Account & Service Control · Restriction or exception
US eligibility, age of majority, and business residency requirements
PayPal US accounts require individual users to reside in the United States or its territories and be at least 18 years old or the state age of majority; businesses must be organized in or operating in the US.
Supporting quotations
If you are an individual, you must be a resident of the United States or one of its territories and at least 18 years old, or the age of majority in your state of residence to open a U.S. PayPal account and use the PayPal services. If you are a business, the business must be organized in, operating in, or a resident of, the United States or one of its territories to open a U.S. PayPal account and use the PayPal services.
Legal Rights & Agreement Rules · Restriction or exception
Acceptance of agreement, fee schedules, and incorporated policies
Opening or using an account constitutes binding acceptance of the user agreement, Fee pages, upcoming Policy Updates, Acceptable Use Policy, and E-Sign Consent disclosure.
Supporting quotations
By opening and using a PayPal account, you agree to comply with all of the terms and conditions of this user agreement, including the [Fee pages](https://www.paypal.com/us/webapps/mpp/merchant-fees?locale.x=en_US), and any upcoming changes described on the [Policy Updates](https://www.paypal.com/us/webapps/mpp/ua/upcoming-policies-full?locale.x=en_US) page at the time you accept this user agreement (which changes will apply to you on the indicated effective dates).
Qualifications & exceptions
Incorporates fee pages and external policy schedules
purpose: terms_administration
Legal Rights & Agreement Rules · Procedure
Unilateral agreement updates and advance notice periods
PayPal may revise the agreement and related terms, generally effective when posted unless otherwise noted. Changes reducing rights or increasing responsibilities require notice; users who accepted before that notice receive at least 21 days for personal accounts and 5 days for business accounts.
Supporting quotations
unless otherwise noted.
at least 21 days before the applicable effective date.
at least 5 days before the applicable effective date.
Qualifications & exceptions
Advance notice periods apply when the agreement was accepted before notice of the changes.
Account & Service Control · Procedure
Terms acceptance by continuing use and right to close account
Continuing to use PayPal after terms changes take effect constitutes binding acceptance; users who disagree may close their account.
Supporting quotations
By continuing to use our services after any changes to this user agreement or any of the other applicable terms, agreements, or policies, you agree to abide and be bound by those changes. If you do not agree with any changes to this user agreement, you may close your account.
Qualifications & exceptions
Continued use after changes takes effect accepts them; account closure is available if you disagree.
Account & Service Control · Context
Personal and business account classifications
PayPal provides two distinct account categories—personal accounts and business accounts—both subject to the user agreement.
Supporting quotations
We offer two types of PayPal accounts: PayPal personal accounts (or "personal accounts") and PayPal business accounts (or "business accounts"), both covered by this user agreement.
Qualifications & exceptions
Covers personal and business accounts
data: account_data · purpose: service_operation
Account & Service Control · Procedure
Account closure procedure and surviving obligations
You can close an account without cost, but remain liable for obligations. Withdraw or transfer funds first; scheduled or incomplete transactions are canceled and a linked Balance Account closes with its personal account. Gift cards cannot be withdrawn or transferred, but emailed redemption codes remain usable.
Supporting quotations
You may close your PayPal account and terminate your relationship with us at any time without cost, but you will remain liable for all obligations related to your PayPal account even after the PayPal account is closed. When you close your PayPal account, we will cancel any scheduled or incomplete transactions. If you have a Balance Account linked to a personal account, you must withdraw or transfer any funds held in your Balance Account before closing your personal account, and closing a personal account will result in PayPal automatically closing any linked Balance Account.
Account & Service Control · Restriction or exception
Restrictions on account closure during disputes or investigations
You cannot close an account to evade investigation, while a transaction, dispute or claim is pending, while its balance is negative, or while it is subject to a hold, limitation or reserve.
Supporting quotations
To evade an investigation.
If you have a pending transaction or an open dispute or claim.
If your PayPal account has a negative balance.
If your PayPal account is subject to a hold, limitation or reserve.
Charges & Financial Obligations · User right or choice
Linking payment methods and debit card integration
Users can link or unlink credit cards, debit cards, bank accounts, or PayPal Credit; Balance accounts and PayPal Debit Cards serve as funding sources for checkouts and payments.
Supporting quotations
You can link or unlink certain payment methods such as a credit card, debit card, a U.S. bank account or PayPal Credit to your PayPal account. If you open a Balance Account, it will be linked to your personal account as a payment method, and you can unlink the Balance Account by withdrawing all funds and closing it.
Charges & Financial Obligations · Restriction or exception
Broad authorization to charge linked payment methods
Linking a payment method authorizes PayPal to charge it for fund additions, purchases, money transfers, error adjustments, dispute claims, and any amounts owed to PayPal.
Supporting quotations
By linking a payment method to your PayPal account, as described in the section Link or Unlink a Payment Method, you authorize PayPal to charge such linked payment method (a) whenever you choose such linked payment method to add funds to your PayPal Balance account or PayPal business account balance, send money using PayPal, or purchase something using PayPal, (b) in connection with any errors, claims, or disputes, and (c) for amounts you owe to PayPal.
Qualifications & exceptions
Extends to errors, claims, disputes, and owed debts
Unless expressly stated otherwise, all references to funds in the agreement strictly denote sovereign fiat money, excluding cryptocurrency and other non-fiat digital assets.
Supporting quotations
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.
Qualifications & exceptions
Strictly fiat currency, excludes cryptocurrency
purpose: financial_definition
Charges & Financial Obligations · User right or choice
Balance Account creation for holding funds and personal transfers
Users can open a linked Balance Account to hold funds, make purchases, and send personal transactions to friends and family members.
Supporting quotations
open a Balance Account to hold and use the money as a balance in your Balance Account for purchases or to send personal transactions to friends and family members. A Balance Account is separate account from your personal account.
Qualifications & exceptions
Separate account linked to personal account
data: account_data · purpose: payment_processing
Charges & Financial Obligations · User right or choice
Holding balances in multiple foreign currencies
Balances in business accounts or linked Balance Accounts may be held in supported sovereign currencies other than U.S. dollars.
Supporting quotations
Your balance in your business account or in your Balance Account, if you have one, may be held in currencies other than U.S. dollars.
Qualifications & exceptions
Multi-currency holding permitted in business and Balance Accounts
Charges & Financial Obligations · Restriction or exception
Mandatory USD withdrawal rule and currency conversion spread fee
Funds may only be withdrawn in U.S. dollars; withdrawing funds held in foreign currency requires conversion to USD using PayPal's conversion rate and spread.
Supporting quotations
You may only withdraw the funds in U.S. dollars. In order to withdraw funds in your account held in another currency you will have to convert the currency to U.S. dollars, or it will be converted for you at the time of your withdrawal. PayPal’s currency conversion rate, including our currency conversion spread, will be used.
Charges & Financial Obligations · Restriction or exception
Merchant billing agreements and preauthorized recurring charges
Storing PayPal with a seller establishes an agreement authorizing the seller to request one-time, sporadic, or recurring preauthorized charges via billing agreements or subscriptions.
Supporting quotations
When you store PayPal as a payment method with a specific seller, you agree with the seller that they can use PayPal to request payment for future transactions between you and the seller. The agreement between you and the seller may allow you to authorize and schedule a payment to the seller in advance on a one-time, sporadic, or recurring basis. Examples of automatic payments that can be arranged by you with a seller include those that PayPal calls a "billing agreement," "subscription," "recurring payment," "reference transaction," "preauthorized transfer"; or "preapproved payment."
Qualifications & exceptions
Authorizes advance charges under merchant billing agreement
data: payment_info · purpose: recurring_billing
Charges & Financial Obligations · User right or choice
Three business days cancellation requirement for recurring payments
Personal-account users can cancel recurring automatic payments through settings, the Help Center or phone at least three Business Days before the next transfer. If PayPal receives that timely stop request and fails to stop payment, it is liable for resulting losses or damages.
Supporting quotations
If you have a personal account, you may cancel a recurring automatic payment 3 Business Days or more before the date of the next scheduled payment from your account settings or by contacting us through the PayPal Help Center, or by calling PayPal at (888) 221-1161. If you order us to stop one of these payments 3 Business Days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
Qualifications & exceptions
At least three Business Days before the transfer.
PayPal accepts liability for failing to honor a timely stop request.
