Last updated on July 24, 2023
Last updated on July 24, 2023
NOTICE: REMOVAL OF PAYPAL HERE AGREEMENT
PayPal Here users were notified that we are discontinuing the PayPal Here service on September 30, 2023. Such service discontinuation will apply to all users, unless specifically exempted for a temporary period of time. Accordingly, the PayPal Here Agreement will be removed from our Legal Agreements for PayPal Services page, and all references to PayPal Here will be removed from our other PayPal terms. If you wish to retain a copy of these terms, please download them prior to discontinuation.
This agreement contains fourteen sections. You may jump directly to any section by selecting the appropriate link below. The headings and subheadings below are for reference only and do not limit the scope of each section. Some capitalized terms have specific definitions in Section 14 (Definitions). Underlined words in this agreement and on our website hyperlink to relevant information.
This PayPal Here™ agreement (“PayPal Here Terms”) is a contract between you and PayPal, Inc. (“PayPal”, “we” or “us”) and applies to your use of the PayPal services to accept PayPal payments, credit cards and debit cards into your PayPal account using the PayPal Here Device and/or software (“PayPal Here”). You must read, agree with and accept all of the terms and conditions contained in the PayPal Here Terms. By using PayPal Here, you agree to comply with all of the terms and conditions in the PayPal Here Terms, so please read all of the terms and conditions carefully.
These PayPal Here Terms, along with the PayPal User Agreement and any other agreement in which you have entered into with PayPal (collectively "PayPal Agreements"), apply to your use of PayPal Here. The PayPal services as described in the User Agreement include PayPal Here except that any pricing generally applicable to those services shall not apply to PayPal Here unless expressly agreed to by PayPal. If any inconsistency exists between the terms of the PayPal User Agreement or other agreement, and these PayPal Here Terms, these PayPal Here Terms shall control your use of PayPal Here. We may revise these PayPal Here Terms and any applicable policies from time to time. The revised version will be effective at the time we post it unless otherwise noted. If our changes reduce your rights or increase your responsibilities, we will post a notice on the Policy Updates page of our website and provide you with the same length of advance notice as set forth in the PayPal User Agreement. By continuing to use our services after any changes to these PayPal Here Terms, you agree to abide and be bound by those changes. If you do not agree with any changes to the PayPal Here Terms, you may terminate your use of PayPal Here before such changes become effective.
PayPal Here allows you to accept payments using Visa, MasterCard, American Express, and Discover branded credit cards and debit cards (“Cards”) into a business PayPal account or into a PayPal Balance account linked to a personal PayPal account. The terms “PayPal Balance account” or “Balance Account”, as used herein, refer to a PayPal Balance account and shall include any account currently or previously known as a PayPal Cash or a PayPal Cash Plus account, as applicable. You can also keep records of cash and check payments. PayPal Here is available in the fifty United States and the District of Columbia. To register for PayPal Here, you must provide certain personal information, agree to these terms and have a U.S. PayPal account in good standing. You must be approved by PayPal to use PayPal Here.
Once you are approved for PayPal Here, you may have the PayPal Here Device mailed to you at an address selected by you or purchase it from an Authorized Retailer. The delivery of the device through PayPal is subject to the following conditions. If you are a new PayPal user, the PayPal Here Device will be mailed to the address you provide at sign up. If you are an existing PayPal user and have multiple addresses in your PayPal account profile, you may select the address to which you would like the PayPal Here Device mailed. If you request multiple PayPal Here Devices, you can request that different devices be mailed to different addresses. If your PayPal Here Device(s) do not work, you may request a replacement by contacting customer service. We may limit the number of PayPal Here Devices you can receive at any time, including the number of replacement devices you may ever receive. For warranty information regarding the PayPal Here Device, please see the full warranty here.
If you have a business account, your authorized users can use PayPal Here Devices linked to your PayPal account. To add authorized users to your PayPal business account, you must register each authorized user with PayPal and create a password for each user to log in to your PayPal account. If you require additional PayPal Here Devices, you must request them. The access privileges you provide to your authorized users will apply to your PayPal account and the PayPal Here App. Authorized users must be 18 years or older. We may perform a screening before issuing a PayPal Here Device to any authorized user. You agree to assist us in this screening by providing legitimate and accurate information regarding the identity of all authorized users, as requested by us. We reserve the right to deny anyone access to PayPal Here. It is your responsibility to ensure your authorized users comply with the PayPal Here Terms. You agree that you are at all times liable for the actions or omissions of your authorized users and that you will indemnify and hold PayPal harmless from the actions or inactions of your authorized users in connection with their use of PayPal Here.
To use the PayPal Here Device, you must download the PayPal Here App. You may download the PayPal Here App from the Apple iTunes, Google Play, or Windows App Stores. There is no fee to download the PayPal Here App.
