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This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
This is the PayPal User Agreement for U.S. accounts, covering account opening and closing, sending and receiving payments, fee structures, fund holds, dispute resolution, and the terms governing both personal and business accounts. The agreement requires all disputes to be resolved through individual binding arbitration administered by JAMS or AAA, waiving the right to participate in class action lawsuits, and permits PayPal to hold funds in an account for up to 180 days if it limits or terminates an account due to policy violations or risk concerns. The agreement also authorizes PayPal to obtain credit reports on business account holders, place holds on received payments pending completion of buyer or seller protection reviews, and deduct amounts owed to PayPal directly from account balances.
This document is the PayPal User Agreement governing U.S. personal and business PayPal accounts, establishing a contractual relationship between PayPal, Inc. and account holders for payment processing, fund management, and related financial services. The agreement states that users consent to mandatory individual arbitration administered by JAMS or AAA, waive class action participation, and that PayPal may limit, suspend, or terminate accounts, hold funds for up to 180 days, and obtain credit reports from business account holders. Operationally distinct provisions include PayPal's reserved right to close accounts and hold funds for 180 days without advance notice in circumstances it deems to involve elevated risk, along with a unilateral right to convert personal accounts to business accounts or vice versa based on PayPal's assessment of account activity; the agreement asserts broad indemnification obligations and a limitation of liability capped at the greater of fees paid in the prior 12 months or $500, which may interact with consumer protection statutes in certain jurisdictions. The agreement engages the Consumer Financial Protection Bureau's authority over payment services and electronic fund transfers under the Electronic Fund Transfer Act and Regulation E, the FTC Act's prohibition on unfair or deceptive practices, and state money transmitter licensing frameworks; the mandatory arbitration clause and class action waiver interact with consumer protection statutes in California and other states, and applicable law may limit the enforceability of these provisions depending on jurisdiction and claim type.
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Start Compliance free trial14 important changes detected
15 versions captured · Last updated: June 2026
PayPal's User Agreement was updated on May 31, 2026 with a restructured table of contents. The previous version listed only a basic menu structure, while the updated version now includes …
View change record →PayPal updated their PayPal User Agreement on May 28, 2026. Change detected: 1 sentence(s) added, 1 sentence(s) modified. Document contained 849 sentences after update.
View change record →PayPal updated its User Agreement on May 25, 2026 by adding a detailed table of contents to the document. The document previously began with a simple header 'Welcome to PayPal!' …
View change record →PayPal updated its User Agreement on May 19, 2026, making several clarifications to cryptocurrency account language and account limitation provisions. The most substantive change clarifies that cryptocurrency services are provided …
View change record →PayPal updated its User Agreement on May 15, 2026 by adding a detailed table of contents to the document. The previous version opened directly with account information, while the updated …
View change record →PayPal removed a footer section from its User Agreement on May 12, 2026, that contained contact information, copyright notice, accessibility statement, and legal links. This was a removal of navigational …
View change record →PayPal's User Agreement was updated on May 11, 2026 to add a detailed table of contents to the document. The previous version displayed minimal navigation, while the updated version includes …
View change record →PayPal updated its User Agreement on May 9, 2026 to clarify how automatic payment authorization works when your preferred payment method cannot complete a transaction. The updated terms now state …
View change record →PayPal reformatted its User Agreement on May 6, 2026 by adding a detailed table of contents to the beginning of the document. The visible text change shows the addition of …
View change record →PayPal removed the footer section and navigation menu structure from the PayPal User Agreement document on May 5, 2026. The removed content included links to Help, Contact, Fees, Security Center, …
View change record →PayPal modified its User Agreement on April 21, 2026, but the detected change consists solely of adding a table of contents and reformatting the document structure. The substantive text of …
View change record →PayPal added 'United States' as a navigation link in the footer of their User Agreement on April 18, 2026. Previously, the footer contained links to Help, Contact, Fees, Security Center, …
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