Frequently asked questions

More ways to pay your way

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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.

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A rewarding way to
 shop everyday

Put cash back in your pocket

Save offers from your favorite brands in the app. Then, when you check out, you’ll automatically earn points. You can redeem them for cash back and more.1

Combine multiple offers on a single purchase. There's no limit to how much you can earn.

More About Earning Rewards

Check out in seconds

Save time and keep your financial details safe. Skip entering card details across millions of sites. Store your favorite payment methods. And pay how you want with one secure account.

More About PayPal Checkout

Earn 3.00% on top with the PayPal Cashback Mastercard®

You’ll earn unlimited 3.00% cash back on your PayPal purchases.2 Plus, no restrictions, no limits, or annual fee.3 And no impact to your credit score if you’re declined.4

More About the Card

Give yourself time.
Not late fees

Break your payments over weeks or even months. Stretch your budget with 4 bi-weekly payments.5 Or enjoy the flexibility of our monthly payment options.6

More About Buy Now, Pay Later

Count on us
after checkout

Stay in the loop with real-time package tracking. And with Purchase Protection, you can get reimbursed for eligible items if your order doesn't arrive or differs from its description. Terms and limitations apply.7

More About PayPal Security

Shopping and Rewards

Speed through checkout. Unlock cash back.

Get cash back at checkout. Add up offers to earn even more. And complete your purchases with a single tap.

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1
Check offers for details. Terms and exclusions apply.
2
Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and eligibility criteria.
3
See Terms and Rates for new accounts.
4
Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. An approved PayPal Cashback Mastercard application will result in a hard credit inquiry, which may impact your credit score.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned and used with permission of EMVCo, LLC.
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.
5
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.
6
Pay Monthly is subject to consumer credit approval. Fixed APR is 9.99-35.99%. Terms and rates vary based on purchase amount and your credit. For example, 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 $2,500 purchase can be paid at 26% APR in 24 monthly payments ($134.72/mo; $733.17 interest; $3,233.17 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.
7
Available on eligible purchases. Terms and limitations apply. See PayPal Purchase Protection Terms and exclusions.
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