What's the difference between friends and family or goods and services payments?

You can send money to friends and family or pay for goods and services in the Send & Request tab at the top of the PayPal page.

If you’re sending a payment, payment types include:

  • Sending to a friend and family - used when sending money or a gift card to a friend or family member. Before you complete a payment, you can opt to pay the fee, or pass it onto the recipient to be covered by PayPal Purchase Protection.
  • Paying for goods or service - used when buying an item or service from someone. When you make a purchase, the seller pays a small fee to receive your money. Your payment is covered by our protection policy automatically.
You can make a personal payment to anyone in the U.S. for free. Just make sure that you pay for the entire payment using your bank account or, if you have a PayPal Cash account or PayPal Cash Plus account, your balance. There is a small charge for payments made with a debit or credit card.

Note: We’re currently unable to allow personal payments to or from India.