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class="_glnv-header__subnav-control-icon_17nkn_1512"></span></button><div id="submenu-Caz0Hf78pWnfCUiw7nXJ1" aria-label="Small Business" role="region" class="_submenu-wrapper_17nkn_657"><div id="header-Caz0Hf78pWnfCUiw7nXJ1" class="_container_17nkn_981"><div class="_gn-header__subnav_17nkn_668"><h2 class="_segment-title-container_17nkn_1719"><a href="/us/business?locale.x=en_US" data-pa-click="{"link":"segment-title-Link-PayPal for Small Business", "event_name": "ppcom_segemnt_title_clicked" }" tabIndex="0" class="_segment-title-link_17nkn_1724 _segment-title-link-href_17nkn_2462">PayPal for Small Business<span class="_segment-title-link_href_arrow_17nkn_2437"></span></a></h2><div class="_dw-submenu-container_17nkn_1521"><div class="_wd-75_17nkn_1525 _wd-75-3_17nkn_2715"><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 class="submenu-col__header-div"><a href="/us/business/accept-payments?locale.x=en_US" data-pa-click="{"link":"HeaderSubnav-SubHeader-ACCEPTPAYMENTS-Accept Payments","event_name":"ppcom_header_nav_clicked"}" tabIndex="0" class="_submenu-col__header_17nkn_792 _submenu-col__header_with_href_17nkn_2564"><span class="_submenu-col__header_text_container_17nkn_4158">Accept Payments<span class="_submenu-col__header_with_href_arrow_17nkn_4205"></span></span></a></h3><ul><li class="_link-type_with_href_17nkn_4286 ACCEPTPAYMENTS"><a href="/us/business/accept-payments/checkout?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Online Checkout", "event_name": "ppcom_header_nav_clicked" }" aria-label="Online Checkout ">Online Checkout</a></li><li class="_link-type_with_href_17nkn_4286 ACCEPTPAYMENTS"><a href="/us/business/accept-payments/checkout/installments?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Installment Payments", "event_name": "ppcom_header_nav_clicked" }" aria-label="Installment Payments ">Installment Payments</a></li><li class="_link-type_with_href_17nkn_4286 ACCEPTPAYMENTS"><a href="/us/business/accept-payments/invoice?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Invoicing", "event_name": "ppcom_header_nav_clicked" }" aria-label="Invoicing ">Invoicing</a></li><li class="_link-type_with_href_17nkn_4286 ACCEPTPAYMENTS"><a href="/us/business/pos-system?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav3-Link-POS System", "event_name": "ppcom_header_nav_clicked" }" aria-label="POS System ">POS System</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 class="submenu-col__header-div"><a href="/us/business/financial-services?locale.x=en_US" data-pa-click="{"link":"HeaderSubnav-SubHeader-FINANCIALSERVICES-Financial Services","event_name":"ppcom_header_nav_clicked"}" tabIndex="0" class="_submenu-col__header_17nkn_792 _submenu-col__header_with_href_17nkn_2564"><span class="_submenu-col__header_text_container_17nkn_4158">Financial Services<span class="_submenu-col__header_with_href_arrow_17nkn_4205"></span></span></a></h3><ul><li class="_link-type_with_href_17nkn_4286 FINANCIALSERVICES"><a href="/us/business/financial-services/debit-card?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Business Debit Card", "event_name": "ppcom_header_nav_clicked" }" aria-label="Business Debit Card ">Business Debit Card</a></li><li class="_link-type_with_href_17nkn_4286 FINANCIALSERVICES"><a href="/us/business/financial-services/business-loan?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Business Loan", "event_name": "ppcom_header_nav_clicked" }" aria-label="Business Loan ">Business Loan</a></li><li class="_link-type_with_href_17nkn_4286 FINANCIALSERVICES"><a href="/us/business/financial-services/working-capital?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Working Capital Loan", "event_name": "ppcom_header_nav_clicked" }" aria-label="Working Capital Loan ">Working Capital Loan</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 class="submenu-col__header-div"><a href="/us/business/operations?locale.x=en_US" data-pa-click="{"link":"HeaderSubnav-SubHeader-BUSINESSOPERATIONS-Business Operations","event_name":"ppcom_header_nav_clicked"}" tabIndex="0" class="_submenu-col__header_17nkn_792 _submenu-col__header_with_href_17nkn_2564"><span class="_submenu-col__header_text_container_17nkn_4158">Business Operations<span class="_submenu-col__header_with_href_arrow_17nkn_4205"></span></span></a></h3><ul><li class="_link-type_with_href_17nkn_4286 BUSINESSOPERATIONS"><a href="/us/business/operations/risk-management?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Risk Management", "event_name": "ppcom_header_nav_clicked" }" aria-label="Risk Management ">Risk Management</a></li><li class="_link-type_with_href_17nkn_4286 BUSINESSOPERATIONS"><a href="/us/business/operations/reporting-tools?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Reporting Tools", "event_name": "ppcom_header_nav_clicked" }" aria-label="Reporting Tools ">Reporting Tools</a></li><li class="_link-type_with_href_17nkn_4286 BUSINESSOPERATIONS"><a href="/us/business/operations/mass-payments?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Mass Payments", "event_name": "ppcom_header_nav_clicked" }" aria-label="Mass Payments ">Mass Payments</a></li><li class="_link-type_with_href_17nkn_4286 BUSINESSOPERATIONS"><a href="/us/business/operations/shipping?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav3-Link-Shipping", "event_name": "ppcom_header_nav_clicked" }" aria-label="Shipping ">Shipping</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 data-pa-click="{"link":"HeaderSubnav-SubHeader-RESOURCES-Resources","event_name":"ppcom_header_nav_clicked"}" class="_submenu-col__header_17nkn_792">Resources </h3><ul><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/business/platforms-and-marketplaces/solutions?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-3rd Party Integrations", "event_name": "ppcom_header_nav_clicked" }" aria-label="3rd Party Integrations ">3rd Party Integrations</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/enterprise/become-a-partner?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Become a Partner", "event_name": "ppcom_header_nav_clicked" }" aria-label="Become a Partner ">Become a Partner</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/brc/?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Business Resource Center", "event_name": "ppcom_header_nav_clicked" }" aria-label="Business Resource Center ">Business Resource Center</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/webapps/mpp/nfp?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav3-Link-Accept Donations", "event_name": "ppcom_header_nav_clicked" }" aria-label="Accept Donations ">Accept Donations</a></li></ul></div></div><div class="_wd-25_17nkn_2895 _wd-25-3_17nkn_2958"><ul class="_submenu-col_17nkn_714 _dw-submenu-cards_17nkn_1533 _dw-submenu-cards-2_17nkn_4678"><li class="_submenu-card_17nkn_1533"><a href="/us/business/open-business-account?locale.x=en_US" data-pa-click="{"link":"HeaderSubnav-Card-Get Started","event_name":"ppcom_header_nav_clicked"}"><img data-src="https://www.paypalobjects.com/marketing/web/US/en/rebrand/pictograms/business-start.svg" alt="Get Started" /><div><div class="_text_17nkn_1533">Get Started</div></div></a></li><li class="_submenu-card_17nkn_1533"><a href="/us/business/pricing?locale.x=en_US" data-pa-click="{"link":"HeaderSubnav-Card-Fees","event_name":"ppcom_header_nav_clicked"}"><img data-src="https://www.paypalobjects.com/marketing/web/US/en/rebrand/pictograms/business-pricing.svg" alt="Fees" /><div><div class="_text_17nkn_1533">Fees</div></div></a></li></ul></div></div></div></div></div></li><li><button id="4keXBcywQjO9pIejGPxmxW" aria-controls="submenu-4keXBcywQjO9pIejGPxmxW" aria-expanded="false" data-text="Enterprise" data-pa-click="{"link":"HeaderMainMenu-Link-Enterprise", "event_name":"ppcom_header_nav_clicked"}" class="_glnv-header__subnav-control_17nkn_578 _main-link_17nkn_561">Enterprise<span class="_glnv-header__subnav-control-icon_17nkn_1512"></span></button><div id="submenu-4keXBcywQjO9pIejGPxmxW" aria-label="Enterprise" role="region" class="_submenu-wrapper_17nkn_657"><div id="header-4keXBcywQjO9pIejGPxmxW" class="_container_17nkn_981"><div class="_gn-header__subnav_17nkn_668"><h2 class="_segment-title-container_17nkn_1719"><a href="/us/enterprise?locale.x=en_US" data-pa-click="{"link":"segment-title-Link-PayPal for Enterprise", "event_name": "ppcom_segemnt_title_clicked" }" tabIndex="0" class="_segment-title-link_17nkn_1724 _segment-title-link-href_17nkn_2462">PayPal for Enterprise<span class="_segment-title-link_href_arrow_17nkn_2437"></span></a></h2><div class="_dw-submenu-container_17nkn_1521"><div class="_wd-75_17nkn_1525 _wd-75-3_17nkn_2715"><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 data-pa-click="{"link":"HeaderSubnav-SubHeader-PAYMENTS-Payments","event_name":"ppcom_header_nav_clicked"}" class="_submenu-col__header_17nkn_792">Payments </h3><ul><li class="_link-type_with_href_17nkn_4286 PAYMENTS"><a href="/us/enterprise/payment-processing?