Direct Deposit

Payday, meet PayPal.

Get paychecks or government payments automatically sent to your PayPal Balance account1 up to 2 days early.2

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PayPal Balance account is required to use Direct Deposit.

Direct Deposit with PayPal

Early payment

Set up Direct Deposit once and enjoy access to your funds up to two days early.2

Easy setup

Use Direct Deposit to transfer payroll checks directly to Paypal. No more waiting for checks in the mail or trips to the bank.

Flexible use

Use the funds in your PayPal balance to shop and send money.3

Get paid, get started

With Direct Deposit, your money goes right to your PayPal balance. Use it to shop, send money, transfer funds to PayPal Savings,4 or get a head start on your bills.

How to set up Direct Deposit

Identify your employer

Find your employer, government agency, or payroll provider.

Verify your identity

Follow the steps to confirm your identity with your employer.

Confirm amount

Deposit your entire check or enter the amount of money you want to go to your PayPal balance.

You’re all set

Once processed, your Direct Deposit will begin within two pay cycles. We’ll notify you each time your money comes in.

Find more ways to manage your money

Savings
 
Cash a Check
 
Add Cash
 
Crypto
 
PayPal Debit Card
 
Pay Bills
 

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1
Direct Deposit is subject to the payor's support of this feature. Funds deposited via Direct Deposit will generally be available on the day we receive the funds transfer. You may review activity on your periodic statements or transaction history on www.PayPal.com, or call Customer Service at 1-888-221-1161 to verify receipt. We reserve the right to accept, reject, or limit transfers via Direct Deposit in our sole discretion. If you wish to cancel Direct Deposits, you must contact your employer. PayPal does not charge any fee to set up or maintain Direct Deposit. Refer to your PayPal User Agreement for complete Direct Deposit details.
Once it's set up, Direct Deposit usually takes two (2) pay cycles to begin, but can vary across employers. Please check with your employer for specific timing.
2
New Direct Deposit enrollees will be eligible for early access, subject to the terms and conditions. The early access feature will be made available to all eligible Direct Deposit customers in the coming months. Early access can allow a user to access their funds up to 2 days early. Early access to funds depends on when we get payment instructions from the payor (your employer or government agency). When we get funds before the scheduled payment date, your money can be made available up to 2 days sooner than scheduled. Availability and timing can vary based on the payor and when we get payment instructions. Once the funds are received, they will be deposited directly into your PayPal balance.
3
An account with PayPal is required for sending and receiving money.
4
PayPal is a financial technology company, not a bank. Banking services provided by Synchrony Bank, Member FDIC.
5
The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. pursuant to a license by Mastercard International Incorporated.  Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. This is a debit card linked to your PayPal Balance account and is not a credit card. Card may be used everywhere Mastercard is accepted. The Bancorp Bank, N.A. is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal.
PayPal is not a bank and does not itself take deposits. You will not receive any interest, credit, or other earnings on the funds in your PayPal Balance account. Your U.S. dollar PayPal Balance funds are eligible for FDIC pass-through insurance up to applicable limits only if you have a PayPal Debit Card, have enrolled in Direct Deposit, or have bought or received cryptocurrency. FDIC insurance does not protect you against the failure of PayPal. See PayPal Balance Terms and Conditions.
6
Deals may change and are subject to availability. PayPal and merchant terms, conditions, and exclusions apply. PayPal Balance account is required to get the card.