Frequently asked questions

Paying with PayPal lets you store your preferred payment methods in a secure, digital wallet for a fast checkout. Plus, it can be rewarding. You can earn cash back on your favorite brands by saving offers and checking out in the PayPal app.8 Use the PayPal Cashback Mastercard® to earn an unlimited 3.00% cash back on PayPal purchases.5 Or collect, earn, and redeem rewards with your other eligible credit cards.9 You also get flexibility to spread out your payments for up to 24 months with Pay Monthly.2

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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.

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Sweepstakes

Check out with PayPal and you could win

100 days. 1000 winners daily.

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NO PURCHASE NECESSARY. Legal residents of the 50 U.S. (D.C.) 18+, 19+ in AL & NE. Ends 7/18/25. See Official Rules for how to enter, how to enter without purchase, odds, prizes and all details. Participating merchants only; see Rules for limitations. Void where prohibited. Must use PayPal Checkout online.  Coverage of up to $100 in elegible purchases per cart.

Fast, flexible checkout

Just add your payment info once. We'll remember it and keep it secure for next time.

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

Pay with PayPal to track and manage recurring expenses or split payments with your roomies.

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smarter

Earn cash back online and in stores

Get 5% cash back on the monthly category you choose, up to $1,000 spent in that category with the PayPal Debit Card.3,4 Or use the PayPal Cashback Mastercard® to earn 3.00% back on PayPal purchases, and 1.50% back on purchases made everywhere else Mastercard is accepted.5,6

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Earn cash back on top brands

Get 1%, 2%, 5% cash back7 on brands you love. We’ll apply your offers when you check out with PayPal.

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Pay with confidence

Your transactions are encrypted so you have peace of mind.

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Paying with PayPal

Pay your own way

Pay in store. Pay online. Pay over time.

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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. (“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.
4
5% cash back earned on up to $1000 of selected category spend per month. Cash back awarded as points that can be redeemed for cash or other options. 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
Offers are subject to availability. Redeem points for cash and other options. PayPal Rewards terms and merchant exclusions apply. Offers change often so refer to merchant site for the most accurate information. We may earn a commission when you make a purchase.
8
Points can be redeemed for cash and other options. Rewards terms apply. See offers for details and exclusions
9
Subject to issuer’s reward program terms and conditions.
10
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.
All screen images are for illustrative purposes only.