What is Funds Now and how does it work?

What is Funds Now?
Funds Now is a benefit provided to select sellers that prevents holds or delays in getting your money from sales—even during a dispute or when they’re requested by marketplaces (rare exceptions apply). With Funds Now, you’ll experience significantly fewer delays in the availability of your money, even if there're ongoing disputes being resolved. It’s our commitment to help you get your money faster and make sure that nothing gets in your way when you get paid.

Is there an extra fee for Funds Now?
There’s no extra fee for Funds Now. You’ll still pay the standard PayPal transaction fees, but there’s no additional charge for getting the money from your completed sales faster. In some cases, we might need you to confirm your phone number or other information related to your identity. This information is needed to help keep your account secure.

I already have fast access to the money from my sales. What’s different about this?
It’s great to hear that you experience fast access to your money when you get paid! What Funds Now promises is that, in the future, money won’t be held even during disputes. In rare cases, delays may still occur to help protect your account, e.g., if we suspect you've received a payment from a fraudulent buyer. If this happens, we'll let you know right away and help you resolve any issues.

Is my account eligible for Funds Now?
If your account is eligible for Funds Now, you’ll receive an email or account notification.

A few basic criteria to be eligible for Funds Now include having the following:

  • an account with PayPal for more than 12 months
  • Strong selling record (e.g., number of successful transactions in the last 12 months, low incidence of claims or disputes)
  • Legal and ethical business model (i.e., sell products and services that abide by the law and align to our values of integrity and trust)
We continuously review accounts for eligibility so even if you aren’t eligible at this time, keep building a consistent selling record and you may qualify for Funds Now in the future. If you would like us to review your account for eligibility, you can apply now.

What are the rare cases where my money may be delayed even if I have Funds Now?
Your account security is our priority. In order to protect your PayPal account, the PayPal community and to comply with applicable laws, in certain cases, the money from your sales may be delayed.

For example, we may delay access to money if we have concerns related to potential account takeover, fraudulent activity or to comply with anti-money laundering or sanction regulations. This is done in accordance with the PayPal User Agreement.

What happens if I have Funds Now and there’s a dispute?
You’ll still need to take the necessary steps to resolve the dispute with your buyer. However, with Funds Now, the disputed amount won’t be held.

We recommend that you always respond as soon as possible to any requests for information about any transaction. We also advise that you always provide proof of shipping or delivery when you receive notification of an unauthorized transaction. That way we can confirm that you shipped the goods and followed our safe-selling guidelines. In certain cases, we will try to cover you without this information, but this is not always possible. So, if the dispute is resolved in favor of the buyer, money will be deducted from your PayPal balance.

Can I lose Funds Now?  
As long as your account is in good standing, you’ll get to enjoy the benefit of Funds Now. Here are some things that could impact your account standing:
  • Change in the goods or services you provide as a business
  • Increased number of customer complaints, returns, claims, or chargebacks
  • Government or legal regulations such as those relating to anti-money laundering or sanctions
  • Potential concerns of fraud or unauthorized access to your account
If there are any delays or concerns, we’ll try our best to minimize the impact to your account.

However, if something changes and you lose the benefit, we’ll reach out to you by email or alert you through notifications in your account.

Can I get Funds Now again if I lose the benefit?
Funds Now is a benefit for select sellers with good standing. If you become re-eligible for this benefit, PayPal may invite you to enjoy this benefit again.  

What else should I know about Funds Now?
We continuously evaluate the benefits and services we offer. Funds Now may be subject to change or may end in the future with or without prior notice.