What is the Cash a Check service in the PayPal app?

The Cash a Check feature in the PayPal app (also sometimes referred to as remote check capture, mobile check cashing, or check reload) allows you to cash checks on your mobile device and have them credited to your PayPal business account. This embedded service is provided by Sunrise Banks, N.A. with support from Ingo Money, Inc.

Take a picture of the check you want to cash. Once reviewed and approved, you have the option to pay a fee and get your money credited to your PayPal business account, usually in minutes. If you don’t need the money immediately, you can get it in 10 days with no fee if the check is not returned unpaid.

A PayPal business account is required to use the Cash a Check feature and this feature is only available to PayPal business sole proprietor accounts.

Here’s how to cash a check from your PayPal app:

1. Tap Accounts.
2. Tap Balance.
3. Tap Cash a check.
4. Enter the check amount, take a picture of the front and back of your endorsed check with your mobile device, and tap Next.
5. Select how quickly you want access to your money and tap Confirm.

It usually takes a few seconds to review a check for approval, although it can take 3-5 minutes and in rare circumstances, up to an hour to verify enough check information to approve your check.

If your check is approved, you’ll be prompted to write “VOID” across the front of your check and submit another photo showing it has been voided. Do not write “VOID” on your check until you are prompted to do so, after you receive confirmation that your check was approved.

Once finalized, you’ll see a confirmation page verifying the credit amount and when the money will be available in your PayPal business account.