How does PayPal work FAQs

Trust the way you pay

Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.

Scan the code or enter your number to get the app.

A QR code you can scan with the camera on your phone to download the PayPal app
By clicking Send Link you agree to receive a text message with a link to the PayPal app. Message and data rates may apply.

How to sign up for PayPal


Create your account

We’ll walk you through sign up. Simply enter your email, phone, and personal info.


Load your digital wallet

Add your debit or credit cards. Or link your bank account. They'll be stored in one safe place and ready to use.


Manage it all in one place

The app is your hub. Control your payments, send money online, earn cash back, and more.

Get the most out of PayPal

Enjoy unlimited cash back

Discover offers from brands you love in the app. Plus, exclusive PayPal reward offers.1 You can even combine them for more cash back. There's no limit to how much you can earn.

Check out with more choices

Skip entering your info every time you pay. Split a purchase between 2 of your cards or banks.* Or opt for one of our Pay Later options.

Send and receive money safely

  • Join the millions who trust PayPal to send money across the globe.2

  • Send money quickly to just about anyone. Just enter their name, PayPal handle, email, or phone.

  • Shop with the money you receive. Or pay your bills, donate, and transfer.

Privacy and security for you

Every transaction is completely encrypted, keeping your identity and financial info safe. Plus, we've got your back on eligible purchases with PayPal Purchase Protection.3

Do it all in the app

Manage your payments and finances on-the-go. Get cash back offers. Track your packages. Roll your cash into a PayPal Savings account and more.*

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

How PayPal works

Fast, secure, flexible. More rewarding for you.

Speed through checkout. Get unlimited cash back. Send money across the table or across the globe. Manage your payments with one safe account.