Paying with PayPal

Pay how you want at your favorite sites and stores.

And we don’t share your full financial info.

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Check out fast around the world

No need to enter your payment info every time. Just add your cards and banks to PayPal. We’ll help keep them secure.

Add Cards and Banks

Pay now or Pay Later

Use your balance, bank, or cards to pay now. Or try one of our Pay Later1,2 options for extra time and flexibility.

Learn About Pay Later

Manage subscriptions in one place

Can’t remember what you signed up for? See where you set PayPal as your preferred way to pay. Change your payment method anytime.

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smarter

Earn cash back online and in stores

Pick a category each month. Get 5% cash back on the first $1,000 you spend in that category with the PayPal Debit card.3,4 Or use the PayPal Cashback Mastercard® to earn 3% back on PayPal purchases, and 1.5% back on purchases made everywhere else Mastercard is accepted.5,6 Add your cards to your phone’s mobile wallet so you can tap to pay.

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Pay with confidence

All your transactions are encrypted. Plus we’ve got your back with PayPal Purchase Protection on eligible items.7

Learn About PayPal Security

Frequently asked questions

All in

the new

PayPal app

It’s your do-it-all digital wallet. Load up on cash back offers before you shop. Track your packages. And manage it all on the go.

1
Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO or NV. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older to apply: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in 4.
2
Pay Monthly is subject to consumer credit approval and eligibility. Fixed APR is 9.99-35.99%. Terms and rates vary based on purchase amount and your credit. For example, a $200 purchase can be paid at 26% APR in 3 monthly payments ($69.56/mo.; $8.68 interest; $208.68 total of payments) . A $600 purchase can be paid at 26% APR in 6 monthly payments ($107.76/mo.; $46.57 interest; $646.57 total of payments) or 12 monthly payments ($57.33/mo.; $88.01 interest; $688.01 total of payments). A $1,500 purchase can be paid at 26% APR in 24 monthly payments ($80.77/mo; $438.47 interest; $1,938.47 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, CT, HI, NC, or NV. You must be 18 years old or older to apply. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.
3
The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“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. 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.
If you have opened a PayPal Debit Card Mastercard® account, enrolled in Direct Deposit, or bought or received cryptocurrency with your personal PayPal Balance account, we will place your U.S. dollar PayPal Balance funds in one or more Program Banks, where they will, subject to certain conditions, be eligible for pass-through FDIC insurance, up to applicable limits. FDIC insurance protects you against the failure of a Program Bank, not the failure of PayPal. PayPal is not a bank, does not take deposits and is not FDIC insured. Any other balance funds and all cryptocurrencies are not held in FDIC-insured bank deposits. Cryptocurrencies may lose value. See PayPal Balance Terms and Conditions.
4
PayPal Debit 5% cash back earned as points you redeem for cash and other options on up to $1000 spend/month. Terms apply
5
Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and eligibility criteria.
6
Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned and used with permission of EMVCo, LLC.
The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
7
Available on eligible purchases. Terms and limitations apply. See PayPal Purchase Protection Terms and exclusions.
8
Subject to issuer’s reward program terms and conditions.
9
Early fraud alerts are limited to unusual activity detected in PayPal accounts and within PayPal's online merchant network. Early fraud alerts are not yet eligible for PayPal branded cards.
10
Points can be redeemed for cash and other options. Rewards terms apply. See offers for details and exclusions.
All screen images are for illustrative purposes only.