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Getting Started
 General Information

What is PayPal?
PayPal makes sending money as easy as sending email. Today, users can instantly and securely send money to any email user in the U.S. You may also use PayPal on your web-enabled cell phones. In the future, we will offer PayPal on web-enabled pagers and other handheld devices.

How does PayPal work?
Once you sign up for PayPal, you can send money to anyone with an email address and we will deduct the money from your PayPal balance or charge your credit card. Recipients are notified by email that they have received a payment.

Why should I use PayPal?
PayPal is far less time-consuming than making a trip to the ATM or writing and mailing paper checks. And unlike checks, which can take days to clear, PayPal transactions clear instantly.

Does PayPal cost anything?
PayPal is absolutely FREE for consumers. PayPal provides premium services at low rates for businesses.
 Signing Up

How do I sign up for PayPal?
Just click on any Sign Up button at the top of every page. After you fill out the registration form, we'll send you an email to confirm that you receive messages at that email address. Once you confirm your email address, your account is activated.

How do I confirm my email address?
When you register, PayPal sends you an automatic email. By clicking on the link in the email, you will be taken back to www.PayPal.com and asked to enter your password. Your email address will then be confirmed.

If you cannot click on the hypertext link:

  1. Copy the confirmation number in the email we sent you.
  2. Log in to your account and click on "Confirm your email address."
  3. Click on the link indicating that your email program does not support hypertext links.
  4. Enter your confirmation number in the box provided.

Can I have multiple PayPal accounts?
No. You can add additional email addresses, street addresses, credit cards and checking accounts to your personal account. You may also choose to open a Premier or Business Account or choose to open a separate Premier or Business Account altogether.
 Logging In

How do I log in?
On the left-hand side of the PayPal homepage, enter your email address and password, and click enter.

What if my email address and password are not working?
Here are some tips to keep in mind:

  1. Your email address and password cannot contain any spaces.
  2. Be sure you use your entire email address and not your name.
  3. Be sure to include ".com" at the end of your email address (or relevant domain name).
  4. Your password is at least 8 characters long and is case sensitive. If you have the CAPS lock on your password may not work.
  5. Your browser must support cookies, and the option must be enabled in order for you to log in. Use the help on your browser to find out more about cookies for your specific browser.

What if I've forgotten my password?
You can reset your password by providing the answers to your security questions.
To reset your password:

  1. Click on Forget Your Password? on the login page.
  2. Enter your email address.
  3. An email will be sent to you that contains a link. Click on the link, or copy and paste the link into your browser window.
  4. The link will display your security questions and ask you to answer them.
  5. After entering your answers, you will be able to select a new password.

What if I've forgotten the answer to my secret question?
You can receive a new password in the mail if you have forgotten the answers to your security questions. To request that a new password be sent to you by regular mail, follow these steps:

  1. Click the link Forget Your Password? located under the Password box on the Login page.
  2. Enter your email address in the box provided. An email will be sent to you that contains a link.
  3. Click this link, or copy and paste the entire link into your browser window, and you will be taken to a page that displays your security questions and asks for your answer.
  4. Click the "I forgot the answer to my question" link in the bottom left corner of the page.
  5. Click the "Mail New Password" button.
  6. A new password will be mailed to your street address in 3 - 5 business days. You will be able to log in during this period if you recall the answers to your security questions.
My Account
 Overview

Are there any fees associated with using PayPal's services?
PayPal is absolutely FREE for consumers. PayPal provides premium services at low rates for businesses.

How does PayPal make money?
PayPal offers its payment service free of charge to U.S. consumers for personal use. Business use requires a Premier or Business account, which provide premium features for a low fee. These transaction fees for business use provide PayPal with revenue.

In addition, many consumer customers choose to keep a balance in their PayPal account. These balances are kept collectively in a high-grade money market mutual fund. The interest paid on this account is a PayPal revenue stream. Also, PayPal provides international and vendor services for which there are additional charges. PayPal may also pursue strategic partnerships that create other financial service revenue streams.

How do I get my $5 New Account Bonus?
Your account will be credited as soon as you confirm your email address, confirm a checking account, add $100 by electronic funds transfer, and sign up for our Money Market Reserve Fund to start earning a return on your money. You will receive an email notification when your New Account Bonus is rewarded. You can view the current status of your $5 bonus by logging in to your account and clicking on the "How do I get my $5 New Account Bonus?" link in your Account Overview page.

