Captured before automated identity checks (Oct 14, 2026): accurate as of its capture on Sep 15, 2026; our capture on Oct 21, 2026 found the same text, but its identity was not checked by them.
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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
“PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer's PayPal account or through a PayPal Guest Checkout.”
“You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method.”
“In no event shall PayPal be liable for lost profits or any special, incidental or consequential damages...arising out of or in connection with our websites, software, systems...or this user agreement.”
“Holding the balance in your Balance Account...for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy.”
“PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems...for any reason and at any time upon notice to you...”
“Any personal data provided to you by PayPal...will be used by you only to the limited extent that is necessary and relevant to the PayPal services and for no other purpose, including marketing purposes, unless you have obtained the prior consent of the customer.”
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.
4 important changes detected
21 versions captured · Latest change detected by ConductAtlas: September 2026
PayPal expanded its terms to explicitly describe two new cash-deposit features for business accounts: Add Cash at Store (allowing deposits at participating U.S. retail locations) and Cash a Check (enabling …
View change record →PayPal revised its automatic payment authorization language to clarify how it charges payment methods when insufficient funds are available. Previously, the terms stated PayPal would charge a backup payment method …
View change record →We withheld clauses we had published from this document. Each withholding is recorded in our correction log:
“PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer's PayPal account or through a PayPal Guest Checkout.”
“You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method.”
“In no event shall PayPal be liable for lost profits or any special, incidental or consequential damages...arising out of or in connection with our websites, software, systems...or this user agreement.”
“Holding the balance in your Balance Account...for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy.”
“PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems...for any reason and at any time upon notice to you...”
“If you accepted this user agreement prior to us posting notice of the changes on our Policy Updates page, then such notice will be provided at least 21 days before the applicable effective date.”
“Any personal data provided to you by PayPal...will be used by you only to the limited extent that is necessary and relevant to the PayPal services and for no other purpose, including marketing purposes, unless you have obtained the prior …”
“If you do not tell us within 60 days after we provided the statement to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from …”
“You agree to defend, indemnify and hold PayPal harmless from any claim or demand (including reasonable legal fees) made or incurred by any third party due to or arising out of your breach of this user agreement...”
Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
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Cross-platform context
See how other platforms handle Abuse of Dispute Resolution Processes Prohibited and similar clauses.
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Structured alerts for policy changes, governance events, and provision updates across 343 platforms.