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| 0 | PAYPAL USER AGREEMENT Menu Back To Home Page About Your Account Opening a PayPal Account Closing Your PayPal Account Link or Unlink a Payment Method Authorization to Charge Your Payment Method Receiving Funds, Holding a Balance, or Transferring Funds Managing Your Money in Multiple Currencies Taxes and Information Reporting Account Statements Sending Money and Buying Sending Money to a Friend or Family Member Fees for Sending Money to Friends and Family Buying Something From, Donating to, or Returning Something to, a Seller Who Accepts PayPal Payment Method Used for My Transaction Loyalty Cards PayPal Rewards Program PayPal’s Purchase Protection Program Selling and Accepting Payments Accepting Payments Transaction Fees for Online and In-Store Payments Refunds, Reversals and Chargebacks PayPal’s Seller Protection Program PayPal Advertising Program Restricted Activities, Holds, and Other Actions We May Take Restricted Activities Actions We May Take if You Engage in Any Restricted Activities Holds, Limitations, and Reserves Court Orders, Regulatory Requirements, or Other Legal Processes Liability for Unauthorized Transactions and Other Errors Protection from Unauthorized Transactions Error Resolution Processing Errors Returning Unauthorized or Excess Business Account Debits Remittance Transfer Errors Other Legal Terms Communications Between You and Us PayPal’s Rights Indemnification and Limitation of Liability Disclaimer of Warranty and Release Agreement to Arbitrate Intellectual Property Miscellaneous Download Printable PDF PAYPAL USER AGREEMENT About Your Account PAYPAL USER AGREEMENT Last updated on May 19, 2026 About Your Account Welcome to PayPal! | 0 | PAYPAL USER AGREEMENT Menu Back To Home Page Download Printable PDF PAYPAL USER AGREEMENT About Your Account PAYPAL USER AGREEMENT Last updated on June 29, 2026 About Your Account Welcome to PayPal! |
| 86 | Receiving Funds, Holding a Balance, or Transferring Funds Unless otherwise expressly stated, all references to “funds” in this user agreement mean money denominated in sovereign currency and not cryptocurrency or any other form of asset. | 86 | Receiving Funds, Holding a Balance, or Transferring Funds Unless otherwise expressly stated, all references to "funds" in this user agreement mean money denominated in sovereign currency and not cryptocurrency or any other form of asset. |
| 98 | Except when PayPal acts as your agent and custodian to place funds in one or more banks insured by the Federal Deposit Insurance Corporation (FDIC) that we choose in our discretion (“ Program Banks ”), as provided below, any balance in your Balance Account and any funds sent to you which have not yet been transferred to a linked bank account or linked debit card if you do not have a Balance Account, represent unsecured claims against PayPal that are not eligible for FDIC pass-through insurance. | 98 | Except when PayPal acts as your agent and custodian to place funds in one or more banks insured by the Federal Deposit Insurance Corporation (FDIC) that we choose in our discretion (" Program Banks "), as provided below, any balance in your Balance Account and any funds sent to you which have not yet been transferred to a linked bank account or linked debit card if you do not have a Balance Account, represent unsecured claims against PayPal that are not eligible for FDIC pass-through insurance. |
| 102 | These pooled amounts are held apart from PayPal’s corporate funds, and PayPal will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy. | 102 | These pooled amounts are held apart from PayPal's corporate funds, and PayPal will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy. |
| 104 | If you have opened a PayPal Debit Card Mastercard® account, enrolled in Direct Deposit, or bought or received cryptocurrency with your personal PayPal branded cryptocurrency account (“Crypto Account”), we will place your U.S. dollar PayPal Balance funds in one or more Program Banks , where they will, subject to certain conditions, be eligible for pass-through FDIC insurance, up to applicable limits. | 104 | If you have opened a PayPal Debit Card Mastercard® account, enrolled in Direct Deposit, or bought or received cryptocurrency with your personal PayPal branded cryptocurrency account ("Crypto Account"), we will place your U.S. dollar PayPal Balance funds in one or more Program Banks , where they will, subject to certain conditions, be eligible for pass-through FDIC insurance, up to applicable limits. |
| 129 | We may allow you to add funds to your business account at participating retail stores throughout the U.S. using the Add Cash at Store feature. | ||
| 130 | There are transactional and daily and monthly limits on the amounts you can add and daily, weekly, and monthly limits on the number of times you can add money. | ||
| 131 | Please refer to the "Business" tab of the What is PayPal Add Cash at Stores and how do I use it? | ||
| 132 | PayPal Help Center page for more information. | ||
| 133 | We may also allow you to add funds to your business account using the Cash a Check feature. | ||
| 134 | Cash a Check is not available if you have a negative balance in your business account and may not be available in all locations. | ||
| 135 | Please refer to the "Business" tab of the What is the Cash a Check service in the PayPal app? | ||
| 136 | PayPal Help Center page for more information and details on availability and other restrictions. | ||
| 137 | Fees for Add Cash at Store and Cash a Check transactions can be found in the Fee pages . | ||
| 130 | When you open a business account, we may also assign you a The Bancorp Bank, N.A. (“The Bancorp”) issued account number and routing number that you can use to receive funds into your business account for business or commercial purposes. | 139 | When you open a business account, we may also assign you a The Bancorp Bank, N.A. ("The Bancorp") issued account number and routing number that you can use to receive funds into your business account for business or commercial purposes. |
| 131 | You can also use your business account as a payment method for the purchase of business or commercial-related goods and services through a transaction that you initiate using your assigned account number and routing number via a third-party merchant’s website or mobile application. | 140 | You can also use your business account as a payment method for the purchase of business or commercial-related goods and services through a transaction that you initiate using your assigned account number and routing number via a third-party merchant's website or mobile application. |
| 142 | Management of any scheduled payments, including cancellation, can be done through the merchant’s website or mobile application. | 151 | Management of any scheduled payments, including cancellation, can be done through the merchant's website or mobile application. |
| 151 | These pooled amounts are held apart from PayPal’s corporate funds, and PayPal will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy. | 160 | These pooled amounts are held apart from PayPal's corporate funds, and PayPal will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy. |
| 495 | If you receive consumer inquiries relating to a Credit Product including but not limited to PayPal Credit, PayPal Cashback Mastercard, or the PayPal World Cashback Mastercard, then you must direct the consumer to the Customer Support channel associated with the Credit Product. | 504 | If you receive consumer inquiries relating to a Credit Product, then you must direct the consumer to PayPal Customer Support . |
| 496 | If you receive consumer inquiries relating to PayPal or another Credit Product other than those listed above, then you must direct the consumer to PayPal Customer Support . | — | Removed |
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