Linking Credit or Debit Cards to Your PayPal Account
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 cardIf 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 card. Once 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 linked, it’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.
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- 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:
- Go to Money.  >
- Click Payment preferences.  >
- Click the payment method you would like to make your preferred payment method.  >
- 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.
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.