Because your customer is present at the time of your PayPal Here transactions, you may be required to obtain a customer signature on non-PIN credit or debit card transactions greater than twenty-five dollars ($25). Obtaining this signature may assist you in defending against a chargeback in the event a customer claims the transaction was unauthorized.
4.a Receipts
You must provide customers with a receipt upon request. Customers may choose an electronic receipt delivered via email or SMS rather than a paper receipt. You must obtain your customers’ consent prior to using the PayPal Here App to send an email or SMS text to them.
You agree that any transaction that you submit through PayPal Here shall have an accurate and true description of the goods and services being purchased. You also agree to comply with any instructions provided to you along with your PayPal Here Device.
4.b Offline Payments
PayPal, in its sole discretion, may permit you to accept swiped card payments even if your internet connection is temporarily unavailable. Chip payments cannot be processed while offline.
If you are eligible to accept offline payments and have enabled that feature, you will be able to swipe payments even without internet connectivity. Payments that are accepted offline will not be processed until an internet connection is restored and a request to process the pending offline transactions is made. If you are using the PayPal Here App, these steps will be completed automatically once connectivity is restored. If you are utilizing the PayPal Here SDK with another app, that app must be configured to make these requests to the PayPal Here SDK or payments will not be processed. You are responsible for ensuring that requests to process payments accepted offline are made in a timely fashion. Any offline payments not processed within twenty-four (24) hours will expire.
Offline payments are subject to certain limits, including but not limited to per-transaction limits and total offline processing limits. If you are using the PayPal Here App, these limits will be presented to you within the App. If you are utilizing the PayPal Here SDK with another app, you can find information on limits here. Limits are subject to change at any time in PayPal’s sole discretion. We will notify you of these changes in accordance with your notification preferences.
Offline payments cannot be disputed if they are declined after connectivity is restored. You assume all liability for offline payments, including those that are subsequently declined, expired, or disputed. This includes transactions that are not properly processed because your device is lost, stolen, damaged, or the PayPal Here App (or any app leveraging the PayPal Here SDK) is deleted prior to re-connecting to the internet. Any refunds will be processed in the normal course after you are reconnected to the internet.
If you are offering or operating an app utilizing the PayPal Here SDK to be provided to merchants, you must inform such end user merchants of these obligations, and obtain appropriate consent to these terms and limitations, before allowing access to offline payment functionality.
PayPal Here permits you to accept Card transactions on a compatible mobile device. PayPal does not warrant that PayPal Here will be compatible with your mobile device. If your device was modified contrary to the manufacturer’s software or hardware guidelines, including but not limited to “jailbreaking,” which means disablement of the device’s hardware or software security controls, then you may not use PayPal Here on your modified device.
We charge fees for our services as set forth below:
Payment Type | Rate |
Card Present Transactions | 2.70% |
Keyed Transactions | 3.50% + fixed fee for PayPal Here transactions (based on currency received) – as set forth in the corresponding table below. |
PayPal Transactions (In Store) | 2.70% |
QR code Transactions | 2.70% |
The fee for receiving domestic PayPal Here transactions applies plus the additional percentage-based fee for international PayPal Here transactions - as set forth in the corresponding table below.
Payment Type | Rate |
All PayPal Here Transactions | 1.50% |
Subject to eligibility, application, and approval by PayPal.
Payment Type | Rate |
Card Present Transactions | 2.70% |
Keyed Transactions | 3.50% + fixed fee for PayPal Here transactions (based on currency received) – as set forth in the corresponding table below. |
PayPal Transactions (In Store) | 2.70% |
QR code Transactions | 2.70% |
The fee for receiving domestic charity PayPal Here transactions applies plus the additional percentage-based fee for international charity PayPal Here transactions - as set forth in the corresponding table below.
Payment Type | Rate |
All Charity PayPal Here Transactions | 1.50% |
Currency | Fee | Currency | Fee |
Australian dollar | 0.30 AUD | New Taiwan dollar | 10.00 TWD |
Brazilian real | 0.60 BRL | New Zealand dollar | 0.45 NZD |
Canadian dollar | 0.15 CAD | Norwegian krone | 2.80 NOK |
Czech koruna | 10.00 CZK | Philippine peso | 15.00 PHP |
Danish krone | 2.60 DKK | Polish zloty | 1.35 PLN |
Euro | 0.35 EUR | Russian ruble | 10.00 RUB |
Hong Kong dollar | 2.35 HKD | Singapore dollar | 0.50 SGD |
Hungarian forint | 90.00 HUF | Swedish krona | 3.25 SEK |
Israeli new shekel | 1.20 ILS | Swiss franc | 0.55 CHF |
Japanese yen | 40.00 JPY | Thai baht | 11.00 THB |
Malaysian ringgit | 2.00 MYR | UK pounds sterling | 0.20 GBP |
Mexican peso | 4.00 MXN | US dollar | 0.15 USD |
The PayPal Privacy Statement applies to your use of PayPal Here. The protection of your information is important to PayPal. Likewise, information you receive from us about your customers must be kept confidential, stored securely and only used for purposes related to PayPal Here and as agreed to in the PayPal Privacy Statement. As a reminder, information you receive may not be used to send unsolicited email or SMS messages to a user without the user’s express consent.
