PayPal Here: Accept payments in-store and on-the-go.

Oct 15 2019 | PayPal editorial staff

Fewer and fewer people are carrying cash these days. Fortunately for your business, today’s technology makes it easy for you to accept cashless payments both in-store and on-the-go.
PayPal Here* is a payment solution that gives you the ability to accept a wide range of payments wherever your business takes you. Combine the PayPal Here app with your choice of card readers and you’ll do more than just process payments – you can manage inventory, generate customized sales reports, and add users to your account, all with separate passwords and access levels.  By using a compatible smartphone or tablet, your customers can have all kinds of options when it comes to paying for goods and services.
Your choice of card readers.
Together, the PayPal Here app and card reader work virtually anywhere in the United States with  compatible iOS® and Android™ tablets or smartphones. Check out some of our most popular options below or browse our entire selection to find the reader that’s right for your business:
PayPal Mobile Card Reader.
The Mobile Card Reader is our starter card reader for businesses with low-volume, intermittent transactions and monthly sales under $500. It connects to your compatible smartphone or tablet’s audio jack.  Sales with the Mobile Card Reader are subject to reserve policies.**
PayPal Chip and Swipe Reader.
This popular card reader is a great fit for businesses that need to take payments on-the-go, in-store, or in the office.  The Chip and Swipe Reader connects wirelessly via Bluetooth to the PayPal Here mobile app where cellular connection or WiFi is available.
PayPal Chip and Tap Bundle. 
If you have a counter-based business, like a retail store or restaurant, and process a high volume of transactions, this bundle is ideal for your business. The PayPal Chip and Tap Reader connects via Bluetooth to the PayPal Here mobile app where cellular connection or WiFi is available.  The Chip and Tap Bundle includes the PayPal Chip and Tap Reader, plus our Charging Stand. Each product can be bought separately.
Once you choose your reader, you can complete your point-of-sale setup by adding accessories like a tablet stand, receipt printer, cash drawers, and cases.
Clear, simple pricing.
There are no setup fees, processing minimums, cancelation fees, or recurring monthly charges with PayPal Here. You pay only when you make a sale. Straightforward pricing that helps make record-keeping for your business easy.
Accept payments almost anywhere.
Getting started with PayPal Here is simple. Just follow these four steps:
  1. Sign up at and get a PayPal Business account if you don’t already have one.
  2. Download the PayPal Here mobile app.
  3. Choose a card reader.
  4. Start getting paid.
PayPal Here can help you manage and grow your business. Our guide gives you the tips and tools you need to help set up your account, manage inventory, add users, run sales reports, and more. Once you’re set up, you’ll be able to easily transfer funds from your PayPal account to a bank account. For quick access to your available funds, you can apply for the PayPal Business Debit Mastercard.***
If you have any questions, our customer support team is here to help. You can reach them directly from the app, on the phone, or via email. Or you can find additional information in FAQs at the bottom of this page.
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.

* PayPal Here account and card reader required.
 ** Key-in and swipe transactions over certain monetary thresholds may be subject to an automatic reserve, in which funds will be temporarily held in your PayPal account to cover the high risk of fraud associated with these transactions. While held, these funds will be unavailable to you. For increased protection from fraud and to reduce the likelihood of funds being held, we recommend using a chip or contactless card reader. All PayPal accounts are subject to policies that can lead to account holds, limitations, or reserves. See the PayPal User Agreement
*** The PayPal Business Debit Mastercard is issued by The Bancorp Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Bancorp Bank; Member FDIC. Card may be used everywhere Mastercard is accepted.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

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Frequently asked questions.

Lavu is the creator of the Lavu POS software application, a full-featured restaurant point of sale (POS) system for the iPad. Lavu was founded around the idea that technology can be used to offer restaurant owners and managers a POS system designed specifically for their needs.

Lavu has integrated with PayPal’s Chip Card Reader to ensure every Lavu + PayPal account is EMV compliant. Accept chip cards, contactless payments like Apple Pay, and magnetic stripe cards all from one device.

To link your PayPal and Lavu accounts:
  1. Signup for Lavu by going to and clicking Lavu + PayPal Free Trial.
  2. Once you have signed up go to the Web Control Panel on your Lavu account and click Get Started.
  3. Use an existing PayPal account or create a new PayPal account.
For assistance you can call PayPal Telesales at 844-353-0786.
Use the PayPal Here mobile app to create simple invoices when you’re on the go. When making a current sale, just fill out the item details, press Charge and then select Invoice as the payment method.
Whether you're getting ready to start a business, advance your small business, or grow an online business, PayPal has a product for you. From complex business products to simple solutions for your business, we’ve got you covered.

Here’s more information on the different business products PayPal offers.

PayPal Payments Standard: PayPal Payments Standard is loaded with everything you need to get paid online, including a checkout experience that’s already optimized across devices.

PayPal Payments Advanced: PayPal Payments Advanced is an all-in-one payment-processing system that lets you accept payments online, offline, or on the go. PayPal Payments Advanced lets customers using a credit or debit card check out directly on your website.

PayPal Payments Pro: PayPal Payments Pro gives you the flexibility and payment processing security to build a professional-grade ecommerce site. It can be configured to suite your business needs – and works across devices. Plus, because it’s from PayPal, you can tap into over 184+ million active customer accounts around the globe.

Payflow Payment Gateway: A payment gateway links your website to your processing network and merchant account. Like most gateways, Payflow Payment Gateway handles all major credit and debit cards. What makes our gateway different is the low rates and incremental sales boost from offering PayPal and PayPal Credit payment options on your site.

PayPal Here: One app, many ways to get paid. Choose your reader for accepting card payments, then with the PayPal Here app, you can issue receipts, manually enter card payments, track cash and check payments and send invoices.

PayPal Checkout: Add PayPal as a payment option to your checkout page - or use it as a stand-alone solution. You’ll open the door to over 169 million active PayPal users who look for and use this fast, easy, and secure way to pay.

Virtual Terminal: You can use Virtual Terminal wherever you have Internet access—at your office, at a trade show, even at the airport. To take a credit card order, simply log in to your PayPal account and enter the payment details into the secure Virtual Terminal order form. We’ll process the payment and send you a confirmation.  

PayPal powered by Braintree PayPal powered by Braintree makes it easy to accept payments through your Partner store. Our payment gateway is similar to the credit card terminal you swipe your card through at the grocery store—we'll make sure your customer's payment information gets to the right places and doesn't fall into the wrong hands.
 PayPal Payments StandardPayPal Payments ProPayflowPayPal powered by BraintreePayPal Checkout (formerly known as Express Checkout
Monthly Fee
(See all Merchant fees)
Design and Host your own
check out pages for full control
 (if allowed by your partner site) 
Accept Credit Cards via phone,
fax and mail (VT)
Accept credit and debit cards
(your buyers don't need a PayPal account)

(Must have a 3rd party processor)
Accept PayPal payments
Send Invoices online for fast payment 
Accept payments in 25 currencies
from 202 countries
Simplified PCI compliance♦**
No long-term contracts, setup,
withdrawal or cancellation fees
Nonprofit discount available
for PayPal transactions
Toll-free phone support
Offer special financing on
purchases $99 and up
♦*** (only through PayPal Standard or Checkout)

**Requires use of the hosted templates in PayPal Payments Pro.
There’s no backup funding for the PayPal Cash Card. The PayPal Cash Card uses money available in your PayPal Cash Plus account. If there’s insufficient money in your PayPal Cash Plus account to cover the amount of a purchase, that purchase will be declined at the point of sale.