Can I have multiple PayPal accounts?
No. You can add additional email addresses, street addresses, credit cards and checking accounts to your personal account. You may also upgrade to a business account, or choose to start a separate business account altogether.

How secure are PayPal transactions?
PayPal is committed to utilizing the best commercially available technology and procedures to protect the security of your online transactions. We encourage you to carefully review our Security Policy if you have further questions.

How private are PayPal transactions?
PayPal is committed to protecting the privacy of our users. When you send or request money using PayPal, the only information the recipient sees is your email address, date of sign-up, and whether you have confirmed (or not confirmed) an account at another financial institution. Recipients never see your financial information such as credit card or checking account numbers. Please review our Privacy Policy for further information.
 Add and Withdraw Funds

How do I withdraw funds from my PayPal account?
You can withdraw funds from your PayPal account at any time by requesting an electronic funds transfer to your checking account or by requesting that a check be sent to you by US mail.

    To withdraw money electronically (usually takes 3 to 4 business days):
  1. If you have not already registered a checking account, you may do so by going to the Checking Account page.
  2. Once you have registered your checking account, click on the My Account tab and then the Withdraw subtab.
  3. Click on Electronic Funds Transfer.
  4. Enter the amount you would like to deposit into your checking account. After reviewing your request on the confirmation page, click on Submit. Your money will usually become available in your checking account within 3-4 business days, but may take more time depending on your bank's policies.
    To withdraw money by check (1 to 2 weeks):
  1. Click on the My Account tab and then the Withdraw subtab.
  2. Click on Check from PayPal. Enter the amount requested, and after reviewing the information on the confirmation page, click on Submit. Please allow 1 - 2 weeks to receive your check. You will receive an automatic email acknowledgement every time you request to withdraw funds.

Why hasn't my money been deposited into my checking account? It has been more than 3-4 business days.
Banks may take 3-4 business days before depositing the funds into your account.

    Your funds may not be available yet for a few reasons:
  1. Make sure it has been 3-4 business days. The banking system does not operate on weekends and holidays.
  2. If there was a problem with your request, it may take up to three weeks for your bank to notify us of this fact. Common problems include: an incorrect account number or routing number or using an account does not accept electronic funds transfers. As soon as the bank notifies us that there is a problem with a funds transfer, we contact the user by email and explain the source of the delay.

My withdrawal has a status of "Completed," but I have not received the funds in my checking account. What's wrong?
A status of "Completed" means that PayPal has sent the funds to your bank. PayPal cannot verify when the funds are deposited into your checking account. If there is a problem with your request, it may take up to one week for your bank to notify us. We will alert you by email as soon as we learn of any problems in processing your request.

How do I add funds to my PayPal account?
You may add funds to your PayPal account by electronic funds transfer from your checking account or by sending a check to PayPal. To add money electronically, you must first confirm your checking account.

    To confirm your checking account, follow these steps:
  1. If you have already registered a checking account, then click on the confirm your checking account link in your Account Overview and follow the instructions to confirm your checking account.
  2. If you have not yet registered a checking account, you may do so by going to the Checking Account page.
  3. We will automatically deposit two amounts into your checking account, each less than a dollar. These deposits will be at PayPal's expense.
  4. It takes 2-3 business days for the funds to appear in your checking account statement. We will send you an email reminder in 2 business days to check with your bank and find out the amounts of these two deposits.
  5. By entering these amounts on PayPal, you instantly confirm your checking account. Just look for the "Confirm your checking account" link in the Activate Account box on your Account Overview. You may also choose to confirm your checking account manually by mail or fax. In this case, you will receive an email when your checking account has been added and you will be allowed to add funds. You must first add a checking account before you can complete the confirmation process.
    Once you have confirmed your checking account, you may add funds electronically to your PayPal account by following these steps:
  1. Click on the My Account tab and then the Add Funds subtab.
  2. Click on "Electronic Funds Transfer."
  3. Enter the amount you would like to add to your PayPal account.
  4. After reviewing your request on the confirmation page, click on Submit. Your money will become available in your PayPal account within 3-4 business days.
You will receive an automatic email acknowledgement every time you request to add funds via electronic funds transfer to your PayPal account.
    To add money by check or money order, follow these steps:
    Note: Only U.S. Account Holders may add funds to their PayPal account with personal checks or money orders.
  1. Click on the My Account tab and then the Add Funds subtab.
  2. Click on Personal Check.
  3. This page contains your PayPal account number. Be sure to print and include that page with your check made payable to PayPal.
  4. Send your check or money order to: PayPal, Dept. #1634, Los Angeles, CA 90084-1634.
  5. After PayPal receives your check or money order, the funds will be available in your PayPal account after a temporary hold to verify funds. Typically this takes 3-4 business days.

