How to Use PayPal

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PayPal is an online payment system that allows users to make transactions, send and receive money, and make purchases online. It was founded in 1998 and has since grown to become one of the most popular online payment platforms in the world. 

PayPal allows users to link their bank accounts or credit cards to their PayPal account, and then use those accounts to pay for goods or services online. It is widely accepted by online merchants and is also used for personal transactions between individuals. PayPal provides a secure and convenient way to transfer money online, and offers a range of additional services such as fraud protection and dispute resolution.

PayPal is a widely used payment processing platform, serving more than 225 million people across 200 countries worldwide. If you believe the service would be beneficial for you, you can create a free account quickly and easily by visiting PayPal's official website.

There are many benefits to using PayPal for online transactions, including:

- Security: PayPal provides a secure and encrypted platform to protect your financial information and prevent fraud.

- Convenience: With PayPal, you can make online payments with just a few clicks, without the need to enter your financial information every time you make a purchase.

- Global Reach: PayPal is available in over 200 markets and supports transactions in over 100 currencies, making it easy to send and receive payments across borders.

- Buyer Protection: PayPal offers purchase protection to buyers, which can help you get a refund if your purchase doesn't arrive or is significantly different from what was described.

- Seller Protection: PayPal also offers seller protection, which can protect you from fraudulent transactions or unauthorized payments.

- Mobile Payments: PayPal has a mobile app that allows you to make and receive payments from your smartphone, making it easy to pay on the go.

Overall, PayPal offers a safe, secure, and convenient way to make online transactions, and is trusted by millions of users worldwide.

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Signing Up for PayPal

1. To create a PayPal account, go to the PayPal website and click on the "Sign Up" button located on the upper right-hand corner of the homepage. The website link to access the homepage is:

2. When creating a PayPal account, you will be prompted to choose between a personal or business account. A personal account is ideal for online shopping and transferring funds to friends and family, while a business account is more suitable for professional transactions and managing payments for multiple individuals within a company. This is especially important if you plan to use PayPal for professional services.

3. To get started with PayPal, you need to create an account by providing your email address and setting up a secure password. While PayPal doesn't require you to create a username, it is recommended that you link an email address to your account. You can use any email address that you frequently check and can easily access to receive notifications about your transactions.

It is important to note that you will be sharing sensitive information with PayPal, so it's crucial to set up a strong password. Your password should include a combination of upper and lowercase letters, numbers, and special characters (such as #, !, @, etc.). Using a random string of characters is generally more secure than using a recognizable word. For example, "13b%E56s$T89!" is a stronger password than "HaPPy123!".

4. Once you have set up your password, you will be directed to a page where you will be asked to provide some basic information to PayPal. This may include details such as your name, date of birth, address, and phone number.

5. To link your PayPal account with your bank or card, go to the top of the page and click on the "Wallet" link. Next, select "Link a card or bank". From there, you can choose to link a credit or debit card, or you can link your PayPal account directly to your bank account. You will need to provide your card number or your account number and routing number.

6. If prompted, please confirm your card or linked account. PayPal may ask you to verify that you are the owner of your card or linked account for security reasons. To do this, go to your PayPal Wallet and click on the Confirm Credit Card link if it appears. PayPal will verify your linked payment method by charging a small fee to your card. Once the account or card is confirmed, you will receive an immediate refund, and your account will be ready to use.

If you are requested to enter a 4-digit code, search for the PayPal charge on your credit or debit card statement. It will be labeled as PayPal1234 CODE or PP1234 CODE.

To confirm the card, log in to your PayPal account, click on Wallet, and choose the card you want to confirm. Input the 4 digits code (in this instance, 1234) and click submit.

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Spending Money Via PayPal

1. You can add funds to your PayPal account by transferring money from your bank account. Even if your PayPal balance is zero, you can still make payments because PayPal will automatically draw funds from your linked bank account. 

However, some individuals may prefer to have a balance in their PayPal account. To deposit money into your PayPal account, simply log in and select "Transfer Money." From there, you can transfer funds from your linked bank account to your PayPal balance.

2. To send money to someone through PayPal, you can easily use the "Transfer Money" feature. If you owe someone money, simply click on this option and enter the amount you wish to send, along with the recipient's email address. Once you've verified the details, you can hit "Send" to complete the transaction.

It's important to make sure that you use the correct email address for the recipient. You should use the email address that the recipient has linked to their PayPal account in order to ensure that the transaction is successful.

