So I usually don’t write reviews but after what just happened I knew I had to. Recently i had plenty of my platforms hacked because I used the same password for most of my platforms (stupid yes I know they’re changed now). I had changed most of my passwords but had forgotten to change my PayPal password and that led to some issues. Well yesterday when I logged on I saw three payments I didn’t recognize because I only use PayPal to pay my Disney+. Well I looked into it and decided to report it as a payment someone else set up. I wasn’t expecting much from PayPal but within less than two hours I received an email saying my case had been resolved and the money taken out had been refunded as it was determined as unauthorized payments. The amount of relief I felt after getting that email was great. So yes I 10/10 recommend PayPal for online payments and shopping. Also don’t use the same password for all your platforms lol. The only thing I could think of to make the app better is if they would send an email or text whenever another device logs into your account. So if you’re deciding whether or not to get PayPal do it! Your money and information is in good hands :)
like every other app in the world, paypal has its ups & downs. for pros, it’s easy to set up. it’s never hard to navigate. it’s useful with making quick payments. it’s helpful to those in need of a direct deposit account. it’s a well organized app to use for money purposes. paypal is also quick with sending replacement cards for those like me who lose stuff like that REALLY easily. the transactions are also not difficult to track down if there is ever a confusion about one whether it leads to a dispute claim or not. just gotta be careful who you share paypal account information with if chosen to do so. for cons: i have heard about multiple paypal accounts getting hacked. as for me, it’s happened to me before but only due to my own fault of sharing someone in my family’s card info with another person, so i can not say much as far as that subject goes. once your a paypal subscriber, if you have email notifications on i assure you they are endless, so tread carefully. i’m not sure how deleting, or managing for that matter, accounts works since i have mine in case i ever need to use it to pay a friend who solely uses the app to receive payments some day (although i haven’t used mine in so long i probably could delete it now). anyways, that’s all the pros & cons i can think of. just like all the other apps used for money purposes (venmo, cash app etc.) paypal has the good & the bad.
In a case of fraud, it took a LOT of effort for PayPal to advocate for me!
Update: it took me several attempts, but PayPal did finally investigate my case and found that the merchant was indeed at fault. PayPal issued me a full refund and I have begun using their services again. PayPal is a little more convenient to use at the point of purchase than credit cards, as it usually requires only a couple of clicks to make a purchase. If they will defend my rights as a consumer as well as credit card companies do, then I no longer have a problem using the app. This is not so much a case of buyer beware anymore. Just buyer, be aware… My original complaint: I made a purchase using PayPal and I never received the merchandise. PayPal allowed the vendor to charge my card immediately, yet three months later I still had not received my items. PayPal did not help me get a refund. I had to open a time consuming dispute and PayPal ruled in favor of the merchant! The merchant provided a tracking number from China that said the package was delivered to the US (no more specifics were provided!) PayPal ruled in favor of the bogus merchant without any further investigating. Also, navigating the app and Website to complain involved a lengthy case of hide and seek. I recommend making purchases with your credit card instead of PayPal. Your credit card will offer you much better protection in a case of fraud.
I have an e-commerce shop that offers different ways to pay. All different payment methods, but PayPal, goes automatically into my account. PayPal will charge a fee for using them. Automatically put limitations if you’re a new account, until you give them all the necessary documents to prove who are and what you do. And even with those limitations taken off, they hold your money because you’re new. You can even be a long time customer but if you haven’t sold in awhile or some other silly reason, you’ll run into this problem as well. Not only will they keep your money, but apparently my product doesn’t qualify for their sellers protection program. So basically not only do I not get paid, but if the customer decides to claim they never received the package just so they can get their money back while keeping my product (because people like that do exist) or somebody did in fact steal their package, I’m left without pay, while suffering loss of products, and can’t be protected from it. And supposedly you have to check off their list of things they want you to do in order to receive those “privileges”. Also no customer is going to want to wait for you to get their money and then send the product. So I either have to have faith in this customer, send the product anyway ahead of time, and hope PayPal will release the money in 24 hours. That’s one way of getting your money faster, but it’s not even guaranteed. Terrible service.
1) It’s really hard to get to someone when there’s a problem. 2) it can take a long time for a transaction to clear even if it’s already cleared your bank but they act like it hasn’t cleared the bank. 3) it will put out error messages that really have no meaning but say try again. I tried again and again only to find out they out a 72 hour block on transfers without notifying me - it looks like because I was on Microsoft defender VPN. BUT each time I tried again as their error message said to do, it reset the 72hour counter for the block they didn’t notify me I was on. After waiting for a real person to get back to me, they didn’t know why exactly I was on a block and other than it looked like I was away from home. 4) Resolution center doesn’t have enough choices to cover the problems. 5) AI help is a regurgitative waste of time. 6) regular help is a repetitive waste of time. 7) they get to float my money longer for their benefit. 8) Support isn’t consistent with their answer and vary from person to person. 9) don’t use for crypto because they say they have no controls on their system to when transaction fail and trigger hood times not how long those hood time can be so if an attempt is made while on hold the hood can be extended. In my case it’s been over a week to try and transfer out some crypto but the indefinite hold has allowed the value to drop below what I needed it to be and still falling. Can’t sell it or transfer it.
not only did paypal mark it as suspicious to log into my OWN account, even when i submitted all my information (which i checked was in there) my account was suddenly permanently limited, and i did not have any money in it, but i needed to close it for a certain bank, and i decided to check why such a thing was done, and found out some ‘person’ named ‘Alma Chamberlain’ was using my information alongside theirs. i obviously went to close the account, but guess what? paypal, with their excruciatingly slow website that froze even after their own notification came up, wouldn’t let me close my account, leaving this random ‘person’ with full access to all the banks and cards linked to it i still use someplace in Ohio. after all this, i went to just log into my current account that uses a different social email, and i gave the face id activated, and for some reason it struggled to recognize me in proper lighting looking directly at it, so i entered the password instead, which was correct, and all of a sudden paypal locks me out of that account, and says it was ‘suspicious’, and that account does in fact have funds in it (which paypal wouldn’t let me transfer anyway because of the old one i tried to close) so now i will go lock all of my accounts, solely because paypal has been more of a disservice to me than even close to helpful, and all this is surface level, i’ve even left out details. paypal is too internally flawed to make a proper banking app.