Charges & Financial Obligations · User right or choice
Purchase Protection coverage and discretionary eligibility
Qualifying buyer purchases may be eligible for reimbursement covering the full purchase price and original shipping costs, determined at PayPal's sole discretion.
Supporting quotations
When you purchase something from a seller who accepts PayPal, you may be eligible for a refund under PayPal’s Purchase Protection program.
Qualifications & exceptions
Eligibility determined at PayPal's sole discretion
Legal Rights & Agreement Rules · Restriction or exception
General prohibition against violating policies or agreements
Users are forbidden from breaching the user agreement, Acceptable Use Policy, commercial agreements, or any other PayPal policy in connection with service use.
Supporting quotations
Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements (if they apply to you), the PayPal Balance Terms and Conditions (if it applies to you), or any other agreement between you and PayPal;
Qualifications & exceptions
Strict prohibition across all interactions
purpose: security · purpose: legal_compliance
Account & Service Control · Restriction or exception
Discretionary sanctions for engaging in restricted activities
If PayPal believes you engaged in restricted activities, it may immediately terminate the agreement, restrict services or suspend or close accounts at its discretion without penalty to PayPal.
Supporting quotations
If we believe that you’ve engaged
immediately and without penalty to us.
Account & Service Control · Restriction or exception
Refusal of future service upon policy violation
PayPal reserves the right to refuse to provide PayPal services to users who have engaged in restricted activities in the future.
Supporting quotations
Refusing to provide the PayPal services to you in the future.
Qualifications & exceptions
PayPal reserves the right to refuse future service.
Charges & Financial Obligations · Procedure
Withdrawal of unrestricted funds upon involuntary account closure
If PayPal closes an account or terminates services, it will notify the user and make unrestricted funds available for withdrawal.
Supporting quotations
If we close your PayPal account or terminate your use of the PayPal services for any reason, we’ll provide you with notice of our actions and make any unrestricted funds held in the balance of your Balance Account linked to your personal account or in the balance of your business account, or any money waiting to be claimed through your personal account if you do not have a Balance Account linked to your personal account, available for withdrawal.
Charges & Financial Obligations · Restriction or exception
User liability for chargebacks, reversals, and regulatory fines
You are responsible for reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, customers or third parties caused by your agreement breach and/or use of PayPal services.
Supporting quotations
You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this agreement, and/or your use of the PayPal services.
Charges & Financial Obligations · Restriction or exception
Account and transaction-level holds, limitations, and reserves
PayPal may impose account or transaction holds, limitations and reserves to protect its network and manage risk. It generally promises notice unless otherwise stated; these measures may restrict transfers involving PayPal Savings.
Supporting quotations
Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the [Resolution Center](https://www.paypal.com/us/disputes/?locale.x=en_US) or follow the instructions in our email notice with respect to the limitation, hold or reserve.
Security & Safeguards · Company practice
Confidential risk modeling and non-disclosure of security criteria
Hold and limitation decisions may rely on confidential risk and fraud models; PayPal is not obligated to disclose details of its security or risk management procedures.
Supporting quotations
Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. You agree that we have no obligation to disclose the details of our risk management or security procedures to you.
Qualifications & exceptions
No obligation to disclose risk criteria or security procedures
Charges & Financial Obligations · Restriction or exception
Seller payment holds during reversal or invalidation disputes
PayPal may place temporary holds on funds in a seller's account if a payment sent to the seller is challenged, invalidated, or subject to reversal.
Supporting quotations
If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed.
Qualifications & exceptions
Temporary hold during payment dispute investigation
Protective account limitations upon suspected compromise
If PayPal suspects unauthorized use or account compromise, it will limit account access to protect funds and investigate the fraudulent activity.
Supporting quotations
If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity.
Qualifications & exceptions
Protective limitation upon suspected unauthorized access
Account review recommendation and unauthorized activity protection
Users should regularly inspect account statements; PayPal covers 100% of unauthorized activity provided users cooperate and comply with reporting procedures.
Supporting quotations
PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below.
Qualifications & exceptions
Protection is conditional on the stated eligibility, reporting and cooperation rules.
Business routing-number debits have a separate, shorter reporting deadline.
Security & Safeguards · Context
Definition of unauthorized transaction
An unauthorized transaction is defined as money sent from an account that the account holder did not authorize and that did not benefit them.
Supporting quotations
An “Unauthorized Transaction” occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you.
Qualifications & exceptions
Must lack authorization and provide no user benefit
purpose: fraud_prevention
Charges & Financial Obligations · Context
Definition of account error and incorrect debits
Errors include incorrect credits or debits, transaction records, missing or misidentified statement entries and calculation errors. Required receipt or statement requests, transfer clarification, preauthorized-transfer information and pending-transfer inquiries can also count; duplicate records requested for tax or recordkeeping are excluded.
Supporting quotations
incorrectly taken
missing from or not properly identified
including a request you make to determine whether an error has occurred.
unless the request is for a duplicate copy for tax or other record-keeping purposes.
Data Access & Collection · Restriction or exception
Consent to autodialed calls and prerecorded text messages
A supplied mobile number authorizes automated or prerecorded servicing, fraud and collection calls or texts. Marketing needs prior express written consent. Consent is not required to use PayPal and can be declined in settings, through support, by calling 1-844-629-9108 or replying STOP; normal phone charges may apply.
Supporting quotations
If you provide us your mobile phone number, you agree that PayPal and its affiliates may contact you at that number using autodialed or prerecorded message calls or text messages to: (i) service your PayPal branded accounts, (ii) investigate or prevent fraud, or (iii) collect a debt.
Qualifications & exceptions
Optional for using PayPal.
Marketing requires separate prior express written consent.
Legal Rights & Agreement Rules · Procedure
Electronic delivery of disclosures and notices
PayPal can deliver notices electronically under its communications policy. Electronic notices count as received 24 hours after posting or emailing; mail counts after three Business Days. General written notices to PayPal go to its Legal Department in San Jose unless a specific procedure provides another address.
Supporting quotations
24 hours after
3 Business Days after
Unless you're communicating with us about a matter where we've specified another notice address
Account & Service Control · Restriction or exception
Discretionary suspension and termination of services upon notice
PayPal reserves the right in its sole discretion to terminate the agreement or suspend access to services at any time for any reason upon notice, returning unrestricted funds.
Supporting quotations
PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or some or all of the PayPal services for any reason and at any time upon notice to you and, upon termination of this user agreement, the payment to you of any unrestricted funds held in your PayPal account.
Qualifications & exceptions
Sole discretion at any time for any reason
purpose: terms_administration
Charges & Financial Obligations · Restriction or exception
Grant of security interest and lien on account funds
Users grant PayPal a security interest and lien on all funds held in their PayPal account to secure performance of their contractual obligations.
Supporting quotations
As security for the performance of your obligations under this user agreement, you grant to PayPal a lien on, and security interest in and to, funds held in your PayPal account.
Qualifications & exceptions
Lien and security interest created on all account balances
Charges & Financial Obligations · Restriction or exception
Setoff rights across accounts and recovery of negative balances
Negative balances represent a debt owed to PayPal; PayPal may deduct owed amounts from subsequent deposits or set off negative balances against any other linked account.
Supporting quotations
If the balance in your PayPal account becomes negative for any reason, that negative balance represents an amount that you owe to PayPal. PayPal may deduct these amounts from funds that are added to your PayPal account later, either by you or from payments you receive. If you have more than one PayPal account, we may set off a negative balance in one PayPal account against a balance in your other PayPal account(s), including a Balance Account. If you continue using your PayPal account when it has a negative balance, you authorize PayPal to combine the negative balance with any debit or transaction sent from your account when that combination is disclosed to you in advance of initiating the debit or transaction.
Qualifications & exceptions
Permits setoff across multiple accounts and future deposits
data: financial_data · purpose: debt_collection
Legal Rights & Agreement Rules · Restriction or exception
Comprehensive user indemnification obligation
Users must defend and indemnify PayPal and the covered related parties against third-party claims and reasonable legal fees arising from agreement breaches, improper service use, violations of law or others’ rights, or acts and omissions of people they authorize to use the account.
Supporting quotations
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, your improper use of the PayPal services, your violation of any law or the rights of a third party and/or the actions or inactions of any third party to whom you grant permissions to use your PayPal account or access our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, or any of the PayPal services on your behalf.