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Global Payment Processing", "event_name": "ppcom_header_nav_clicked" }" aria-label="Global Payment Processing ">Global Payment Processing</a></li><li class="_link-type_with_href_17nkn_4286 PAYMENTS"><a href="/us/enterprise/payment-processing/accept-paypal?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Accept PayPal", "event_name": "ppcom_header_nav_clicked" }" aria-label="Accept PayPal ">Accept PayPal</a></li><li class="_link-type_with_href_17nkn_4286 PAYMENTS"><a href="/us/enterprise/payment-processing/accept-pay-later?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Offer Pay Later", "event_name": "ppcom_header_nav_clicked" }" aria-label="Offer Pay Later ">Offer Pay Later</a></li><li class="_link-type_with_href_17nkn_4286 PAYMENTS"><a href="/us/enterprise/payment-processing/guest-checkout?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav3-Link-Guest Checkout", "event_name": "ppcom_header_nav_clicked" }" aria-label="Guest Checkout ">Guest Checkout</a></li><li class="_link-type_with_href_17nkn_4286 PAYMENTS"><a href="/us/enterprise/payment-processing/accept-venmo?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav4-Link-Accept Venmo", "event_name": "ppcom_header_nav_clicked" }" aria-label="Accept Venmo ">Accept Venmo</a></li><li class="_link-type_with_href_17nkn_4286 PAYMENTS"><a href="/us/enterprise/payment-methods?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav5-Link-Payment Methods", "event_name": "ppcom_header_nav_clicked" }" aria-label="Payment Methods ">Payment Methods</a></li><li class="_link-type_with_href_17nkn_4286 PAYMENTS"><a href="/us/enterprise/in-person-payments?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav6-Link-In-Person Payments", "event_name": "ppcom_header_nav_clicked" }" aria-label="In-Person Payments ">In-Person Payments</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 data-pa-click="{"link":"HeaderSubnav-SubHeader-RISKMANAGEMENT&OPERATIONS -Risk & Operations","event_name":"ppcom_header_nav_clicked"}" class="_submenu-col__header_17nkn_792">Risk & Operations </h3><ul><li class="_link-type_with_href_17nkn_4286 RISKMANAGEMENT&OPERATIONS "><a href="/us/enterprise/fraud-protection-advanced?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Fraud Protection", "event_name": "ppcom_header_nav_clicked" }" aria-label="Fraud Protection ">Fraud Protection</a></li><li class="_link-type_with_href_17nkn_4286 RISKMANAGEMENT&OPERATIONS "><a href="/us/enterprise/global-payouts?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Payouts", "event_name": "ppcom_header_nav_clicked" }" aria-label="Payouts ">Payouts</a></li><li class="_link-type_with_href_17nkn_4286 RISKMANAGEMENT&OPERATIONS "><a href="/us/enterprise/payment-orchestration?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Orchestration", "event_name": "ppcom_header_nav_clicked" }" aria-label="Orchestration ">Orchestration</a></li><li class="_link-type_with_href_17nkn_4286 RISKMANAGEMENT&OPERATIONS "><a href="/us/enterprise/pci-compliance?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav3-Link-Network Compliance ", "event_name": "ppcom_header_nav_clicked" }" aria-label="Network Compliance ">Network Compliance </a></li><li class="_link-type_with_href_17nkn_4286 RISKMANAGEMENT&OPERATIONS "><a href="/us/enterprise/payment-processing/payment-optimization?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav4-Link-Payment Optimization", "event_name": "ppcom_header_nav_clicked" }" aria-label="Payment Optimization ">Payment Optimization</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 class="submenu-col__header-div"><a href="/us/enterprise/industry-solutions?locale.x=en_US" data-pa-click="{"link":"HeaderSubnav-SubHeader-RESOURCES-Businesses We Serve","event_name":"ppcom_header_nav_clicked"}" tabIndex="0" class="_submenu-col__header_17nkn_792 _submenu-col__header_with_href_17nkn_2564"><span class="_submenu-col__header_text_container_17nkn_4158">Businesses We Serve<span class="_submenu-col__header_with_href_arrow_17nkn_4205"></span></span></a></h3><ul><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/enterprise/industry-solutions/retail?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-Retail", "event_name": "ppcom_header_nav_clicked" }" aria-label="Retail ">Retail</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/enterprise/industry-solutions/travel?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Travel", "event_name": "ppcom_header_nav_clicked" }" aria-label="Travel ">Travel</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/enterprise/industry-solutions/insurance?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Insurance", "event_name": "ppcom_header_nav_clicked" }" aria-label="Insurance ">Insurance</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/enterprise/industry-solutions/ticketing-and-events?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav3-Link-Ticketing & Events", "event_name": "ppcom_header_nav_clicked" }" aria-label="Ticketing & Events ">Ticketing & Events</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/enterprise/industry-solutions/groceries?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav4-Link-Grocery & Food Delivery", "event_name": "ppcom_header_nav_clicked" }" aria-label="Grocery & Food Delivery ">Grocery & Food Delivery</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/enterprise/industry-solutions/platforms-and-marketplaces?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav5-Link-Platform & Marketplaces", "event_name": "ppcom_header_nav_clicked" }" aria-label="Platform & Marketplaces ">Platform & Marketplaces</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/enterprise/industry-solutions/crypto?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav6-Link-Crypto", "event_name": "ppcom_header_nav_clicked" }" aria-label="Crypto ">Crypto</a></li></ul></div><div class="_submenu-col_17nkn_714 _wd-col-3_17nkn_2660"><h3 data-pa-click="{"link":"HeaderSubnav-SubHeader-RESOURCES-Resources","event_name":"ppcom_header_nav_clicked"}" class="_submenu-col__header_17nkn_792">Resources </h3><ul><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/business/platforms-and-marketplaces/solutions?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav0-Link-3rd Party Integrations", "event_name": "ppcom_header_nav_clicked" }" aria-label="3rd Party Integrations ">3rd Party Integrations</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="https://developer.paypal.com/home/" tabIndex="0" data-pa-click="{"link":"HeaderSubnav1-Link-Developer Documentation", "event_name": "ppcom_header_nav_clicked" }" aria-label="Developer Documentation ">Developer Documentation</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/brc/?