Pay, send, and save smarter. 

Woman in orange dress holding shopping bags and her phone
pay
smarter

Shop and save in stores and online.

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

Get even more cash back on the brands you love.

  • DoorDash

  • Finish Line

  • Instacart

  • Nike

  • Nordstrom

  • Sephora

  • Ticketmaster

  • Clothing

  • Restaurants

  • Gas

  • Health & Beauty

  • Grocery

5%cash back

Get hundreds of

cash back offers.

Browse Offers

+5%cash back

Add another 5% from the category you choose every month, when you use the PayPal Debit Card.1

Get the Debit Card
Cash back earned as points you redeem for cash and other options on up to $1,000 spend/month.

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.2

Learn About Pay in 4

Pay in 3, 6, 12,

or 24 monthly payments.

With $0 down.

No sign-up fees or late fees.3

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.4

Apply for the Credit Card

Pay with

PayPal Credit.

PayPal Credit is your always on digital credit line when you check out with PayPal. No Interest if paid in full in 6 months on qualifying purchases.5

Apply for PayPal Credit
Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments required.

Safety and privacy are always built in.

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 around the world.6

save
smarter

Make your money

work harder.

It’s easy. Really easy.

Get 4.30% APY⁷ with your PayPal Savings account.

It's free to set up, FDIC insured with 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.

Get the PayPal app

Get the PayPal app

The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“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. 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
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.
2
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 or NV. 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: 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.
3
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, NC, or NV. 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.
4
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 restrictions. 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.
5
Offer is available when you check out with PayPal and choose PayPal Credit. PayPal Credit is subject to credit approval as determined by the Lender, Synchrony Bank, and is available to US customers who are of legal age in their state of residence. For PayPal Credit Account terms and rates, see Terms and Conditions.
6
An account with PayPal is required to send and receive money. A PayPal Balance account is required to hold and use a balance.
7
As of June 07, 2023, the annual percentage yield (APY) for PayPal Savings is 4.30%. 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.
8
Issuance of and custody of PayPal USD is performed by Paxos Trust Company, LLC. Learn more in PayPal’s Cryptocurrency Terms, and in the Paxos Terms that also apply to PYUSD.
PayPal, Inc. is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Buying, selling, transferring, and holding cryptocurrency with PayPal is not available where prohibited by law. 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.