3. You can use PayPal to make purchases online. At checkout on many websites, you may see a "Pay with PayPal" button. If you select this option, you'll typically only need to enter the email address linked to your PayPal account to complete the payment. 

This can be a faster and more convenient option compared to manually entering your credit card information.

4. If you have money in your PayPal account, you can transfer it to your bank account at any time. Simply click on the "Transfer" button and choose the option to transfer your funds to the bank account that is linked to your PayPal account. The transfer usually takes around one business day to complete.

Alternatively, you can choose to transfer your money using a linked debit card, which incurs a fee of $0.25. This type of transfer is usually processed within 30 minutes.

5. If you are a frequent user of PayPal, you may want to consider obtaining a PayPal debit card. This type of card operates like a regular debit card, but it withdraws funds directly from your PayPal account. This is a convenient option if you require immediate access to your PayPal funds. The PayPal debit card is accepted anywhere that accepts cards, including most ATMs.

By using a PayPal debit card, you can withdraw up to $400 per day from your PayPal account.

6. If you need to cancel a pending PayPal payment that you've made to another user, you can do so by accessing your PayPal account and navigating to the Summary page. Look for the payment in question, which should be listed as "Unclaimed." Click on the payment, then select "Cancel" and confirm by clicking "Cancel Payment."

However, if the payment has already been accepted by the recipient, you'll need to contact them directly to request a refund.

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Receiving Money Via PayPal

1. To receive money through PayPal, you need to provide the email associated with your PayPal account to the person who will be sending you the payment. It's important to make sure that you give them the correct email address linked to your account when requesting to receive money, and not a different one. 

2. You can use PayPal to request money from someone by logging into your account and clicking on the "Tools" tab, followed by "Request Money". Next, enter the amount of money you wish to receive and the email or phone number of the person you're requesting it from. Finally, click "Request Money" to complete the process.

This feature is useful when you need to remind someone that they owe you money in a polite way. For instance, if a friend borrowed money from you, you can send them a reminder of the amount owed via PayPal.

3. You can use PayPal to send invoices for your freelance work. After logging in and clicking on the "Request Money" tab, you can choose the "Invoice" option from the menu at the top of the page. Then, you will need to fill out a form with the details of the services you provided, including your hours, rates, and the total amount owed.

4. To link your PayPal account with websites such as eBay, you can connect your accounts. This is especially helpful if you sell items online, as most websites will offer the option to link your PayPal account. By doing so, when customers make purchases from you, the payment will be automatically transferred to your PayPal account. While the specific process for linking your PayPal account may vary depending on the website, typically you will need to enter the email address connected to your PayPal account and possibly provide some personal information.

5. When using PayPal to invoice an employer or sell items as an online merchant, it is important to note that a fee will be deducted from your final payment. This fee amounts to 2.9% of the total transaction amount plus an additional $0.30. To avoid being charged this fee, you can incorporate it into your price or invoice by multiplying your desired price by 0.029 and then adding $0.30.

If you are transferring money to friends or family with a linked credit card, the same fee will apply. However, if you use a linked bank account, you will not be charged a fee.

For a comprehensive list of fees applicable to different countries and business types, you can refer to PayPal's fee page at

Read More: How To Get Free Money on Cash

Troubleshooting Your PayPal Account

1. If you receive a message indicating that your PayPal account has been locked, you should contact PayPal's customer service for assistance. Before reaching out to them, it's recommended that you log in to your account to expedite the process.

To verify your ownership of the account, you will need to provide your phone number, email address, and a statement from the card or bank that is linked to your account. You can contact PayPal's customer service by either calling them or sending an email.

For those located in the US, you can call PayPal at 1-888-221-1161. For those outside of the US, you can call at 1-402-935-2050. Calling is the recommended method of contact for a locked account.

Alternatively, you can also email PayPal by logging in to your account and accessing their contact page at

2. In the event that your payment is declined, it is important to first verify that the card used for payment is correct. Ensure that the card has not expired and that the billing address is correct. If necessary, update the card information in your account.

If the card information is correct and up-to-date, check your PayPal Wallet page. If you see a "Confirm Credit Card" link, click on it and follow the steps to confirm the card.

If your card information is confirmed and up-to-date, confirm that the recipient has also confirmed their PayPal information and has a fully set up account. Alternatively, you can add or change a payment method in your account and use that instead.

If none of these steps resolve the issue, you should contact your card company or bank. Explain that your payment through PayPal has been declined and ask for assistance in resolving the issue.