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav2-Link-Business Resource Center", "event_name": "ppcom_header_nav_clicked" }" aria-label="Business Resource Center ">Business Resource Center</a></li><li class="_link-type_with_href_17nkn_4286 RESOURCES"><a href="/us/webapps/mpp/campaigns/paypal-events?locale.x=en_US" tabIndex="0" data-pa-click="{"link":"HeaderSubnav3-Link-Events", "event_name": "ppcom_header_nav_clicked" }" aria-label="Events ">Events</a></li></ul></div></div><div class="_wd-25_17nkn_2895 _wd-25-3_17nkn_2958"><ul class="_submenu-col_17nkn_714 _dw-submenu-cards_17nkn_1533 _dw-submenu-cards-2_17nkn_4678"><li class="_submenu-card_17nkn_1533"><a href="/us/enterprise/contact-sales?locale.x=en_US" data-pa-click="{"link":"HeaderSubnav-Card-Contact Sales","event_name":"ppcom_header_nav_clicked"}"><img data-src="https://www.paypalobjects.com/marketing/web/US/en/rebrand/pictograms/enterprise-contact.svg" alt="Contact Sales" /><div><div class="_text_17nkn_1533">Contact Sales</div></div></a></li><li class="_submenu-card_17nkn_1533"><a href="/us/enterprise/become-a-partner?locale.x=en_US" data-pa-click="{"link":"HeaderSubnav-Card-Become a Partner","event_name":"ppcom_header_nav_clicked"}"><img data-src="https://www.paypalobjects.com/paypal-ui/pictograms/blue/svg/partner-integration-blue.svg" alt="Become a Partner" /><div><div class="_text_17nkn_1533">Become a Partner</div></div></a></li></ul></div></div></div></div></div></li><li><a id="2Coq4lwsr6A2vPJhmWIFW0" href="https://developer.paypal.com/home/" aria-label="Developer" data-text="Developer" data-pa-click="{"link":"HeaderMainMenu-Link-Developer", "event_name":"ppcom_header_nav_clicked"}" class="_main-link_17nkn_561">Developer</a></li></ul><ul class="_main-menu-list_17nkn_1484"><li><a id="1lrVWz9aCIu8eDUpf1ycuY" href="/us/cshelp/personal?locale.x=en_US" aria-label="Help" data-text="Help" data-pa-click="{"link":"HeaderMainMenu-Link-Help", "event_name":"ppcom_header_nav_clicked"}" class="_main-link_17nkn_561">Help</a></li></ul></div><ul class="_main-menu__sublist_17nkn_1876"><li class="_sublist-cta-wrapper_17nkn_795"><a href="/us/webapps/mpp/account-selection?locale.x=en_US" data-testid="legacy-mobile-signup" data-pa-click="{"link": "HeaderMainMenu0-Cta-Sign Up","event_name":"ppcom_header_signup_clicked"}" role="link" class="_pypl-btn_1q7vs_1 _pypl-btn--outline-white_1q7vs_39">Sign Up</a></li></ul></nav><div data-testid="header-buttons" id="_header-buttons_17nkn_1059" class="_header-buttons_17nkn_1059 _mobile-nav-btn__placeholder-padding_17nkn_3189"><div><a href="/signin?locale.x=en_US" target="_self" id="_ul-btn_17nkn_1" role="link" data-pa-click="{"link": "HeaderMainMenu0-Cta-Log In","event_name":"ppcom_header_login_clicked"}" class="_pypl-btn_17nkn_882 _pypl-btn--small_17nkn_1055 _pypl-btn--outline-white_17nkn_1059">Log In</a><a href="/us/webapps/mpp/account-selection?locale.x=en_US" target="_self" id="_signup-button_17nkn_1" role="link" data-pa-click="{"link": "HeaderMainMenu1-Cta-Sign Up","event_name":"ppcom_header_signup_clicked"}" class="_pypl-btn_17nkn_882 _pypl-btn--outline-white_17nkn_1059 _pypl-btn--small_17nkn_1055 _pypl-btn--outline-white_17nkn_1059 undefined">Sign Up</a></div></div></div></div><div id="dw-overlay-menu-open" class="_dw-overlay-menu-open_17nkn_1444"></div></header></div><div class="document-body" data-testid="document-body-element"><section class="hero hero-layout-featured hero-no-graphic-shapes section-wrapper white-plate grid ppe grid-compact ppcmsnodeweb-uc0026"><div class="hero-content ppcmsnodeweb-18byuhn"><div class="text-group text-group-alignment-center" style="opacity:1;transform:none"><div style="opacity:1;transform:none"><div class="text-group-eyebrow-container"><h1 class="text-group-eyebrow-text body-text-size-body-bold">How PayPal works</h1> </div></div><div style="opacity:1;transform:none"><h2 class="text-group-headline heading-text-size-headline-2">It’s a smart, secure, flexible way to pay.</h2> </div><div style="opacity:1;transform:none"><p class="text-group-paragraph body-text-size-body">Speed through checkout online and in stores. Earn cash back with everyday offers. Send money across the table or across the globe. And manage it all with one account.</p> </div><div class="text-group-content-button-group" style="opacity:1;transform:none"><div class="button-group button-group-align-center button-group-legal-position-bottom text-group-action-group"><div class="button-group-alignment-center"><a class="button-type-primary button-size-dynamic ppcmsnodeweb-zna116-button_base-text_button_lg" data-ppui-info="buttons_7.4.0" aria-label="Get the App" target="_self" data-pa-click="{"link":"top:0:0:Primary:GetTheApp_CTA:clicked","event_name":"top_0_0_Primary_GetTheApp_CTA_clicked"}" href="https://www.paypal.com/us/digital-wallet">Get the App</a><a class="button-type-secondary button-size-dynamic ppcmsnodeweb-15mf51s-button_base-text_button_lg-secondary" data-ppui-info="buttons_7.4.0" aria-label="Sign Up" target="_self" data-pa-click="{"link":"top:0:0:Secondary:SignUp_CTA:clicked","event_name":"top_0_0_Secondary_SignUp_CTA_clicked"}" href="https://www.paypal.com/us/welcome/signup/#/login_info">Sign Up</a></div></div></div></div></div><div class="hero-media ppcmsnodeweb-j3j4on"><div class="hero-media-container"><div class="hero-media-frame image-frame image-frame-no-rounded-corners" style="min-width:100%;min-height:auto;opacity:0;transform:translateX(0rem) translateY(2.25rem) scale(1) translateZ(0)" id="5nB0XAkSXICjszscktOHwP"><picture><source type="image/webp" media="(max-width: 41rem)" srcSet="https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=300&format=webp 300w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=600&format=webp 600w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=900&format=webp 900w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=1200&format=webp 1200w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=1500&format=webp 1500w"/><source type="image/webp" media="(min-width: 41.0625rem) and (max-width: 63.9375rem)" srcSet="https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=300&format=webp 300w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=600&format=webp 600w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=900&format=webp 900w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=1200&format=webp 1200w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=1500&format=webp 1500w"/><source type="image/webp" media="(min-width: 64rem)" srcSet="https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=300&format=webp 300w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=600&format=webp 600w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=900&format=webp 900w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=1200&format=webp 1200w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=1500&format=webp 1500w"/><source type="image/avif" media="(max-width: 41rem)" srcSet="https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=300&format=avif 300w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=600&format=avif 600w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=900&format=avif 900w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=1200&format=avif 1200w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=1500&format=avif 1500w"/><source type="image/avif" media="(min-width: 41.0625rem) and (max-width: 63.9375rem)" srcSet="https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=300&format=avif 300w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=600&format=avif 600w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=900&format=avif 900w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=1200&format=avif 1200w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=1500&format=avif 1500w"/><source type="image/avif" media="(min-width: 64rem)" srcSet="https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=300&format=avif 300w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=600&format=avif 600w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=900&format=avif 900w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=1200&format=avif 1200w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-tablet-up.jpg?quality=75&width=1500&format=avif 1500w"/><img alt="Woman standing outside in the sun holding her phone" aria-hidden="false" src="https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=300" srcSet="https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=300 300w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=600 600w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=900 900w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=1200 