Legal Rights & Agreement Rules · Restriction or exception
Exclusion of lost profits and consequential damages
PayPal excludes liability for lost profits, loss of data, loss of business, and special, incidental, or consequential damages arising from services or systems.
Supporting quotations
In no event shall PayPal be liable for lost profits or any special, incidental or consequential damages (including without limitation damages for loss of data or loss of business) arising out of or in connection with our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services, or this user agreement (however arising, including negligence), unless and to the extent prohibited by law.
Qualifications & exceptions
Exclusions apply unless and to the extent prohibited by law.
Legal Rights & Agreement Rules · Restriction or exception
Cap on PayPal liability to actual direct damages
PayPal's total liability in any circumstance is limited to the actual amount of direct damages suffered by the claimant.
Supporting quotations
Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages.
Qualifications & exceptions
Capped strictly at actual direct damages
purpose: liability_limitation
Legal Rights & Agreement Rules · Restriction or exception
Disclaimer of uninterrupted service and merchant warranties
PayPal provides services as is and disclaims specified implied warranties and guarantees of uninterrupted or secure service. It does not control sellers or guarantee completion by buyers or sellers. It promises reasonable processing efforts but no fixed processing time; some state laws restrict these disclaimers.
Supporting quotations
provided “as-is”
Some states do not allow the disclaimer of implied warranties
Qualifications & exceptions
Some state laws can limit the warranty disclaimers.
Legal Rights & Agreement Rules · Restriction or exception
Binding individual arbitration agreement and jury trial waiver
The agreement requires binding individual arbitration of covered disputes, including past and post-termination disputes, unless a valid opt-out applies. Either side may elect qualifying individual small-claims court. Copyright, trademark, patent and trade-secret disputes are exempt from arbitration and the informal process. Courts decide arbitrability and enforceability issues.
Supporting quotations
except that you or we may elect to have a Dispute heard in small claims court
will not be subject to arbitration or the “Mandatory Informal Dispute Resolution Process.”
You can choose to opt-out
Qualifications & exceptions
Subject to timely opt-out, small-claims and specified intellectual-property exceptions.
Legal Rights & Agreement Rules · Restriction or exception
Class action and representative proceeding waiver
Where law permits, both parties waive class, collective, consolidated, private-attorney-general and representative claims in court or arbitration and waive jury trial. They may still participate in a class-wide or mass settlement. These waivers remain after an arbitration opt-out.
Supporting quotations
THE PARTIES RETAIN THE RIGHT TO PARTICIPATE IN A CLASS-WIDE OR MASS SETTLEMENT OF CLAIMS.
TO THE EXTENT PERMITTED BY APPLICABLE LAW
such as the class action waiver and jury trial waiver
Qualifications & exceptions
Where permitted by law.
Class-wide and mass settlements remain permitted.
Legal Rights & Agreement Rules · Procedure
Mandatory certified mail Notice of Dispute prerequisite
Claimants must send a completed Notice of Dispute form with an original handwritten signature via certified mail to Omaha, Nebraska before initiating arbitration or small claims court.
Supporting quotations
Before initiating arbitration or commencing a matter in small claims court, you or PayPal must first send the other party, by certified mail, a completed [Notice of Dispute](https://internal.paypalinc.com/us/legalhub/paypal/pp-notice-dispute) form. You should send this Notice of Dispute to PayPal at: PayPal, Inc., Attn: Legal Specialists, Re: Notice of Dispute, P.O. Box 45950, Omaha, NE 68145-0950. PayPal will send any Notice of Dispute to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date. To be valid, the Notice of Dispute must contain all information called for in the form including but not limited to: your original handwritten signature or, for PayPal, the original handwritten signature of an authorized representative (and your or our counsel’s original handwritten signature, if represented); the email address and phone number associated with the customer's PayPal account, a detailed description of the nature and basis of the claims that are being asserted; a statement of the specific relief sought with a good faith calculation for it; and any relevant documents and supporting information reasonably available to the claiming party. To safeguard your personal information, if you have retained an attorney to submit your Notice of Dispute, you also must provide written authorization, with your original handwritten signature, allowing us to discuss the Dispute and your account and to share your account records with your attorney. We also may ask for verification of your identity and the fact that you authorized submission of the Notice of Dispute or disclosure of account information to your attorney. You agree to cooperate promptly with any reasonable request for verification.
Qualifications & exceptions
Certified mail Notice of Dispute with handwritten signature mandatory
Broad royalty-free content license to PayPal and moral rights waiver
Users keep content ownership but ordinarily grant PayPal and its collaborators a nonexclusive, irrevocable, royalty-free, transferable worldwide license to operate, improve and promote current services and develop new ones, without compensation. Users warrant adequate rights and waive moral rights. Seller trademarks have a separate, narrower clause.
Supporting quotations
when you provide content to PayPal or post content using PayPal services, you grant PayPal (and parties that we work with) a non-exclusive, irrevocable, royalty-free, transferable, and worldwide license to use your content and associated intellectual property and publicity rights to help us improve, operate and promote our current services and develop new ones. PayPal will not compensate you for any of your content. You acknowledge that PayPal’s use of your content will not infringe any intellectual property or publicity rights. Further, you acknowledge and warrant that you own or otherwise control all of the rights of the content you provide, and you agree to waive your moral rights and promise not to assert such rights against PayPal.
Qualifications & exceptions
Seller trademarks are subject to the following specific license.
Legal Rights & Agreement Rules · Restriction or exception
Assignment prohibition without written consent
Users cannot transfer or assign contractual rights without PayPal's prior written consent; PayPal may assign the agreement freely at any time.
Supporting quotations
You may not transfer or assign any rights or obligations you have under this user agreement without PayPal's prior written consent. PayPal may transfer or assign this user agreement or any right or obligation under this user agreement at any time.
Qualifications & exceptions
Unilateral assignment permitted to PayPal only
purpose: contract_administration
Account & Service Control · Procedure
Two-year inactivity account closure and state escheatment
After two years without login, PayPal may close the account and send funds to a verified primary address or, where required, transfer them as unclaimed property to the state. Unknown or foreign addresses use Delaware. Required notice precedes escheatment, and funds can be reclaimed through the state administrator.
Supporting quotations
If you do not log in to your PayPal account for two or more years, PayPal may close your PayPal account and send any funds in the PayPal account, including any balance in a linked Balance Account to your primary address (if we have verified the required identifying information that you have provided to us) or, if required, escheat (send) those funds to your state of residency. PayPal will determine your state of residency based on the state listed in the primary address for your PayPal account. If your address is unknown or registered in a foreign country, the funds in your PayPal account, including any balance in a linked Balance Account will be escheated to the State of Delaware. Where required, PayPal will send you a notice prior to escheating any funds in your PayPal account, including any balance in a linked Balance Account. If you fail to respond to this notice, the funds in your PayPal account, including any balance in a linked Balance Account will be escheated to the applicable state. If you would like to claim any escheated funds from the applicable state, please contact the applicable state's unclaimed property administrator.
Qualifications & exceptions
Closure and legally required escheatment are distinct steps.
Required notice is sent before escheatment.
Legal Rights & Agreement Rules · Context
Delaware governing law and New York County court forum
Delaware law governs except where federal law preempts or the agreement states otherwise. Unless otherwise agreed and to the extent lawful, nonarbitrated disputes and arbitration-enforceability cases belong in New York County courts, with an exception for small-claims court.
Supporting quotations
except to the extent inconsistent with or preempted by federal law
except for disputes brought in small claims court
Qualifications & exceptions
Federal-law and other stated exceptions apply.
Qualifying small-claims cases are excluded from the New York forum.
Data Access & Collection · Company practice
Privacy Statement incorporation and data disclosures
Directs users to the PayPal Privacy Statement detailing data collection, processing, and disclosure practices.
Supporting quotations
Please review our Privacy Statement in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.
Qualifications & exceptions
Cross-references external Privacy Statement
data: personal_data · purpose: privacy_notice
Use & Processing · Restriction or exception
Seller customer data use limitation and marketing prohibition
Customer data supplied by PayPal, excluding data obtained directly from the customer, may be used only as necessary and relevant to PayPal services unless prior customer consent permits other use. Sellers must obtain needed disclosures and consents, and may disclose PayPal-supplied customer data only to service providers acting for them.
