Pay, Send and Save Money with PayPal | PayPal US

Home | New Lens | About

Pay, Send and Save Money with PayPal | PayPal US

https://www.paypal.com/us/home • 336 KB fetched
Open original page

* Personal

* Business

Pay, send, and save smarter

pay

smarter

Shop in stores and online

Tap to pay in stores with the PayPal Debit Card 1 and earn rewards 2 online with PayPal checkout.

Get rewards from the brands you love

*
Adidas

*
Sony

*
Instacart

*
1-800 flowers.com

*
Origins

*
Nobull

*
Ticketmaster

0 1 2 3 4 5 6 7 % back

Get hundreds of offers. 2

Browse Offers

Check offers for details. Terms and exclusions apply .

+ 0 1 2 3 4 5 % back

Also get 5% on purchases in your monthly category 3 when you check out with your PayPal Debit Card.

Get the Debit Card

Rewards earned on up to $1000 of selected category spend per month. Rewards earned as points can be redeemed for cash or other options. Terms apply .

* Apparel

* Restaurants

* Rideshare and Public Transit

* Groceries

* 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. 4

Learn About Pay in 4

Pay Monthly in 3,
6, 12, or 24
payments

With $0 down.
No sign-up fees or late fees. 5

Learn About Pay Monthly

Pay Monthly
in store 5

Buy an item in store you’d like to purchase now but would prefer to pay for over time.

Learn About Pay Monthly In Store

Pay with the PayPal Cashback Mastercard ®

Earn 3% cash back when you check out with PayPal and 1.5% on all other Mastercard purchases. 6

Apply for the Credit Card

Special financing with the PayPal Credit Card

Enjoy special financing on all purchases of $149+ everywhere PayPal or Mastercard is accepted. 7

Learn More

Safety and privacy are our priority

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

See How You're Safe

send

smarter

Send money to just about anyone, anywhere 8

Send

Receive

Pool

Send

Send in seconds.

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

Receive

Request money easily.

Get Paid

Pool

Pool money up front for group gifts and more. 10

Start a Pool

Showing page 1 of 3

save

smarter

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

Get 3.30% APY 11 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 rewards 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. 12

Explore Crypto

Get the PayPal app

All in the
PayPal app

It’s your do-it-all digital wallet. Load up on offers before you shop. Track your packages. And manage it all on the go.

Get the app

Get the App

1
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 .

2
Offers are subject to availability. Redeem for rewards in the app. 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.

3
Earn 5% back in points in your PayPal Debit Card monthly category, on up to $1000 of spend. See paypal.com/rewardspal Earned as points redeemable for multiple options.

4
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. The lender for Pay in 4 is PayPal, Inc. (NMLS# 910457). Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Find more disclosures related to Pay in 4.

5
Pay Monthly is a consumer loan and is subject to consumer credit approval and eligibility. In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. 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. Marketing and program management by 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. Servicing by Bill Me Later, Inc. (NMLS#2296861). NMLS Consumer Access .

6
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.

7
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.

8
An account with PayPal is required to send and receive money. A PayPal Balance account is required to hold and use a balance.

9
An account with PayPal is required to create a link. PayPal links must be created in the PayPal app.

10
A PayPal Balance account is required to create a pool.

11
As of June 16, 2026, the annual percentage yield (APY) for PayPal Savings is 3.30%. 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.

12
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, N.A. is the provider of services.

All cryptocurrency prices shown are for illustrative purposes only.

Pay, Send and Save Money with PayPal | PayPal US

Links found on this page