How do I use the Cash a Check service in the PayPal app?

Cashing a check is secure and easy to use. Log in to your PayPal Mobile app and follow these simple steps:

  1. Tap More at the bottom of the home screen.
  2. Tap Cash a check.
  3. You'll be asked to set up a PayPal Cash Plus account (if you don't have a PayPal Cash Plus account already). 
  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 to have access to your money and click Confirm.
  6. 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.
  7. 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.
  8. Once finalized, you’ll see a confirmation page verifying the amount of the credit and when the money will be available in your PayPal Cash Plus account.

What kinds of checks can I cash with the Cash a Check service in the PayPal app?
You can submit most check types for approval with Cash a Check, as long as the check value ranges between $5.00 to $5,000.00. This includes payroll and government checks with a pre-printed signature, business checks, two-party personal checks, handwritten payroll checks, insurance checks, attorney checks, cashier’s checks, money orders, rebate checks and refund anticipation checks. All checks must be made payable to you, endorsed by you, and drawn on a bank account in the United States or a U.S. territory.

Please note that we generally don’t accept conditional endorsement checks, counter checks, credit card checks, customer appreciation certificates, gift certificates, starter checks, traveler’s checks, warrants, or checks that aren’t made payable to you.

Is there a check limit when using the Cash a Check service in the PayPal app?
You may cash checks ranging in value from a minimum of $5 to a maximum of $5,000. You can cash multiple checks totaling up to $5,000 in value per day and up to $15,000 in value per month. All checks are subject to review for approval.

What are the fees to use the Cash a Check service in the PayPal app?
To cash a check and get your money in minutes, the standard fee is 1% for payroll and government checks with a pre-printed signature and 5% for all other accepted checks, with a $5 minimum fee per check. If your check isn’t approved to be cashed, no fees will be assessed.

Alternatively, you can choose to get your funds in 10 days for no fee. Your money will be credited to your PayPal account if your check is approved and is not returned unpaid during the 10-day period.