Supporting quotations
Any personal data provided to you by PayPal in connection with the PayPal services, excluding personal data collected or obtained by your directly from the customer, 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. You represent, warrant, and covenant that you will provide and/or obtain all necessary disclosures and consents, as applicable, in connection with your data collection and sharing practices with PayPal. You may not disclose or distribute any customer personal data provided to you by PayPal to a third party, unless such third party is your service provider and acting on your behalf (as defined by applicable law).
Qualifications & exceptions
Applies to data supplied by PayPal, excluding customer data obtained directly.
Other uses require prior customer consent.
Security & Safeguards · Restriction or exception
Users must secure credentials and keep contact details current
Users are responsible for security and control of account-access IDs, passwords, PINs and other codes, and must keep mailing, email and other contact details current.
Supporting quotations
You are responsible for maintaining adequate security and control
Account & Service Control · Restriction or exception
Account type must fit the primary purpose of use
Personal or household use requires a personal account; primary business use requires a business account, even without incorporation. PayPal may close a mismatched account unless the activity stops or the account converts. Business accounts cannot receive personal transactions, and their linked payment methods must be primarily commercial.
Supporting quotations
unless you agree to cease the business or commercial activity or convert
not eligible to receive
each payment method you link to your business account
Legal Rights & Agreement Rules · Restriction or exception
Business payment products and single sign-on carry extra requirements
Using a Business Account Payment Solution accepts applicable additional terms when the agreement or those terms have been accepted. SAML single sign-on users attest compliance with applicable multi-factor authentication regulations and must supply reasonably requested evidence.
Supporting quotations
You accept (or have previously accepted) this user agreement and you start using a Business Account Payment Solution.
You will provide information to demonstrate compliance with this requirement as reasonably requested by PayPal.
Data Access & Collection · Permission or license
Business accounts authorize credit-report checks
Opening or converting to a business account consents to personal and/or business credit reports at account opening and whenever PayPal reasonably believes account risk has increased.
Supporting quotations
whenever we reasonably believe there may be an increased level of risk associated with your business account.
Charges & Financial Obligations · Company practice
PayPal may refresh and verify linked payment details
PayPal may update payment details using third-party information; unlink the method to prevent updates. Card verification charges $1.95 then promptly refunds it after confirmation. Manual bank verification uses two deposits under $1 each and a matching combined debit.
Supporting quotations
we may update it using information and third-party sources available to us
$1.95 U.S. dollars
two small deposits
Charges & Financial Obligations · Permission or license
Checkout authorization covers revised totals and backup charges
A purchase or donation authorizes the checkout amount and applicable fees on the selected or backup method. Post-checkout revisions, such as shipping changes or split orders, may change that charge. Automatic payments may charge a backup method for any uncovered remainder.
Supporting quotations
you authorize PayPal to charge the selected or backup payment method for the revised amount
you then authorize PayPal to charge the remaining amount due
Charges & Financial Obligations · User right or choice
Unlinking a method revokes only future transaction authority
Unlinking a payment method ends authority for transactions initiated afterward. It does not stop previously authorized charges, retries, backup charges or related errors and disputes. A pending seller transaction may prevent unlinking until completion.
Supporting quotations
Such revocation only applies to transactions that are initiated, by you or by a seller, after you unlink the payment method.
Charges & Financial Obligations · Context
Personal balances require a separate Balance Account
Money cannot be held as a balance in the personal account itself. It can be held in a linked Balance Account or withdrawn through available routes; a standard transfer to an eligible bank or debit card is free, while instant transfers carry disclosed fees.
Supporting quotations
cannot be held as a balance in your personal account.
for free
subject to the fees applicable to such transfers
Charges & Financial Obligations · Company practice
Paper withdrawals carry a fee and a 180-day cashing deadline
Checks for personal accounts without a Balance Account and for business accounts carry a nonrefundable $1.50 fee. Cash the check within 180 days or the funds return to the relevant balance or are held for you, with the fee retained. Checks go only to confirmed addresses, not PO boxes.
Supporting quotations
you must cash it within 180 days of the date of issuance
retain the non-refundable fee of $1.50 U.S. dollars.
Charges & Financial Obligations · Company practice
PayPal balances generally earn no interest and are unsecured claims
PayPal pools eligible non-bank-held funds in permitted liquid investments, keeps the earnings, and gives users no ownership in those investments. The pooled money is separated from corporate funds and is not used for operating expenses or voluntarily offered to creditors, but balances represent unsecured claims against PayPal. Users receive no interest.
Supporting quotations
You will not receive any interest or other return on the funds held with PayPal.
unsecured claims against PayPal.
Charges & Financial Obligations · Context
FDIC coverage is conditional and protects against a program bank failing
Qualifying US-dollar Balance funds linked to a debit card, direct deposit or crypto account, and eligible business-account funds linked to crypto, are placed at Program Banks and may receive pass-through FDIC protection subject to conditions and limits. It protects against a bank’s failure, not PayPal’s. PayPal is not a bank or FDIC-insured; other balances and crypto are not insured bank deposits.
Supporting quotations
FDIC insurance protects against the failure
not the failure of PayPal.
Any other balance funds and all cryptocurrencies are not held in FDIC-insured bank deposits.
Charges & Financial Obligations · Context
Savings is a separate bank account accessed through PayPal Balance
PayPal Savings is supplied by Synchrony Bank and requires a Balance Account. It cannot directly fund purchases or personal transfers; deposits and withdrawals pass through the PayPal balance under authorized instructions. Cryptocurrency services instead come from PayPal Digital, Inc. under separate terms.
Supporting quotations
PayPal Savings is a deposit account provided by Synchrony Bank
does not act as a payment method
Cryptocurrency services and accounts are provided by PayPal Digital, Inc.
Data Access & Collection · Restriction or exception
Business balance functions depend on identity verification
PayPal requires sole-proprietor name, address, birth date and tax ID, or other entity name, address and tax ID. Until verified, the balance has limited withdrawal and debt-payment uses and cannot be topped up. Verification enables purchases, sending funds and eligible top-ups, subject to limits.
Supporting quotations
name, physical address, date of birth and taxpayer identification number
business name, business address and taxpayer identification number.
you cannot add funds to your balance in a business account.
Charges & Financial Obligations · Restriction or exception
Business top-ups and routing-number payments have limits
Eligible business accounts can use linked transfers, cash-at-store or check-cashing options subject to availability, fees and transaction limits. Check-cashing is unavailable with a negative balance. Assigned bank and routing numbers serve business transactions, may settle after a delay, and have transaction limits; merchant-scheduled payments are managed through that merchant.
Supporting quotations
Cash a Check is not available if you have a negative balance
there may be some delay
Management of any scheduled payments, including cancellation, can be done through the merchant
Charges & Financial Obligations · Company practice
Withdrawals may be delayed or limited for risk checks
PayPal may delay withdrawals for authorization or reversal concerns, and account holds, limitations or negative balances can require the user to restart withdrawal once resolved. Verification may increase withdrawal limits but does not guarantee an increase.
Supporting quotations
you will have to reinitiate the withdrawal
may allow us to increase your withdrawal limit
Charges & Financial Obligations · Company practice
Currency conversion uses PayPal’s rate and retained spread
PayPal sets and regularly adjusts its exchange rate, including a spread it retains. It may convert other-currency balances to cover payments or require conversion to receive certain currencies, and may limit conversions. Offline processing or holds can change the rate applied, favorably or unfavorably.
Supporting quotations
includes a currency conversion spread applied and retained by us
at the time the payment transaction is processed by the seller.
may be more favorable or less favorable to you.
Charges & Financial Obligations · Restriction or exception
Speculative currency trading is prohibited
Users bear multicurrency risks and cannot use balances for speculative currency trading, arbitrage or other activity PayPal determines primarily seeks gains from conversion rates. PayPal may hold, cancel or reverse violating transactions.
Supporting quotations
You may not manage or convert multiple currencies for speculative trading purposes
Charges & Financial Obligations · User right or choice
Some card payments allow a choice of conversion provider
Using a card generally authorizes PayPal conversion when necessary, but a card issuer or network may allow issuer conversion instead, at its rates and fees. PayPal converts balance or bank-funded payments; Mastercard converts PayPal Debit Card payments except checkout and Send Money payments, which PayPal converts.
