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.

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.

An automatic payment authorizes a merchant to charge you whenever you make a purchase on their website without signing in to your PayPal account. This is something that is set up on the first checkout with the merchant. The terms of the automatic payment will be available in your PayPal account.

Finding your automatic payments on the app:

  1. Tap Settings.
  2. Tap Automatic Payments.
  3. Tap the merchant.
On this page, you can Remove PayPal as your payment method and select a backup funding source.

Finding your automatic payments on the website:
  1. Go to Account Settings.
  2. Click Money, Banks and Cards.
  3. Click Set Automatic Payments.
  4. Select the merchant.
On this page, you can Cancel the automatic payment and Change the backup funding source.

Changing the payment method:

  1. Select your current payment method.
  2. Select a new payment method or click link a new card or bank.
  3. Click Save
Contact information for your merchant can be found in the automatic payment.

If you’re a merchant who needs to cancel a subscription for your customer:
  1. Click Pay & Get Paid.
  2. Click Subscriptions.
  3. Find your customer’s subscription to update.
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.

Merchants offering file-sharing programs or access to newsgroup services must monitor for and prevent access to illegal content. Prior to using PayPal, merchants must comply with the following terms and conditions and send any required information to

  • Merchants must disclose to PayPal how they monitor files accessible through their service and how they remove or prevent access to files that appear to involve illegal content.
  • If merchants maintain a search tool for accessing files, they must disclose to PayPal how they prevent access through their search tool to files that appear to involve illegal content.
  • In their terms of service agreement, merchants must prohibit users from uploading files involving illegal content and indicate that users involved in such file transfers will be permanently removed from their service.
  • Merchants must report files they detect through their service to the National Center for Missing & Exploited Children's CyberTipline.
  • Merchants must provide PayPal with free access to their service, so PayPal's Acceptable Use Policy department can monitor the content.
  • Merchants must provide a direct point of contact in their organization for PayPal to report files that appear to involve illegal content.
  • Merchants must provide PayPal with information about how they respond to law enforcement agencies regarding illegal content accessible through their service.
  • Merchants must provide PayPal with details regarding their procedure established to receive and take actions on reports from rights owners regarding infringing material.
  • Merchants must provide PayPal with details regarding their ability and procedure established to both monitor the files accessible through their service and remove or otherwise prevent access to files that appear to involve infringing material.
  • If PayPal reports to merchants a file or files that appear to involve illegal content, the merchant must take immediate steps to prevent access to the files and respond to PayPal within one business day detailing their actions. PayPal will evaluate the merchant's response and procedure to prevent access to the reported files, and reserves the right to close, suspend, or limit access to a merchant's PayPal account for failure to implement an adequate procedure for preventing access to such files.
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.