1200w,https://www.paypalobjects.com/marketing/web23/us/en/ppe/how-paypal-works/hero_size-mobile-up.jpg?quality=75&width=1500 1500w" fetchpriority="high"/></picture></div></div></div></section><section class="layered-card-section section-wrapper white-plate grid ppe grid-compact ppcmsnodeweb-dywr6a" style="opacity:0;transform:translateX(0rem) translateY(0rem) scale(1) translateZ(0)"><div class="text-header-inner layered-card-section-header ppcmsnodeweb-1rpqgxa"><div class="text-group text-group-alignment-start" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><h2 class="text-group-headline heading-text-size-headline-4">Get started with PayPal. Here’s how:</h2> </div></div></div><div class="ppcmsnodeweb-y59vw7"><div><div class="layered-card-section-cards-container" style="margin-bottom:96px"><div class="layered-card-section-card-sticky-wrapper"><div class="layered-card-section-card-container" style="top:0px"><div style="transform:none" class="layered-card-motion-card-container"><div class="neutral-100-plate layered-card"><div class="layered-card-header-container"><div class="text-header-inner layered-card-header ppcmsnodeweb-1rpqgxa"><div class="text-group text-group-alignment-start" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><h3 class="text-group-headline heading-text-size-headline-5">Create your account</h3> </div><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><p class="text-group-paragraph body-text-size-body">Start with your email and phone number. Then create a password. We’ll walk you through it.</p> </div><div class="text-group-content-button-group" style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><div class="button-group button-group-align-start button-group-legal-position-bottom text-group-action-group"><div class="button-group-alignment-start"><a class="button-type-secondary button-size-dynamic ppcmsnodeweb-15mf51s-button_base-text_button_lg-secondary" data-ppui-info="buttons_7.4.0" aria-label="Sign Up" target="_self" data-pa-click="{"link":"middle:0:0:Secondary:Button_CTA:clicked","event_name":"middle_0_0_Secondary_Button_CTA_clicked"}" href="https://www.paypal.com/us/welcome/signup/#/login_info">Sign Up</a></div></div></div></div></div></div><div class="layered-card-media-container"><div class="image-frame image-frame-no-rounded-corners" style="min-height:12.5rem;min-width:auto;opacity:0;transform:translateX(0rem) translateY(2.25rem) scale(1) translateZ(0)"></div></div></div></div></div></div><div class="layered-card-section-card-sticky-wrapper"><div class="layered-card-section-card-container" style="top:32px"><div style="transform:none" class="layered-card-motion-card-container"><div class="neutral-200-plate layered-card"><div class="layered-card-header-container"><div class="text-header-inner layered-card-header ppcmsnodeweb-1rpqgxa"><div class="text-group text-group-alignment-start" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><h3 class="text-group-headline heading-text-size-headline-5">Set up your PayPal Debit Card<sup>1</sup></h3> </div><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><p class="text-group-paragraph body-text-size-body">Pick your monthly cash back category. Pay online and in stores. Earn 5% cash back on up to $1,000 spent in your cash back category per month.<sup>2</sup></p> </div><div class="text-group-content-button-group" style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><div class="button-group button-group-align-start button-group-legal-position-bottom text-group-action-group"><div class="button-group-alignment-start"><a class="button-type-secondary button-size-dynamic ppcmsnodeweb-15mf51s-button_base-text_button_lg-secondary" data-ppui-info="buttons_7.4.0" aria-label="Request the Card" target="_self" data-pa-click="{"link":"middle:0:1:Secondary:Button_CTA:clicked","event_name":"middle_0_1_Secondary_Button_CTA_clicked"}" href="https://www.paypal.com/us/webapps/mpp/cms-redirect/apply-for-ppcash-card">Request the Card</a></div></div></div></div></div></div><div class="layered-card-media-container"><div class="image-frame image-frame-no-rounded-corners" style="min-height:12.5rem;min-width:auto;opacity:0;transform:translateX(0rem) translateY(2.25rem) scale(1) translateZ(0)"></div></div></div></div></div></div><div class="layered-card-section-card-sticky-wrapper"><div class="layered-card-section-card-container" style="top:64px"><div style="transform:none" class="layered-card-motion-card-container"><div class="neutral-300-plate layered-card"><div class="layered-card-header-container"><div class="text-header-inner layered-card-header ppcmsnodeweb-1rpqgxa"><div class="text-group text-group-alignment-start" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><h3 class="text-group-headline heading-text-size-headline-5">Link your bank</h3> </div><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><p class="text-group-paragraph body-text-size-body">Add money to your PayPal balance<sup>3</sup> so you’re ready to shop, send, and save.</p> </div><div class="text-group-content-button-group" style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><div class="button-group button-group-align-start button-group-legal-position-bottom text-group-action-group"><div class="button-group-alignment-start"><a class="button-type-secondary button-size-dynamic ppcmsnodeweb-15mf51s-button_base-text_button_lg-secondary" data-ppui-info="buttons_7.4.0" aria-label="Add a Bank" target="_self" data-pa-click="{"link":"middle:0:2:Secondary:Button_CTA:clicked","event_name":"middle_0_2_Secondary_Button_CTA_clicked"}" href="https://www.paypal.com/us/digital-wallet/ways-to-pay/add-payment-method">Add a Bank</a></div></div></div></div></div></div><div class="layered-card-media-container"><div class="image-frame image-frame-no-rounded-corners" style="min-height:12.5rem;min-width:auto;opacity:0;transform:translateX(0rem) translateY(2.25rem) scale(1) translateZ(0)"></div></div></div></div></div></div><div class="layered-card-section-card-sticky-wrapper"><div class="layered-card-section-card-container" style="top:96px"><div style="transform:none" class="layered-card-motion-card-container"><div class="blue-400-plate layered-card"><div class="layered-card-header-container"><div class="text-header-inner layered-card-header ppcmsnodeweb-1rpqgxa"><div class="text-group text-group-alignment-start" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><h3 class="text-group-headline heading-text-size-headline-5">Make sure you’ve got the app</h3> </div><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><p class="text-group-paragraph body-text-size-body">Pay, send, and save smarter on the go. And stay in control of your money with tracking, alerts, security features, and more.</p> </div><div class="text-group-content-button-group" style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><div class="button-group button-group-align-start button-group-legal-position-bottom text-group-action-group"><div class="button-group-alignment-start"><a class="button-type-secondary button-size-dynamic ppcmsnodeweb-15mf51s-button_base-text_button_lg-secondary" data-ppui-info="buttons_7.4.0" aria-label="Get the App" target="_self" data-pa-click="{"link":"middle:0:3:Secondary:Button_CTA:clicked","event_name":"middle_0_3_Secondary_Button_CTA_clicked"}" href="https://www.paypal.com/us/digital-wallet">Get the App</a></div></div></div></div></div></div><div class="layered-card-media-container"><div class="image-frame image-frame-no-rounded-corners" style="min-height:12.5rem;min-width:auto;opacity:0;transform:translateX(0rem) translateY(2.25rem) scale(1) translateZ(0)"></div></div></div></div></div></div></div></div></div></section><section class="text-section section-wrapper neutral-100-plate grid ppe grid-compact ppcmsnodeweb-d0h82c" style="opacity:0;transform:translateX(0rem) translateY(0rem) scale(1) translateZ(0)"><div class="text-header-inner text-section-alignment-8-col-center ppcmsnodeweb-1on851j"><div class="text-group text-group-alignment-center" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><h2 class="text-group-headline heading-text-size-headline-4">Get even more out of PayPal</h2> </div></div></div></section><section class="split-section section-wrapper neutral-100-plate grid ppe grid-compact ppcmsnodeweb-1dz0bod" style="opacity:0;transform:translateX(0rem) translateY(0rem) scale(1) translateZ(0)"><div class="split-section-item-start-col ppcmsnodeweb-9kdpj4"><div class="split-section-item-media-container split-section-item-ratio-1-1-large"><div class="image-frame image-frame-no-rounded-corners" style="min-height:12.5rem;min-width:auto;opacity:0;transform:translateX(0rem) translateY(2.25rem) scale(1) translateZ(0)"></div></div></div><div class="split-section-item-end-col split-section-item-text ppcmsnodeweb-19lxvfv"><div class="text-group text-group-alignment-start split-section-item-auto-height" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><h3 class="text-group-headline heading-text-size-headline-5">Earn cash back on purchases</h3> </div><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><p class="text-group-paragraph body-text-size-body">Discover online offers from brands you love in the app.