Supporting quotations
You may have the right to have your card issuer perform the currency conversion
except for PayPal Debit Card transactions in PayPal checkout or when using the Send Money feature
Charges & Financial Obligations · Restriction or exception
Fees exclude taxes and users handle their transaction taxes
Users owe legally applicable taxes on PayPal fees and must determine, collect, report and remit taxes on their own transactions. Legally required withholding does not reduce the amount PayPal is entitled to receive. PayPal may report processed transactions to tax authorities.
Supporting quotations
exclusive of any taxes
the amount payable by you to PayPal shall not be decreased by the amount withheld.
assess, collect, report, and remit the correct taxes
Data Access & Collection · Company practice
Missing tax information can cause holds and withholding
PayPal may require tax IDs and documentation. Missing or stale information can cause holds, limits and withholding on gross payments; PayPal may be unable to refund tax already remitted. Withholding conversions use its currency-conversion terms.
Supporting quotations
you may be subject to account holds or limitations and withholding Taxes
may be prohibited from refunding any amounts
Legal Rights & Agreement Rules · User right or choice
Users can obtain account activity statements
Users have a right to account statements online. A personal account with a linked Balance Account receives one statement for all personal-account transactions and another for Balance-only transactions.
Supporting quotations
You have the right to receive an account statement showing your PayPal account activity.
Charges & Financial Obligations · Company practice
Unclaimed or declined personal payments are refunded
A recipient without an eligible account can open one to claim a personal payment; otherwise it is refunded. Declined payments include a refund of charged fees, ordinarily to the original method; unavailable bank refunds go to a balance or remain available to claim. PayPal may limit the amount sent.
Supporting quotations
If they don’t claim it, it will be refunded to you.
including any fees you were charged
impose limits on the amount of money you can send
Charges & Financial Obligations · Context
Payment purpose affects fees and protection
Goods and services must be paid as commercial transactions, not friends-and-family payments. Commercial Send Money normally charges the seller; business payments to recipients without PayPal use Bill Pay for Business Accounts, charging the sender. Personal-transfer fees are shown in advance, and card issuers may charge cash-advance fees.
Supporting quotations
You must not send money as a personal transaction
you will pay the applicable
cash-advance fee
Charges & Financial Obligations · Company practice
Seller payments can remain pending for up to 30 days
A seller without an account must open one within 30 days or the purchase is refunded. Some sellers have up to 30 days to complete an authorized payment; card holds may appear and the conversion rate can be the rate at processing. Available methods may be limited for risk or seller reasons.
Supporting quotations
within 30 days, your purchase will be refunded.
but no longer than 30 days
may limit the payment methods available
Charges & Financial Obligations · Context
Purchase and donation fees have currency and business-payment exceptions
PayPal ordinarily charges buyers no fee for purchases or donations, but conversion spreads and card-issuer foreign fees can apply. PayPal Business Payments can charge the buyer when the seller discloses that fee.
Supporting quotations
you don't pay a fee to PayPal.
the seller discloses to you that you, as the buyer, must pay the fee.
Charges & Financial Obligations · Company practice
Risk review can delay delivery or cancel a transaction
PayPal may hold a high-risk payment and tell the seller to delay shipment. Clearance permits shipment; otherwise PayPal cancels and returns the funds unless law requires another action.
Supporting quotations
unless we are legally required to take other action.
Charges & Financial Obligations · Restriction or exception
Stopping automatic payments does not erase debts to the seller
Canceling automatic authorization stops future automatic payments under that agreement, but payment for already authorized purchases or other unpaid goods and services may still be owed.
For regular recurring payments that vary, the seller must give the amount and date at least 10 days in advance. If offered, the user can elect notices only when payments fall outside an agreed range. PayPal conversions use the rate when the automatic payment processes.
Supporting quotations
at least 10 days before the transfer is made.
in effect at the time the automatic payment transaction is processed.
Charges & Financial Obligations · Company practice
Refund destinations depend on the original payment method
Online purchase refunds typically return to the original card, PayPal Credit or balance. Bank refunds are attempted to the bank, with balance or claimable-fund fallbacks. In-store refunds return to the PayPal balance or become claimable; reward-funded refunds are dollar amounts and may not restore reward points.
Supporting quotations
typically be refunded to the original payment method
the money will be waiting for you to claim
your issuer may or may not credit your purchase back to your reward balance.
Charges & Financial Obligations · Company practice
Refund exchange rates can differ after one day
If PayPal converted the payment, a refund within one day uses the original exchange rate including spread; later refunds use the rate on the refund date. Refund currency is the payment currency where possible, then the primary holding currency, then US dollars.
Supporting quotations
Within 1 day
on the date of the refund will apply.
then in U.S. dollars.
Charges & Financial Obligations · Company practice
A one-time method can become the future preference
Preferences can differ for online, in-store and automatic payments and may be unavailable for some sellers. If no online preference exists, choosing a method other than PayPal Credit for a one-time online purchase also consents to setting it as the future online preference.
Supporting quotations
separate preferred payment methods
your express consent to make that your preferred payment method
Charges & Financial Obligations · Company practice
Backup and automatic-payment funding may differ from the preference
Some online transactions require backup funding and may not offer a separate conversion-provider choice for that backup. Automatic agreements may use available balance first. If preferred funding is insufficient, the stated backup sequence runs through balance, bank, PayPal co-branded credit, debit, credit, then e-check; failed bank funding can bypass that order.
Supporting quotations
you may not be able to separately choose
that balance may be used before your preferred payment method
notwithstanding the order specified above
Charges & Financial Obligations · Company practice
Domestic balance and bank personal transfers have waived PayPal fees
For Send Money to eligible US accounts using an eligible PayPal balance or bank account, PayPal waives its listed fees and displays these options first. Users may choose another available method, with any fee shown before sending.
Supporting quotations
we waive all fees charged to you
we will always show you the fee before you send money.
Charges & Financial Obligations · Company practice
Rejected bank transfers may be retried twice and incur overdraft fees
PayPal can re-present a rejected bank transfer up to twice, even if funds are added to PayPal while a retry is pending. PayPal and bank protections differ; a purchase can cause bank overdraft fees even where the user declined bank overdraft service. E-check payment typically takes four to seven Business Days and longer for foreign banks.
Supporting quotations
up to two (2) times
even if you chose not to allow overdrafts with your bank.
4-7 Business Days
Sharing & Disclosure · Company practice
Reward redemption shares account information and may charge the full card amount
Pay with Rewards exchanges needed account information with the issuer or reward provider. Provider terms control eligibility and value, and redemption can be limited or ended. Only rewards available at processing apply; users authorize charging up to the full purchase to the associated card or account if rewards or transaction amounts change.
Supporting quotations
PayPal may share with and receive information
charge up to the full payment amount
Charges & Financial Obligations · Company practice
Debit-network routing can affect available protections
PayPal can route debit payments through ATM or card networks; a switch to Visa or Mastercard may offer more protection. PayPal Debit transactions in checkout or Send Money instead debit the PayPal balance directly.
Supporting quotations
Choosing the Visa/Mastercard network may give you additional protection
Account & Service Control · Restriction or exception
Stored loyalty cards remain the user’s responsibility
Users must enter and update loyalty-card details and check reward receipt. PayPal does not manage the loyalty account; the seller’s rules apply. The separate PayPal Rewards Program Agreement governs PayPal rewards.
Supporting quotations
It is also your responsibility to ensure that you are receiving the rewards
Such agreement governs participation in the PayPal Rewards Program
Charges & Financial Obligations · Restriction or exception
Sellers must use the correct payment channel and pay receipt fees
Sellers and donation recipients owe applicable receiving fees. Sellers cannot ask buyers to use friends-and-family payments, and donation tools cannot be used for sales; violations can remove those capabilities. Guest-checkout integrations and invoicing accept further applicable terms.
Supporting quotations
Pay any applicable fees for receiving the funds.
Not ask your buyer to send you money as a personal transaction
Not use the Donate Button
you agree to all further terms of use
Legal Rights & Agreement Rules · Restriction or exception
Some card merchants must accept a Commercial Entity Agreement
Card-network volume, business-category or guest-payment criteria can require sellers to contract with processing member banks. Those agreements are incorporated into the PayPal agreement.
Supporting quotations
you are required under the applicable card network rules
are incorporated by reference
Charges & Financial Obligations · Restriction or exception
PayPal surcharges are prohibited
A seller cannot charge a fee for accepting PayPal. A genuine handling fee is permitted only if it does not function as a surcharge and is no higher than the handling fee for other payment methods.
