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Explore what PayPal offers in your location.Switch to the Australia site. 
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PAY, SEND, AND SAVE SMARTER. 


pay
smarter


SHOP AND SAVE IN STORES AND ONLINE.

Tap to pay safely in stores with the PayPal Debit Card and get rewards online
with PayPal checkout.


GET EVEN MORE CASH BACK ON THE BRANDS YOU LOVE.

 * DoorDash
   
   

 * Nike
   
   

 * Clothing
   
   

 * Restaurants
   
   

 * Gas
   
   

 * Finish Line
   
   

 * Nordstrom
   
   

 * Instacart
   
   

 * Sephora
   
   

 * Ticketmaster
   
   

 * Health & Beauty
   
   

 * Grocery
   
   

012345%


CASH BACK

Get hundreds of

cash back offers.

Browse Offers

+012345%


CASH BACK

Add another 5% from the category you choose every month, when you use the PayPal
Debit Card.1

Get the Debit Card
Cash back earned as points you redeem for cash and other options on up to $1,000
spend/month.


PAY NOW OR PAY OVER TIME.


IT’S YOUR CHOICE.


PAY IN 4


INTEREST-FREE PAYMENTS.

Paid every two weeks. No late fees. Won't affect your credit score to apply.2

Learn About Pay in 4



PAY IN 6, 12,


OR 24 MONTHLY PAYMENTS.

With $0 down.

No sign-up fees or late fees.3

Learn About Pay Monthly



PAY WITH THE PAYPAL CASHBACK MASTERCARD®.

Earn 3% cash back when you check out with PayPal and 1.5% on all other
Mastercard purchases.4

Apply for the Credit Card



PAY WITH


PAYPAL CREDIT.

PayPal Credit is your always on digital credit line when you check out with
PayPal. No interest if paid in full in 6 months on purchases of $99 or more.5

Apply for PayPal Credit
Interest will be charged to your account from the purchase date if the balance
is not paid in full within 6 months. Minimum monthly payments required.



SAFETY AND PRIVACY ARE ALWAYS BUILT IN.




YOUR PAYMENTS ARE ENCRYPTED AND WE DON’T SHARE YOUR FULL FINANCIAL INFO.

See How You're Safe
send
smarter


SEND MONEY TO JUST ABOUT ANYONE AROUND THE WORLD.6


SEND


RECEIVE


SPLIT

Send in seconds.

Send Money

Request money easily.

Get Paid

Easily split the bill with friends and family.

Share Costs
save
smarter


MAKE YOUR MONEY


WORK HARDER.


IT’S EASY. REALLY EASY.


GET 4.30% APY⁷ WITH YOUR PAYPAL SAVINGS ACCOUNT.

It's free to set up, FDIC insured with Synchrony Bank–and you can roll in all
the cash back you earn with PayPal so you earn even more.

Start Saving



CRYPTO, SIMPLIFIED.

Use the app to buy, transfer, and sell cryptocurrencies: Bitcoin, Bitcoin Cash,
Ethereum, Litecoin, and the PayPal stablecoin, PayPal USD.8

Explore Crypto


ALL INTHE NEWPAYPALAPP



Download now



Get the PayPal app




Get the PayPal app

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PayPal is located at 2211 N 1st St. San Jose, CA 95131

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.
1
PayPal Debit 5% monthly category Terms Apply.
2
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.
3
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.
4
Applications and purchases are subject to credit approval and the PayPal
Cashback Mastercard must be used for payment. Earn 3% cash back when you check
out with PayPal and 1.5% on all other Mastercard purchases. See Rewards Program
Terms for details and restrictions. 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. The Contactless Indicator mark, consisting of four
graduating arcs, is a trademark owned and used with permission of EMVCo, LLC.
See Terms & Rates for New Accounts.
5
PayPal Credit is subject to credit approval as determined by the Lender,
Synchrony Bank, and is available to US customers who are of legal age in their
state of residence. New Accounts as of 6/27/2024: Variable Purchase and Cash APR
31.39%. Variable Penalty APR 35.99%. Min Interest Charge $2. See Terms.
6
An account with PayPal is required to send and receive money.
7
As of June 7, 2023, the annual percentage yield (APY) for PayPal Savings is
4.30%. This is a variable rate and can change at any time, including after the
account is opened. PayPal is a financial technology company, not a bank. Banking
services provided by Synchrony Bank, Member FDIC.
8
PayPal, Inc. is licensed to engage in virtual currency business activity by the
New York State Department of Financial Services. Buying, selling, transferring,
and holding cryptocurrency with PayPal is not available in Hawaii and where
prohibited by law. Buying and selling cryptocurrency is subject to a number of
risks and may result in significant losses. Please see our disclosure for more
details. PayPal does not make any recommendations regarding buying or selling
cryptocurrency. Consider seeking advice from your financial and tax advisor.
Custody, trading and transfer services for cryptocurrencies are performed for us
by our licensed service provider, Paxos Trust Company, LLC or other
appropriately licensed or otherwise authorized service provider.


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