PayPal.Me and how it works

Feb 20 2020 | PayPal editorial team

Get a personalized link you can share with anyone to get paid.
Whether it’s for a freelance gig, a small business or your own personal use, PayPal.Me is quicker way for you to get paid. All you need to do is share your personalized PayPal.Me link via an email, a text message, a chat or even your business card and anyone with a PayPal account can pay you.  

What is PayPal.Me 
PayPal.Me is a personalized link that’s connected to your PayPal account. All you need to do is customize a link that’s unique to you or your business and share it to get paid. What this means is you can skip all the hassle of setting up a bank transfer and get paid on the spot while enjoying all the security that comes with PayPal.  

How PayPal.Me works 

Step 1:
Log in to your PayPal Account. 

Step 2:  
Add a logo or picture about yourself/your business.

Step 3:
Create a customized link unique to you.  

Step 4:  
Your PayPal.Me link is done and ready to be shared with your customers. 

And that’s really all there is to it! Now that your personalized link is done, you can just share it with your customers or friends to get paid.  

Don’t have an account? Sign up now. 

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.

Getting paid is easy! Just share your PayPal.Me link. Text it. Tweet it. Post it to your blog or Facebook page. Email it to your mom. Your friends can then click, type, or tap on your link and pay you back.

Who can I request money from?
As long as PayPal.Me is available in their country, anyone can send you money through your PayPal.Me link, and even set up their own PayPal account if they need to. 

Does it cost me anything to receive money?
If you have a PayPal Business account or the person paying you opts for PayPal Purchase Protection – the payment is a “Goods and Services” payment. That means you’ll pay the standard PayPal fee (2.9% + $0.30).

If you receive a lot of payments from other countries, take a minute to look at our fees since the amount can vary from country to country based on their local policies.

When I get paid using PayPal.Me, where does the money go?
As soon as you receive a payment, it goes into your PayPal balance. You can use the money to buy things online or in stores, or send money to friends. If you have your bank account linked to PayPal, you can transfer the funds to your bank.

Does it cost anything to transfer money from PayPal to my bank?
You can transfer money from your PayPal account to your bank account for free. If you want to receive a check instead, there is a $1.50 fee.

Can I send more than one request at a time?
Sure, there’s no limit on how many requests you can send. Just share your link. That’s it. We handle, literally, millions of transactions a day. We’ve got you covered.

How do I request a specific amount?
Just add the amount you want to request to the end of your link. For example, use PayPal.Me/DiaRusso/25 to request $25.00. The request will be made in your default currency, which you can change at anytime in your PayPal account settings.

You can request a specific currency by adding the currency code to the amount. So to ask for Australian Dollars, for example, you would use PayPal.Me/DiaRusso/25AUD.

NOTE: Some countries have limits on the currencies that can be sent, so check with the sender that they can send you money in the currency you want.

We support crowdfunding by offering a more convenient and secure way to accept payments, helping you make your idea a reality.

We do all the following to help you have a successful campaign:
  • Engage you early in the process.  
  • Provide you with upfront guidelines and expectations. 
  • Offer a flexible, safer, and more secure payment option.
  • Keep fees low.


Related FAQs

What crowdfunding campaigns does PayPal support in the Philippines?

What crowdfunding campaigns does PayPal NOT support?

What information will you need about my crowdfunding campaign in the Philippines?

What is Preselling?

I'm a developer and want to create a crowdfunding campaign platform, where do I get started?

The Second Payment Services Directive (PSD2) 
This is a new EU directive regulating payment services in the European Economic Area. The directive requires new measures that impact how you access your account and pay with PayPal.

Strong Customer Authentication
It introduces two-factor authentication for online transactions, known as 'Strong Customer Authentication' (SCA). For online transactions in Europe and the UK, this extra security is coming to help keep online card purchases more secure and prevent fraud. 

What changes will I see when using PayPal?
Most of the time you'll log in or pay with PayPal by entering your email address and your PayPal password as usual. We may sometimes ask you to enter a one-time passcode which we'll send by SMS to the phone number you've registered with us or via a phone call if you have a landline.
What do I need to do?
Check that your current telephone (mobile and/or landline) number is correct in your PayPal account Profile. If we need to ask you for a one-time passcode we can send it by SMS to your mobile phone number or via phone call to your landline, so your payment or login won’t be delayed.
When will I need to enter this code? Do I need to do it every time I log in or pay?
Most times, we'll be able to verify your identity using the PayPal password you’ve typed and the device you're using (if it’s one of your usual devices). So, you may continue to login to your PayPal account or pay with PayPal as usual, using your email address and your PayPal password.
Where can I get this additional code? Isn’t it the same as my PayPal password?
No, the one-time passcode isn't the same as your PayPal password. We'll send you a one-time passcode by SMS or via a phone call to your landline each time we need a stronger verification of your identity. It’s important that you keep your phone details up to date in your PayPal account Profile to make sure this can work.
I've already enabled 2-step verification on my PayPal account, will I see changes?
2-step verification is authentication that complies with SCA. Hence, you won't see any changes when logging into your account. However, if you decide to disable 2-step verification, please make sure you have an up-to-date phone number in your profile before.
I don’t have a mobile or direct landline number to link to my PayPal account. Is there another way to verify my identity when logging in?
In order to continue to access your PayPal account in compliance with PSD2 regulations, you'll need to enable the 2-step verification setting from your settings profile page. This setting allows for more SCA compliant verification options. At this time, 2-step verification offers Mobile, Symantec VIP Security Key and Authenticator App.
What are Authenticator Apps and Security Keys?
An Authenticator App and Symantec VIP Security Key solutions generate a one-time passcode that you can use to sign in along with your password when you log in. After you download the authenticator app or Symantec VIP Security Key solution to your phone or desktop, scan the QR code displayed or enter the unique serial key on to link them to your PayPal account. Once set up, the authenticator app and Symantec VIP Security Key will provide a one-time passcode that changes periodically.
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. 

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.