Supporting quotations
as long as the handling fee does not operate as a surcharge
Use & Processing · Company practice
PayPal and Venmo must receive at least equal presentation
Sellers must present PayPal and Venmo at least as favorably as other payment methods in prominence, flow and conditions, cannot place other methods earlier in checkout, and cannot mischaracterize them, steer customers away or encourage alternatives.
Supporting quotations
you must not present any payment method or mark upstream
not to try to dissuade or inhibit your customers
purpose: advertising
Legal Rights & Agreement Rules · User right or choice
Sellers must publish support and return information
Sellers must make an active support email or ticket URL and/or phone number readily accessible, publish a refund and returns policy, and publish a privacy policy where law requires.
Supporting quotations
Such information must be readily accessible
You must publish a refunds and returns policy.
where required by law.
Charges & Financial Obligations · Restriction or exception
In-store sellers must disclose totals and respect QR-code limits
In-store charges require buyer authorization, advance total disclosure, accurate descriptions and a physical receipt on request. Sales need goods-and-services QR codes; in-person codes cannot be used for online sales. QR disputes may require alternative delivery evidence.
Supporting quotations
You may charge your customer's account only for transactions that they have authorized.
must also not use QR codes intended for in-person transactions
Legal Rights & Agreement Rules · Restriction or exception
Marketplace and invoicing rules also apply
Invoicing is subject to the separate Invoicing Terms. Marketplace and third-party app sellers must follow that forum’s buyer-protection rules, which can affect claims.
Supporting quotations
will apply.
you must comply with any rules
Account & Service Control · Company practice
Eligible charities may be automatically enrolled in Giving Fund
Qualifying charities may be enrolled in PayPal Giving Fund when accepting this agreement and receive confirmation by email. Its separate nonprofit agreement governs. Email can be opted out of in the profile; enrollment and donations can be declined by contacting PayPal.
Supporting quotations
you may be automatically enrolled
you can opt-out at any time by contacting us.
Charges & Financial Obligations · Context
Card payments count as card-not-present even inside a store
A buyer’s card-funded PayPal purchase is processed as card-not-present even when the buyer is physically at the seller’s store.
Supporting quotations
even if the buyer is at your store location.
Legal Rights & Agreement Rules · User right or choice
Sellers need recurring-payment authorization and accessible cancellation
Sellers must get prior approval for amount, frequency and duration, allow cancellation online for online sign-up and allow stops up to three Business Days before payment. They cannot restart canceled payments without written authorization. Varying amounts require 10 days’ notice, with an optional agreed-range exception.
Supporting quotations
Get each buyer's prior authorization
without the buyer's written authorization
simple and easily accessible online cancelation procedure
3 Business Days
at least 10 days
Charges & Financial Obligations · Company practice
Seller pricing depends on transaction and account qualifications
Transaction fees depend on buyer country or card currency, product and documented charity status; charity rates start only after documentation. Future fees can change with applicable notice. Dynamic Micropayments applies the cheaper applicable rate; static pricing covers all transactions and may be converted to dynamic at PayPal’s discretion.
Supporting quotations
only after you document your status
subject to the applicable notice requirements
whichever rate results in the lowest fees
unilaterally convert your account
Legal Rights & Agreement Rules · Procedure
Business pricing and fee errors require written notice within 60 days
After account statements or activity information become available, business users have 60 days to report pricing or fee discrepancies in writing. Otherwise PayPal treats the information as accepted and need not correct it unless law requires. Unauthorized transfers have separate deadlines.
Supporting quotations
sixty (60) days to notify PayPal in writing
unless otherwise required by applicable law.
Charges & Financial Obligations · Restriction or exception
Sellers owe reversed payments and fees even after receiving funds
Refunded or invalidated payments make sellers responsible for the full amount and applicable fees. PayPal retains the original transaction fees on refunds and may convert currency at the reversal rate, charge linked methods and pursue a negative balance, which must be funded immediately.
Supporting quotations
responsible for the full amount of the payment sent to you plus any fees
we'll retain the fees you paid
you must immediately add funds
Charges & Financial Obligations · Company practice
Payments can be reversed for disputes, errors and unmet seller duties
Reversal grounds include lost buyer claims, late or inadequate responses, nonprotected card chargebacks, failure to deliver or prove delivery, fraudulent bank reversals, mistaken or unauthorized payments and agreement violations. Card issuers decide card chargebacks.
Supporting quotations
within the timeframe communicated to you
The card issuer, not PayPal, determines
cannot provide
The payment was unauthorized.
Charges & Financial Obligations · Company practice
Seller dispute fees depend on a three-month dispute ratio
PayPal charges dispute fees for account or guest-checkout claims, chargebacks and reversals after decision. A ratio of at least 1.5% plus more than 100 sales in the prior three full calendar months triggers the high-volume rate; otherwise the standard rate applies. Unauthorized claims are excluded from the stated ratio calculation.
Supporting quotations
after the claim is decided.
previous three calendar months
1.5% or more
more than 100 sales transactions
Charges & Financial Obligations · Company practice
Dispute-fee exemptions differ between standard and high-volume rates
Both rates exempt un-escalated inquiries, direct settlements without escalation and unauthorized claims filed directly with PayPal. Standard fees also exempt qualifying Seller Protection, low-value claims below twice the fee, and decisions in the seller’s favor. Exempt claims may still affect the ratio; high-volume sellers may need a remediation plan, and restricted activity can trigger high-volume fees regardless of sales or ratio.
Supporting quotations
all the requirements under
less than twice the amount of a Standard Dispute fee.
Decided in your favor
may be required to provide a remediation plan
irrespective of your dispute ratio or sales volumes
Charges & Financial Obligations · Company practice
Separate chargeback fees can apply even when the seller wins
For card chargebacks outside PayPal account or guest checkout processing, PayPal charges a separate fee regardless of the buyer’s success. It is deducted in the original listing currency or the primary holding currency where that currency is unavailable.
Supporting quotations
regardless of whether the buyer is successful
your primary holding currency.
Charges & Financial Obligations · Restriction or exception
Lost purchase-protection claims can require a full refund without item return
A seller losing PayPal or Venmo protection claims forfeits price and original shipping, receives no PayPal-fee refund, and may not receive the item back. Significantly-not-as-described claims can require accepting return and paying return shipping; counterfeits require a full refund and may not be returned. Resolution must be processed through PayPal/Venmo or supported by acceptable evidence of buyer agreement.
Supporting quotations
you may not receive the item back.
You will not receive a refund of the PayPal fees
pay for the return shipping costs.
evidence acceptable to PayPal
Charges & Financial Obligations · Context
Seller Protection is conditional under separate program terms
Eligible sellers may retain the full purchase amount under Seller Protection, including transactions cleared after payment review if program requirements are met. PayPal determines eligibility; the linked program terms are incorporated, and foreign buyers’ protections can differ.
Supporting quotations
may result in you retaining the full purchase amount.
if they meet PayPal's Seller Protection program requirements.
the purchase protection available to buyers in each of those countries.
Use & Processing · Company practice
Advertising-program content must be approved, complete and current
Participating merchants must use supplied code and complete unmodified PayPal content, obey advertising standards, keep it current and remove it when no longer using a qualifying solution. Other placements or self-created content need written permission. PayPal may change or end the program; merchants owe resulting violation damages and risk content removal or account limits.
Supporting quotations
without modification by you.
unless authorized by PayPal in writing.
Comply with applicable advertising laws
we may limit or close your PayPal account.
purpose: advertising
Account & Service Control · Restriction or exception
Restricted activities include fraud, abuse and avoiding account limits
Rules prohibit unlawful or infringing activity, counterfeits, harassment, misleading information, suspected fraudulent funds, refusing identity checks, double recovery in disputes, abusive card use, negative balances, self cash advances, prohibited-country access and evading account restrictions. Accounts linked to restricted activity and conduct generating complaints or liability can also be restricted.
Supporting quotations
Violate any law
Refuse to cooperate in an investigation
Attempt to double dip
negative balance
Circumvent any PayPal policy
Security & Safeguards · Restriction or exception
Unauthorized monitoring, proxies and technical disruption are prohibited
PayPal prohibits anonymizing proxies, automated or manual website monitoring or copying without prior written permission, robot-control bypass, malware, disruption, credit-card behavior testing and actions that threaten supplier services.