Will I get charged for making electronic transfers from my PayPal account to my checking account?
No. PayPal will not charge you for making transfers from your PayPal account to your checking account. However, some banks charge their customers a fee and PayPal can make no assurances that you will not get charged by your bank. Please consult your bank and ask whether it charges for electronic fund transfers.

My transaction log recorded my electronic funds transfer as "Denied." What's wrong?

    There are a few reasons this can happen:
  1. You may have entered an incorrect checking account or bank routing number.
  2. Your checking account does not allow funds to be electronically transferred. Some accounts do not provide this service.
  3. You may have requested more money than is available in your checking account.
You will receive an email explaining the source of the denial.
 Credit Card and Checking Account

Do I have to add my credit card or checking account in order to use PayPal?
No. Your account is activated and you may send, receive and withdraw money as soon as you confirm your email address.

Do I have to register a credit card or confirm a checking account in order to send money?
No. However, since your account will start with a $0 balance, before you send money to anyone, you need to fund your account by sending a personal check to PayPal or by adding funds through electronic funds transfers from your checking account.

When is my credit card charged?
Your credit card will only be charged when you send money to someone and the amount you are sending is greater than the balance in your PayPal account.

When I use my credit card to send money, will I get charged a cash advance fee?
No, you will not be charged a cash advance fee if you send money for a Service, Goods - Auction, or Goods - Non-Auction transaction. For these transaction types, PayPal charges your credit card the same way a business does. You will only be charged for the transaction amount. If you send money for a Quasi-Cash transaction and pay with a Visa card, your Visa-issuing bank may treat the transaction as a cash advance and charge you cash advance fees. PayPal has no control over this. If you send money for a Quasi-Cash transaction, you may want to use a payment method other than Visa (e.g., Checking or MasterCard) to avoid potential fees.

What is the Credit Card Sending Limit?
In order to reduce the high cost of processing credit card transactions, PayPal imposes a credit card sending limit for all verified domestic users: a $1000 limit on sending credit card payments every six months. This limit is unrelated to the charge limit your credit card company imposes on your particular credit card, which may be lower than our $1000 limit. Only credit card payments sent to Personal Accounts count against this limit. Once you are verified, you can use your credit card to pay Premier or Business Accounts without limitation. You can also send unlimited payments to anyone with funds in your PayPal account or your checking account.

Users who exceed this $1000 limit will not be able to send credit card funded payments until this limit resets at the beginning of the next six-month cycle. Your six-month cycle begins the day you open your account and resets every six months there after. All date calculations are based on Pacific Time. You can find the details of your limits by clicking on the View Limits link from the account overview page.

What is the Credit Card Receiving Limit on Personal Accounts?
In order to reduce the cost of processing expensive credit card transactions associated with accounts that do not pay fees, PayPal has introduced a new limit on Personal Accounts: a $100 per month limit on receiving credit card payments. Payments funded from the sender's checking account or existing PayPal account balance will not count against the recipient's limit. Your limit is reset every month, starting from the date you opened your account. All date calculations are based on Pacific Time.

Recipients exceeding the $100 per month limit will no longer be able to accept credit card payments unless they choose to upgrade to a Premier Account. Credit card payments sent to a Personal Account in excess of the limit will be held as "pending" until the recipient chooses to accept the payment by upgrading or to return it to the sender by refusing the payment. Personal Accounts exceeding the limit will still be able to receive payments funded from a checking account or existing PayPal account balance. You can find the details of your limits by clicking the View Limits link from the Account Overview page.

Why should I confirm my Checking Account information?
Confirming your checking account allows you to Direct Deposit any funds from your PayPal account into your checking account. After confirmation, you may also choose to fund your PayPal account with money directly from your checking account, instead of mailing a check or using your credit card. In addition, you will be able to raise your sending limits by confirming your checking account.

Will PayPal have access to withdraw funds from my Checking Account without my permission?
No. We will only withdraw or add funds with your express permission.
 History Transaction Logs

How can I view the details of a transaction?
Click on the Status of a transaction to see the details. Go to the History subtab and click on Key to History to see a key explaining the details of the log.

