How PayPal works

PayPal works by linking your card or bank account to your PayPal account. You can use your account to make purchases, send and receive money, manage your funds, and more.

PayPal App image

We make payments a breeze

Create an account for free

Your Personal or Business account is at the core of how PayPal works. Create your account today to get started.1

Send money securely

Whether you’re splitting the bill or planning a vacation, we make it easy for you to send money—from across the table or around the globe—to the right person with confidence.1

Learn how to send money         

Receive money with ease

Get paid from any PayPal user when you create and share your unique PayPal.Me link or QR code.1

Learn about receiving money         

Shop online or in person

PayPal works online and in-person. Use your account to fly through the checkout process, pay in-store with a QR code, and enjoy the security of PayPal Purchase Protection.2

How to shop with PayPal         

Add cards to your digital wallet

Quickly pay your way at checkout by linking your debit or credit card, or bank account info, to your digital wallet.

More about payment methods         

How to sign up for PayPal

phone 1phone 1phone 1phone 1phone frame background
phone 1phone 1phone 1phone 1phone frame background

How to sign up for PayPal

  1. Download the free app on your mobile device

  2. Enter your mobile number to get a confirmation text

  3. Link a debit or credit card as a preferred payment method

  4. Explore the app’s new features or get started on your own terms

Join over 400 million PayPal users

Easily and securely spend, send, and manage your transactions—all in one place.

Experience the new way to PayPal

Download the app on your phone or sign up for free online.

1 An account with PayPal is required to send and receive money.

2 Purchase Protection is available on eligible purchases. Terms and limitations apply.

We use cookies to improve and customize your experience on our site. If you accept cookies, we’ll also use them to show you personalized PayPal ads when you visit other sites. Manage cookies and learn more