Supporting quotations
Use an anonymizing proxy
test credit card behaviors
Charges & Financial Obligations · Company practice
Restricted activity can freeze funds for 180 days or longer under legal process
PayPal may hold funds up to 180 days when reasonably needed for liability risk or Acceptable Use violations; legal process may extend that. It can suspend buyer or seller protection and recover Seller Protection amounts retained in the preceding 30 days, as well as restrict sending or withdrawals.
Supporting quotations
for up to 180 days if reasonably needed
longer than 180 days
30 calendar days prior to your suspension
Sharing & Disclosure · Company practice
Enforcement may involve contacts with buyers, banks and authorities
PayPal may contact affected buyers, financial institutions, other impacted third parties or law enforcement, correct inaccurate account information and take legal action over restricted conduct. Users must cooperate promptly with reasonable risk-assessment requests for records.
Supporting quotations
other impacted third parties, or law enforcement
cooperate with PayPal’s reasonable requests
Charges & Financial Obligations · Company practice
Risk holds generally last up to 21 days, with dispute extensions
Held money is unavailable to both sender and recipient. Risk holds generally last up to 21 days and may be released sooner at PayPal’s discretion. A disputed payment can remain held until resolved, up to 180 days under this rule. Marketplace holds can follow third-party instructions authorized by the seller.
Supporting quotations
not available to either the sender or the recipient
but no longer than 180 days
once you have granted us permission
Account & Service Control · Restriction or exception
Providing requested information does not guarantee removal of limits
Account limitations can reflect unusual activity, legal requirements, rule violations or seller risk. Nonpermanent restrictions normally require resolving issues and supplying information, but PayPal may keep taking protective action if it reasonably believes risk remains.
Supporting quotations
if we reasonably believe a risk still exists
Charges & Financial Obligations · Company practice
Business reserves can withhold rolling percentages or a minimum balance
Risk-based reserves make business funds unavailable for withdrawal. PayPal may use rolling percentages, minimum reserves or both, based on factors such as credit, delivery history and disputes. It notifies users of reserve terms and changes; the source’s percentage and period examples are not fixed requirements.
Supporting quotations
one or both may be applied at the same time
a percentage of each transaction
a specific minimum amount
we’ll notify you of the new terms.
Legal Rights & Agreement Rules · Company practice
Legal process can restrict or release funds beyond 180 days
Court orders or regulatory requirements can cause holds, reserves, limitations or release of funds. PayPal gives notice unless the process requires otherwise, need not contest an order, and may retain these restrictions beyond 180 days.
Supporting quotations
We do not have an obligation to contest or appeal
longer than 180 days.
Security & Safeguards · Context
Authorized account access and reversals have protection exceptions
Transactions made by someone given account credentials are not unauthorized merely because they exceed permission, unless PayPal was previously told that person no longer had transfer authority. Payment invalidations and reversals also fall outside the unauthorized-transaction definition; the error definition excludes shared-access transactions, ordinary balance inquiries and duplicate record requests.
Supporting quotations
unless you have previously notified PayPal
You are responsible for transactions made in this situation.
tax or other recordkeeping purposes.
Legal Rights & Agreement Rules · Procedure
Report unauthorized transfers immediately and review the 60-day deadline
Report lost credentials or unauthorized transfers immediately. If an unauthorized transfer appears on a statement, failure to report within 60 days can make later losses unrecoverable where PayPal proves timely notice would have prevented them. Good reasons such as hospitalization may extend the period.
Supporting quotations
within 60 days after we provided the statement to you
if we can prove
we may extend the time periods.
Legal Rights & Agreement Rules · Procedure
Ordinary transfer errors must be reported within 60 days of the first statement
Use phone support, the Resolution Center or the Error Resolution Department to report an error as soon as possible and within 60 days after the first statement showing it. Provide account identification, the error or requested clarification and amount. PayPal may require written confirmation of an oral report within 10 Business Days.
Supporting quotations
no later than 60 days after we sent the FIRST statement
in writing within 10 Business Days.
Legal Rights & Agreement Rules · Company practice
Error investigations normally provide temporary credit after 10 Business Days
PayPal normally determines errors within 10 Business Days. If it needs up to 45 days, it credits the disputed amount within 10 Business Days for use during investigation. It may withhold that credit if requested written confirmation does not arrive within 10 Business Days. New-account cases can take 20 Business Days for credit and new, point-of-sale or foreign cases up to 90 days to investigate.
Supporting quotations
we will credit your PayPal account within 10 Business Days
we may not credit your PayPal account.
up to 20 Business Days
Legal Rights & Agreement Rules · Company practice
Error findings come within three Business Days and supporting records can be requested
PayPal reports results within three Business Days after finishing investigation. A no-error finding gets a written explanation, and the user may request copies of the documents used.
Supporting quotations
within 3 Business Days
You may ask for copies
Charges & Financial Obligations · Company practice
Processing-error corrections and compensation have defined exceptions
PayPal corrects underpayments with a credit and overpayments with a debit. It accepts direct losses from late or incorrect processing unless funds were insufficient without its fault, the user knowingly used a broken system, or extraordinary events occurred despite precautions. Holds, risk reviews, stated completion delays and user mistakes are excluded.
Supporting quotations
losses or damages directly caused by this failure
through no fault of ours
despite our reasonable precautions.
Your errors in making a transaction
Legal Rights & Agreement Rules · Procedure
Business routing-number debit disputes have a next-day cutoff
For an unauthorized or excessive business debit using assigned account and routing numbers, notify PayPal by 8 PM Pacific on the Business Day following the Business Day it posts. Missing that cutoff makes the user responsible for recovery from the merchant or originator. Other business errors retain their separate protections.
Supporting quotations
by 8:00 PM PT
you will be responsible for recovering any potential losses directly
Legal Rights & Agreement Rules · Context
International remittance protections apply to qualifying personal Send Money transfers
Covered remittances are personal or household Send Money transfers from a personal account of at least $15 excluding fees to an account outside the US. Merchant-checkout payments do not qualify. Covered errors include wrong amounts, calculations, delivery and needed documentation, subject to stated estimate, extraordinary-event, screening and fraud exceptions.
Supporting quotations
equals or exceeds $15 U.S. dollars
are not “Remittance Transfers.”
delays resulted from fraud screenings
Legal Rights & Agreement Rules · Procedure
Remittance complaints have a 180-day reporting period
Report a remittance problem by phone, mail or the Resolution Center within 180 days of promised availability, supplying sender, recipient, amount, transaction code and problem details. PayPal investigates within 90 days, promptly corrects errors and reports within three Business Days; written explanations and investigation records are available.
Supporting quotations
within 180 days of the date we promised
within 90 days after you contact us
Data Access & Collection · Company practice
Calls may be recorded and phone numbers shared for service purposes
Where law permits, PayPal may monitor or record calls without further warning for training, quality and protection, but does not guarantee retention. It may share mobile numbers with contracted service providers for permitted activities, not with third parties for their own purposes without consent.
Supporting quotations
without further notice or warning, monitor or record
not share your mobile phone number with third parties for their own purposes without your consent.
Charges & Financial Obligations · Company practice
Debt recovery can span currencies, accounts and affiliates
PayPal can offset negative balances against later receipts or other PayPal accounts and debit overdue affiliate debts. A foreign-currency negative balance lasting at least 21 days is converted to US dollars at PayPal’s rate and spread; disclosed new transactions can combine existing negative balances.
Supporting quotations
21 days or longer
a past due amount owed to us or our affiliates
when that combination is disclosed to you in advance
Legal Rights & Agreement Rules · Restriction or exception
Bankruptcy enforcement costs and reversed-payment claims can pass to PayPal
PayPal claims reasonable enforcement costs and legal fees in insolvency proceedings. When it invalidates and reverses your payment, it assumes related rights against the recipient and third parties and may pursue them directly or for you.
Supporting quotations
all reasonable costs or expenses
PayPal assumes your rights against the recipient
Legal Rights & Agreement Rules · Restriction or exception
Disputes with other account holders release PayPal from related claims
Users release PayPal from known and unknown claims and damages related to disputes with another account holder, expressly waiving protections that would otherwise limit the release to known claims.