I just got off the phone with PayPal wasted an hour of my life today just like I did a week or two ago trying to get something transferred correctly from my PayPal card account. I even called ahead of time to ask them how to properly transfer the money into this account so that I could pay two bills one with them and their pay in 4 account. And one with an insurance company I have connected to my PayPal. There was a glitch error in the app where I tried to transfer the money and pay the fee to instantly get the funds back and somehow it transferred to my bank account and now it’ll take four days which will be making the bills I have to pay late. They told me even though it was instantly done there was nothing they could do on their end. And tried to tell me multiple times that I press the wrong button when this isn’t my first time using this account I’ve had PayPal since 2011. The customer service reps clearly don’t speak English and that’s not because they are minorities they do not speak a language where we can communicate. And they’re quick to rush you off the phone or blame you for their errors. Once my payments are done late but done I will be canceling every single account I have with PayPal. It was also a Way for me to access my Twitch funds however that was changed seeing that they are going to continue playing with my time and money. PayPal has have lost me as a customer forever.
WORSE APP EVER AND MADE A COMMENT ABOUT MY SKIN TONE WHILE IDENTIFY CHECKING ME THROUGH THE CAMERA
Stay away from the app you will same yourself some time and head ache. They will trap your money for whatever stupid reason they have you’ll lose business relationships, partners and investors dealing with PayPal looking money up for 28 days for no reason as if you pass digital counterfeit money through the computer. Their reason non I honestly think they need to borrow money from their customers that my opinion because real banks don’t do that and y’all are not a bank half y’all products are idk what to really call them but a 250 credit you would think is for someone who is rebuilding their credit but that’s what they will start you with if you have at less a 650 score. That’s a low ball credit line at least 500 for a 650 credit score like I said they ain’t got the money. That pay in 4 you can get about three of them until they deny you if you ever want another one they have a limit on those they ain’t got the money to hold them some million people they got. Because you you think a product like that would start with a soft pull then into a relationship based thing if your paying them off in time. Nope that not how it works with them. Enough of PayPal don’t use them you’ll be mad and we should be mad we should all be happy. Now go be happy and sign up for another pay in 4 there are plenty and better credit limits don’t stop here keep search they all over the App Store.
I trusted this company to accept payments from my customers and hold my funds securely and they abused that trust. They charge a fee of 3.49% to process transactions for my business. Fine. But on top of that, they refuse to release my money to me in a timely manner, giving me wildly varying reasons why I can't withdraw my funds and sometimes no reason at all. I'll talk to one customer service rep, who says my money will be available to me by a certain date, only to have another rep act confused and give me a different date several days in the future. I try to withdraw my funds and select instant transfer. Even though there is no mention of this, selecting instant transfer can mean your money will be transferred after several days instead, and they do not and will not provide any reason for this. They can just decide that they don't want to release your money at the moment, and there is nothing you can do because you have no power in this relationship. Their customer service reps will lie to you, tell you contradictory things, and hang up on you. The truth is they make massive amounts of money from lending out any funds you have on deposit with them, and they will do anything they can to delay releasing your money so they can make more money off of you. I will never trust these criminals with my money ever again. Do yourself a favor and find another company to process your transactions.
My very first transaction I did online was through PayPal because I had trusted that if anything went wrong with the sale, I could rely on PayPal to keep my money safe and give it back if the sale did go wrong. Surprise surprise I did end up getting scammed, I didn’t receive the items at all and the sellers completely ghosted me. I went to PayPal support and was excited to find “buyer protection” and I was more than eligible for this because obviously I didn’t receive the package. I sent them a whole bunch of proof (me talking to buyers and them ghosting me after I asked about the package, the buyers website which eventually did get taken down for obvious reasons, their fake good reviews along with the bad real reviews giving them low stars. These all got deleted including my review, and others). I waited patiently till I received an email saying my case was denied because… the package was delivered. Okay, I am well familiar with people trying to scam businesses and getting free things but I had sent PROOF that the package was false from the BEGINNING starting with the tracking number they had given that isn’t even a valid tracking number! And PayPal had the nerve to tell me it was somehow delivered. I tried to file another report but I keep getting redirected to a case closed page. I wasn’t sent any proof that my package was delivered and was left disappointed with the laziness of the support team. Won’t be using PayPal again unfortunately.
They shut down my account due to the “excessive risk involved”. I’ve never had a dispute on my account since I’ve opened it. They asked for documentation earlier today & i provided everything they requested. I called and asked about why my account was permanently closed & they said they can’t provide any more information and I need to refer to the email that was sent. All the email said was it closed down due to the excessive risk involved. The lady did say that I sent the wrong info they asked for? I took a picture of my drivers license as requested and a picture a package with my address to provide the address. I also sent pictures of my latest bank statement and the reason describing the recent transactions. I gave them everything they asked for and then they just closed my account, with NO valid reason. Now they’re going to hold my money for 180 days! It’s my money! They wont let me use my account and they want to keep my money…. What do they need to keep my money for 180 days for?! I have heard other people saying that they have also had their accounts closed with no reasoning whatsoever. And while I was on the call, the lady asked if she could put me on hold. She came back 10 minutes later and pretended she couldn’t hear me and then hung up. Thank goodness those phone calls are recorded so the company will know she just hung up on me. I will certainly be contacting the better business bureau. Hopefully they can do something
Second time using PayPal I was wondering why it was taking so long so I made the payment again I showed the recipient that I had sent the payment we waited and waited finally the recipient noticed I mixed two numbers up in the email address I contacted them (good luck talking to a person) after a dispute they refunded me $2500. Saying I paid twice which I did to the wrong email address so I disputed the second payment (by that time we figured it out so the recipient got his money) I’ve been in contact with them or their computer and was told the dispute was in my favor by someone sitting on their computer and should have the money back on my card in 5 days. It never came instead I get a message saying they denied my dispute because there was no problem with the payment 🤦🏼♂️ no kidding really of course there wasn’t other than I messed two numbers up and it went to probably an invalid email I was told to contact the recipient how can I contact someone who does not exist??? So long story short I’m outta $2500. However I’m still perusing this. It doesn’t take a rocket scientist to figure out what happened even a 10 year old could figure this situation out. I strongly recommend the cash app. I mean the customer service is all a computer or text message get real!! They cost me $2500. At this point anyway I intend on getting my money however I’ve got to hire an attorney which I will have them pay for as well. 🤬🤬🤬
I have had problems with PayPal, Xoom, Venmo. How can a company offer financial services when they are not capable of protecting your personal information and money?! My Xoom account was hacked… whoever it was got in and started sending money with the bank account that was on file. I woke up with a bunch of notifications… I tried to stop the transactions since it wasn’t me doing it calling the costumer service center. And they said they couldn’t anything with the transaction that were already completed. My question was and still is: how someone got it my account and was able to send various transfers and those transfer be completed within 2 or 3 hours after it was submitted. Cause when I have done it myself it took days to have it completed. They frozen the account they canceled 4 of the transaction that were submitted but still went through and made it to the bank. And they said that I’d have to call the bank to have them stopping those payments and refund me. WORSE FINANCIAL COMPANY TO DEAL WITH! Never open a account with them. Not able to protect your information and not even care if/when something happens to your account. Now the bank opened a investigation that will pretty much take 45 days to be completed and I will only have the money back if they’re able to prove that it wasn’t done by me. Which Xoom should be able to figure that out by looking the location from where the transaction were started at.
