Business debit card

To get a PayPal Business Debit Card, you need a PayPal business or PayPal Balance account, then you can request the card online. If approved, you receive a digital card in minutes and can add it to Apple Pay or Google Pay to start spending right away.

No. You do not need a separate business bank account. To qualify for the PayPal Business Debit Mastercard, you need a PayPal business or PayPal Balance account. Your card draws directly on your PayPal balance, so you can spend sales proceeds as soon as they arrive without moving money to a bank first.

Instantly. With your PayPal Business Debit Card, the money in your PayPal business account is available right away. As soon as new payments are deposited or transferred to your account, you can spend it online and in stores, or withdraw it at ATMs.⁴

Your 1% cash back benefit is added to your balance with PayPal weekly as qualifying transactions settle.² That’s more money to spend or reinvest in your business.

In addition to earning 1% cash back on eligible purchases,² you can now earn bonus rebates at 50,000+ businesses with Mastercard Easy Savings️ when shopping with your PayPal Business Debit Mastercard.⁵ This money is added to your balance with PayPal automatically as qualifying transactions settle. See Mastercard Easy Savings program terms and conditions for more information.

The physical card can be activated online or through the PayPal app. Simply navigate to the cards section in the account, select the new business debit card, and follow the prompts to activate it and set a PIN.

The PayPal Business Debit Mastercard has daily limits for purchases and ATM cash withdrawals designed to help protect the account. It's possible to view or adjust daily spending limits directly in your PayPal account dashboard.

A business debit card spends money you already have in your account, while a business credit card borrows against a credit line you repay later. Debit cards help you control spending and avoid debt; credit cards can help build business credit. The PayPal Business Debit Card uses your PayPal balance and earns 1% cash back on eligible purchases.²

It's generally best practice to keep personal and business expenses separate. Mixing transactions can complicate bookkeeping. Using a dedicated card, like the PayPal Business Debit Mastercard, helps consolidate company spending in one dashboard to make tracking business expenses simpler.

Yes, with the PayPal Business Debit Mastercard, a business can get up to four cards for employee use. This helps reduce the need for expense reimbursements, and allows owners to easily track spending for each employee card directly from the PayPal app.