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*Inviting Friends and Earning Referral Reward Terms & Conditions

Redeem points for cash or other redemption options. The receipt and redemption of Points is subject to the PayPal Rewards Program Agreement. This offer may be modified or terminated at any time.

By participating in PayPal’s "Invite Friends" promotion (the "Program"), you agree to the following terms and conditions (the "Terms").

If you are the person inviting friends to join PayPal, you are a "referrer" under these terms, and if you are a person who receives an invitation to join PayPal from a friend, you are a "referee" (“Eligible Participants”). The Program allows referrers to invite people they know to sign up for a U.S. personal account with PayPal. Referrers and referees can both earn a Reward (defined below) and/or an Additional Reward when referees who are invited to join PayPal through the Program, sign up with PayPal and complete an Eligible Transaction and/or an additional Eligible Transaction (defined below).

Program Period: Starts on May 20, 2025, at 12:00:00 a.m. Eastern Time (“ET”) and ends the earlier of July 31, 2025, at 11:59:59 p.m. ET, or until we reach a maximum of $500,000 USD equivalent available under this offer(“Program Period”).

Eligibility and Overview

1. You may participate in this Program as a referrer until the Program Period expires or the Program is otherwise terminated by PayPal. If you refer a referee prior to the termination of the Program, you will still be eligible to earn the Rewards described below if the referee fulfills the Reward Criteria (defined below).


2. To be eligible to earn Rewards through the Program, each referrer and referee must have a U.S. personal PayPal account in good standing (“PayPal Account”) from their time of participation in the Program through Reward(s) issuance.


3. A referrer may refer a referee by sending a personal message via the Program referral prompts (“Referral Link”). A referrer can receive a Reward for each referee that satisfies all of the following “Reward Criteria”: (i) accesses the Referral Link and completes the PayPal Account sign up process; (ii) links a bank account, credit card or bank debit card to their PayPal Account; (iii) verifies their cell number linked to their PayPal Account; and (iv) completes an Eligible Transaction (defined below) within the first 30 days of successfully completing the PayPal Account sign up process. A referrer can receive Rewards for a maximum of 10 referees per Program Period.


4. A referrer can receive an “Additional Reward” for each referee that satisfies all of the following Additional Reward Criteria: (v) obtains a PayPal Debit Mastercard® (“PayPal Debit Card”) and (vi) completes an Additional Eligible Transaction (defined below) using their PayPal Debit Card as the payment method online, in store, in-app or in PayPal checkout within the first 30 days of successfully completing the PayPal Account sign up process. For a referrer to earn an Additional Reward, the referee must have a U.S. personal PayPal account and a PayPal Debit Card in good standing from their time of participation through Additional Reward(s) issuance. A referrer can receive Additional Rewards for a maximum of 10 referees per Program Period. Obtaining and maintaining a PayPal Debit Card requires a PayPal Balance account.


5. Eligible Transaction(s), including Additional Eligible Transactions, must be completed by the referee within the first 30 days of successfully completing the PayPal Account sign up process.


6. A referee can receive a Reward if they satisfy all of the following “Reward Criteria”: (i) accesses the Referral Link and successfully completes the PayPal Account sign up process; (ii) links a bank account, credit card or bank debit card to their PayPal Account; (iii) verifies their cell number linked to their PayPal Account; and (iv) completes an Eligible Transaction within the first 30 days of successfully completing the PayPal Account sign up process. A referee can receive an Additional Reward if they: (v) obtain a PayPal Debit Card and (vi) complete an Additional Eligible Transaction using their PayPal Debit Card as the payment method online, in store, in-app or in PayPal checkout within the first 30 days of successfully completing the PayPal Account sign up process. For a referee to earn an Additional Reward, the referee must have a PayPal Debit Card in good standing from their time of participation through Additional Reward(s) issuance. Obtaining and maintaining a PayPal Debit Card requires a PayPal Balance account.
   
   An “Eligible Transaction” means: (a) a PayPal checkout payment of $5.00 USD or more using the referee’s new PayPal account and that is marked as "complete" in the referee’s account; or (b) a person-to-person payment (send money to a PayPal account) of $5.00 USD or more using the send money feature within PayPal (sent to anyone other than the referrer) using the referee’s new PayPal Account and that is marked as ‘received’ by the recipient. Person to person payments that are refunded, or, reversed will not qualify to receive a Reward. To receive the Reward, the referee’s Eligible Transaction can be either of (a) or (b) above but must be completed using their PayPal Account within the time frame specified above.
   