3. To change your PayPal password, navigate to the Security tab located below your name on your Profile page. Click on "Edit" located next to "Password." You will be prompted to confirm your current password and then enter your new password twice. Once you have entered the new password, click on "Change Password" to complete the process.

You can also change your security questions by clicking on "Edit" located next to "Security questions" in the Security tab.

4. If you have forgotten your PayPal password, click on "Having trouble logging in." Enter the email address associated with your account and click on "Next." You will then be prompted to choose a recovery method, which can include receiving a call, text, or email, answering a security question, or confirming your account through Facebook Messenger.

PayPal will provide specific instructions based on the recovery method that you select. Follow the steps carefully to regain access to your account.

If you encounter any issues during the password recovery process, you can contact PayPal customer service for further assistance. The phone number for PayPal customer service in the US is 1-888-221-1161, and the number for outside the US is 1-402-935-2050.

5. It is important to be cautious of online scams, particularly when selling items on sites such as Craigslist. Be wary of individuals who claim that they will pay through PayPal but do not follow through with their promise. If you notice any warning signs, it is recommended that you stop communication with the buyer. Common red flags to watch out for include:

  • The buyer refusing to meet with you in person or speak with you over the phone.
  • The buyer offering to pay more than your asking price.
  • The buyer requesting that you send the item or money to a shipping agent or through Western Union or MoneyGram.

6. To avoid phishing scams, it's important to know how to recognize and report fake PayPal emails. If you receive an email that claims to be from PayPal, carefully review it before clicking any links. If the email informs you that you have received a payment, verify that the payment is showing up in your PayPal account. If it does, the email is legitimate. If it doesn't, forward the email to

Watch out for other warning signs, such as an email that doesn't address you by your first and last name, or one that claims a payment is on hold until you take a requested action.

7. To find more solutions for troubleshooting, visit PayPal's Help Center or community. The Help Center contains FAQs that may address your specific concerns. If you want to ask a question or view a wider range of solutions, log in to your account and visit the Community. You can also contact PayPal's Customer Service directly by phone or email.

You can access the Help Center at this link: To ask the Community for help, go here: If you need to contact Customer Service, you can call PayPal from the US at 1-888-221-1161 or from outside the US at 1-402-935-2050. They are available Monday to Friday from 5:00 am - 10:00 pm Pacific Time, and on the weekends from 6:00 am to 8:00 pm PT. To email PayPal, log in and visit this link:

Bottom Line


If you make a purchase using PayPal that exceeds the amount of money available in your bank account, it depends on your bank's policy. The transaction may be declined, or your bank account may go negative, and you could be charged an overdraft fee by your bank.

When you use PayPal to "send money to friends and family," also known as a personal payment, you will not receive buyer protection, so PayPal will not assist you in the event of a dispute with the seller. The recipient of the money will also not be charged a fee by PayPal. On the other hand, sellers of goods or services are not allowed to ask their customers to use the personal payment system, and they may lose their ability to use PayPal if reported.

Your PayPal address refers to the email address you used to sign up for your PayPal account.


- Question: Can customers make payments to a PayPal account using a credit or debit card?

Answer: Only certain debit card options such as the Green Dot MoneyPak can be used to deposit money into PayPal. However, you can link your card to your PayPal account through the Wallet menu on the PayPal website, allowing you to select the card when making payments. It's important to note that PayPal may charge a fee for using a card instead of a bank account, and some merchants may not accept credit card payments through PayPal.

- Question: How can I pay a seller on PayPal if I don't have a PayPal account?

Answer: If the seller has their PayPal account linked to a website, any payment made through the website should automatically be transferred to their account. However, for personal purchases, you may need to create your own PayPal account.

- Question: Someone wants to wire me money on a weekly basis using PayPal. How does this work?

Answer: If you have a PayPal account, provide the person with the email address associated with your account. They can then send money to your account each week, which you can then transfer to the bank account linked to your PayPal.

- Question:What is the process to use PayPal for in-store payments? 

Community Answer: If the retail store accepts PayPal, you can either use the PayPal phone app or pay with a PayPal debit card.

- Question: What should I do if PayPal isn't an available payment option at checkout? Teresa 

Community Answer: If you have a PayPal debit card that's linked to your bank account, you can still use it as a MasterCard for payments. Otherwise, it may not be possible to pay with PayPal.

- Question: How can I use my credit card to make a purchase through PayPal? 

Community Answer: To use your credit card for PayPal payments, you need to link it to your PayPal account and select the card as the source of funds during checkout. PayPal will charge your card automatically, typically within a day or two. Check out the guide on how to add a credit card to your PayPal account for more information.

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