My transaction log has "Credit Card" in the Name/Email column. What do "Charge" and "Credit" mean in the corresponding Type column of the transaction log?
A Credit Card Charge is when you sent money and your credit card was charged. A Credit Card Refund is when you cancel a payment made with your credit card. If you cancel a Quasi-Cash payment made with your credit card, the payment will not be credited to your credit card. Instead, it will be refunded to your PayPal account.
 Account Profile

How do I view or edit my account information, including my email address, street address, phone number, credit card and checking account information?
Your account information can be viewed from the Profile subtab of the My Account tab. You can also edit all of this information except your account name. In order to prevent fraud, name changes must be made by individual request by contacting Customer Service.

How do I change my password?
You can change your password from the Password page in the Profile subtab.

How do I change my preferences?
You can change your preferences from the Preferences page in the Profile subtab.

How can I limit the type of funds I receive?
This is a Premier/ Business Account feature. You can change your preference settings by logging in and going to the Preferences page in the Profile subtab under the My account tab.
Activate Your Account
 Street Address Confirmation

Why is the Street Address Confirmation no longer available?
As a new policy to increase the security of our service, members are now required to confirm a checking account instead of confirming their street address to raise their sending limit.

I already received a Street Address Confirmation letter in the mail; can I still enter it?
If you have already received your Street Address Confirmation number, you can enter it on the Address Confirmation page. Be sure that you have added a credit card to your account before confirming your street address. The street address that you are confirming must be the same as your credit card billing address in order to lift your spending and credit card limits.
 Email Address Confirmation

How do I confirm my email address?
When you register, PayPal sends you a confirmation email. By clicking on the link in the email, you will be taken back to www.PayPal.com and asked to enter your password. Your email address will then be confirmed. If you do not see this confirmation email in your email inbox, be sure that you are using the same email address you entered when you registered for PayPal. You may request that another email confirmation be sent.

    If you cannot click on the hypertext link:
  1. Copy the confirmation number in the email we sent you.
  2. Log in to your account and click on "Confirm your email address."
  3. Click on the link indicating that your email program does not support hypertext links.
  4. Enter your confirmation number in the box provided.

How do I add additional email addresses to my account?
You are allowed to have up to eight email addresses registered with your account. To add an email address, go to the Email section of the Profile and fill out the form with your new email address. You will receive a new email confirmation at this address.
 Register Your Credit Card

Do I have to add my credit card in order to use PayPal?
No. Your account is activated as soon as you confirm your email address. However, if you have no funds in your PayPal account, you will not be able to send money instantly.

How do I add a credit card to my account?
Click on the link titled Add Credit Card in the Activate Account box on the My Account page. Then, fill out the form for adding credit cards.

What is the advantage of registering a credit card with my PayPal account?
When you register a credit card, you will be able to automatically charge payments to you credit card when you don't have enough funds in your PayPal account.
 Register Your Checking Account

How do I add a checking account to my account?
Click on the link titled Add checking account in the Activate Account box on the My Account page. Then, fill out the form for adding checking accounts and click the "add" button. You are now able to withdraw funds from your PayPal account to this checking account. If you have already added a checking account, then this link will not appear. You must also confirm this checking account in order to add funds to your PayPal account. PayPal automatically sends two deposits at our own expense to each registered checking account. Each deposit is between $0.01 and $0.99. These deposits will usually appear in your account within 3-4 business days. To complete the confirmation process, you must enter the two amounts on our Confirm Checking Account page. This page will only appear in your Activate Account box if you have already added a checking account. We have provided a list of customer service phone numbers for the largest U.S. banks to assist you.

Why do I only see one PayPal deposit on my checking account statement?
PayPal will send both deposits at the same time. If you only see one deposit amount, it is because your bank has not fully processed the deposit statement from us. Please wait until the next business day to see both deposits listed correctly on your statement.

What is the advantage of confirming my checking account?
When you confirm your checking account, your sending limit will be lifted and there will be no restrictions on the amount of money you can send to other people using PayPal. Also, you need to confirm a checking account in order to receive your New Account Bonus.

Will PayPal have access to withdraw funds from my Checking Account without my permission?
No. We will only withdraw or add funds with your express permission.
Referrals
 Refer Friends by Email

What is the Refer-A-Friend Bonus?

PayPal's Refer-A-Friend Bonus is an incentive program for Premier and Business Account PayPal users. If you refer PayPal to someone who is not a current user we will reward you $5 once the person signs up and completes the new account bonus requirements and earns the $5 new account bonus. This special offer is our way of thanking you for introducing your friends to the benefits of using PayPal.

