Policy Updates

This Page

This page details and/or previews updates to PayPal users of changes to the United Kingdom PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met.

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarise yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the User Agreement.

Notices

Issued: 29 September 2025

Amendments to the PayPal Alternative Payment Methods Agreement

Effective 29 September 2025:

The section titled “Your liability to us” and Annex 1 of the PayPal Alternative Payment Methods Agreement are being updated to clarify that reversals can include missing funds. Annex 1 is also being clarified to indicate which payment methods could be subject to missing funds. This notice is applicable to sellers only.

Review the updated Alternative Payment Methods Agreement

Issued: 15 October, 2025

Amendments to the PayPal Online Card Payment Services Agreement and Merchant Fees page
Effective 22 January, 2026:

Updates relevant to merchants regarding PayPal’s pay later offers

• We're changing this agreement to update the terms for Chargeback Protection Tools to include a Loss Cap, outline chargeback coverage for ticket(s) for an event that will occur at a future date and clarify criteria for merchant enrollment to Chargeback Protection Tools. We are also amending the Termination/Suspension and Cancellation clause for Chargeback Protection Tool.
• We're also adding a new product variation called “Effortless Chargeback Protection Tool”.
• We're also updating our Merchant fee page to introduce new fees relating Effortless Chargeback Protection Tool.

Review the updated PayPal Card Online Payment Services Agreement

Review the updated Merchant Fees page

Amendments to the PayPal User Agreement, Consumer Fees page and Merchant Fees page
Effective 22 January, 2026:

• The inactivity fee will no longer be charged to PayPal accounts of residents of the United Kingdom; therefore, references to the inactivity fee are being removed from the PayPal User Agreement and Fees Pages.

Review the updated PayPal User Agreement

Review the updated PayPal Consumer Fees page

Review the updated PayPal Merchant Fees page

Introduction of PayPal Links Terms and Conditions
Effective 22 January, 2026:

• We're introducing a new feature called PayPal Links for consumers that allows you to send and request money with a link. The PayPal Links Terms and Conditions will only apply to you if you agree to them before using this new feature.

Review the PayPal Links Terms and Conditions

Issued: 28 October, 2025

Amendments to the PayPal Privacy Statement
Effective 28 October, 2025:

• The PayPal Privacy Statement has been updated to include reference to third-party wallets.

Review the updated PayPal Privacy Statement

Introduction of PayPal Credit Mastercard Terms and Conditions
Effective 28 October, 2025:

• We are introducing a new PayPal Credit Mastercard for UK PayPal Credit account holders. This card allows you to pay both in-store and online with PayPal Credit.
• To be eligible, you must have a UK PayPal Credit account. PayPal may decline card applications at its sole discretion.
• You can request a digital and physical PayPal Credit Mastercard. The PayPal Credit Mastercard Cardholder Agreement will apply only if you use this service.

Review the PayPal Credit Mastercard Terms and Conditions

Introduction of PayPal Consumer Debit Mastercard Terms and Conditions
Effective 28 October, 2025:

• We are introducing a new PayPal Consumer Debit Mastercard for UK PayPal account holders. This card lets you pay both in-store and online using your PayPal balance, with your linked bank account or debit card as a backup funding source.
• To be eligible, you must have a personal UK PayPal account.
• You can request a digital and physical PayPal Consumer Debit Mastercard. The PayPal Debit Mastercard Cardholder Agreement will apply only if you choose to apply for and use this service, and you must agree to those terms when you do so.

Review the PayPal Consumer Debit Mastercard Cardholder Agreement

Introduction of Third- party Digital Wallet Terms and Conditions
Effective 28 October, 2025:

• Customers will have the option to add their PayPal Credit Mastercard and PayPal Consumer Debit Mastercard to a third-party digital wallet.
• When a PayPal customer adds a card issued by PayPal UK Ltd to a third-party digital wallet, the PayPal Digital Wallet Terms and Conditions will apply.

Review the Third- party Digital Wallet Terms and Conditions

Introduction of PayPal + Terms and Conditions
Effective 28 October, 2025:

• We are introducing a new PayPal+ rewards programme for UK personal PayPal account holders. Earn points every time you shop with PayPal and redeem them at checkout. Points are awarded on eligible purchases, and tiered benefits grow as you use PayPal more.

Review the PayPal+ Terms and Conditions