If we believe there may be a high level of risk associated with your PayPal account, we may take certain actions in connection with your PayPal account and/or your use of the PayPal services.
If you are using PayPal software such as an API, developer's toolkit or other software application that you have downloaded to your computer, device, or other platform, then PayPal grants you a revocable, non-exclusive, non-transferable license to use PayPal's software in accordance with the documentation. This license grant includes the software and all updates, upgrades, new versions and replacement software for your personal use only. You may not rent, lease or otherwise transfer your rights in the software to a third party. You must comply with the implementation and use requirements contained in all PayPal documentation accompanying the PayPal services. If you do not comply with PayPal's implementation and use requirements you will be liable for all resulting damages suffered by you, PayPal and third parties. You agree not to alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code which is derived from the software. You acknowledge that all rights, title and interest to PayPal's software are owned by PayPal. Any third party software application you use on the PayPal website is subject to the license you agreed to with the third party that provides you with this software. PayPal does not own, control nor have any responsibility or liability for any third party software application you elect to use on the PayPal website and/or in connection with the PayPal services. If you are using the PayPal services on the PayPal website, or other website or platform hosted by PayPal, or a third party, and are not downloading PayPal's software or using third party software applications on the PayPal website, then this section does not apply to your use of the hosted PayPal services.
You may not accept payments in violation of PayPal’s Acceptable Use Policy.
If you do not use PayPal Here for a period of two or more years, PayPal may unenroll you from PayPal Here. We will notify you if you are unenrolled from PayPal Here and you may re-enroll by providing the information required for a new enrollment.
You represent and warrant to PayPal that each transaction that you process through PayPal Here is solely in payment for your provision of bona fide goods and/or services to your customers (each, a “Payor”). You hereby designate PayPal, and PayPal hereby agrees to serve, as your limited agent for the sole purpose of receiving such payments on your behalf from your Payors. You agree that upon PayPal receiving payment from a Payor: (a) you shall be deemed to have received payment from such Payor, (b) such Payor’s obligation to you in connection with such payment shall be satisfied in full, (c) any claim you have for such payment against such Payor shall be extinguished and (d) you are obligated to deliver the applicable goods and/or services to the Payor, in each case regardless of whether or when PayPal remits such payment to you. PayPal will remit to you in accordance with this Agreement or apply as an offset to any obligation you may have to PayPal, any such payments it receives on your behalf. You shall identify to your Payors that PayPal is acting as your agent for purposes of receiving payment on your behalf. Any receipt provided to the Payor shall be binding on you and shall satisfy all applicable regulatory requirements. This paragraph states the entirety of PayPal’s duties as your agent for receipt of payment, and no other duties shall be implied by PayPal’s undertaking to act in that capacity.
"Acquiring Bank" means each of the financial institutions PayPal partners with to process your Card payments, including your PayPal Here transactions.
“Business Days” mean(s) Monday through Friday, excluding holidays when PayPal’s offices are not considered open for business in the U.S. Holidays include New Year's Day (January 1), Martin Luther King, Jr.’s Birthday (the third Monday in January), George Washington's Birthday (the third Monday in February), Memorial Day (the last Monday in May), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25). If a holiday falls on a Saturday, PayPal observes the holiday on the prior Friday. If the holiday falls on a Sunday, PayPal observes the holiday on the following Monday.
"Card Companies" means a company or group of financial institutions that promulgate rules to govern Card transactions via bankcard and payment networks including MasterCard, Visa, Discover, and American Express.
"Cross-Border Transaction" means the following: (1) a transaction using a Card issued outside the United States, or (2) a PayPal Transaction in which the buyer uses a non-U.S. PayPal account to fund the transaction.
"Keyed Transaction" means a Card transaction where you do not swipe the Card via the PayPal Here Device, but instead input the Card number and other required information via the PayPal Here App.
"PayPal Here Device" means any card reader device we provide to you to use in connection with your use of PayPal Here, which may include capabilities for magnetic swipe, chip and signature, and/or contactless payment acceptance.
"PayPal Transaction" means a transaction using a PayPal-issued access method such as the PayPal payment card or a PayPal Here check-in transaction.
"PayPal User Agreement" means the online agreement you entered into with PayPal when you opened your PayPal account, as it may have been amended from time to time. The PayPal User Agreement currently in effect can be accessed via the Legal Agreements link in the footer of nearly every page on the PayPal website.
"Card Present Transaction" means a transaction that you submit to PayPal by swiping a Card through the PayPal Here Device, inserting a chip Card into the PayPal Here Device, or presenting a physical or virtual Card via Near Field Communication (“NFC”) to the PayPal Here Device.