I applaud PayPal for being an early adapter of mobile payments. However, the rest of the industry is passing them by. Many payments take far too long to process, allowing PayPal to pocket the interest. Although this is only a few days, when working with millions of dollars, it adds up to not an insignificant amount of extra money for them. Most other apps allow for instantaneous transfers from banks, not just credit cards like PayPal does. I got a line of credit through PayPal credit. I do NOT recommend this!! I was out of the country and needed to pay for an item. I had excellent credit (over 750). The day after I opened the account my credit score dropped 100 points. I actually paid back the loan in less than 7 days. I had a credit applied to the account and the can not give you YOUR money back except by mailing a check. Again allowing PayPal to float your money while the make interest on it. The is no reason PayPal can’t instantly transfer money from your credit account to your PayPal balance. They also try and get more money from you by making requests for payment add the 3.5% charge. I was just trying to remind a friend to pay for their half of a dinner. Instead, I had to contact them to start a new transaction. Again, all the other apps allow these non-retail transactions for no charge. I’m going to stick with Venmo.
Great service But the App Got A Little Worse Last Update
PayPal, please either revert automatic payment management to the previous method or add a “display all activity” button. Managing automatic payment has been taking 10x longer (used a stopwatch to check) than before. I’ve been using PayPal for around 2 decades and the app itself for many years. I have had good experiences with both. Unfortunately a recent update made things a little (not a lot) worse by changing the way automatic payments are managed. Previously all vendors that you had automatic payments with were loaded as a scrollable list at once which was a fast and easy way to manage the payment option used for each almost instantly. Now I have to push “More Activity” and wait for a handful of them to be added to the list then push it again (13 times in total), a process that adds over a minute to the process each time I want to manage the payment option for a vendor at the bottom of the list. To be clear, this is my only issue with both the app and PayPal so far. My experience with both has been positive. But I frequently adjust payment methods to avoid getting excessive credit card usage on one card and this update made that a lot more time consuming. It would really help a lot if the process were changed.
For as big and successful as this company is, you’d think they’d have good customer service. Every time i try to add to my paypal balance is transfer money to my bank, i get an error message. i’ve been using this app for years so i know i’m not doing anything wrong. i’ll go to the helo center, talk to an agent, they’ll “unlock” my account as like a one-time thing so that the transfer goes through. but then the next time i try to do it, it happens again and i have to get in contact with an agent again just to use a standard feature on the app. i have two bank accounts so i use paypal to get money from one to the other. and in the app, they let you have more than one card hooked up so like,, if that poses a problem then don’t make it possible. like don’t make it a feature IN THE APP. i’m not blaming their customer service representatives, they do all they can. but the permissions they’re given are insufficient when it comes to helping customers. they’ve specifically said that all they can do is a one-time account unlock and that they have no way to guarantee that it won’t happen again. they should be given more resources to help their customers. i would like to be able to use the app like anyone else normally would, but paypal is so finnicky that i’d abandon it if i knew of another app that gave me the ability to transfer between my bank accounts. i just want my money, it’s that simple
PayPal doesn’t like poor or sick people, needs fees to help them.
Have used this app for 13+ years on and off. Randomly I can not send my uncle money to help him pay his rent through friends and family. No update on the app or anything is different just can’t do it now randomly. He had someone send him a few bucks yesterday for something no problem! Send $500+ to my friends multiple times for things over the years no problem! Try to send my 70+ year old uncle $200 to help pay rent cause he can’t afford it since he is out of work due to a quintuple bypass and value reconstruction surgery he barely survived… no.. must be goods and services so PayPal can get a cut. I can send all my money in my bank to a stranger as friends as family according to PayPal if I felt like it or if I wanted to give a scammer my life savings on crypto pump and dump . No problem what so ever!! we at PayPal would allow that all day every day! But send $200 to my uncle no no no. We at PayPal need that service fee to complete such a daunting task… Now I have to go down to the bank get the money out then drive him to his bank to deposit in his account. Man wish we lived in modern times where there was a company that made it easy to do such a thing… oh well nothing that can be done in these harsh times. better get some oats for the horses and ready the wagon for the 2 day trip into town I’m going to have to make now. Hope I don’t drown crossing the river, or one of us gets dysentery!
As with other reviewers, I have had PayPal for many years and have not had any issues until recently. The newest website design is confusing to me. I sent in regular monthly payments as I had been doing for years. This was for a 6-month same as cash deal. Out of the blue I received a check for over $600 from PayPal. When I checked my account online i realized There were 2 separate accounts , one was charged interest for the same-as-cash purchase and a late fee; the other was where the $600+ check came from. I don’t remember this happening before. Apparently PayPal had made changes to the way they handled my account. If they notified me of these changes I don’t remember reading anything Besides, every year about this time we get notices of privacy laws, terms and conditions, and other legal papers with jargon that I just don’t keep up with I made a call to PayPal customer service and got the issue resolved. The gentleman I spoke with took off the extra charges without a problem. The Rep was professional but had no personality. It was ok though since he fixed the problem. I think I understand what I need to do now but I will be much more careful.
I have been using PayPal for many years and for the most part you can’t beat the protection that they have. Out of over a thousand transactions I have had maybe a dozen disputes. Out of those disputes two did not go in my favor which I still don’t agree with the decision. The first dispute was I paid $30 for an item from a vendor within the U.S. and never received an order confirmation and ultimately never received the item. I physically called the company and never got anyone on the phone and only got a pre recorded saying that they are backlogged with orders and are doing their best to get orders filled after waiting months I filed a dispute with PayPal and after a month PayPal got back to me saying that they got no response from the vendor and if I wanted to escalate the dispute I had to respond within 7 days or the dispute gets thrown out, well during that response time I was on vacation in the Mojave desert camping in my RV riding ATV’s so when I got back to civilization and contacted PayPal they said that being that I didn’t respond in the allotted time that the dispute was closed. It’s only $30 but I just feel that maybe the response time should be a little longer. All in all, it’s a great service with great protection for their customers.