How do I earn a $5 Refer-A-Friend Bonus?

    There are 4 ways:
  1. When you signed up, we sent you an email with a unique referral link that you can forward to your friends. The link identifies you as the referrer. If a friend uses that link to sign up and completes the new account bonus requirements, you will receive a referral bonus.
  2. If you are the first user to send money to, or request payment from, a friend who is not a PayPal user, you are also eligible for a referral bonus. In order to receive your bonus, your friend must complete the new account bonus requirements.
  3. You can place a PayPal logo in your auction listings. If the winning bidder is not yet a PayPal user and clicks on the logo, you are eligible to receive a bonus.
  4. You can place a PayPal logo on your website. If someone who is not yet a PayPal user, clicks on the logo and fulfills the new account bonus requirements, you will receive $5. Find out more about our Refer-A-Friend Bonus.

How many Referral Bonuses am I eligible to receive?
For a limited time, there are no restrictions on the number of referral bonuses you may earn.

My friend signed up for PayPal. Why didn't I receive my Referral Bonus?

    There are a few reasons this can happen:
  1. The person you referred may not have used your unique referral link to sign up. We are unable to give out referral bonuses in this circumstance.
  2. The person you referred may not have entered or correctly entered your email address in the sign up page. We are unable to give out referral bonuses in this circumstance.
  3. The person you referred may not have completed all of the required steps before a referral bonus can be rewarded: signing up, confirming an email address, confirming a checking account, adding $100 or more by electronic funds transfer into their PayPal account, and signing up for a Money Market Fund. Once these steps are completed you will receive your referral bonus.
  4. The person is already a PayPal member.
  5. You didn't confirm your email address. You must confirm your email address in order to receive referral bonuses.
  6. You are not a Premier or Business Account member. Effective Monday, October 9, 2000, referral bonuses are a Premier and Business Account feature.

How do I know when I receive a Referral Bonus?
Go to your Referral Log. The status of a referral changes to "Rewarded" when you receive a referral bonus.

If my friend registers his/her PayPal account before I upgrade to a Premier/Business account, am I eligible to receive the $5 referral bonus?
No. At the time when your friend first registers for his/her PayPal account, you must have already upgraded to a Premier / Business Account.

If I am a Personal Account, will I get rewarded for my pending referrals?
Your pending referrals will only be rewarded if you upgrade to a Premier or Business Account before your friend completes the bonus requirements.

What if my friend signs up with a different email address than the one I used to email my referral link?
As long as your friend uses the link in your email to sign up, you are eligible to receive your $5 referral bonus even if your friend signs up with a different email address.

What if my friend signs up with a different email address than the one I used for making a referral payment or a referral payment request?
Regardless of what email address a friend signs up with, if they use your referral link you will still receive your referral bonus if they sign up and complete the bonus requirements.

Can I spam my referral link to unsolicited email addresses?
No. PayPal's referral program is meant to encourage people to introduce the benefits of PayPal to their friends and family, and to people they transact with online. It is not intended to encourage spam. You may post your referral link online in any place deemed appropriate by the owners of the website where you are posting. However, anyone who is found to have spammed other Internet users in an attempt to gain referral bonuses will lose their PayPal account privileges. For more information on our anti-spam policy read Refer-A-Friend Netiquette.
 Referral Log

What does the status "Unclaimed" mean in my referral log?
An unclaimed referral is when your friend has not yet completed the sign up form.

What does the status "Pending" mean in my referral log?
A pending referral is when your friend has completed the sign up form but has not completed the bonus requirements necessary for you to collect your referral bonus.

A referral bonus may also be pending if you are a Personal Account. Referral bonuses are a Premier and Business Account feature.
Features
 Send Money

How do I send money?
After logging in to your PayPal account, click the Send Money tab. Enter the recipient's email address, the amount, the payment type and an optional note to the recipient. If you are sending money for an auction item, select 'Goods - Auction' as your payment type. You will be taken to another form to fill out optional information about the auction such as item URL, auction site and a message to the seller. After reviewing the information in a confirmation page, click the Send Money button to complete your transaction.

What happens after I send money?
The recipient receives an email informing him of your payment. This email contains a link. After clicking on the link, the recipient can log in to PayPal or sign up for a new account, and the money will immediately appear in his account balance.

Can I send money to someone who doesn't have a PayPal account?
Yes! The recipient receives an email notification, signs up at PayPal, and then is immediately credited with the amount in his or her new account.

