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.

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.

Your Preferred Payment Method is the funding source that will be used when paying with PayPal. You can check your preferred payment method in your Wallet. You can change your preferred payment method at any time.

Changing your preferred payment method on your PayPal account will not affect billing agreements, subscriptions, or recurring payments. You can update your payment preference on billing agreements, subscriptions, or recurring payments at any time in your account.

Here's how to change your preferred payment method:

  1. Click Money.
  2. Click Payment Preferences on the left side of the page.
  3. Choose a payment method and click Confirm.

If you don’t have enough money in your preferred payment method, we'll ask you to choose a different payment method at checkout.

To make sure you’re using the payment method you want, check the Review Your Payment page.


  • Once a payment has been sent to another PayPal account, the funding source cannot be changed.
By linking your bank account or card to your PayPal account, you will never need to pull out your wallet and enter card numbers or any personal information when you make an online payment using PayPal. With just an email address and password, you can conveniently and securely checkout. If you are trying to make a payment, but don’t have sufficient funds in your PayPal balance, the transaction can be covered quickly and easily by your selected primary funding source (bank account or card).  

Bank account

Linking a bank account to a PayPal account is a convenient way to keep track of your spending. When you link your bank account, it automatically becomes the way you pay when you haven’t chosen a preferred payment method or your preferred payment method is unavailable and your PayPal account balance isn't enough to cover a transaction. You can easily select other available payment methods at checkout.

Once you link a bank account, paying with your bank is secure. Here’s why:

•    The recipient never sees your bank account information when you pay.
•    We send you a receipt every time a payment is made from your account so you can keep track of transactions.
•    We review all transactions and let you know if we notice unusual account activity.
•    Unauthorized payments are rare. But if an unauthorized payment is somehow sent from your PayPal account, you’re covered. We’ll reimburse you (typically within 10 business days after you notify us of the unauthorized payment) so you’ll have your money while we investigate the transaction.

Debit or credit card

You can link your card (Visa, MasterCard, Discover, or American Express card) to send money to family and friends, or to pay for things.

To link your card to your PayPal account, the billing address on your card statement must match the address on your PayPal account.

You can add more than one card to your PayPal account but, for your security, a card can only link to one PayPal account at a time.

If your spouse linked your debit or credit card to their PayPal account, for example, they need to remove the card from their account before you can add it to yours.
For security reasons, you can only link a card that has a card verification number (also known as a CSC code). We ask you to enter the card verification number when you link the card to your PayPal account.

***PayPal does not charge a fee when you use your card to pay for goods, services, or eBay items.

If you use your card to send money to someone for personal reasons (not to pay for something), we charge a small fee.

You can pay the fee or ask the recipient to pay it. Note that your card issuer may charge a cash advance fee.

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

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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.