You always make sure that you have everyone’s back that has a PayPal account which is wonderful but I know that there are people out there that has stolen my identity are trying to do all kinds of things in my name but I can’t find out who it is but I know it wasn’t through you guys but it really makes me angry that every time I turn around and something comes up with my account where I can hardly ever buy a cell phone I can’t go and buy things or do certain things because of these people have hacked into many of my accounts for other stuff and it just I can’t get these people to stop and I know that they’ve never stolen my identity through you guys as far as I know but I know that if I ever find out who it is because I’ve tried to get a hold of Social Security because I can’t do certain things because of somebody hacked my accounts but never three guys so I’m happy for that that they don’t mess with PayPal because you will punish them and I like that about you so right now all I have to say is I know that you always have my back so thank you and I will always have a PayPal account with you and you will always be there for me and I know that so thank you.
I’ve been a PayPal costumer for about a year, over this past year I have had no problems with PayPal .. It’s a very easy banking app to use, everything is self explanatory.. If you are a customer having trouble it’s probably because you did not take your time or didn’t read everything through… If you have had issues no matter what state you’re from there is a Attorney General you can get a hold of and they take banking very seriously because it is federal. So if there’s a discrepancy with your money or transactions and PayPal is refusing to give you the customer service you deserve as a customer I recommend you call the attorney generals office immediately and file a complaint. Obviously the attorney generals office also does not look kind upon false allegations either.. As me myself and I as a customer I have had no issues whatsoever it works great for any online shopping I do, I do surveys and get paid to do them it works great for a payment option for a number of online employers even such as Uber or Lyft.. I would recommend PayPal to my children and to any family member with that being said I obviously trust PayPal‘s system.
PayPal customer service is a joke. After trying everything to get a live person on the line..I was disconnected while talking with the first rep after 20 minutes & he didn’t bother calling back..despite me having verified he had my current contact info. After another hour trying to get another live person on the line..I was assured by the second rep that this was easily fixable and give them 48 hours. She PROMISED repeatedly that I would get a call from her promptly if after 48 hours the money I was trying to get back..which was accidentally deposited to the wrong person..was not returned. I waited 5 days & called back AGAIN & was told there was nothing they could do & that the first 2 reps should have just conveyed that to me ..& I would need to file a claim with my bank..which could have easily been done if they had just told me what I needed to do the first 2 times. 3 reps told me 3 different things & none of the options have helped me get my money back yet..that was weeks ago. The phone system is one of the worst for trying to get a live person on the line. It just keeps repeating prompts & trying to provide automated information over & over. I am one to keep my mouth shut if I have nothing nice to say..but I’m blown away by the complete lack of professionalism that one would expect when dealing with a financial institution. I will NEVER use PayPal again if I can avoid it.
PayPal hasn't presented any problems for me, YET. If one is to occur, I'll also test the costumer service. But the costumer reviews are pointing to one thing: It presents no problems, or it ruins your whole life by HOLDING ALL YOUR MONEY FOR DAYS! Really? First, they need to add a more safe way to add information! You can use ANY name with ANY information, valid or invalid, and BOOM, you have an account. No wonder half of the people hate the app! I honestly love the idea, but more work needs to be put into the customer needs. Seeing as a person could lose a life savings through the app, I recommend putting a small defensive system to prevent this. My idea is to verify if the person is actually who they say they are. Seeing as you handle large amounts of money. It wouldn't cost you much to send an employee to a house if you're suspicious of who's using the account. Also, providing a technical support phone number on the front page might help some users who are having issues. If you already do this, I haven't noticed. My apologies! Back to the point, you do not have to do this, but I would like to help a potentially great business from getting sued! Thanks again for making payments easy! P.S. (I'm not the most patient person when it comes to losing money, so if my account were to get hacked, the problem would go straight to technical support!)
It doesn’t sound awful until it happens to you. I always felt PayPal was part of my business and used it faithfully. I was loyal , paid my fees, and thought honesty always prevailed. Until the first complaint was filed against me, after many many years of using PayPal. Long story short, the nature of my company requires nonrefundable deposits. It costs me money to hold items and after a certain amount of time the item looses value. All of this is stated in writing before a purchase is made. After holding an item for a lengthy period a customer decided the item was not for her. To no prevail ,I spent time with her showing her other items that matched her request. I heard nothing from her, never asked for a deposit refund (because she knew it was not honest). Then I received a PayPal notice of complaint. I explained everything I just stated. They ruled in favor of the customer refunding the deposit and also issuing me a fine!!! To top it off I can’t get an answer from them other than some computer generated response. I felt betrayed ….. well actually I was betrayed. After that happened I realized there was no protection for me. Seasonally I receive large deposits and if these buyers back out it is devastating for my company. I am in the process of finding a company that will work with me , that is honest and as loyal to me as I am to them.
I have no had PayPal for at least ten years and love it!!!! It keeps excellent records for you all your history and with whom. I’ve read some of the negative remarks and I have an extremely hard time believing many of them. Yes that they might of spend some time on the phone; well guess what nothing in this world happens at a snap of the finger. Yes even with banks and Comcast you can spend 2-3 hours on the bank; as long as your issue has been resolved. Anytime I have called PayPal for anything they have always resolved my issue. They have opened cases for me and have never taken a penny; they do NOT Charge for that so stop lying. Also if someone has sent you money and then called and filed a case against it and their bank, yes you have to deal with the person who did that and not PayPal. Just as any bank receives a fraudulent transaction and gives back the money so does PayPal. So why do you think if someone called in on you and said it is a fraudulent transaction you get to keep the money? Hence you have to deal with the person who owes you money. I completely understand people love to complain and make an elephant out of a mouse. However, any issue I have ever had was dealt with amazing customer service.
I’ve experienced a number of frustrating problems with PayPal. I’ve talked with customer service numerous times about the situation. Basically, PayPal will randomly prevent me from sending money to my bank. It seems like they have algorithms that may flag your account based on quantity and frequency of transferring money to banks. They said it looks at different factors of how old your account is, how often you use it, how much you send, etc. Ok all of that could be overlooked if customer service or a manager could override the algorithm’s decision, but they can’t. Not only that they can’t even explain definitively why a hold was put on the account. You can’t even call ahead to ask if you try to send money will a hold be placed on the account. They don’t know. You just have to try sending money and see what the almighty algorithm decides. I sent almost $4k in one transfer last Dec with no issues. Then a month or so later tried to send the same, but was denied. I tried to send $3k, but still denied. Customer service suggestion was try to send $1k a little each week or so to build up amount can send. Ok, but I sent $4k in Dec why isn’t that at least my ceiling? I know people that have their account for only a couple years and they send $10k or more per week. Why can they but I can’t? It’s frustrating that an algorithm runs the company, so basically the tail wags the dog.