<sup>4</sup> If it’s in your monthly category, check out with PayPal and use your PayPal Debit Card<sup>1</sup> and add 5% cash back<sup>2</sup> on top.</p> </div><div class="text-group-content-button-group" style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><div class="button-group button-group-align-start button-group-legal-position-bottom text-group-action-group"><div class="button-group-alignment-start"><a class="button-type-primary button-size-dynamic ppcmsnodeweb-zna116-button_base-text_button_lg" data-ppui-info="buttons_7.4.0" aria-label="Check Out the Offers" target="_self" data-pa-click="{"link":"middle:2:0:Primary:Button_CTA:clicked","event_name":"middle_2_0_Primary_Button_CTA_clicked"}" href="https://www.paypal.com/offers/">Check Out the Offers</a><a class="button-type-secondary button-size-dynamic ppcmsnodeweb-15mf51s-button_base-text_button_lg-secondary" data-ppui-info="buttons_7.4.0" aria-label="Learn About the Debit Card" target="_self" data-pa-click="{"link":"middle:2:0:Secondary:Button_CTA:clicked","event_name":"middle_2_0_Secondary_Button_CTA_clicked"}" href="https://www.paypal.com/us/digital-wallet/manage-money/paypal-debit-card">Learn About the Debit Card</a></div></div></div></div></div></section><section class="split-section section-wrapper neutral-100-plate grid ppe grid-compact ppcmsnodeweb-1dz0bod" style="opacity:0;transform:translateX(0rem) translateY(0rem) scale(1) translateZ(0)"><div class="split-section-item-start-col ppcmsnodeweb-i1u9u5"><div class="split-section-item-media-container split-section-item-ratio-3-4-large"><div class="image-frame image-frame-rounded-corners" style="min-height:12.5rem;min-width:auto;opacity:0;transform:translateX(0rem) translateY(2.25rem) scale(1) translateZ(0)"></div></div></div><div class="split-section-item-end-col split-section-item-text ppcmsnodeweb-1ej2epk"><div class="text-group text-group-alignment-start split-section-item-auto-height" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><h3 class="text-group-headline heading-text-size-headline-5">Check out with more choices</h3> </div><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><p class="text-group-paragraph body-text-size-body">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.<sup>1</sup> Need some extra time? Choose one of our Pay Later options.</p> </div><div class="text-group-content-button-group" style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><div class="button-group button-group-align-start button-group-legal-position-bottom text-group-action-group"><div class="button-group-alignment-start"><a class="button-type-primary button-size-dynamic ppcmsnodeweb-zna116-button_base-text_button_lg" data-ppui-info="buttons_7.4.0" target="_self" data-pa-click="{"link":"middle:3:0:Primary:Button_CTA:clicked","event_name":"middle_3_0_Primary_Button_CTA_clicked"}" href="https://www.paypal.com/us/digital-wallet/ways-to-pay/checkout-with-paypal">Paying with PayPal</a><a class="button-type-secondary button-size-dynamic ppcmsnodeweb-15mf51s-button_base-text_button_lg-secondary" data-ppui-info="buttons_7.4.0" aria-label="Buy Now, Pay Later" target="_self" data-pa-click="{"link":"middle:3:0:Secondary:Button_CTA:clicked","event_name":"middle_3_0_Secondary_Button_CTA_clicked"}" href="https://www.paypal.com/us/digital-wallet/ways-to-pay/buy-now-pay-later">Buy Now, Pay Later</a></div></div></div></div></div></section><section class="text-section section-wrapper blue-400-plate grid ppe grid-compact ppcmsnodeweb-d0h82c" style="opacity:0;transform:translateX(0rem) translateY(0rem) scale(1) translateZ(0)"><div class="text-header-inner text-section-alignment-8-col-center ppcmsnodeweb-1on851j"><div class="text-group text-group-alignment-center" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><h2 class="text-group-headline heading-text-size-headline-4">Send and receive</h2> <h2 class="text-group-headline heading-text-size-headline-4">money with confidence</h2> </div></div></div></section><section class="stack-section section-wrapper blue-400-plate grid ppe grid-compact ppcmsnodeweb-ivm9ae" style="opacity:0;transform:translateX(0rem) translateY(0rem) scale(1) translateZ(0)"><div class="ppcmsnodeweb-18byuhn"><div class="_custom-media-frame_ _custom-media-frame-animation-type-default_yccmr_3 image-frame image-frame-no-rounded-corners" style="min-width:auto;min-height:auto;opacity:0;transform:translateX(0rem) translateY(2.25rem) scale(1) translateZ(0)"></div></div></section><section class="text-section section-wrapper blue-400-plate grid ppe grid-compact ppcmsnodeweb-zru8kj" style="opacity:0;transform:translateX(0rem) translateY(0rem) scale(1) translateZ(0)"><div class="text-header-inner text-section-alignment-12-col-start-to-end ppcmsnodeweb-1rpqgxa"><div class="text-group text-group-alignment-start" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div class="text-group-feature-list-wrapper" style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><ul class="feature-list"><li class="feature-list-item"><span class="feature-list-item-bullet" aria-hidden="true"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="checkmark Black checkmark-size-body-large" aria-label="checkmark-icon"><circle cx="12" cy="12" r="12" fill="#EDEDED"></circle><path fill-rule="evenodd" clip-rule="evenodd" d="M16.6551 8.51722C17.0724 8.878 17.1174 9.50779 16.7556 9.92389L11.5533 15.907C11.3634 16.1255 11.0877 16.251 10.7978 16.251C10.5078 16.251 10.2321 16.1255 10.0422 15.907L7.24446 12.6892C6.88267 12.2731 6.92765 11.6433 7.34493 11.2825C7.76222 10.9218 8.39378 10.9666 8.75557 11.3827L10.7978 13.7316L15.2445 8.61739C15.6063 8.20129 16.2378 8.15644 16.6551 8.51722Z" fill="#515354"></path></svg></span><p class="feature-list-item-text body-text-size-body-large">Join the millions who trust PayPal to send money across the globe.<sup>5</sup></p> </li><li class="feature-list-item"><span class="feature-list-item-bullet" aria-hidden="true"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="checkmark Black checkmark-size-body-large" aria-label="checkmark-icon"><circle cx="12" cy="12" r="12" fill="#EDEDED"></circle><path fill-rule="evenodd" clip-rule="evenodd" d="M16.6551 8.51722C17.0724 8.878 17.1174 9.50779 16.7556 9.92389L11.5533 15.907C11.3634 16.1255 11.0877 16.251 10.7978 16.251C10.5078 16.251 10.2321 16.1255 10.0422 15.907L7.24446 12.6892C6.88267 12.2731 6.92765 11.6433 7.34493 11.2825C7.76222 10.9218 8.39378 10.9666 8.75557 11.3827L10.7978 13.7316L15.2445 8.61739C15.6063 8.20129 16.2378 8.15644 16.6551 8.51722Z" fill="#515354"></path></svg></span><p class="feature-list-item-text body-text-size-body-large">Send money fast to just about anyone in 110+ countries. All you need is their name, email, or phone number.</p> </li><li class="feature-list-item"><span class="feature-list-item-bullet" aria-hidden="true"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="checkmark Black checkmark-size-body-large" aria-label="checkmark-icon"><circle cx="12" cy="12" r="12" fill="#EDEDED"></circle><path fill-rule="evenodd" clip-rule="evenodd" d="M16.6551 8.51722C17.0724 8.878 17.1174 9.50779 16.7556 9.92389L11.5533 15.907C11.3634 16.1255 11.0877 16.251 10.7978 16.251C10.5078 16.251 10.2321 16.1255 10.0422 15.907L7.24446 12.6892C6.88267 12.2731 6.92765 11.6433 7.34493 11.2825C7.76222 10.9218 8.39378 10.9666 8.75557 11.3827L10.7978 13.7316L15.2445 8.61739C15.6063 8.20129 16.2378 8.15644 16.6551 8.51722Z" fill="#515354"></path></svg></span><p class="feature-list-item-text body-text-size-body-large">Your money is available as soon as it hits your PayPal balance.<sup>3</sup> Use it to shop, pay bills, donate, transfer to your bank, and more.</p> </li><li class="feature-list-item"><span class="feature-list-item-bullet" aria-hidden="true"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg" class="checkmark Black checkmark-size-body-large" aria-label="checkmark-icon"><circle cx="12" cy="12" r="12" fill="#EDEDED"></circle><path fill-rule="evenodd" clip-rule="evenodd" d="M16.6551 8.51722C17.0724 8.878 17.1174 9.50779 16.7556 9.92389L11.5533 15.907C11.3634 16.1255 11.0877 16.251 10.7978 16.251C10.5078 16.251 10.2321 16.1255 10.0422 15.907L7.24446 12.6892C6.88267 12.2731 6.92765 11.6433 7.34493 11.2825C7.76222 10.9218 8.39378 10.9666 8.75557 11.3827L10.7978 13.7316L15.2445 8.61739C15.6063 8.20129 16.2378 8.15644 16.6551 8.51722Z" fill="#515354"></path></svg></span><p class="feature-list-item-text body-text-size-body-large">Split any bill among multiple people—or pool money for group gifts, experiences, and more.<sup>6</sup></p> </li></ul></div><div class="text-group-content-button-group" style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><div class="button-group button-group-align-start button-group-legal-position-bottom text-group-action-group"><div class="button-group-alignment-start"><a class="button-type-secondary button-size-dynamic ppcmsnodeweb-15mf51s-button_base-text_button_lg-secondary" data-ppui-info="buttons_7.4.0" aria-label="Get the App" target="_self" data-pa-click="{"link":"middle:6:0:Secondary:Button_CTA:clicked","event_name":"middle_6_0_Secondary_Button_CTA_clicked"}" href="https://www.paypal.com/us/digital-wallet">Get the App</a></div></div></div></div></div></section><section class="split-section section-wrapper white-plate grid ppe grid-compact ppcmsnodeweb-1dz0bod" style="opacity:0;transform:translateX(0rem) translateY(0rem) scale(1) translateZ(0)"><div class="split-section-item-start-col ppcmsnodeweb-i1u9u5"><div class="split-section-item-media-container split-section-item-ratio-1-1-large"><div class="image-frame image-frame-no-rounded-corners" style="min-height:12.5rem;min-width:auto;opacity:0;transform:translateX(0rem) translateY(2.25rem) scale(1) translateZ(0)"></div></div></div><div class="split-section-item-end-col split-section-item-text ppcmsnodeweb-1ej2epk"><div class="text-group text-group-alignment-start split-section-item-auto-height" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><h2 class="text-group-headline heading-text-size-headline-5">Pay it safe with built-in security</h2> </div><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><p class="text-group-paragraph body-text-size-body">Your transactions are encrypted. Plus, we've got your back on eligible purchases with PayPal Purchase Protection.<sup>7</sup></p> </div><div class="text-group-content-button-group" style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><div class="button-group button-group-align-start button-group-legal-position-bottom text-group-action-group"><div class="button-group-alignment-start"><a class="button-type-secondary button-size-dynamic ppcmsnodeweb-15mf51s-button_base-text_button_lg-secondary" data-ppui-info="buttons_7.4.0" aria-label="Learn About PayPal Security" target="_self" data-pa-click="{"link":"middle:7:0:Secondary:Button_CTA:clicked","event_name":"middle_7_0_Secondary_Button_CTA_clicked"}" href="https://www.paypal.com/us/digital-wallet/security-and-protection">Learn About PayPal Security</a></div></div></div></div></div></section><section class="accordion accordion-theme-white section-wrapper white-plate grid ppe grid-compact ppcmsnodeweb-7gb3x9" style="opacity:0;transform:translateX(0rem) translateY(0rem) scale(1) translateZ(0)"><div class="ppcmsnodeweb-tmvyzy"><div class="text-group text-group-alignment-start accordion-headline" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><h2 class="text-group-headline heading-text-size-headline-4">Frequently asked questions</h2> </div></div></div><div class="ppcmsnodeweb-tmvyzy"><div class="accordion-item"><button type="button" class="accordion-item-headline" id="accordion-row1" aria-controls="accordion-content1" aria-expanded="true" data-pa-click="{"link":"accordionItemHeader-Primary-What is PayPal?","event_name":"consumer_button_cta_clicked"}"><div class="accordion-item-headline-container"><div class="accordion-item-headline-text-container"><h3 class="accordion-item-headline-text heading-text-size-title">What is PayPal?</h3> </div><div class="accordion-item-icon accordion-item-icon-theme-white"><span class="ppcmsnodeweb-1bk0n6-svg-size_md" data-ppui-info="icons_8.24.0__7.46.0" aria-hidden="true" data-ppui="true"><svg xmlns="http://www.w3.org/2000/svg" fill="currentColor" viewBox="0 0 24 24" width="1em" height="1em" data-ppui="true"><path d="M13 5a1 1 0 1 0-2 0v6H5a1 1 0 1 0 0 2h6v6a1 1 0 1 0 2 0v-6h6a1 1 0 1 0 0-2h-6V5z" data-ppui="true"></path></svg></span></div></div></button><div id="accordion-content1" aria-labelledby="accordion-row1" role="region" style="height:0px;opacity:0;display:none"><p class="body-text-size-body">PayPal is an online payment system that allows you to send and receive money around the world. You can link your credit card, debit card, or bank account. You can also set up a PayPal Balance account.<sup>3</sup></p> </div></div><div class="accordion-item"><button type="button" class="accordion-item-headline" id="accordion-row2" aria-controls="accordion-content2" aria-expanded="false" data-pa-click="{"link":"accordionItemHeader-Primary-How do I sign up for an account with PayPal","event_name":"consumer_button_cta_clicked"}"><div class="accordion-item-headline-container"><div class="accordion-item-headline-text-container"><h3 class="accordion-item-headline-text heading-text-size-title">How do I sign up for an account with PayPal</h3> </div><div class="accordion-item-icon accordion-item-icon-theme-white"><span class="ppcmsnodeweb-1bk0n6-svg-size_md" data-ppui-info="icons_8.24.0__7.46.0" aria-hidden="true" data-ppui="true"><svg xmlns="http://www.w3.org/2000/svg" fill="currentColor" viewBox="0 0 24 24" width="1em" height="1em" data-ppui="true"><path d="M13 5a1 1 0 1 0-2 0v6H5a1 1 0 1 0 0 2h6v6a1 1 0 1 0 2 0v-6h6a1 1 0 1 0 0-2h-6V5z" data-ppui="true"></path></svg></span></div></div></button><div id="accordion-content2" aria-labelledby="accordion-row2" role="region" style="height:0px;opacity:0;display:none"><p class="body-text-size-body">Here’s how you can sign up on the app:</p> <ul><li class="body-text-size-body">Select Sign Up</li><li class="body-text-size-body">Enter your email, phone number, and personal info</li><li class="body-text-size-body">Link your bank or card to start sending, spending, and saving</li></ul></div></div><div class="accordion-item"><button type="button" class="accordion-item-headline" id="accordion-row3" aria-controls="accordion-content3" aria-expanded="false" data-pa-click="{"link":"accordionItemHeader-Primary-Is my account with PayPal secure?","event_name":"consumer_button_cta_clicked"}"><div class="accordion-item-headline-container"><div class="accordion-item-headline-text-container"><h3 class="accordion-item-headline-text heading-text-size-title">Is my account with PayPal secure?</h3> </div><div class="accordion-item-icon accordion-item-icon-theme-white"><span class="ppcmsnodeweb-1bk0n6-svg-size_md" data-ppui-info="icons_8.24.0__7.46.0" aria-hidden="true" data-ppui="true"><svg xmlns="http://www.w3.org/2000/svg" fill="currentColor" viewBox="0 0 24 24" width="1em" height="1em" data-ppui="true"><path d="M13 5a1 1 0 1 0-2 0v6H5a1 1 0 1 0 0 2h6v6a1 1 0 1 0 2 0v-6h6a1 1 0 1 0 0-2h-6V5z" data-ppui="true"></path></svg></span></div></div></button><div id="accordion-content3" aria-labelledby="accordion-row3" role="region" style="height:0px;opacity:0;display:none"><p class="body-text-size-body">PayPal works to protect your financial data, payments, and eligible purchases.<sup>8</sup> Your transactions are encrypted to ensure your full financial information remains private. We don't share your full financial details.</p> <p class="body-text-size-body">With early fraud detection<sup>8</sup> on many PayPal transactions and app alerts, we're proactive about your security. Plus, PayPal Purchase Protection<sup>7</sup> offers peace of mind by covering eligible purchases.</p> </div></div><div class="accordion-item"><button type="button" class="accordion-item-headline" id="accordion-row4" aria-controls="accordion-content4" aria-expanded="false" data-pa-click="{"link":"accordionItemHeader-Primary-What are the benefits of opening a PayPal account?","event_name":"consumer_button_cta_clicked"}"><div class="accordion-item-headline-container"><div class="accordion-item-headline-text-container"><h3 class="accordion-item-headline-text heading-text-size-title">What are the benefits of opening a PayPal account?</h3> </div><div class="accordion-item-icon accordion-item-icon-theme-white"><span class="ppcmsnodeweb-1bk0n6-svg-size_md" data-ppui-info="icons_8.24.0__7.46.0" aria-hidden="true" data-ppui="true"><svg xmlns="http://www.w3.org/2000/svg" fill="currentColor" viewBox="0 0 24 24" width="1em" height="1em" data-ppui="true"><path d="M13 5a1 1 0 1 0-2 0v6H5a1 1 0 1 0 0 2h6v6a1 1 0 1 0 2 0v-6h6a1 1 0 1 0 0-2h-6V5z" data-ppui="true"></path></svg></span></div></div></button><div id="accordion-content4" aria-labelledby="accordion-row4" role="region" style="height:0px;opacity:0;display:none"><p class="body-text-size-body">PayPal offers fast online payments around the world. It's free to sign up to send and receive money.<sup>5</sup> You get cash back on purchases from a wide range of brands when you check out online with PayPal.<sup>4</sup> Earn 5% cash back<sup>2</sup> on your favorite monthly spending category with the PayPal Debit Card.<sup>1</sup> Or get the PayPal Cashback Mastercard®<sup>9</sup> to earn 3% cash back on PayPal purchases and 1.5% cash back on anything else where Mastercard is accepted. Plus, you can combine offers. Plus, roll your cash back into a high-yield PayPal Savings account to earn a current 4.00% APY.<sup>10</sup></p> </div></div><div class="accordion-item"><button type="button" class="accordion-item-headline" id="accordion-row5" aria-controls="accordion-content5" aria-expanded="false" data-pa-click="{"link":"accordionItemHeader-Primary-What are the main features of PayPal?","event_name":"consumer_button_cta_clicked"}"><div class="accordion-item-headline-container"><div class="accordion-item-headline-text-container"><h3 class="accordion-item-headline-text heading-text-size-title">What are the main features of PayPal?</h3> </div><div class="accordion-item-icon accordion-item-icon-theme-white"><span class="ppcmsnodeweb-1bk0n6-svg-size_md" data-ppui-info="icons_8.24.0__7.46.0" aria-hidden="true" data-ppui="true"><svg xmlns="http://www.w3.org/2000/svg" fill="currentColor" viewBox="0 0 24 24" width="1em" height="1em" data-ppui="true"><path d="M13 5a1 1 0 1 0-2 0v6H5a1 1 0 1 0 0 2h6v6a1 1 0 1 0 2 0v-6h6a1 1 0 1 0 0-2h-6V5z" data-ppui="true"></path></svg></span></div></div></button><div id="accordion-content5" aria-labelledby="accordion-row5" role="region" style="height:0px;opacity:0;display:none"><p class="body-text-size-body">With PayPal you can send and request money, shop online or in stores with the PayPal Debit Card, manage bank and card info, get cash back offers, and enjoy flexible payment options. Please note PayPal services may vary from country to country. <a href="https://www.paypal.com/us/webapps/mpp/country-worldwide" target="_self" rel="" class="html-text-renderer-link" data-pa-click="{"link":"Accordion-Link--Learn which services are offered by country or region","event_name":"consumer_text_link_clicked"}">Learn which services are offered by country or region</a>.</p> </div></div><div class="accordion-item"><button type="button" class="accordion-item-headline" id="accordion-row6" aria-controls="accordion-content6" aria-expanded="false" data-pa-click="{"link":"accordionItemHeader-Primary-What are the different ways to pay with PayPal?","event_name":"consumer_button_cta_clicked"}"><div class="accordion-item-headline-container"><div class="accordion-item-headline-text-container"><h3 class="accordion-item-headline-text heading-text-size-title">What are the different ways to pay with PayPal?</h3> </div><div class="accordion-item-icon accordion-item-icon-theme-white"><span class="ppcmsnodeweb-1bk0n6-svg-size_md" data-ppui-info="icons_8.24.0__7.46.0" aria-hidden="true" data-ppui="true"><svg xmlns="http://www.w3.org/2000/svg" fill="currentColor" viewBox="0 0 24 24" width="1em" height="1em" data-ppui="true"><path d="M13 5a1 1 0 1 0-2 0v6H5a1 1 0 1 0 0 2h6v6a1 1 0 1 0 2 0v-6h6a1 1 0 1 0 0-2h-6V5z" data-ppui="true"></path></svg></span></div></div></button><div id="accordion-content6" aria-labelledby="accordion-row6" role="region" style="height:0px;opacity:0;display:none"><p class="body-text-size-body">PayPal offers a wide array of payment options for flexibility and convenience. You can use your popular debit and credit cards—including Visa, Mastercard, Discover, and American Express—or your bank account. This includes options like the PayPal Debit Card<sup>1</sup> and PayPal Cashback Mastercard®.<sup>9</sup> Additionally, PayPal Pay Later provides an option to split your payments, catering to various financial preferences and needs.</p> </div></div></div></section><section class="cta-section cta-section-layout-qr-only-stack section-wrapper blue-400-plate grid ppe grid-compact ppcmsnodeweb-dywr6a" style="opacity:0;transform:translateX(0rem) translateY(0rem) scale(1) translateZ(0)"><div class="cta-section-item ppcmsnodeweb-y59vw7"><div class="text-group text-group-alignment-center cta-section-text-group cta-section-text-group-extra-spacing" style="opacity:0;transform:translateX(0.75px) translateY(0.75px) scale(1) translateZ(0)"><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><h2 class="text-group-headline heading-text-size-display-2">All in</h2> <h2 class="text-group-headline heading-text-size-display-2">the new</h2> <h2 class="text-group-headline heading-text-size-display-2">PayPal app</h2> </div><div style="opacity:0;transform:translateX(0.75rem) translateY(0.75rem) scale(1) translateZ(0)"><p class="text-group-paragraph body-text-size-body-large">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.</p> </div></div></div><div class="cta-section-item ppcmsnodeweb-1ahp8oa"><div class="app-download-group app-download-group-variant-qr-code-only cta-section-app-download" imageFrameWrapper="[object Object]" imageFrameProps="[object Object]" id="63LrnDdPEpWHzogXoX77RD" componentType="AppDownloadGroup"><div class="app-download-group-row app-download-group-row-align-center"><div class="app-download-group-col"><div class="app-download-group-image-container qr-code-fallback-large qr-code-show"><div class="qr-code-image-container image-frame image-frame-no-rounded-corners" style="min-height:7.875rem;min-width:7.875rem;opacity:1;transform:none"></div></div><div class="qr-code qr-code-large app-download-group-image-container qr-code-hide"><div class="qr-code-image-container" role="img" aria-label="A QR code you can scan with the camera on your phone to download the PayPal app"></div></div><div class="app-download-group-cta-desktop-container"><a class="app-download-group-cta button-type-tertiary button-size-large ppcmsnodeweb-102ot6b-tertiary-text_button_lg" data-ppui-info="buttons_7.4.0" aria-label="Get the app" target="_self" data-pa-click="{"link":"bottom:1:0:Tertiary:GetTheApp_CTA:clicked","event_name":"bottom_1_0_Tertiary_GetTheApp_CTA_clicked"}" href="https://paypal.com/mobile-app/dashboard?source=%252Fdigital-wallet%252Fhow-paypal-works_cta&pp_ref_id=ffebf70a-b9e4-4720-948e-59a3757760d7&utm_campaign=&utm_medium=web&utm_source=%2Fdigital-wallet%2Fhow-paypal-works&cust=&redirect=true">Get the app</a></div></div></div><div class="app-download-group-row app-download-group-row-align-center