What is PayPal


What is PayPal

With PayPal, your financial info and purchases are better protected. You save time shopping online and sending money. And you get more ways to cover your payments.

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Stay Secure and Protected

See how PayPal secures your financial information and protects your eligible purchases.

See Purchase Protection 



Did You Know?

Tip #9Withdrawing money from your PayPal account is easy.

See All Tips  





PayPal encrypts your sensitive financial information so the only person who can see it is you.

Your purchases are also protected. If there's a problem with your order or someone uses your account without permission, we help to make things right. (See Eligibility)

PayPal makes it easy for you. We store all your billing and shipping info so you don't have to type it out every time.

All it takes is a few easy clicks to shop, send money, or accept a payment.

PayPal gives you the flexibility to pay however you like when you shop or send money.

You can use it with:

  • Your bank account
  • Your debit or credit card
  • New payment options like MoneyPak™

See below for details.

How Does PayPal Protect My Financial Information?

When you sign up for PayPal, we ask you to link your bank account, debit card, or credit card so that your payments can be funded. This information is never shared with retailers. In fact, it's securely protected by data encryption technology, reducing the risk of online fraud and identity theft.


How Does PayPal Stop Hackers?

Your PayPal account is protected by the latest anti-fraud technology and a dedicated team of specialists working round-the-clock against the bad guys. We constantly monitor PayPal transactions for suspicious activity and alert our customers as soon as a problem is detected. We also share safety tips and fraud-fighting tools like our Safe Password Checker.


How Does PayPal Protect My Purchases?

When you pay using PayPal, our Purchase Protection coverage is included at no extra cost. We offer buyers $0 Liability for Unauthorized Purchases (See Eligibility), refunds for incorrect orders or items that never arrive, and a convenient process for resolving problems.


How Does PayPal Protect Me When I Sell?

Millions of people use PayPal to accept payments for items they sell on eBay and their websites. If you are a US PayPal account holder and your transaction is deemed eligible, PayPal will cover you in the event of an unauthorized purchase, an "item not received" claim, or a reversal. See Eligibility.

Our Seller Protection program also helps cover you for eligible sales when you follow the common sense tips and requirements. It's usually as easy as shipping to the right address and saving a few shipping documents to take advantage of this built-in benefit.Learn More about Seller Protection


Is Paying with PayPal Faster Than Using My Credit Card?

Yes. Instead of filling out the number, expiration date, and security code every time, you just enter your email address and password.


How Does PayPal Make It Easy for Me to Send Money?

PayPal stores all your financial information so that when you need to pay your friends back for dinner, you can just use your mobile phone to send them money. No need to write a check or go to the ATM.


How Does PayPal Make It Easy for Me to Sell?

Your buyers can pay you directly through PayPal. The money goes into your PayPal balance, where you can easily transfer it to your bank account. No need to go to the bank to deposit checks.


Bank Account

The money comes directly out of a bank account that you link to your PayPal account.


Debit or Credit Card

Choose to pay with your credit card and keep collecting your credit card reward points.


PayPal Balance

Turn your PayPal account into an easy-to-monitor spending account by adding money to your PayPal balance. You can increase your PayPal balance by transferring funds from your bank account, adding money via MoneyPak, or receiving money from friends and family. If you have enough money in your PayPal balance to cover the payment, then PayPal will use this money first for your payment.


Cash* via MoneyPak™

Use Moneypak to add funds to your PayPal balance without having a bank account or credit card. Then use this money to shop and send money using PayPal.


PayPal Credit

PayPal offers two types of credit options:

  • PayPal Extras MasterCard®: Use your PayPal Extras MasterCard to get 2x points for all your PayPal and eBay purchases. You can redeem points for gift cards, merchandise, travel deals, or cash back as a credit into your PayPal balance.
  • Bill Me Later®, a PayPal service: Use Bill Me Later financing to get up to six months to pay. It takes just seconds to use when you check out with PayPal. Bill Me Later's flexible financing empowers you to buy what you need, when you need it.

*Use cash to buy a MoneyPak card to fund your PayPal account. Available in the US only. Usage of this service is subject to identity verification and other controls. This service is being provided by a registered Money Services Business.