Frequently asked questions

All in the

PayPal app

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

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Get the App

Get started with PayPal. Here’s how:

Create your account

Start with your email and phone number. Then create a password. We’ll walk you through it.

Get Started

Link your cards and bank account

Securely add a card and top up your PayPal balance3 so you're ready to shop, send, and save.

Add Cards and Bank Accounts

Set up your PayPal Debit Card1

Pick your monthly rewards category. Pay online and in stores. Earn 5% rewards on up to $1,000 spent in your spending category per month.2

Request the Card

Make sure you’ve got the app

Pay, send, and save smarter on the go. And stay in control of your money with tracking, alerts, security features, and more.

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Get even more out of PayPal

Earn rewards on purchases

Discover online offers from brands you love in the app.4 If it’s in your monthly category, check out with PayPal and use your PayPal Debit Card1.

Check Out the OffersLearn About the Debit Card

Check out with more choices

Load your PayPal app with your cards and banks, and skip entering your info every time you pay. Or pay right from your PayPal balance with the PayPal Debit Card.1 Need some extra time? Choose one of our Pay Later options.

Paying with PayPalBuy Now, Pay Later

Send and receive funds with confidence

  • Send and receive confidently with private and encrypted payments. We help keep your financial details safe and secure.

  • Access your money instantly and use it your way. Spend, save, or send it when and how you want.

  • Send money across PayPal and Venmo without switching apps. Smart sending and spending—all in one place. Just enter a phone number to get started.

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Pay it safe with built-in security

Your transactions are encrypted. Plus, we've got your back on eligible purchases with PayPal Purchase Protection.7

Learn About PayPal Security

How PayPal works

It’s a smart, flexible way to pay

Speed through checkout online and in stores. Earn rewards with everyday offers. Send money across the table or across the globe. And manage it all with one account.

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1
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.
2
Earn 5% back in points in your PayPal Debit Card monthly category, on up to $1000 of spend. See paypal.com/rewardspal Earned as points redeemable for multiple options.
3
A PayPal Balance account is required to maintain and use a balance.
4
Check offer for details. Redeem points for cash or other options. Offer terms, PayPal Rewards terms and exclusions apply.
5
An account with PayPal is required to send and receive money, and use PayPal.Me.
6
A PayPal Balance account is required to create a pool.
7
PayPal Purchase Protection is available on eligible transactions. Terms and limitations apply.
8
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.
9
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. The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated.