Q&A for How to Use PayPal

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What happens if I buy something with PayPal that costs more than the amount of money in my bank account?

Community Answer

That depends on your bank. Either the transaction will be refused, or your bank account will drop below 0 and your bank may charge you an overdraft fee.

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Question

What's the difference between "sending money to friends and family" and paying money for a "service"?

Community Answer

Sending to friends and family ("Personal Payment") waives your buyer protection, so PayPal will not assist if you and the seller get into a dispute. Also, the person receiving money doesn't have to pay a fee to PayPal. Someone selling goods or services is not allowed to ask their customers to use the Personal Payment system, and may lose their ability to use PayPal if they're reported.

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Question

What is my PayPal address?

Community Answer

This refers to the email address you entered when you signed up for PayPal.

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Question

Can customers pay by credit or debit card into a PayPal account?

Community Answer

Only certain debit card offers such as the Green Dot MoneyPak can deposit into PayPal. However, you can visit the Wallet menu on the PayPal site to link a card to your account. This lets you select the card when paying through PayPal. Two caveats: 1) PayPal may charge a fee for paying with a card instead of your bank account; and 2) Some merchants don't allow credit card payments through PayPal.

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Question

How do I pay a seller that has Paypal but I don't?

Community Answer

If the payer has their PayPal linked to a website, the money you pay on the site should be automatically transferred to that account. However, for personal purchases, you may need to create a PayPal yourself.

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Question

Somebody wants to wire me money on a weekly basis using Paypal. How does this work?

Community Answer

If you have an account set up, give that person your e-mail address associated with the account. They can then send money to your account each week, which you can then transfer to the bank associated with your PayPal.

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Question

How do I pay with PayPal at a retail store?

Community Answer

If the store accepts PayPal, you can use the PayPal phone app or a PayPal debit card.

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Question

How can I pay with PayPal if it isn't offered as a payment method at checkout?

Teresa

Community Answer

If you have a PayPal debit card that is attached to your bank, you can still make payments using it as a MasterCard. Otherwise, you will not be able to pay with PayPal.

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Question

How do I use my credit card through PayPal to pay for something?

Community Answer

Just link your credit card to your PayPal account, then make your purchase with PayPal and make sure that card is selected as the source of funds during the PayPal checkout. PayPal will automatically charge your card, usually within a day or two. See How to Add a Credit Card to a PayPal Account .

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Question

Is there a cost to using PayPal, and if so how much, and is it charged to the account holder or to the person sending money through PayPal?

Teresa

Community Answer

It depends. It depends on the exact type of account, the payment source, and relationship with the sender/sendee.

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Question

Is it okay to link another bank debit card like a Metrobank debit card and use that to load up my PayPal account?

Brandon Hendrickson

Community Answer

Your personal credit/debit account will be used to pay for purchasing. Your PayPal account will aquire money from payments received.

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Question

Do I have to link it with a bank account?

Community Answer

No; you could see if you qualify for PayPal's debit card.

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Question

How important is my phone number for my PayPal account?

Brandon Hendrickson

Community Answer

It depends on how you prefer to be contacted. If the need arises for PayPal to reach you, your email should suffice.

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Question

I would like my renter pay into my bank account through PayPal. Would there be a fee for either of us?

Brandon Hendrickson

Community Answer

Yes. You are a landlord. Accepting payment for services sutch as your customer (renter) paying rent, would most certainly quality as a business transaction and therefore be a paid service.

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Question

Can I use a prepaid Visa card for PayPal?

Community Answer

Yep! PayPal allows any prepaid gift cards that have a Visa, MasterCard, American Express, or Discover logo on them.

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Question

What personal or financial information does the seller of goods or services have about me as a result of a PayPal transaction?

Brandon Hendrickson

Community Answer

Limiting access to personal financial information is precisely the reason that a secure third party such as PayPal would be used. In this method, PayPal soley takes the responsibility and security of both buyer and sellers confidential information.

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Question

Can I set up a PayPal account without a bank account?

Community Answer

No. You need to have an account so people can give you money and you can give them money.

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Question

Can I pay a utility bill or a credit card with my Paypal account? How?

Community Answer

It really depends on the company. Some companies have a "Pay with PayPal" option, while others may not accept these types of payments.

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Question

How can I add a link to paypal so that my customers can download paid for goods?

Community Answer

It depends on the website. The website you're using should walk you through the process if they provide the option to make PayPal an option for purchase.

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Question

How can I turn PayPal into cash?

Community Answer

If you qualify, you can receive a PayPal debit or credit card. Money from this card can be withdrawn at most ATMs, although some will have fees.

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