This is the worst app and company to use for buying stuff in 2024. The only reason why PayPal even exists today is because they hitched their wagon to eBay successfully but who still shops on eBay? Using this app for crypto is a nightmare because it can take weeks for your purchase to clear. All the while your money is just in limbo all you can do is wait. If you purchase crypto using a bank account instead of a credit card it takes even longer to clear. This app has no benefits over just going to the PayPal website. In fact, their website is much better than this antiquated app. The app won’t allow you to get in touch with PayPal customer support any easier. This app only exists for PayPal to gather and sell your information not offer you convenient online purchases. When is the last time you ever heard someone say pay me with PayPal?!?!? I had to sell back my crypto at a loss because the PayPal app wouldn’t allow me to process a payment with crypto making the app useless in cryptocurrency transactions. PayPal terminated my service because this app said suspicious behavior was occurring on my account and this app does not have any options for me to even contact PayPal to ask why. Suspending my account allows PayPal to terminate my services while still holding onto and selling my personal information. This app only exists to allow PayPal to gather and sell your personal data.
I use PayPal a lot, because the product itself is good. But only giving 2 stars because of PayPal’s continued commitment to providing less than the bare minimum of service necessary to dispute transactions, ask questions, and work through problems. 1. No telephone service during COVID-19. I get it, people were staying at home. But as someone who works for a humble non-profit, my employer was quick to find solutions for workers to keep their jobs while working from home. PayPal obviously didn’t do this. They were no longer offering help via phone, so talking to a human instead of texting was out of the question. I had to make a Twitter account and tweet at the PayPal Twitter account to get their attention. I don’t own or use Twitter, so it was troublesome to have to go to that sort of work to get my money back after I was the victim of a scam. 2. Like every other website on the planet, PayPal is obsessed with the idea that they’ve already answered your question. It’s difficult to even get in touch with someone through their help center, because they want to push their FAQ on you instead of allowing you to just ask your question. I have NEVER found the answers in FAQ, typically because when I need help it’s because I’ve already exhausted common sense options. Stop assuming your use base is all a bunch of idiots with stupid questions, and maybe answer the phone.
Simple, quick, and convenient! PayPal offers a variety of services, which are all very simple quick and convenient to you. These are the most user-friendly services offered for money transfers, paying friends or family, depositing checks, receiving funds, adding direct deposit; this list can continue if all PayPal services were listed. PayPal creates a very user-friendly mobile App, so your money is available within a few clicks. Not to mention their security and member protected information. PayPal makes me feel secure paying online when I can choose PayPal during check-out. I have peace of mind when using PayPal anywhere and everywhere. If anything mysterious shows on my account, my issue is resolved either immediately, or I’m easily able to contact PayPal support to assist with my issue(s). They respond in a timely manner, happy to help, and resolve all issues/discrepancies with pleasure. I absolutely love PayPal and all supporting services. I wish all Apps were this easy, continent, and customer driven! I do/would recommend PayPal to all friends and family. Thank you for the excellent service PayPal! I truly appreciate every detailed process! 😀
New version looks a lot better but still has some of the stapled-together feeling that we’ve come to expect from PayPal. For instance when you try to update your address, it takes you into a web browser mode within the app. In addition to needing to re login: * the pages bounce around as the content loads making it easy to tap the wrong thing because it jumps under you right as you’re tapping. This is 101 stuff of site design * requires a bunch of page loads to do something simple like change your address. Then you go to update it and it gives you a message like “this is linked to a card. Please change it there first”. Then you have to go do about 10 page loads to find that. Maybe link me to the page, tell me which cards, or better yet - ask me if I want to update them right then and there?? * I tried to use the back arrow to get out of the in-app browsing. I could not get out! It would take me to a “prove you are not a robot” test from which I could simply not go further back. Had to kill the app. Lastly, I am technically a business account (because I signed up years ago as a tiny business) and I don’t think it lets me do anything crypto related. Or at least it’s not clear to me where / how. For a mega cap company, they need to improve this / do better with quality control.
This is a wonderful app. I never have any problems with it working, and it's so convenient to use. The only thing I don't like is the new design where when you open it up, instead of your balance being at the top, the latest notifications are at the top, and they're really large taking up a lot of room, and you have to open them to get rid of them, which is a hassle, even though you can see what they say without opening them. Then to get to your balance so you can tap it to do a money transfer, you have to scroll down past all that. I used to be able up open up PayPal, immediately see how much money I had, and boom, transfer funds in two seconds. Now I gotta go through the hassle of scrolling through notifications that someone sent me funds, when I already knew that because I got the pop-up notification, and scan through the visual clutter to find my balance. It's a chore to have to go through and open each notification message to get rid of it so I can actually see my balance. The new interface is cluttered and confusing. The balance doesn't stand out and is harder to pick out among all the other stuff, and that's the main thing people usually want to see first. Please change it back. This new design is horrible. Whoever's idea it was should be fired.
I can not tell you how much Pay Pal has helped me get on track. I was living life somewhere between being a irresponsible , careless person to wanting to get my life together and actually grow up! I finally chose to grow up and Pay pal was right there to help me better understand my finances, spending habits, the importance of savings and just a better understanding in general of living a life that u don’t need to worry if u don’t ignore responsibilities but you take caure of them, not putting everything off. They also helped me “grow up “ by supplying me everything I need to understand and grow better in the world of credit and I’m very grateful! It’s endless all the tools that PayPal has for its customers! If you are ready to become a responsible adult who is on track for success, I highly suggest that you download the PayPal app and apply for their prepaid debit card. You can run your own business and u can accept payments , as I said, all the opportunities out there and PayPal has the tools to guide and help you achieve your goals and be on your way to a successful life and a much happier one!!!Your life will be in order because PayPal is with you every step of the way!!!! Thank you PAYPAL!!