   An “Additional Eligible Transaction” means: a U.S. Dollar card purchase of $5.00 USD or more made in-store or online, including in PayPal checkout using the referee’s new PayPal Debit Card and finalized by the merchant during the Program Period. Additional Eligible Transaction must be completed using their PayPal Debit Card within the time frame specified above.
   
   Eligible Transactions do not include: (1) purchases that are marked as “pending”, (2) prepaid card purchases or reloading, (3) PayPal Cashback Mastercard®, PayPal Prepaid Mastercard®, PayPal Extras Mastercard®, and PayPal Business Debit Mastercard® purchases made using the card directly at the merchant checkout and not through PayPal checkout (4) in-store cash withdrawals/cash back, (5) cash-like transactions, (6) digital gaming transactions, (7) lottery, betting or gambling transactions of any kind and (8) purchases that have been cancelled, refunded, or reversed. Satisfaction of Eligible Transaction criteria will be determined solely by PayPal.
   
   Additional Eligible Transactions do not include: (1) purchases that are marked as “pending”, (2) gift card or prepaid card purchases or reloading, (3) any purchase or portion of a purchase that involves a payment method other than the PayPal Debit Card, (4) cash-like transactions, including in-store cash withdrawals/cash back, and person to person send money transactions (5) digital gaming transactions, (6) lottery, betting or gambling transactions of any kind and (7) purchases that have been cancelled, reversed refunded or returned. Satisfaction of Additional Eligible Transaction criteria will be determined solely by PayPal.
   
   You may only refer family and personal friends or acquaintances. You represent that you know the potential referees with whom you share your personal message link and that, to the extent any consent is necessary under applicable law or regulation, you have consent to send texts, emails, or other communications regarding the Program, including sending your Referral Link to those recipients. Additionally, you must not publish or distribute your Referral Link in public locations (online or otherwise) where the audience is likely to include people who are not your family or personal friends/acquaintances. If you do so, PayPal may disqualify you and your referees from participation in the Program and any referrals and Rewards will be voided, in PayPal’s sole discretion. Every time you share your Referral Link; you must tell the referee that you earn an incentive if they create a PayPal Account using your Referral Link and then complete the Reward Criteria. Telling people that you earn an incentive is a legal requirement. Failure to comply may result in our voiding any referrals and revoking or declining to issue any Reward or Additional Reward that you or your referees may have otherwise received.
   

Reward: The reward amount is (1,000) PayPal Rewards Points “(Points)”, which can be redeemed for $10 cash or other options “(Reward)”. The Additional Reward is an additional (1,000) Points which can also be redeemed for $10 cash or other options. There is a limit of one Reward and one Additional Reward per referee for the duration of the Program (each worth a $10 cash equivalent (Max $20) once redeemed) and a limit of ten (10) aggregate individual rewards (Rewards and Additional Rewards combined) per referrer PayPal Account per Program Period. If two or more referrers invite the same referee, PayPal will credit the Reward or Additional Reward to the first person who referred the referee, as determined in PayPal’s sole discretion. The receipt and redemption of Points is subject to the PayPal Rewards Program Agreement.

Reward Redemption: Rewards and Additional Rewards should be available in Eligible Participant’s Account Overview section of their PayPal Account to redeem within fourteen (14) days after qualifying to receive the Reward. See the “Redeeming Points” section of the PayPal Rewards Program Agreement for details.

Miscellaneous: Participation is subject to the PayPal User Agreement, PayPal Rewards Program Agreement and the PayPal Balance Terms and Conditions. PayPal reserves the right to cancel, suspend or modify this offer in part or in its entirety at any time without notice. Similar offers may run at the same time; qualification for this offer does not constitute qualification for any other offer. PayPal is not responsible and/or liable if any e-mail, Reward, or offer-related materials or correspondence are not delivered for any reason. This offer is only redeemable in its originally published form.

The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. ("The Bancorp") pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance Account. See PayPal Balance Terms and Conditions

Sponsor: PayPal, Inc. 2211 North First Street, San Jose, CA 95131