Getting Started with Your PayPal Business Account

Feb 20 2020 | PayPal editorial team

Setting up for online payment and invoicing solutions to grow your business. 
So you’ve got an online business, it’s growing and you’re looking to set up a secure, simple payment processing system for your customers with PayPal. Well, we’re here to help. With this article, we’ll guide you step-by-step through the process of signing up for a PayPal Business Account, finding the right payment solution – as well as showing you how online payments workand why PayPal is better for your business.  

How to Sign Up 
Signing up for a PayPal Business Account is easy and we’ve broken down the steps here to guide you through the process.  

STEP 1: Select your business type 
Whether you’re running a webstore, small business or a large shipping company, we want to know your business type so we can find the right payment solution for your needs 

STEP 2: Tell us more about your business 
Tell us more about what business category and sub-category you’re in, your TIN numberwhere and when it was established, and don’t forget to add in your contact information.

STEP 3: Tell us about your finances 
We need to know more about your finances to better understand your requirements and recommend the best payment solution for your needs.

Which Solution to Use

Now that you’ve signed up for your account, it’s time to choose a product that’ll work for you. Here’s a list of solutions we offer and how they can help you grow your business.

Website Payments Standard (WPS) 

Great for those with a website looking for an easy way for their customers to pay. Just copy and paste our HTML code to your website to add our buttons and let your customers pay with just a few clicks.   

More about Website Payments Standard

Express Checkout 

If you already have an existing website with a shopping cart, Express Checkout streamlines the payment process to make it even faster for your customers to add items to their basket and purchaseLess time paying = more time shopping!  

More about Express Checkout  

Online Invoicing

For those without a website or simply looking for invoices to track and manage payments, you can create customizable, professional invoices with PayPal. Simply pick a template, add the necessary details and send.

More about Online Invoicing


If you primarily do business using social media/off-site, you can now send a unique link to your customers to get paid even faster. Just add in the amount with the currency of your choice and send it to your customers to get paid.  

More about PayPal.Me

Email Payments 

If your business is conducted via email, you can also send an email payment request to your customersSend a request and your customers will receive an email notification immediately. They can then pay with their PayPal account or using their credit/debit card.  

More about Email Payments

You don’t just have to choose one payment solution, and can always add on other features as your business grows. Pick and choose as many solutions as you need to help your business run more smoothly and, most importantly, sell more! 

How Online Payments Work 

Here’s a quick breakdown of what happens after you send your customer a payment request.  

Deal Made 
After you and your customer reach an agreement, send them a payment request using an invoice, email or your PayPal.Me link with the agreed amount. 

Customer Pays You 
Your customer will receive a notification to log in to their PayPal account to pay you directly.  

Payment is Processed 
Once your customer has authorized payment, we process the transaction on our encrypted network to ensure increased security for your financial details. 

You Get Paid 
Once the payment has been processed, we’ll notify you and transfer the money to your PayPal account instantly

Why PayPal? 
We know your customers are always looking for a faster and safer way to shop online. With PayPal, you’re not only getting the best selection of payment options as a business owner, but the assurance of a brand your customers can trust.  

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.
Here's how you can create a crowdfunding campaign platform:
  1. Sign up for PayPal Developer to innovate, test, and go live. 
  2. Accept the PayPal Developer Agreement.
  3. Create an Adaptive Payments application. This is the PayPal product that supports crowdfunding models. To use Adaptive Payments, your PayPal Business Account must be in good standing.
  4. Go to PayPal applications to create the application submission and be sure to include as much detail as possible; including information on the APIs you will be using.
To understand what kind of APIs are supported for crowdfunding models, have a look at our crowdfunding guidelines and recommended best practices
Yes. Recipients receive an email notification prompting them to sign up for an account. This feature is available for the following Website Payments buttons: Buy Now, Donations, and Add to Cart buttons.

Recipients can pay you with their credit cards through PayPal if you are a merchant and have the PayPal Account Optional feature turned on.


All PayPal accounts allow you to send and receive payments.

  • Personal: Recommended for individuals who shop and pay online, or wish to send or receive personal payments for shared expenses such as splitting of dinner bills or rental charges; for casual sellers or non-businesses who wish to get paid online, and who also make online purchases.
  • Business: Recommended for merchants who operate under a company/group name. It offers additional features such as allowing up to 200 employees limited access to your account and customer service email alias for customer issues to be routed for faster follow-ups.

For complete information on PayPal transaction fees, please see the fees section of our User Agreement or click Fees at the bottom of any PayPal webpage.

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.