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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 agreement sets the rules for using PayPal, including how disputes are handled, how your account can be suspended, and what PayPal is and is not responsible for. The most important things to know are: all disputes must go through binding arbitration rather than regular courts (unless you opt out within 30 days of first signing up), PayPal can suspend your account or hold your funds for up to 180 days in certain situations, and if you notice an unauthorized transaction, you must report it within 60 days or you may lose the right to recover those funds.
The PayPal User Agreement establishes the terms governing use of PayPal's payment platform, imposing binding arbitration with a class-action waiver as the exclusive dispute resolution mechanism, subject to a 30-day opt-out window from first acceptance. PayPal retains sole discretion to suspend or terminate access at any time upon notice, and may hold Balance Account funds for up to 180 days under conditions of liability risk or Acceptable Use Policy violation. The agreement restricts sellers from surcharging customers for PayPal acceptance, imposes indemnification obligations on users for third-party claims arising from their breaches, and excludes PayPal's liability for lost profits and consequential damages. Users who fail to report unauthorized transactions within 60 days of their statement risk permanent forfeiture of recovery rights, and personal data received from PayPal may only be used to the extent necessary for PayPal services, with marketing use requiring prior customer consent.
As a PayPal user, you are bound by exclusive arbitration for any dispute with PayPal and cannot join a class action against them — but you can opt out by sending a postmarked notice within 30 days of first accepting the agreement. Your funds may be held for up to 180 days if PayPal determines there is a liability risk or that you have violated its Acceptable Use Policy, and PayPal will not compensate you for lost profits or consequential damages. You must report any unauthorized transaction within 60 days of your statement to preserve your right to recover funds, and if you are a seller, you may not surcharge customers for using PayPal as a payment method. If any third party makes a claim against PayPal because of your breach of the agreement, you are responsible for PayPal's resulting legal costs.
Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.
14 important changes detected
21 versions captured · Last updated: September 2026
PayPal's user agreement was updated on July 14, 2026. The change involved removal of the document's download link for a printable PDF version and reorganization of the agreement's table of …
View change record →PayPal added new provisions on June 30, 2026 governing how business account holders can add funds using two features: Add Cash at Store (available at participating U.S. retail locations) and …
View change record →PayPal's User Agreement was updated on June 15, 2026. The change involved modification of document formatting and structure, specifically the introduction of a detailed table of contents in place of …
View change record →PayPal updated its User Agreement on June 10, 2026, with 77 sentences modified across the document. The diff provided shows the document structure and formatting were updated, including the addition …
View change record →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 its User Agreement document layout on May 28, 2026, adding a new footer section with links to company resources, legal documents, and corporate information (Accessibility, Privacy Statement, Cookies, …
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 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 →Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
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