PayPal · PayPal User Agreement

Deemed Acceptance of Additional Business Payment Solutions Terms

Medium severity
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Why it matters (compliance & risk perspective)

This 'deemed acceptance' mechanism binds businesses to additional legal terms — which may include separate fee structures, liability provisions, or data sharing arrangements — purely by using a product feature, without any affirmative consent step.

Consumer impact (what this means for users)

PayPal's User Agreement significantly affects your financial rights and access to funds — PayPal can place holds on your money for up to 180 days and limit or suspend your account at its discretion. You waive the right to participate in class action lawsuits and must resolve all disputes through individual binding arbitration, which is generally more costly and less accessible for small-dollar claims. You can opt out of the arbitration agreement by sending a written notice to PayPal's Legal Department at 2211 North First Street, San Jose, CA 95131 within 30 days of first accepting the User Agreement.

How other platforms handle this

DocuSign Medium

We may revise these Terms, including changing, deleting, or supplementing with additional terms and conditions from time to time in our sole discretion, including to reflect changes in applicable law. We will post the revised terms on the Site with a "last updated" date. PLEASE REVIEW THIS WEBSITE O...

Yelp Medium

We may modify this Privacy Policy from time to time. The current version of the Privacy Policy will govern our collection, use, and disclosure of information about you and will be located here. If we make material changes to this Privacy Policy, we will notify you by email and/or by posting a notice...

X Medium

If we do revise this Privacy Policy and make changes that are determined by us to be material, we will provide you notice and an opportunity to review the revised Privacy Policy before you continue to use X.

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This clause could change without notice.

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View original clause language
You will be deemed to have accepted such additional terms and conditions in the event, and at the time, either of the following occurs, whichever is first: You accept (or have previously accepted) this user agreement and you start using a Business Account Payment Solution.

Applicable regulations

DSA
European Union

Provision details

Document information
Document
PayPal User Agreement
Entity
PayPal
Document last updated
April 29, 2026
Tracking information
First tracked
March 6, 2026
Last verified
April 9, 2026
Record ID
CA-P-002286
Document ID
CA-D-00044
Evidence Provenance
Source URL
Wayback Machine
SHA-256
787aedff80f89f2d9da4fd79756bbd226f8a5338c9e19c15b2a2fa0d01f59a90
Verified
✓ Snapshot stored   ✓ Change verified
How to Cite
ConductAtlas Policy Archive
Entity: PayPal | Document: PayPal User Agreement | Record: CA-P-002286
Captured: 2026-03-06 20:26:28 UTC | SHA-256: 787aedff80f89f2d…
URL: https://conductatlas.com/platform/paypal/paypal-user-agreement/deemed-acceptance-of-additional-business-payment-solutions-terms/
Accessed: May 4, 2026
Classification
Severity
Medium
Categories

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Frequently Asked Questions

What does PayPal's Deemed Acceptance of Additional Business Payment Solutions Terms clause do?

This 'deemed acceptance' mechanism binds businesses to additional legal terms — which may include separate fee structures, liability provisions, or data sharing arrangements — purely by using a product feature, without any affirmative consent step.

Is ConductAtlas affiliated with PayPal?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by PayPal.