First, I would clarify that this app & company are almost 5 star for consumers with one minor issue being trying to address a problem or issue quickly with an actual customer service person. A lot of the common things can be done right in the app and additional automated processes are available on their full website (via Resolution Center usually). However, if you are using it as a Seller, you have to be prepared to have a good cash flow to cover resolutions pending, and occasionally are blocked access to your funds if an issue is being investigated like a customer complaint, even when not your issue. Sometimes for 10 or more days they can hold your funds hostage while you wait for their CS dept to investigate, allow for additional input deadlines to expire and then wait for a response/ judgement. I know it’s for the benefit of the consumer but in cases where you have abusive or not-so-honest consumers, it can be a challenge for a small business with small cash flow. And cash flow can easily kill a small business that is otherwise successful. So it’s still a good app but caution for some people who use it for business
Considering PayPal has been in business for such a long time he would think that they would have very good customer service and glitches out of their app but the customer service is not good at all when you talk to them they act like you’ve done something wrong or you’re hiding something they put too many random holds on your account having to verify all the time. When I set up my business account and trying to make an invoice for service it always goes back to goods sold I do not sell anything and I think I’ve been charged extra for that taken out of my invoices the only thing that I have experienced that was an ease was purchasing something online using your PayPal card but as far as my invoicing and sending money to people seems like there is always a problem and now they’re charging even more to even send money to friends and family where they are me anyway. When I’m trying to make an invoice it’s very slow and there are glitches in it half the time I have to redo my items and description and then sometimes they’re already there I think it could be a very very good and I probably wouldn’t even use it except for I have one client that will pay immediately using PayPal and it’s a big client so I use it. As far as sending money there are other apps that are better
Bought a ticket and paid for it with my PayPal card. However the merchant charged for the ticket in euros when I was given a receipt that was in dollars. Reached out to PayPal dispute department and gave them all the evidence. They requested more document, however PayPal in their infinite wisdom decided to close the case a day before I was meant to submit supporting documentation. When I reached out asking why, they couldn't give me a valid reason and then did a complete 180 while I was still on the phone and decided to rule in my favor because they "found" my original receipt stating that I was charged a different amount. Fast forward a few days later, and I find out that PayPal refunded me an incorrect amount. I once again reach out to them and I get a very dumb rep that just wanted to argue with me, saying that the merchant took the money in euros so it had to be refunded in euros. I explained multiple times that I live in AMERICA and paid for the ticket in DOLLARS which I have a copy of the receipt that backs up my claim. After going back and forth with the agent, I decided to ask for a supervisor and she seemed to be worse. She either didn't seem to understand English or chose not to listen to me. How do I have a receipt that says I paid in dollars but you want to refund me in euros???. I am very disappointed in PayPal and won't be referring anyone to them because they're...NOT VERY INTELLIGENT!!!
I recently downloaded PayPal during the current situation to make purchases online easier, I had heard that PayPal was a great service so I downloaded it. I regret downloading the app!! When I receive my first payment I had to accept the money which meant putting in pictures of my government ID, my SSN card, and a few more things. This was fine at first but it didn’t accept them because the name on them (my full name) didn’t match my account name (the shorter version of my name). So I had to change the name through the account, when I tried to submit my birth certificate for identification it didn’t accept it because my name was too long. I tried messaging the company and every time I got an employee to message they never responded until I got another employee 8 or more hours later that did the same thing. So I decided I had tried enough and needed to call customer service, I gave the automated voice system all the needed info and they sent me to another voice system that said the customer service line is closed due to COVID. This is extremely ridiculous!! I need to speak to someone ASAP and none of the other options are working! Totally hate how PayPal is handling this I would be ok with wanting longer to get someone on the line, but having no call option at all, that’s stupid! I will not be using PayPal any more and will be switching to one of your competitors sorry not sorry 👎🏼
Earlier this month I made two purchases by two different sellers using PayPal and the sellers ended up being fake… Jumping forward, I never got the packages and I definitely did not get the help I needed from PayPal!! I was told by PayPal to file a claim which within minutes that claim was denied🤔! then I was told to talk to my bank to see if there was anything they could do and of course there wasn’t at that point. They were two transactions through PayPal and the mistakes / (FRAUD) should’ve been corrected by PayPal, not my bank to begin with. I obviously never received the packages from the fake sellers, and I never got refunded by PayPal. I’ve read quite a few reviews that are very similar to mine… I believe there should be more action being taken on PayPal‘s end to help and protect people that have been scammed!You have a job to do and it’s not or it shouldn’t be my problem that you’re too lazy to investigate where these fake people are coming from or how they’re doing this sooooo frequently and getting away with this!!! I’m sure if this was you and the tables were turned and you lost money and the item that you paid for and no one helped you or at least found and reprimanded or closed down the fake sellers… Then you might feel the way I do too. It’s a shame really, that’s such a huge corporation can’t do a little more to help its loyal customers when need be.
I have used PayPal for business for years and enjoy the cash back feature. I regularly pay bills, get paid and send money through PayPal. It’s handy, and I’ve never had any security issues. Customer support has improved over the years as well. However, the recent change of disconnecting the rollover of payments from your bank account is a bummer. Plus, it’s kind of screwed up several automatic payments I’ve had set up in there for a long time. It’s just a pain to have to transfer money all over the place. I liked this app because I could use it in congruence with my bank account. I didn’t have to worry about it. I knew if I had money in my bank account I could use my PayPal card. And I did … until I couldn’t one day. I guess I didn’t get the memo because I had to research why it wasn’t working. Now, it’s just like all the other payment apps, which I don’t like and use rarely. I do keep a couple around for emergencies and friends, but PayPal has been my go-to payment app for years. I’m not sure if I will mess around with transferring money into this account, which means I probably won’t use it for much anymore, other than to receive payments.
Horrible service. PayPal used to be such an user friendly and easy to work service. I don’t know when they went wrong. A family member made a transfer to me to pay me some money they owed me. I felt more safe using PayPal that with a financial institution that I suggested to use the service. When I got the money I receive a message saying it will get a hold of 30 days (never had that issue before) and the app gave me an account like if it was from a business instead of a personal account, not sure why. Even though I had my bank linked to the account it said it needed updates. I went to the website since I couldn’t made the changes in app. Deleted my current bank information but the website never could connect to my bank and couldn’t linked it again. So I decided to return the money to my family member. Well PayPal is making excuses to give her her money back, they said first 15 days, then 30 days and now they are saying she will get her money until August 26th more than a month from now. Mind you the had her money since May. 3 months to get her money back. That is just unacceptable. They tried to blame the bank, the Visa company for some reason until they finally said it was in them PayPal. Not sure what is happening to them, they used to be such a great friendly service and now they have become a nightmare.
After they changed ownership they aren’t the same. The old PayPal had great customer service not anymore. You could count on them to help you through any issue not anymore. I hate that you can’t transfer from Venmo and PayPal especially since they are apart of the same company it just doesn’t make any logical sense. They say you can purchase crypto but only if you have a personal account but you can’t have a business and personal account so if you setup a business account forget about having a personal. If you want to use your debt card as a payment method about 85% of the merchants won’t accept the card because it’s flagged as a prepaid card even with a business account. Forget about using it internationally they won’t let you do that either. I’ve been with them since they hit the internet but still have the same crappy limits as my ex personal account that they changed to my business account when I created it and lost my personal account. I tried to make a new personal account but was threaten that they close my business account and was going to never allow me to open another account again. Whatever happen to the PayPal that we use to love I guess it’s gone just like everything in the USA.