Can I cancel a payment that I've already sent to someone?
You can cancel a payment if the recipient has not signed up for PayPal in the meantime and collected the money. To cancel a payment, select the History subtab, find the transaction you would like to cancel and click on the word "Unclaimed" in the status column. Click the "Cancel Payment" button and then click it again on the confirmation page. If you cancel an eCheck payment that has not yet cleared, the payment will be canceled, but the payment amount will still be deducted from your checking account and added to your PayPal account.

What types of payment methods can I use?
You can use funds within your PayPal account balance, charge your credit card, or debit your verified checking account.

How am I charged for the money I send?
We will first take the money out of your PayPal account balance. If there are insufficient funds to cover the payment, you can select a payment method to cover the difference, including paying with an Instant Transfer or charging your credit card. If you select the eCheck payment method, we will not take any money out of your PayPal account balance. Instead, your checking account will be debited for the full amount of the payment and your PayPal balance will remain the same.

Are there any fees associated with sending money?
There is no fee for sending money for consumers. PayPal provides premium services at low rates for businesses.

My friend did not receive the money I sent. What's wrong?

    There are a few reasons this can happen:
  1. You sent money using the eCheck payment method. Because the money is coming from your checking account, it will take 4 business days. Thus, your recipient will not receive the money instantly. If you want your recipient to receive the funds immediately, use the credit card or Instant Transfer payment methods.
  2. You may have entered an incorrect email address. To check this, go to your History and look for the record of the transaction. Click on the Status column and check the email address in the transaction details page. If it is the wrong address, click cancel payment and resend to the appropriate email address.
  3. You may have forgotten to submit your payment on the confirmation page. To check this, go to your History and see if there is a record of the transaction. If there is no record, then the transaction did not take place.
  4. Your friend may not have signed up with PayPal using the same email address that you used to send him the money. If this is the case, your friend needs to go to the Email Address page and add in the email address you used to send the payment and the money will appear in his balance immediately.
  5. Your friend may not have confirmed his email address. Any payments sent to an account will not appear in the account balance until the user has completed the registration process by confirming his email address.

What is the maximum amount I can send with my PayPal account?

  • Sending Limit: For security reasons, new domestic users are given an initial sending limit of $250. This limit applies to all payments regardless of how the payment is funded or whom the payment goes to. Once you reach this limit, you will no longer be able to send any more payments. You can lift this sending limit by confirming your checking account.

     

  • Credit Card Sending Limit: For domestic users who have lifted their initial $250 sending limit by verifying their checking accounts, there exists a credit card sending limit: a $1000 limit on sending credit card payments every six months. This limit is unrelated to the charge limit your credit card company imposes on your particular credit card, which may be lower than our $1000 limit. Only credit card payments sent to Personal Accounts count against this limit. Once you are verified, you can use your credit card to pay Premier or Business Accounts without limitation. You can also send unlimited payments to anyone with funds in your PayPal account or your checking account.

    Users who exceed this $1000 limit will not be able to send credit card funded payments until this limit resets at the beginning of the next six-month cycle. Your six-month cycle begins the day you open your account and resets every six months there after. All date calculations are based on Pacific Time. All date calculations are based on Pacific Time. You can find the details of your limits by clicking on the View Limits link from the account overview page.
 Request Money

How do I Request Money?
After logging in to your PayPal account, click Request Money. Enter each recipient's email address, the amount requested, the payment type, and an optional note. If you are requesting money for an auction item, select 'Goods - Auction' as your payment type. You will be taken to another form to fill out optional information about the auction such as item URL, auction site and a message to the buyer. After reviewing the information in a confirmation page, click the Request Money button to complete your transaction.

What happens after I Request Money?
The recipient receives an email informing him of your request for payment. This email contains a link. After clicking on the link, the recipient can log in to PayPal or sign up for a new account, and then pay you from their account balance or credit card.

How do I get paid?
Once the recipient pays you from their PayPal account balance, credit card or checking account, the money will appear in your account instantly.

    You can then withdraw the money at any time by:
  1. Requesting a personal check from PayPal.
  2. Requesting an electronic funds transfer to your checking account.

Can I Request Money from someone who does not have a PayPal account?
Yes! The recipient receives an email notification; signs up at PayPal, and your Money Request will be waiting for him in his new PayPal account.

Can I cancel a money request that I've already sent to someone?
Yes. You may cancel money requests at any time by going to the History subtab and choosing the transaction you would like to cancel. Click on the word "Pending" in the status column. Click the "Cancel Money Request" button and then click the "Yes" button to confirm this action.

