You can choose any of the payment methods in your account with PayPal as your preferred payment method in the Payments section of your account settings. If you select a preferred payment method, it will be shown as the preferred payment method when you make a purchase online, in-store, or when you send money via goods and services.
You can select different preferred payment methods for online transactions and in-store transactions.
If you choose an in-store preferred payment method and do not have any money in your PayPal Cash or Paypal Cash Plus account balance, your preferred payment method will be used for your entire purchase.
There may be times when your preferred payment method cannot be used. For example, if you select a credit card as your preferred payment method and the card has expired, you will not be able to pay with that card. Also, the availability of certain payment methods may be limited based on a particular seller or the third-party website you are using to complete the transaction.
If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you use most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available payment methods, or add a new one, and select a payment method during the transaction.
When you send money in the U.S. to Friends and Family using your PayPal Cash or PayPal Cash Plus account balance or your bank account, we waive all fees, so we always show you these payment options first, even if you have a set a preferred payment method for your online purchases.
Some sellers allow you to store PayPal as the payment method to use whenever making purchases on their site. Often, this entails creating an agreement with the seller, where you give the seller permission to pay using PayPal every time you make a purchase.
When you first set up an agreement, your preferred payment method (if you have one selected) will be shown first. We will also show you other payment methods you have available in your account with PayPal. For example, you can instruct your monthly movie subscription service to always charge a specific credit card in your account with PayPal each month. The payment method you select will be used for every future transaction with that seller, unless you change it in your account settings or the payment method is unavailable.
If you choose a preferred payment method, and do not have any money in your PayPal Cash or PayPal Cash Plus account balance, your preferred payment method will be used for the entire payment to the seller. If you have money in your PayPal Cash or PayPal Cash Plus balance, your balance will be used first, and your preferred payment method will be used for any remaining amount due. However, if PayPal Credit or a PayPal co-branded credit card is your preferred payment method, and you do not have enough money in your balance to cover the transaction, the entire transaction will be funded with PayPal Credit or the PayPal co-branded credit card.
If your chosen payment method is unavailable (e.g., a credit card expired), or if your agreement with the seller did not provide for the ability to specify a payment method, the payment method used will be in the following order (if available): 1. PayPal Cash or PayPal Cash Plus account balance; 2. bank account; 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. debit card; and 6. credit card.
If a consumer claims a "billing error" because an item is not received or is refused at the time of delivery, the card issuer is obliged to investigate, resolve, and to correct written claims filed by the consumer within 60 days of receipt of the applicable credit card statement.
If a consumer claims a dispute with a merchant, the card issuer is obliged to investigate and resolve consumer claims, provided the consumer: (i) has not paid for the charge (ii) has made a good faith attempt to settle the dispute with the merchant (iii) lives in the same state as or within 100 miles of the merchant and (iv) paid more than $50 for the item.