Inability of PayPal to resolve disputed payments with Amex
In the past, I had paid a charge with a vendor that allowed payment with PayPal. I paid thru PayPal using my Amex. The charge was for approximately $3,000. The order was cancelled and I contacted Amex to dispute the charge because the vendor would not credit me for cancellation. Amex recalled the payment from PayPal and credited my account leaving a negative balance with PayPal. The vendor eventually did accept cancellation and credited it back to Amex who in turn returned the recalled payment to PayPal but PayPal still insisted my account was negative and demanded me to pay the $3000 before I could use my account again. I had to pay because I had a couple of other substantial charges to pay thru PayPal. This happened 6 months ago and PayPal has still been unable to resolve the issue and return the $3000 to me. And now it’s happening again with an $800 chair I purchased. The chair was damaged when it was delivered and I asked Amex to dispute the charge. They did but then PayPal told Amex chair was delivered and therefore charge was valid so Amex again reinstated charge. Chair vender confirmed they tried to credit payment back to PayPal but PayPal told vendor there was issue with my account and they could not resolve return of payment to chair vendor. This is apparently how PayPal maintains their high margins by exploiting this cracks in the system. Very unfortunate for users like you and me.
I love using paypal. I had fraudulent activity after using cash app after a while and it caused me to delete the app and i will NEVER GO BACK TO USING IT AGAIN. I have been having paypal for quite a while now and i have not ever had any issues. I can go to walmart and take cash directly from the app as well no card or bank connection needed. As long as i have funds to remove. In the past I didn’t get to savvy with the use of Paypal but going forward they most definitely will be my next best money connection, transaction to pay and transfer app for business and personal individual transfering use as well. Cash is just not as likely to carry anymore and this makes it so much easier to take care of what you owe or sending someone else a financial blessing etc. I have had to use customer service as well for address updating and they where swift to respond and have been persistent to assist with my issue, with more than one option to contact them which is so appreciative. It almost hurts to have an app issue and hard to reach customer service with unreasonable response time. Thank you.!
I recently filed a dispute for an item that i never received and PayPal immediately sided with seller. Part of the scam was itself a fake tracking number, and PayPal just, simply believed it. They viewed it as it said “delivered” and just made me out to be a bad guy. I am home during day, as is wife and 2 children going to school remote. Item was never delivered, we were home and also have video cameras, at time of “delivery”, we were home and no one came. That’s not even my mailman’s delivery time at this area. So as i looked at tracking and clicked on history, it shows part of scam: it shows item shipped out a full 2 days before i was ever on this website shopping!! How can i shop for something on a Wednesday and then seller puts shipping on previous Monday? Can the seller tell the future and know that on Monday a customer was going to buy something on Wednesday so they would just ship it out on that said previous Monday? This isn’t a movie, i am sure that people seeing into the future hasn’t happened yet. Anyways, just be careful with PayPal. They aren’t too bright to not catch this scam so therefore are not helpful at all. In case you are curious, the website in question was a fake Lego website that once you agree to buy, uses PayPal. (I can’t believe PayPal deals with such a company). So DO NOT buy Legos unless it’s on actual Lego site.
I was with PayPal since the beginning then one day I log onto to my account and it had been permanently deactivated, which threw me through a loop because I never changed the way I used my account, I used it how everyone uses it and that was to buy things and send or receive money from family and friends. So I reach out to customer service because this has to be some kind of misunderstanding or mistake because it’s my account I know how I use it. When I asked the reason my account was permanently disabled they said they didn’t know and that once the account is disabled they No longer have access to the reason for the account being disabled!!! So my account was randomly disabled for a reason they wouldn’t tell me after having an account with them for 10 plus yrs doing absolutely nothing different then I’ve ever done since I opened the account. To make matters worse the money (My Money) I have left in my pay pal account has been on hold for over 6 months now. So please be aware if this can happen to me it can happen to anyone else at any time for no reason and with no warning. Then you’ll be like me unable to use pay pal at all, and you don’t realize how bad that actually is until it happens to you. PayPal links to EVERYTHING it is really messed up and feel the ultimate betrayal.
Alright, so I’ve been using PayPal for like over a decade and have always been partial to it. Honestly, they’ve done well at keeping themselves relevant through ownership changes and tech advancements, so bravo to them on that. I’ll continue to use PayPal for the reasons above but the company needs to take care of one situation…the bank they’ve chosen to use for PPC!!! I used to defend Synchrony Bank but in all honesty, that was simply because they were yet to do ME dirty like they had many others. Well now they’ve wronged me as well and I’m highly annoyed! They had no good reason to randomly close my PPC account but decided that was the best course of action and in my almost 20 years with credit products, they’re the only ones that have done this, and never for any good reason. PayPal needs to switch to a bank that isn’t a buncha snooty behinds to service these accounts or I might actually just start using another service for my money sending needs. I’ve lost thousands in available credit overnight and down goes the scores, again for no good reason. So while this review is supposed to be for the app, their association with an establishment such as Synchrony has cost them two stars…sorry, but not really.
Trying to transfer money from bank account has been a NIGHTMARE! I called PayPal the 1st time I was on hold for 30min I hung up called back was on hold for 35min then was finally transferred to a nice agent that didn't know much and kept changing reasons for the delay in transfer... 1st she blamed Bank of America that was until I told her that I talked to the bank...then she said in order for money to transfer instantly it would need to come from a savings account...uhhh that should have been communicated before I attempted to transfer another $100 from checking I would have done it from savings. So I decided to use Venmo! I never had issues when loading Venmo card! I will be working with the Better Business Bureau to get money back into my checking account WITHOUT A FEE!!! Since I was not able to use the card for the purpose intended. I thought PP would be good because I don't like to use my personal card to place orders online just as a precaution! Hence is why I have PP and Venmo! Once my funds are back in my account I will be cutting up my PP card it is of NO USE AND A HORRIBLE EXPERIENCE!! I actually handed it over to my son for his honeymoon just in case they wanted a couple hundred dollars to do or buy something extra, and thought the money would be on there...Actually had to send them funds a different way! Thumbs DOWN for PP!!!