Are there any fees associated with requesting money?
All of PayPal's services are FREE to consumers. PayPal provides premium services at low rates for businesses.
 Auctions
Auction Sellers

How do I put a PayPal logo in my auction listings?

    To place a PayPal logo in your auction listings, follow these steps:
  • Click on the Sell tab.
  • Click on the link "Add a PayPal logo to your auction listings."
  • If you are selling on eBay or Yahoo!, use our Automatic Logo Insertion feature. We will search through these auction sites and place a PayPal logo in all of your auction listings. We also offer Automatic Daily Updating of your new auction listings with PayPal logos.
  • If you are selling on another site, then you may use our Manual Logo Insertion feature and copy and paste customized HTML code into the description area of your listings.

Do I have to know HTML to put the PayPal logo in my listing?
No! We make using PayPal easy by allowing you to simply copy and paste a couple lines of HTML code from our site to the Description area of your auction listing.

What is PayPal's Auction AutoLink feature?
This is a special service for eBay or Yahoo! sellers. AutoLink allows you to automatically insert your favorite PayPal logo into all of your auction listings.

    To use this service, follow these steps:
  1. Go to the Sell tab.
  2. Click on the Add a PayPal logo to your auction listings link.
  3. Click on the word Automatic.
  4. Select your auction site from the drop down menu.
  5. Enter your User ID if you are using eBay or Yahoo! Enter your password. (Please note that PayPal will only use your password to search auction listings.) Click the submit button. PayPal will then search the listings for your auctions and display a list of them.
  6. Be sure to check that we have listed all of your auctions items. If you are missing any listings, click on the link that indicates it will refresh the page and bring up the rest of your listings.
  7. Check off in which items you would like the PayPal logo to appear and which logo you would like to use. PayPal will automatically place the logo in all of your listings.

What is PayPal's Automatic Daily Updating feature?
PayPal also provides automatic daily updating of your eBay or Yahoo! auctions with PayPal logos. This feature allows you to sign up once for AutoLink and then let us automatically place your chosen logo in every auction listing you add in the future. To activate our Automatic Daily Updating feature, use AutoLink as directed above. At the bottom of the AutoLink page where your current listings appear there is a box you can select that will activate this feature.

I signed up to have my auctions automatically updated with PayPal logos. How do I modify my password or logo?
Go to the Profile subtab and click on AutoLink. Click on the "details" link. Your user ID or email address will be displayed along with a check in the box next to the logo we are currently adding to your listings. You are able to change your password and the logo. If you need to update your user ID, please remove the saved auction preference and then add a new one.

Why are some of my auction listings missing?
If you have been using our automatic logo insertion feature and have modified any auction listings, our search may not pick up the revised listings. We will search all of your listings, including the revised ones, if you click on the link to refresh the page.

I am a seller. How should a buyer pay me so that I receive my $5 referral bonus?
Referral bonuses are given out to any Premier or Business account user who refers a new PayPal user. The buyer should click on the logo in your auction listing. It will take him to www.PayPal.com and guide him through the steps to signing up. Your referral information is already recorded in the logo link. You will receive a $5 referral bonus after the buyer signs up, completes the new account bonus requirements and earns the $5 new account bonus.

I am a buyer. How should I pay the seller so that I receive my $5 referral bonus?
Click on the Send Money tab. Fill out the form with the seller's email address and the winning bid and submit it. The email sent out to the seller contains your unique referral link. The seller should use this link to sign up for PayPal and collect your payment. You will receive the bonus after the seller signs up, completes the new account bonus requirements and earns the $5 new account bonus. Please note that you must also be a Premier or Business Account member in order to receive your $5 bonus.

What happens after I send money for an auction?
The seller receives an email informing him of your payment. This email contains a link. After clicking on the link, the recipient can log in to PayPal or sign up for a new account, and the money will immediately appear in his account balance.

What credit cards does PayPal accept?
PayPal accepts MasterCard and Visa.

What if I do not receive the item I expected?
Please read our Fraud Protection section to learn more.

Are there any fees associated with PayPal's auctions features?
PayPal's auction services are FREE to consumers. PayPal provides premium services at low rates for businesses.

