercial Transaction payments applies plus an additional percentage-based Cross Border Fee as set out in the table below (depending on the sender’s country).
Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA will be treated as Domestic Commercial Transaction payments for the purpose of applying Fees. |
3. Other changes
Sections of the PayPal User Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors.
Notice of amendment to the PayPal User Agreement.
Effective Date: September 16, 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.
We’re excited to let you know that we’ll be unveiling an entirely redesigned User Agreement. 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.
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.
We’ll let you know soon when you can review the redesigned User Agreement.
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review this notice to familiarise yourself with the changes that are being made.
You do not need to do anything to accept the changes as they will automatically come into effect on the Effective Dates shown below. Should you decide you do not wish to accept them you can notify us before the Effective Date or any time after that to close your account immediately without incurring any additional charges.
Please review the current Legal Agreements in effect.
Notice of amendment to the Commercial Entity Agreement For PayPal Payment Card Funded Processing Services (Worldpay)
Effective Date: March 13, 2019
This notice applies only if you have accepted the terms and conditions of the Commercial Entity Agreements, (typically if you are a User receiving card-funded payments for commercial transactions, like a merchant).
Although PayPal is not a party to the Commercial Entity Agreements, these agreements affect how you receive card-funded payments using PayPal’s services. They are your direct agreements with PayPal’s banking partners, who enable you to receive card-funded PayPal payments.
The Commercial Entity Agreements apply to merchants across the world – this means that not all of the changes to these agreements affect merchants resident in Europe. We have given notice only of the changes that affect merchants resident in Europe.
You can find the amended Commercial Entity Agreements below the version of those agreements currently in force by clicking here or accessing them via the “Legal” or “Legal Agreements” footer on most pages on the PayPal site.
1. Globalpay Commercial Entity Agreement for Credit Card Processing Services (formerly the HSBC Bank Commercial Entity Agreement for Credit Card Processing Services)
Until the Effective Date, your agreement is with GPUK LLP as Member and Processor in respect of card processing services provided to you under the agreement. On and from the Effective Date, your agreement is with GPUK LLP, Global Payments Europe s.r.o., a limited company in the Czech Republic, or Global Payments Limited, a limited company in Malta, each as a Member and Processor in respect of card processing services provided to you under the agreement. You do not need to do anything to accept the change.
The agreement has also been amended to clarify existing wording and correct minor typographical errors.
For information only, the agreement is also amended for merchants based outside of Europe – merchants based in Europe are not affected by these particular amendments.
2. Commercial Entity Agreement For PayPal Payment Card Funded Processing Services (WorldPay)
Until the Effective Date, your agreement is with Worldpay (UK) Limited as Acquirer in respect of card processing services provided to you under the agreement. On and from the Effective Date, your agreement is with Worldpay (UK) Limited and/or Worldpay B.V. as Acquirer. You do not need to do anything to accept the change.
The agreement has also been amended to clarify existing wording and correct minor typographical errors.
Notice of amendment to the PayPal User Agreement.
Effective Date: February 27, 2019
1. Notice of changes to the Fees for Cross Border Personal Transaction payments sent by Users with their registered address in Ireland
This notice is made in accordance with section A1.2.2.2 of Schedule 1 of the PayPal User Agreement.
With effect on and from February 27, 2019, if you are a User with your registered address in Ireland, the Fees set out in current section A1.2.2.3 shall apply to you instead of the Fees set out in current section A1.2.2.2. Section A1.2.2.2. of the PayPal User Agreement has been amended accordingly and will eventually be deleted, so that current section A1.2.2.3 will become new section A1.2.2.2.
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 (https://www.paypal.com/lu/cgi-bin/?&cmd=_close-account) immediately without incurring any additional charges.
Please review the current Legal Agreements in effect
Notice of amendment to the PayPal User Agreement.
Effective Date: January 30, 2019
You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
Sections of the PayPal User Agreement have been amended:
Section | Amendment |
Section 2.6 (Balances in Multiple Currencies) | This section is amended to further clarify how PayPal may allow you to convert money in your Balance into a Balance in another currency. |
Section 5 (Receiving Money) | The start of this Section is amended to further clarify how further terms of use apply to merchants when they have integrated into their online checkout/platform any functionality intended to enable a customer without an Account to send a payment to the merchant’s Account (for instance, using alternative local payment methods).
See also the reminder in respect of local payment methods (LPMs) in the Notice of amendment to the PayPal User Agreement with effective date April 29, 2019 below. |
Section 5.5 (Receiving Money in different currencies.) | This Section is amended to further clarify what PayPal may allow you to do when you receive money in different currencies. |
; and
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 and reorganise existing wording and correct minor typographical errors.
Notice of amendment to the PayPal Privacy Statement
We’re making changes to the Privacy Statement that provides information on how we use your data.
We've provided additional details on how we use data when you transact with your friends, as well as more information on how we use data to prevent fraud and risk.
You can review the changes and the current Privacy Statement here.