app-download-group-row-mobile"><div class="button-group button-group-align-center button-group-legal-position-bottom app-download-group-cta-group"><div class="button-group-alignment-center"><a class="button-type-primary button-size-dynamic ppcmsnodeweb-zna116-button_base-text_button_lg" data-ppui-info="buttons_7.4.0" aria-label="Get the 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class="_footer-link_frxy7_522">Cookies</a></li><li id="68aq0vxQOuns66kX7d3sF8" class><a href="/us/legalhub/home?locale.x=en_US" target="_self" data-pa-click="Footer-Link-Legal" class="_footer-link_frxy7_522">Legal</a></li></ul></div></div><div class="_row_frxy7_506"><div class="_links-container_frxy7_509"><p data-testid="footer-note-0" class="_footer-notes_frxy7_542">PayPal is located at 2211 N 1st St. San Jose, CA 95131</p></div></div></div></footer></div> <div class="disclosure-text-color disclosure ppe" style="opacity:0;transform:translateX(0rem) translateY(0rem) scale(1) translateZ(0)"><div class="disclosure-item multi-line-text body-text-size-caption"><div class="multi-line-text-sup"><sup>1</sup></div><div class="multi-line-text-paragraph">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. </div></div><div class="disclosure-item multi-line-text multi-line-text-wo-sup body-text-size-caption"><div class="multi-line-text-paragraph">PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance Account. See <a href="https://www.paypal.com/us/legalhub/pp-balance-tnc#holding" target="_self" rel="" class="html-text-renderer-link" data-pa-click="{"link":"Disclosure-Link--PayPal Balance Terms and Conditions","event_name":"consumer_text_link_clicked"}">PayPal Balance Terms and Conditions</a>. </div></div><div class="disclosure-item multi-line-text multi-line-text-wo-sup body-text-size-caption"><div class="multi-line-text-paragraph">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 <a href="https://www.paypal.com/us/legalhub/program-banks-tnc?locale.x=en_US" target="_self" rel="" class="html-text-renderer-link" data-pa-click="{"link":"Disclosure-Link--Program Banks","event_name":"consumer_text_link_clicked"}">Program Banks</a>, 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 <a href="https://www.paypal.com/us/legalhub/program-banks-tnc?locale.x=en_US" target="_self" rel="" class="html-text-renderer-link" data-pa-click="{"link":"Disclosure-Link--Program Bank","event_name":"consumer_text_link_clicked"}">Program Bank</a>, 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 <a href="https://www.paypal.com/us/legalhub/pp-balance-tnc#holding" target="_self" rel="" class="html-text-renderer-link" data-pa-click="{"link":"Disclosure-Link--PayPal Balance Terms and Conditions","event_name":"consumer_text_link_clicked"}">PayPal Balance Terms and Conditions</a>. </div></div><div class="disclosure-item multi-line-text body-text-size-caption"><div class="multi-line-text-sup"><sup>2</sup></div><div class="multi-line-text-paragraph">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. <a href="https://www.paypal.com/us/campaign/ppdc-debit-5per-cashback-category-tnc" target="_self" rel="" class="html-text-renderer-link" data-pa-click="{"link":"Disclosure-Link--Terms apply","event_name":"consumer_text_link_clicked"}">Terms apply</a>. </div></div><div class="disclosure-item multi-line-text body-text-size-caption"><div class="multi-line-text-sup"><sup>3</sup></div><div class="multi-line-text-paragraph">A PayPal Balance account is required to maintain and use a balance. </div></div><div class="disclosure-item multi-line-text body-text-size-caption"><div class="multi-line-text-sup"><sup>4</sup></div><div class="multi-line-text-paragraph">Check offer for details. Redeem points for cash or other options. Offer terms, <a href="https://www.paypal.com/us/legalhub/pp-rewards-program-tnc" target="_self" rel="" class="html-text-renderer-link" data-pa-click="{"link":"Disclosure-Link--PayPal Rewards terms and exclusions","event_name":"consumer_text_link_clicked"}">PayPal Rewards terms and exclusions</a> apply. </div></div><div class="disclosure-item multi-line-text body-text-size-caption"><div class="multi-line-text-sup"><sup>5</sup></div><div class="multi-line-text-paragraph">An account with PayPal is required to send and receive money, and use PayPal.Me. </div></div><div class="disclosure-item multi-line-text body-text-size-caption"><div class="multi-line-text-sup"><sup>6</sup></div><div class="multi-line-text-paragraph">A PayPal Balance account is required to create a pool. </div></div><div class="disclosure-item multi-line-text body-text-size-caption"><div class="multi-line-text-sup"><sup>7</sup></div><div class="multi-line-text-paragraph">PayPal Purchase Protection is available on eligible transactions. <a href="https://www.paypal.com/us/legalhub/buyer-protection" target="_self" rel="" class="html-text-renderer-link" data-pa-click="{"link":"Disclosure-Link--Terms and limitations apply","event_name":"consumer_text_link_clicked"}">Terms and limitations apply</a>. </div></div><div class="disclosure-item multi-line-text body-text-size-caption"><div class="multi-line-text-sup"><sup>8</sup></div><div class="multi-line-text-paragraph">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. </div></div><div class="disclosure-item multi-line-text body-text-size-caption"><div class="multi-line-text-sup"><sup>9</sup></div><div class="multi-line-text-paragraph">Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. <a href="https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm" target="_blank" rel="noopener noreferrer" class="html-text-renderer-link" data-pa-click="{"link":"Disclosure-Link--See Rewards Program Terms","event_name":"consumer_text_link_clicked"}">See Rewards Program Terms</a> for details and eligibility criteria. The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. </div></div><div class="disclosure-item multi-line-text body-text-size-caption"><div class="multi-line-text-sup"><sup>10</sup></div><div class="multi-line-text-paragraph">As of February 4, 2025, the annual percentage yield (APY) for PayPal Savings is 4.00%. 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. </div></div><div class="disclosure-item multi-line-text multi-line-text-wo-sup body-text-size-caption"><div class="multi-line-text-paragraph">All screen images are for illustrative purposes only. </div></div></div> </div></div></div></div> <link nonce="iM0u7wSpM9t1z7bygQul9F7EQrJ3jEmwFO9VrsJf9R/Yhqo+" rel="preload" fetchpriority="low" href="https://www.paypalobjects.com/marketing/pp-com-components/component-chunks/Accordion-95b0740a.css" as="style" data-non-critical-css="true"> <noscript><link nonce="iM0u7wSpM9t1z7bygQul9F7EQrJ3jEmwFO9VrsJf9R/Yhqo+" rel="stylesheet" fetchpriority="low" href="https://www.paypalobjects.com/marketing/pp-com-components/component-chunks/Accordion-95b0740a.css"></noscript> <link nonce="iM0u7wSpM9t1z7bygQul9F7EQrJ3jEmwFO9VrsJf9R/Yhqo+" rel="preload" fetchpriority="low" href="https://www.paypalobjects.com/marketing/pp-com-components/component-chunks/CtaSection-eeefabf6.css" as="style" data-non-critical-css="true"> <noscript><link nonce="iM0u7wSpM9t1z7bygQul9F7EQrJ3jEmwFO9VrsJf9R/Yhqo+" rel="stylesheet" fetchpriority="low" href="https://www.paypalobjects.com/marketing/pp-com-components/component-chunks/CtaSection-eeefabf6.css"></noscript> <script nonce="iM0u7wSpM9t1z7bygQul9F7EQrJ3jEmwFO9VrsJf9R/Yhqo+">document.addEventListener("DOMContentLoaded", () =>{const nonCriticalLinks = document.querySelectorAll('link[data-non-critical-css]');nonCriticalLinks.forEach((link)=>{link.rel = 'stylesheet';link.removeAttribute('data-non-critical-css')})});</script> <script nonce="iM0u7wSpM9t1z7bygQul9F7EQrJ3jEmwFO9VrsJf9R/Yhqo+">window.__CMS_ENGINE_RENDER_CONTEXT__ = {"pageModel":{"id":"16SxMP2R2OC7lYuiWIaiSy","componentType":"PageIdentifier","metadata":{"id":"7klru7Mg7qKDlwO8KOnPDm","componentType":"Metadata","pageId":"digital-wallet/how-paypal-works","page__title":"What is PayPal and How Does it Work","page__description":"PayPal enables you to securely make payments to individuals or businesses worldwide. 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