Supporting quotations
known and unknown
you expressly waive any protections
Legal Rights & Agreement Rules · User right or choice
Arbitration can be opted out of within 30 days of first acceptance
Opt out by completing and signing PayPal’s specified form and mailing it to the Litigation Department, Re: PayPal Opt-Out Notice, 2211 North First Street, San Jose, CA 95131, postmarked within 30 days after first accepting the user agreement. Include all requested account and contact details. Other terms, class and jury waivers remain, and other arbitration agreements are unaffected.
Supporting quotations
postmarked no later than 30 days
You must sign the opt-out notice for it to be effective.
Legal Rights & Agreement Rules · Procedure
Formal disputes require 60 days of informal negotiation
After a complete certified-mail Notice of Dispute, both sides negotiate in good faith for 60 days and personally attend a requested phone or video settlement conference, which may occur later. Completing the process is required before arbitration. Courts may enforce it and stay arbitration; limitations periods are paused during the stated process.
Supporting quotations
For a period of 60 days after receipt
is a condition precedent to initiating arbitration.
shall be tolled
Legal Rights & Agreement Rules · Procedure
Arbitration uses JAMS procedures with signed submissions
JAMS administers under applicable rules as modified by the agreement, with a court-appointed alternative if needed. A demand needs the notice, compliance certification and original handwritten signatures; improper submissions can incur sanctions. One neutral arbitrator ordinarily decides on written submissions, with a warranted hearing within 50 miles of the user’s county or parish unless another location is agreed.
Supporting quotations
original handwritten signature
authorized to impose any sanctions
within 50 miles
Legal Rights & Agreement Rules · Procedure
Individual arbitration relief and discovery have procedural limits
Arbitration generally provides individual relief and cannot combine people’s claims without agreement. If restrictions on particular nonindividual relief are unenforceable after appeals, that issue goes to court after other claims are arbitrated. Information exchange must be proportional, AI-generated submissions personally verified and certified, and the award reasoned; specified cost shifting applies.
Supporting quotations
after all other claims and requests for relief are arbitrated.
personally verified the content's accuracy.
cost-shifting provisions
Charges & Financial Obligations · Procedure
Arbitration fees follow JAMS rules
JAMS rules and its fee schedule govern arbitration fees. Either party can seek fee reduction or deferral, with both required to cooperate in good faith toward cost-effective proceedings.
Supporting quotations
Payment of arbitration fees will be governed by the JAMS Rules and fee schedule.
Legal Rights & Agreement Rules · Procedure
Coordinated mass arbitration proceeds in staged groups
At least 25 similar coordinated disputes trigger staged procedures that may delay claims. Initial stages generally handle up to 50 individual cases, followed by global mediation paid by PayPal. Remaining claims can later proceed in 100 randomly selected cases per stage. Applicable limitations periods are paused under the stated rules.
Supporting quotations
25 or more similar Disputes
50 cases total
PayPal will pay the mediator’s fee
a total of 100 cases
Legal Rights & Agreement Rules · User right or choice
Unresolved mass-arbitration claims can move to court after two mediations
After the second mediation, a claimant has 30 days to send a signed written election of court proceedings; PayPal has 14 days after that period to elect court through counsel. Counsel may adjust deadlines. A court also decides enforceability of the mass process; if it is unenforceable after appeals, the dispute proceeds in court.
Supporting quotations
within 30 days after the conclusion of the second mediation
within 14 days
shall only proceed in a court
Legal Rights & Agreement Rules · Context
The arbitration agreement supersedes earlier versions unless the account closed in time
The clause applies to pending and earlier disputes and replaces prior arbitration terms. It says users wishing to retain an earlier arbitration agreement must close their accounts before this version takes effect; prior agreements then continue to govern disputes.
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replaces and supersedes any prior Agreement
must close your PayPal account prior to the effective date.
Content & IP Rights · Restriction or exception
PayPal branding needs permission with a limited HTML-logo exception
PayPal and its licensors retain their service and technology rights. Branding generally needs prior written consent; supplied HTML logos may direct traffic to PayPal only without alteration, mischaracterization or implied sponsorship.
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You may use HTML logos provided by PayPal
implies PayPal’s sponsorship or endorsement.
Content & IP Rights · Permission or license
Software licenses are limited and revocable
PayPal grants a limited, revocable, nontransferable and nonsublicensable software license subject to documentation. Users cannot transfer rights, modify, copy or reverse engineer covered software or third-party components and owe resulting noncompliance damages. PayPal may update or discontinue software on notice; separate third-party app licenses and responsibility remain with those providers.
PayPal may update or discontinue any software upon notice to you.
Content & IP Rights · Permission or license
Seller trademark licenses last for the agreement’s term
Sellers license PayPal and affiliates to publicly display merchant marks worldwide, with transfer and multiple-tier sublicensing rights, during the agreement to identify PayPal acceptance or for other specifically consented uses.
Supporting quotations
during the term of this user agreement
any other use to which you specifically consent.
Legal Rights & Agreement Rules · Context
Business Days exclude weekends and specified US office holidays
Deadlines measured in Business Days use Monday through Friday excluding PayPal’s listed US office holidays, with Saturday holidays observed Friday and Sunday holidays observed Monday.
Supporting quotations
Monday through Friday, excluding holidays
the following Monday.
Legal Rights & Agreement Rules · User right or choice
An unreceived payment can be canceled for a full refund
The agreement grants cancellation for a full refund until the designated recipient receives the payment. Because most payments arrive within seconds, cancellation often becomes unavailable immediately; check transaction details or call support. Wrong-recipient and scam payments may be unrecoverable.
Supporting quotations
unless your designated recipient has already received the payment.
you may not be able to recover your funds.
Legal Rights & Agreement Rules · Context
Specified duties survive closure and invalid terms can be severed
Unless otherwise stated, invalid terms are severable without invalidating the rest. Indemnity, liability limits, dispute resolution and governing-law provisions survive termination along with other expressly surviving terms. Failure to enforce is not a waiver, and the agreement is the entire account and service agreement.
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shall survive termination
constitutes the entire agreement
Data Access & Collection · Company practice
Identity checks may use reports, documents and carrier information
PayPal may verify identity directly or through third parties using additional personal information, financial-instrument ownership, credit reports, databases or ID documents. It can restrict or close access if reasonable inquiries cannot verify required identity. Users authorize carrier account or device disclosures solely for identification and fraud prevention during the business relationship.
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ordering a credit report
after reasonable inquiries
solely to help PayPal identify you or your wireless device and to prevent fraud.
Legal Rights & Agreement Rules · Context
PayPal’s role is payment processing, not escrow or buyer verification
PayPal disclaims acting as escrow agent, agent or trustee, creating a partnership or employment relationship, or guaranteeing buyer or seller identity. Tax determination and collection duties apply only where expressly stated.
Supporting quotations
We act as a payment service provider only.
Act as an escrow agent
Guarantee the identity of any buyer or seller;
Data Access & Collection · Company practice
PayPal may crawl integrated merchant sites for compliance
Sites integrating or referencing PayPal may be automatically assessed using public data to check compliance and fraud. PayPal says this process does not collect customer personal data, but may collect personal data the merchant publishes about itself, subject to the stated purpose and Privacy Statement.
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collect any publicly accessible or available data
will not collect any of your customer personal data.
Legal Rights & Agreement Rules · User right or choice
California and Florida residents have regulator complaint routes
California residents can complain to DFPI and request emailed account communications by writing PayPal with an email address. Florida residents can contact the state Department of Financial Services. These are additional routes beyond PayPal complaints.
Supporting quotations
you may report complaints to the Department of Financial Protection & Innovation
Florida residents may contact
Legal Rights & Agreement Rules · Context
The English agreement governs translation conflicts
Translations are for convenience and do not change the agreement; English controls any conflict.
Supporting quotations
the English version shall control.
Charges & Financial Obligations · Restriction or exception
Unlawful internet-gambling transactions are prohibited
The account cannot process restricted transactions under the specified Federal Reserve regulation, including knowingly accepted payments connected to unlawful internet gambling.
Supporting quotations
Restricted transactions as defined in Federal Reserve Regulation GG are prohibited
Use & Processing · Context
Sellers and PayPal act as separate data controllers
For covered seller processing, PayPal and the seller independently determine purposes and means, maintain their own privacy practices, follow applicable law, keep security measures and processing records, and must not knowingly cause the other to breach data-protection law.
Supporting quotations
an independent data controller (and not joint controllers)