We offer two types of accounts to meet all of your needs, Personal or Business accounts.

If you just need to make purchases and send money to family and friends, a Personal account is probably for you. We recommend Business accounts for online merchants who operate under a company or group name. PayPal is free when you make purchases and when you send money to family and friends from your bank account. If you can hold a balance with PayPal, you can also use it to send money to family and friends for free.

If you use a credit or debit card to send money to family and friends, a fee applies. The sender decides who pays the fee. If you use your PayPal account to request money from someone, you'll be charged a fee when you receive the payment.

For more information on fees, click Fees at the bottom of any PayPal page.

You can read more about our various policies in the PayPal User Agreement.

Specific information and answers to member questions or comments regarding protection policies, transactions, and other specific PayPal services may be found by clicking the Legal Agreements link at the bottom of any page on the PayPal website.