Are you an escrow service?
No. We do not provide escrow-related services. We are a person-to-person payment service that enables instant and secure electronic payments.
 Web Tools

How can I collect referral bonuses on my website?
If you place a PayPal logo on your website and someone clicks on your logo and completes the bonus requirements, you will automatically receive a $5 referral bonus. To copy and paste PayPal logos onto your website, log in and click on the Sell tab. Please note that this is a Premier and Business Account feature.
 Fraud Protection - Verification

What is the Buyer Protection Policy?
PayPal's Buyer Protection Policy helps protect PayPal members when they pay a Verified seller who does not ship the promised goods. For purchases made on eBay using PayPal on or after 11/10/00, buyers who qualify for eBay's insurance policy (currently limited to $200) may recover up to an additional $200 of protection from PayPal. For other purchases, PayPal will investigate your claim and attempt to collect any funds owed to you. You will be entitled to the return of any funds PayPal is able to collect on your behalf.

This Policy does not apply to disputes about the quality or attributes of delivered goods, goods that have been lost in the mail as shown by Seller's presentation of proof of shipment, payments for services rendered, or failure to deliver intangible goods.

Please review the Consumer Protections section of our Terms of Use to learn more about the policy (including the policy regarding payments made before 11/10/00). You may also view our Buyer Protection Policy for more information.

What is the Seller Protection Policy?
Starting August 23, 2000, Verified Premier and Verified Business sellers will not be held liable for chargebacks due to fraud (including payments made by stolen credit cards and false claims of non-shipment) when they 1) ship to the buyer's Verified Shipping Address, 2) can provide reasonable proof of shipment to this address, 3) only accept a single payment from only one PayPal account for a purchase, and 4) do not ship internationally. Please review the Consumer Protections section of our Terms of Use, or view our Seller Protection Policy for more information.

What does it mean if a Seller or Buyer is Verified or Unverified?
A Verified Member is one who maintains a confirmed checking account on our site. This verification process is a secure and easy way for PayPal to gain additional proof of a User's identity in conjunction with our own authentication methods, and increases the security of our payments network for everyone. An Unverified Member is one who has not completed the checking account verification process. If you have not yet done so, you can confirm a checking account to obtain Verified Status.

How do I determine whether a Seller or Buyer is Verified, Unverified or International?
When you receive a payment, click on the status of that payment (Pending or Completed) on your History page to view the payment details page. This page will show whether the user is verified, unverified, or international.

When you send a payment, the recipient's status (Verified, Unverified, or International) will appear on the "check the details of your payment" web page. A Reputation link is also provided which displays how long the user has been a PayPal member and any customer service email address that the seller has provided for communicating with buyers.

I paid for merchandise, but did not receive it. How do I get my money back?
You should first contact the seller to see if understandable circumstances prevented the shipment of your merchandise. If you are unable to resolve the situation this way, you should contact Customer Service immediately to log a fraud report.

If your payment for the merchandise was to a Verified seller, our Buyer Protection Policy may apply. In order to file a claim you must follow some simple guidelines.

Effective 11/10/00, you must be verified at time of filing. For purchases made on eBay using PayPal on or after 11/10/00, you must first file a claim with eBay's own insurance. Should the dispute be found in your favor, you are eligible to file a claim with PayPal and may file the claim within 30 days of eBay's decision. If the purchase was not made on eBay, you may file a claim no sooner than 30 days and no later than 60 days from the date of the payment. However, in all cases, you must also log a fraud report within 30 days of the date of the payment. View a basic checklist of filing a claim.

Resolution of the claim investigation and any subsequent reimbursement for the purchase should be completed within 30 days from date of filing. To learn more about the requirements of filing a claim, log into your account and click the "Help" button at the top of the page. Click on "contact Customer Service" and choose the "Buyer Protection Claim" selection from the provided drop-down menu. You will receive an automatic response containing the instructions for filing a claim by email in the proper format.

What is the difference between filing a report and filing a claim?
A report is an indication to us that there is a problem with a seller. In order to be eligible to file a claim at a later date, you must file a fraud report by contacting Customer Service within 30 days of the date of the payment. A claim is an official request for reimbursement. For eBay transactions this claim would be filed after the resolution of eBay's own insurance process. For non-eBay purchases, this claim could be filed no sooner than 30 days and no later than 60 days from the date of the payment.

What does the Buyer Protection Policy mean to me as a Seller?
If we receive a dispute stating that your Buyer never received the promised goods, you must have followed the rules of our Seller Protection Policy in order to qualify for liability protection. You must be Verified. You must not have accepted multiple payments for a single purchase from one or multiple PayPal accounts, must not have shipped internationally, and must provide us with proof of delivery to a U.S. mailing address to the buyer's Verified Shipping Address. Vali