Policy Updates

 

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Past Policy Updates

 

This page shows important changes that were made to the PayPal service, its User Agreement, or other policies.

*For past policy updates earlier than March 2014, please view this PDF.

*For past policy updates between April 2014 and Dec 2018, please view this PDF.

 

Changes to PayPal Legal Agreements

PayPal is changing some of its Legal Agreements with effect from the effective date listed below against each change (hereinafter referred to as “Effective Date” individually). We’ve created this policy update to help you understand the changes. By continuing to use the PayPal Services after the Effective Date, you are agreeing to the changes. If you do not agree to the changes, you must close your account or cease using the PayPal Services prior to the Effective Date.

 

Notice of Amendment(s) to Israel PayPal Agreement(s)

Issued: 26 September, 2022

 

This Page

This page details and/or previews updates to PayPal users of changes to the Israel PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met. 

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.

 

Amendments to the PayPal User Agreement
Effective November 7, 2022:

  • We are clarifying that PayPal may be required to place limitations on your account and/or withhold on certain gross payments received if you do not provide required tax-related information.

Review the updated PayPal User Agreement

 

Notice of Amendment(s) to Israel PayPal Agreement(s)

Issued: 9 August, 2022

 

This Page

This page previews updates to PayPal users of the main changes to the Israel User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices

 

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

 

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.

 

Amendments to the PayPal User Agreement

Effective September 19, 2022, we are:

  • clarifying that, if you integrate or reference PayPal services on your website, PayPal may use automated technologies (e.g., website crawling) to assess your website to ensure compliance with the user agreement and to combat fraud.
  • expanding the withdrawal currencies to card to include additional currencies and their applicable fees.

Review the updated User Agreement.

 

Policy Update Clarification

Issued: May 17, 2022

 

If you received a notice in May 2022 regarding upcoming changes to our legal agreements, please note the most recent Policy Update was already noticed and has taken effect in March 2022. A description of this update can be found on our past policy updates page.

 

Notice of Amendment(s) to Israel PayPal Agreement(s)

Issued: February 11, 2022

 

This Page

This page previews updates to PayPal users of the main changes to the Israel User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices.

 

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

 

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.

 

Amendments to the PayPal User Agreement

Effective March 21, 2022 we are:

  • Updating the Dispute Fee and Restricted Activities terms to include actions we may take and the dispute fees we may charge if the seller engages in a Restricted Activity.
  • Removing references to eBay that are no longer applicable.

Review the updated User Agreement.

 

Amendments to PayPal’s Seller Protection program

Effective March 21, 2022 we are:

  • Revising PayPal’s Seller Protection program to expand the list of ineligible items to include certain Non-Fungible Tokens (NFTs) with a transaction amount of more than USD$10,000 USD or equivalent value in local currency.

Review the updated Seller Protection program.

 

Notice of Amendment(s) to Israel PayPal Agreement(s)

Issued: October 29, 2021

 

This Page

This page details updates to PayPal users of changes to the Israel PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices.

 

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

 

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.

 

Amendments to the PayPal User Agreement

Effective December 10, 2021, we are:

  • Relocating PayPal’s Buyer Protection program and Seller Protection program terms to separate web pages. These program terms are accepted at the time you agree to the User Agreement and remain part of the User Agreement. The relocation is intended to make the terms easier to locate and navigate.
  • Clarifying that abuse of our online dispute resolution process, PayPal's Buyer's Protection program, and/or PayPal’s Seller Protection program are restricted activities as defined under the user agreement.
  • Updating Exhibit A. – Additional Fees, by including other currencies and the applicable fees for their withdrawals to your card.

Review the updated User Agreement

 

Amendments to PayPal’s Seller Protection program

  • Clarifying that proof of shipment and proof of delivery also must include an online verifiable tracking number.

Review the updated Seller Protection program

 

Notice of Amendment(s) to Agreement(s) for Customers in Israel

Issued: August 11, 2021

This Page

This page displays policy updates which notify users of Substantial Changes to the PayPal User Agreement or other online agreements, policies, or statements for users in Israel. Please go to “Past Policy Updates” to view previous policy updates.

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming Substantial Changes. For all changes, please review the full agreements (links below). Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.

 

Amendments to the PayPal User Agreement

Effective: September 21, 2021

  • We are revising PayPal’s Seller Protection program to clarify eligibility for certain claims involving travel tickets sold by the travel carrier.

To review the updated User Agreement, please click HERE.

 

Amendments to the PayPal Acceptable Use Policy

  • We are expanding the existing list of prohibited activities and clarifying the commercial activities requiring pre-approval.

To review the updated Acceptable Use Policy, please click HERE.

 

Amendments to the PayPal Alternative Payment Methods Agreement

  • We are revising the Agreement to prohibit acceptance of payments for certain goods and services.

To review the updated Alternative Payment Methods Agreement, please click HERE.

 

Notice of Amendment(s) to Israel Agreement(s)

Issued: April 29, 2021

 

This Page

This page displays policy updates which notify users of important changes to the PayPal Israel User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.

 

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

 

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.

 

Amendments to the PayPal User Agreement

Effective: June 9, 2021

  • We are further revising PayPal’s Buyer Protection and Seller Protection to be globally consistent and to further clarify which transactions are eligible for protection (sections 7, 9).

To review the updated User Agreement, please click HERE.

 

Notice of Amendments to PayPal Agreements

Issued: January 29, 2021

 

This Page

This page displays policy updates which notify users of important changes to the PayPal User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.

 

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date shown below.

 

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.

 

Amendments to the PayPal User Agreement

Effective: March 11, 2021

  • We are revising the listed exclusions to PayPal’s Buyer Protection and Seller Protection to be more globally consistent and to clarify which transactions are eligible for protection (Sections 7.3 and 9)
  • We are revising PayPal’s Seller Protection so it does not apply where a merchant ships a physical item or fulfills a purchase order more than two days after being notified by PayPal that the transaction is being disputed, reversed, or is otherwise unauthorized. (Section 9)
  • We are clarifying our PayPal Payouts and Mass Pay services terms, including that they may only be used to make multiple or bulk payments, not individual or other ineligible payments, and that merchants are responsible for obtaining the applicable consents from their payout recipients. (Section 2.10)
  • We are clarifying the terms that govern communications between you and PayPal. (section 13.9)
  • We are clarifying PayPal’s data protection roles and responsibilities in connection with the processing of personal data using the PayPal services. (Sections 11.8, 11.9, 13.10)
  • We are adding terms relating to applying a currency to your card (Sections 5.1 and Exhibit A, Additional Fees)
  • We are updating the terms relating to withdrawal to a card (Section 5.1)
  • We are updating the buyer protection policy to state that PayPal may ask you to wait at least 7 days from the dispute filing date before you will be allowed to escalate the dispute. (Section 7.5)
  • We are updating the dispute fee terms in relation to the timing of charging the fee. When applicable, the dispute fee will be deducted from your PayPal account after the claim is decided. (section 11.1 e)

To review the updated User Agreement, please click HERE.

 

Notice of Amendment to PayPal Legal Agreements

Issued: September 9 2020

 

Please read this document.

We’re making changes to the legal agreements that govern your relationship with PayPal.

We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.

There is no further action needed from you as these changes will take place automatically on the Effective Date shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date.

 

Updates to the User Agreement for PayPal Services
Effective Date: October 14, 2020

We’re making changes to our terms, including the following:

  • We are updating the policies which you agree to comply with when you open and use a PayPal account.
  • We are adding a short description of the main terms of the user agreement and due diligence disclosures.
  • Section 1.6
    We are clarifying that if you use your PayPal account to receive payments for the sale of goods or services, fees will be deducted from payments you receive.
  • Section 2.9
    we are clarifying the manner and timing for cancelling a payment made to a seller that does not have PayPal account.
  • Section 3.4
    We are clarifying that a merchant may provide a discount to the buyer for using other payment methods.
  • Section 5.1
    We are updating section 5 on withdrawing funds from your account as it relates to withdrawals made to a card.
  • Section 6.
    We are updating the section relating to closing your account.
  • Section 7.5
    We are updating the dispute process, so that buyers must now wait at least 7 Days from the date of payment to escalate a Dispute to a Claim for significantly not as described claims as well.
  • Section 11 and Exhibit A (Additional Fees – Dispute Fees)
    We are establishing a dispute fee and have added the terms and conditions that apply to sellers.
  • Definition section
    • We are clarifying the definition of a Business Day
    • We are adding a definition of Essential Component, in relation to Unauthorized Transactions.
  • Exhibit A – (Additional Fees – Withdrawing your balance - Withdrawals you make to your U.S. bank account).
    We are establishing a fee for withdrawals you make to your U.S. bank account.
  • Exhibit A. (Additional Fees – Withdrawing your balance – Withdrawals you make to your card.)
    We are updating the table of fees for withdrawals you make to your card to include additional currencies.

To review the updated User Agreement, please Click Here.

 

Updates to the User Agreement for Israel

Effective: July 31, 2020

We’re making the following changes to our terms:

  • We’ve added the following to the list of items that will be ineligible for reimbursement under PayPal’s Buyer Protection:
    • Items intended for resale, including single item transactions or transactions that include multiple items.
    • Significantly Not As Described Claims for items picked up in person.
  • The section on eligibility for PayPal’s Buyer Protection program has also been amended to state the following:
    • if you are a buyer, you must now also attempt to contact the seller to resolve your issue directly before filing a claim through the Resolution Center.
    • If you are a buyer and have received a recovery or agreed to an alternative resolution related to the purchase from another source, you are not eligible for PayPal’s Buyer Protection.
       
  • If you are a seller and you lose a claim under PayPal’s Buyer Protection program and the buyer’s claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs.
  • We have added terms to the section on PayPal’s Seller Protection program. These include:
    • We have expanded the intangible items that may be eligible for PayPal’s Seller Protection, subject to meeting certain Intangible Goods Additional Requirements;
    • We have clarified what is required as proof of shipment or delivery for both physical and intangible goods
    • We have added the following eligibility requirements for intangible items:

For the sale of intangible goods and services to be eligible for Seller Protection, the sale must meet the basic requirements and the following additional requirements: 

  • Integration requirements:
    • Where you have integrated a PayPal checkout product, you must be using the current version of that product if you are accepting payments directly via a website or mobile optimized website; or
    • Ensure you are passing session information to PayPal at checkout if you are integrated with PayPal via a third-party or if you have a native app integration.
    • Other integration requirements may apply depending on your business model. We will let you know those requirements ahead of time, if needed.
  • You have delivered the item and provided Proof of delivery for Intangible Goods.
  • For the sale of digital goods or licenses for digital content to be eligible for Seller Protection –
    • you have paid standard transaction fees on the sale.
  • The section on eligibility for seller protection has been amended to state that for coverage for a Chargeback or Reversal that was issued against you for the reason of an “Unauthorized Transaction”, the Unauthorized Transaction must have occurred in an environment hosted by PayPal
  • We’ve clarified that payments made in respect of gold (whether in physical form or in exchange-traded form) are ineligible for reimbursement under PayPal’s Seller Protection.

To review the updated User Agreement, please Click Here.

 

Updates to the User Agreement for PayPal Services – Effective Date:   March 16, 2020

We’re making the following substantive changes to our terms:

  • Exhibit A Fees:

Clause 5.f: Refund Fee:

The updated clause is set out below:

If a payment you received is refunded (partially or fully) to the sender, there are no fees to make the refund, but the fees you originally paid as the seller will not be returned to you.

 

To review the updated User Agreement, please Click Here.

Updates to the User Agreement for PayPal Services – Effective Date:   November 15, 2019

We’re making the following substantive change to our terms:

  • Exhibit A Fees:

Clause 2: Commercial Payment Fee:
We are removing the Merchant Rates fee category for both domestic and international payments received by Israeli merchants. Israeli merchants will pay our standard rate for receiving commercial payments.

To review the updated User Agreement, please Click Here.

 

Updates to the User Agreement for PayPal Services – Effective Date: 17 May 2019

We are making the following change to our terms:

  • Exhibit A Fees:
  1. We have removed the Automatic transfer fee set out in the “Withdrawing your balance” section of Clause 4 “Additional Fees”. 

To review the updated User Agreement, please Click Here.

 

Updates to the User Agreement for PayPal Services – Effective Date: 9 July 2019

We’re making the following substantive changes to our terms:

  • Clause 5.1: We have clarified the method for withdrawing funds from your Account to your card.
  • Exhibit A – Fees:  
  1. We are updating the fee for receiving commercial payments by the sellers in Albania, Andorra, Bosnia & Herzegovina, Croatia, Georgia, Iceland, Israel, Moldova, Monaco, Serbia, from the buyers in the following countries or regions: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Norway, Sweden, Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany, Gibraltar, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State, Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russia, Serbia, Switzerland, Ukraine, in clause 2 “Commercial Payments Fee”.

The updated fees are as set out below:

Activity

Seller’s Country/Region

Buyer’s Country/Region

Fee

Receiving
Commercial
Payments

     

Albania, Andorra, Bosnia & Herzegovina, Croatia, Georgia, Iceland, Israel, Moldova, Monaco, Serbia

U.S., Canada, Northern Europe*

Europe I**:

Standard Rate:

4.4%+ Fixed Fee

Merchant Rate^:

From 3.4% to 4.4% + Fixed Fee

 

All other countries:

Standard Rate:

5.4% + Fixed Fee

Merchant Rate^:

From 4.4% to 5.4% + Fixed Fee

 

Fixed Fee

 

See in table above


* Northern Europe: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Norway, Sweden.

** Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany, Gibraltar, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

  1. We have clarified the fee for balance withdrawal to card in Croatia, Philippines and Serbia in the “Withdrawing your balance” section of Clause 4 “Additional Fees”. 

 To review the updated User Agreement, please Click Here.