Linking Credit or Debit Cards to Your PayPal Account

Feb 20 2020 | PayPal editorial staff

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

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

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

Linking your credit or debit card

If you haven’t already linked your credit or debit card while signing up, you can do it at any time from your personal account.  

STEP 1: Link from your PayPal payment dashboard 

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

STEP 2: Verify your credit or debit card details 

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

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

STEP 3: Add new credit or debit card

Using PayPal doesn’t mean you lose out on card perks. In fact, your account allows you to pick and choose the card that gives you the preferred reward points, miles and cashbacks. All you need to do is link each card once to have the choice of checking out with it when shopping online. So go ahead and link more credit or debit cards to your PayPal account to have all your rewards at hand. 

Removing a Credit or Debit card

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

What to do next 

Now that you have your credit or debit card successfully linkedit’s time to shop on more stores all around the world. Don’t forget, you can be covered with our Buyer Protection when you checkout with PayPal, and enjoy free return shipping for eligible items*. You can also withdraw the payments you receive from others to your linked cards or bank account 

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

Frequently asked questions.

The PayPal Developer Portal offers support for developers who have questions about technical topics, such as APIs or integration. Below is a list of common topics searched for by developers. You can also browse and search on the Developer Portal for additional topics.

Account Authentication
Information about validating your visitor's PayPal account.

Encrypted Website Payments
To make online payments more secure, you can make Encrypted Website Payment buttons that rely on standard public key encryption for protection.

Identity API
PayPal offers a secure commerce Identity API that lets your customers sign in to your web site using their PayPal credentials.

Instant Payment Notification
Instant Payment Notification is a message service that automatically notifies merchants of events related to PayPal transactions.

Merchants, developers, and business solution providers use Invoicing APIs to automate the creation, delivery, tracking, and reconciliation of invoices with an integrated payments solution.

Mobile SDK
Accept PayPal, credit cards and other payments methods through mobile apps.

Name-Value Pair (NVP) API
Information and support on name value pairs and NVP SDKs.

PayPal Checkout
PayPal Checkout gives your buyers a simplified and secure checkout experience that keeps them local to your website or mobile app throughout the payment process.

Payflow Gateway
Payflow Pro is a high performance TCP/IP-based client-server architecture solution. It includes a secure payment gateway that gives merchants total control over the payment process.

PayPal Sandbox Support
Information and support for users testing in the PayPal Sandbox environment.

PayPal Shopping Cart
The PayPal Shopping Cart system allows buyers to select multiple items on your website and pay for them with a single payment.

Permissions Service API
PayPal's permissions service enables you to request and obtain authorization to make API calls and take action on behalf of your customers.

The PayPal SOAP API is based on open standards known collectively as web services, which include the Simple Object Access Protocol (SOAP), Web Services Definition Language (WSDL), and the XML Schema Definition language (XSD).

Testing Your Apps in Sandbox
A guide for developers testing their apps in the PayPal Sandbox environment.

Virtual Terminal
Information about PayPal's Virtual Terminal - a web-based application that processes credit and debit cards, replacing swipe machines.

Website Payments Pro
PayPal's Website Payments Pro is an API-based solution that enables merchants and developers to accept credit cards, debit cards, and PayPal payments directly on their website.

PayPal Payments Standard
You can accept credit cards online easily and offers a streamlined checkout experience to customers using mobile devices.
You can send money using one of the following payment methods:
  • Balance – a payment funded from the PayPal account balance will be quickly credited to the recipient's PayPal account balance. You can top up your balance by adding funds from a bank account or by receiving a payment. 
  • Debit or credit card – payment made using a debit or credit card will be quickly credited to the recipient's PayPal account balance.

You can select and change your preferred way to pay online whenever you want. Here's how:

  1. Go to Money.
  2. Click Payment preferences.
  3. Click the payment method you would like to make your preferred payment method.
  4. Click Confirm.

You need to link a card or link a bank to your account before you can select it as a preferred way to pay.

Changing your preferred payment method won't affect billing agreements, subscriptions, or recurring payments. 

PayPal is the safer, easier way to pay. You can use your credit card or bank account without exposing your account numbers. You can link your credit card or bank account to your PayPal account so you don't have to enter your card number or address everywhere you shop. Just log in to PayPal and quickly check out in a few clicks.

Accepting PayPal may attract more buyers, including new customers from different parts of the world where we offer our services. Buyers can be confident that they will be able to purchase from you without sharing their financial information. As a seller, you can trust that our advanced technologies will help make processing payments safer for you.

If you are a merchant, by accepting PayPal as a payment method, you can attract more buyers, including new customers from different parts of the world where we offer our services. Buyers can rest assured that they can buy their items without sharing their financial information. As a seller, you can trust that our advanced technologies will make payment processing safer for you.

To help protect your account, PayPal uses a complex screening process for credit card payments. This helps prevent lost or stolen cards from being used for unauthorized transactions. On rare occasions, the screening process affects valid cards.

A credit card might also be denied if:

  • The card issuer is having technical problems that prevent authorization of a transaction.
  • The card issuer sees a charge that doesn’t fit your normal spending patterns and blocks the transaction to protect you.
  • You’ve inadvertently exceeded the limit on your card.

If you know that your credit card is valid but your payment doesn’t go through, you might want to:

  • Contact your credit card issuer directly. Ask why your card was declined, and whether you can still use it. If you can still use your card, please try your transaction again.
  • Pay securely online using your bank account. You can link your bank account to your PayPal account in just a few minutes. The merchant never sees your financial or other personal information.
  • Link a different credit card to your PayPal account.
The contents of this site are provided for informational purposes only. The information in this article does not constitute legal, financial, IT, business or investment advice of any kind and is not a substitute for any professional advice. You should always obtain independent, professional accounting, financial, IT and legal advice before making any business decision.