Up until two days ago would have said : Paypal is TERRIRIC. But we are on DAY THREE of two sums sent to me sitting in limbo , no options on where to put it( the bank account I have linked for instance ??? ) while for other money sent on the same day and close to it I immediately saw the relevant questions pop up on the screen and was able to transfer the $ to my bank account IN SECONDS. Customer service is virtually nonexistent , instead of two at most easy clicks to talk to a HUMAN - since well over half of cust. svce problems CANNOT be solved by a cheap poorly designed bot , OKAY ? ; the person who keeps Paypal IN BUSINES has to run all over the place to even FIND a way to - MAYBE - talk to a PERSON! And of course instead of the glaringly onvious " Sure , tell me whatever tyou can about the $ sent " at which point the Customer Service person simply scrolls to it/them , you have to do their work and have painstakingly written down a sixty-five digit transaction number !! Really . Is there ANY legit technical reason I or some other frustrated individual KEEPING YOU FOLKS IN BUSINESS , PAYPAL , cannot simply say " It was fifty dollars sent by Fneed Incorporated last week" ? HMM ?? NO . NO THERE IS ABDOLUTELY NOT . A stupid problem that didn't have to even exist , blocking resolution to another problem( my money is in limbo ) that should have been fixed days ago .
Let me start off by saying I love the pay in 4 it’s awesome to be able to buy something and spread the cost out. With that being said, I don’t like that my card is charged immediately instead of after I’ve already placed my order with the vendor. Right now I have a payment on hold for over 12 days now because the vendor couldn’t complete the order and issued a refund. This happened less then a hour after placing the order. Second I was using pay in 4 for bath & body works went to PayPal was charged the first payment only to get back to the vendor site and my order wasn’t able to be processed because the items were “out of stock” so check my cart everything in my cart said it was available so no reason for it to be stopped in the first place. So I go to place my order and after already being charged it sent me back to the PayPal site to do it all over again so I would be charged twice! The money should not leave my card until I have completed my order! Now I’m sitting here waiting who knows how long for my money to be put back because I didn’t complete the order! And I know it’s PayPal taking this long because my card holder does not hold payments it will go back to my card immediately!
Our products are instantly fulfilled, yet PayPal still holds funds for up to 21 days, or can make it 7 days if you go into each individual order, one by one, and update shipping information to “order fulfilled,” yet there is no option to select all, to fulfill all orders selected, forcing you to do so one by one, which if you have hundreds of orders, is the most inefficient process ever, as the page refreshes to the top every time you go back to the list of transactions after each updated order, making you have to scroll back through hundreds of orders again to find the last updated order to continue updating orders, which wastes so much time it’s ridiculous PayPal doesn’t have a more efficient process to fulfill orders, even when we offered to send them our export data sheet of all our orders, we were still denied our request to have our available funds raised, for “lack of information” meanwhile they have no way to take the information proving all our orders are instantly fulfilled and all the order we have process have already been fulfilled. Do not use PayPal for digital products, they are stuck in the Stone Age as far as their technology development. It’s shocking for them to be so far behind as PayPal is supposedly such a large company. Worst experience ever. Beyond frustrating.
The only reason I am giving 1 star is because thats the lowest u can give. So I was selling something on social media and this man I was selling to paid me through PayPal and I was going to mail his package within 2 days but it took me 3 because I had something personal happen but when I went to mail the package at the post office and they said it was going to be $40 and so I text him right away and told him he could either pay the shipping or I could refund his money and he said for me to refund him so at this time I didn’t have money on PayPal but I did have enough on cash app so I asked for his info for cash app and refunded him the full amount little did I know because he failed to give me this tidbit of info, he had already requested a refund from PayPal. A decent person would have told me this or atleast cancelled his request for a refund from PayPal but I guess he figured he was gonna get paid back double and so I sent very good proof that I had already refunded him for example, I sent the screenshots of texts of our conversation about refunding him on cash app and I sent proof off of cash app , the receipt that I sent him the money and PayPal still refunded his money and made my account negative that amount!!!! I will never use PayPal again because they allowed him to scam me even when I showed them concrete proof of his lies!!!
More ways to PayPal— It’s a simple and secure way to get paid back, send money to friends, discover cashback offers from brands you love, manage your account and more. FIND DEALS RIGHT IN THE APP • Stack your rewards – Get cashback offers³ from brands you love and keep collecting your eligible credit card rewards** on top of it all ³Eligible items only. Redeem points for cash or other options. Terms and exclusions apply. See PayPal Rewards terms and conditions at PayPal.com/rewards-terms. **Subject to issuer’s rewards program terms PayPal rewards are subject to applicable terms: paypal.com/us/legalhub/pp-rewards-program-tnc SEND AND REQUEST MONEY FOR FREE • When funded by a bank account or with your PayPal balance, it’s free to send money or get paid back by friends and family in the US on PayPal • Request money securely from friends or family and personalize your payments EARN UNLIMITED 3% CASH BACK • Earn an unlimited 3% cash back¹ when you use the PayPal Cashback Mastercard(R) for PayPal purchases-unlimited cash back, no rotating categories, no annual fee² • Apply for your card, manage your account, and redeem your cash back in the app. ¹ Subject to credit approval. See Rewards Program Terms for details and eligibility criteria found at: https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm ² For New Accounts: Variable Purchase APRs are 20.24%, 29.24% and 32.24%. Minimum Interest Charge is $2. APRs are accurate as of August 1, 2023, and will vary with the market based on Prime Rate. Learn more at https://paypal.com/cashbackcard GROW YOUR MONEY WITH HIGH-YIELD SAVINGS • Roll your money into PayPal Savings and earn a current 4.30% APY–that’s 9x the national average*. • Easily manage your account right from the app. Transfer money in and out, set individual goals, and track your progress as your savings grows. *As of June 07, 2023, the annual percentage yield (APY) for PayPal Savings is 4.30%. This is a variable rate and can change at any time, including after the account is opened. National average source: FDIC National Rates and Rate Caps as of April 15, 2024. https://www.fdic.gov/resources/bankers/national-rates/#one PayPal is a financial technology company, not a bank. Banking service provided by Synchrony Bank, Member FDIC. PayPal Balance account is required to use PayPal Savings. TRACK ORDERS STRAIGHT TO YOUR DOORSTEP • Auto-track your packages even if you didn’t pay with PayPal and get live updates each step of the way • Simply link your Gmail account to track your packages or add tracking details manually in the app if it didn't update automatically. Not all sellers are participants. PAY IN 4 WITH PAYPAL • Buy now and pay later by splitting your purchase into 4 interest-free payments at millions of online retailers with no late fees • Payments are easy to manage in the app. Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO or NV. 18 years old or older to apply. PayPal, Inc.: 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: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more atpaypal.com/payin4 TRUST PAYPAL SECURE TRANSACTIONS • PayPal helps keep your financial information secure, with commercially available encryption and fraud protection Availability of features varies by market
