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Pay, Send and Save Money with PayPal | PayPal US

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## PayPal for You

### Shopping & Rewards

- Buy Now, Pay Later
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## PayPal Open

The platform for all business

### Business Types

- Enterprises
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### Accept Payments

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# Pay, send, and save smarter

pay

smarter

## Shop in stores and online

Tap to pay in stores with the PayPal Debit Card and earn rewards online with PayPal checkout.

## Get cash back on the brands you love

- Adidas
- 1-800 flowers.com
- Apparel
- Restaurants
- Groceries

- Sony
- Origins
- ### 012345%cash back1

Get hundreds of

cash back offers.

Browse Offers

Check offers for details. Terms and exclusions apply.
- ### +012345%cash back

Add another 5% on purchases in your monthly category when you check out with your PayPal Debit Card.2

Get the Debit Card

5% cash back earned on up to $1000 of selected category spend per month. Cash back awarded as points that can be redeemed for cash or other options. Terms apply.

- Instacart
- Nobull
- Ticketmaster
- Rideshare and Public Transit
- Fuel

## Pay now or pay over time.
## It’s your choice.

### Pay in 4
### interest-free
### payments

Paid every two weeks. No late fees. Won't affect your credit score to apply.3

Learn About Pay in 4

### Pay in 3, 6, 12,
### or 24 monthly payments

With $0 down.

No sign-up fees or late fees.4

Learn About Pay Monthly

### Pay with the PayPal Cashback Mastercard®

Earn 3% cash back when you check out with PayPal and 1.5% on all other Mastercard purchases.5

Apply for the Credit Card

### Travel with the new PayPal Credit Card

Enjoy special financing on all qualifying travel purchases posted to your account by January 31, 2026.6 Plus, pay over time on all purchases of $149+ when you check out with PayPal.6

Learn More

## Safety and privacy are built in

Your payments are encrypted and we don’t share your full financial info

See How You're Safe

send

smarter

## Securely send money to just about anyone, anywhere⁷

### Send

Send in seconds.8

Send Money

### Receive

Request money easily.

Get Paid

### Split

Simply split the bill with friends and family.

Share Costs

### Pool

Pool money up front for group gifts and more.9

Start a Pool

save

smarter

## Make your money
## work harder.
## It’s easy. Really easy.

## Get 3.80% APY10 with your PayPal Savings account

It's free to set up, FDIC insured with and held at Synchrony Bank–and you can roll in all the cash back you earn with PayPal so you earn even more.

Start Saving

PayPal is a financial technology company, not a bank, and is not FDIC-insured. FDIC insurance protects against the failure of Synchrony Bank, Member FDIC, not the failure of PayPal. Any cryptocurrencies you hold in your PayPal account are not deposits, are not eligible for pass-through FDIC insurance and may lose value.

## Crypto the easy way

Crypto curious? Confidently buy, sell, and transfer your crypto on PayPal. Get peace of mind knowing we don’t share your full financial information.11

Explore Crypto

## All in thePayPalapp

Get the app

Get the PayPal app

Get the PayPal app

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PayPal is located at 2211 N 1st St. San Jose, CA 95131

The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“The Bancorp”) pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.

PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance Account. See PayPal Balance Terms and Conditions.

1

Offers are subject to availability. Redeem points for cash and other options. PayPal Rewards terms and merchant exclusions apply. Offers change often so refer to merchant site for the most accurate information. We may earn a commission when you make a purchase.

2

5% cash back earned on up to $1000 of selected category spend per month. Cash back awarded as points that can be redeemed for cash or other options. Terms apply.

3

Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older to apply: PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in 4.

4

Pay Monthly is subject to consumer credit approval and eligibility. Fixed APR is 9.99-35.99%. Terms and rates vary based on purchase amount and your credit. For example, a $200 purchase can be paid at 26% APR in 3 monthly payments ($69.56/mo.; $8.68 interest; $208.68 total of payments) . A $600 purchase can be paid at 26% APR in 6 monthly payments ($107.76/mo.; $46.57 interest; $646.57 total of payments) or 12 monthly payments ($57.33/mo.; $88.01 interest; $688.01 total of payments). A $1,500 purchase can be paid at 26% APR in 24 monthly payments ($80.77/mo; $438.47 interest; $1,938.47 total of payments). Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, CT, HI or WA. You must be 18 years old or older to apply. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

5

Applications and purchases are subject to credit approval and the PayPal Cashback Mastercard® must be used for payment. Earn 3% cash back when you check out with PayPal and 1.5% on all other Mastercard purchases. See Rewards Program Terms for details and eligibility criteria. The PayPal Cashback Mastercard® is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned and used with permission of EMVCo, LLC. See Terms & Rates for New Accounts.

6

For offer terms and rates, see Terms. The PayPal Credit Card is subject to credit approval and is available to US customers who are of legal age in their state of residence. The PayPal Credit Card is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

7

An account with PayPal is required to send and receive money. A PayPal Balance account is required to hold and use a balance.

8

An account with PayPal is required create a link. PayPal links must be created in the PayPal app.

9

A PayPal Balance account is required to create a pool.

10

As of June 3, 2025, the annual percentage yield (APY) for PayPal Savings is 3.80%. This is a variable rate and can change at any time, including after the account is opened. A PayPal Balance account is required to use PayPal Savings.

11

When you buy, sell, or convert cryptocurrency (other than when you buy or sell PYUSD in exchange for USD) including when you check out with crypto, we will disclose an exchange rate and any fees you will be charged for that transaction. The exchange rate includes a spread that PayPal earns on each purchase and sale. Learn more about cryptocurrency fees.

Buying and selling cryptocurrency is subject to a number of risks and may result in significant losses. Please see our disclosure for more details. PayPal does not make any recommendations regarding buying or selling cryptocurrency. Consider seeking advice from your financial and tax advisor. Custody, trading and transfer services for cryptocurrencies are performed for us by our licensed service provider, Paxos Trust Company, LLC or other appropriately licensed or otherwise authorized service provider.

All cryptocurrency prices shown are for illustrative purposes only.

\*This promotion is not produced, sponsored, or executed by BestBuy. TM & © 2024 Best Buy. All rights reserved.