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1his Agreement is a contract between you and PayPal and applies to your use of the Services.
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3The terms of the Acceptable Use Policy, and Merchant Gift Vouchers Policy located on the “Legal Agreements” landing page are incorporated by reference into this Agreement and provide additional terms and conditions related to the Services. The above-mentioned documents are “Ancillary Documents” for the purpose of this Agreement. For the avoidance of doubt, neither the Ancillary Documents nor the parts of this Agreement that incorporate the terms of the Ancillary Documents constitute “framework contracts” for the purpose of the EU Payment Services Directive (2007/64/EC), the Second EU Payment Services Directive (EU2015/2366) (“PSD2”) or any implementation of those directives in member states of the EU or EEA.
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5 
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7Entering into this Agreement
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9By registering for the Services, you must read, agree with and accept all of the terms and conditions contained in this Agreement (including the Policy Updates, policies and reward terms referred to below).
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11All future Changes set out in the Policy Update already published on the “Legal Agreements” landing page of the PayPal website at the time you register for the Services are incorporated by reference into this Agreement and will take effect as specified in that Policy Update.
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13This Agreement, together with other legal terms and legally required disclosures relating to your use of the PayPal Service will be provided to you, at all times on the PayPal website(s) (typically located on the “Legal Agreements” landing page). This information may also be sent to you or appear in places on the PayPal website(s) or otherwise where relevant to your use of the Services.
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15This Agreement is provided to you and concluded in English only. You agree that any use by you of the Services shall constitute your acceptance of the Agreement and we recommend that you store or print-off a copy of the Agreement (including all policies) for your records.
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17PayPal may require you to have a PayPal Account to use the Services (including, without limitation, to send or receive payments or to use PayPal as a means of logging into third party services).
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19 AGREEING WITH THIS YOU ARE SAYING THAT YOU ARE WILLING TO USE FAKE PAYPAL SERVICES AND ARE WILLING TO PAY TO A DEVEOPER
20 THIS IS IMPORTANT YOU CANT SUE IF YOU AGREE
21 ALSO ACCOUNTS WILL BE TAKEN AND USED FOR PERSONAL USE YOU ARE AGREEING TO HAND OVER YOUR PAYPAL ACCOUNT TO THE UNKNOWN TEAM
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23IMPORTANT INFORMATION – KEY RISKS AND TERMS
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25This is an important document which you must consider carefully when choosing whether to use the Services at any time. Please read the terms of this Agreement carefully before agreeing to it. This Agreement also highlights certain risks on using the Services together with guidance on how to safely carry out online payments via PayPal.
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27You are solely responsible for understanding and complying with any and all laws, rules and regulations of your specific jurisdiction that may be applicable to you in connection with your use of the Services, including but not limited to, those related to regulated activity, licensed activity, export or import activity, taxes or foreign currency transactions.
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29Please note the following risks and key terms applicable to your use of the Services:
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31Risk of payment reversals
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33Payments received in your PayPal Account may be reversed at a later time, for example, if such a payment is subject to a Chargeback, Reversal, Claim or otherwise invalidated. This means that for some of our sellers, payments received into their Account may be returned to the sender or otherwise removed from their Account after they have been paid and/or delivered any goods or services sold.
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35A key eligibility requirement of the Seller Protection Programme is that, for tangible items, the seller must post the item to the address which appears on the transaction details page. If the item is delivered in person or if a seller posts the item to a different address (for example, if the buyer asks that you send to another address on the basis that it is a “work address” or a “gift” address) then you will not be eligible for re-imbursement under the terms of the programme.
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37You can help protect yourself from the risks of a payment being reversed from your Account by following the criteria set out in the PayPal Seller Protection Programme and by following the other guidance provided to sellers as set out in the "Security Centre" accessible via most pages of the PayPal website.
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39We may close, suspend, or limit your access to your Account or our Services, and/or limit access to your funds to the extent and for so long as reasonably needed to protect against the risk of liability (see section 10.2h) if you violate this Agreement including the PayPal Acceptable Use Policy, or any other agreement you enter into with PayPal. For the avoidance of doubt, we may permanently block your account for breach of section 10.6 (Information about you).
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41Risk of payments being held by PayPal
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43Please note that although you may only have one PayPal Account, your Account has two separate and distinct functionalities, the payment functionality and the reserve functionality. Your ability to access funds in your Account and to execute payment transactions from your Account will depend upon which functionality the funds are subject to at any given time. For the purposes of this Agreement:
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45The element of your Account which constitutes the payment functionality will be known as the "Payment Account". The Payment Account is the operational part of your Account through which you have access to funds and which can be used for the execution of payment transactions.
46The element of your Account which constitutes the reserve functionality will be known as the "Reserve Account". Your access to the Reserve Account is restricted and you have no ability to access funds in the Reserve Account or to execute payment transactions over funds in the Reserve Account. Funds held in the Reserve Account may be marked, for example, "Pending", "Uncleared", "Held".
47Examples of when funds may be held by PayPal to mitigate risks include when those funds are subject to:
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49an eCheque or Add funds bank transfer payment (see section 3.3)
50Merchant processing delay (see section 4.7)
51Reserve (see section 10.4)
52Payment review (see section 5.2)
53Payment Hold (see section 10.5)
54Restricted Activity and actions taken by PayPal (see sections 9 and 10)
55Disputes
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57If you wish to open a Dispute through PayPal’s Resolution Centre you must do so within 180 days of making your payment.
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59Payment execution
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61Please note that PayPal will execute a valid Payment Order made by you through your Payment Account and credit the payment service provider of the person to whom you are sending your payment as soon as the payment schemes available to PayPal allow (which can be within the next Business Day) following the date you gave us your valid Payment Order. This execution time is subject to certain conditions and more detail around execution of Payment Orders is set out in section 4.1 of this Agreement.
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63You must consider such risks and guidance when using PayPal.
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65For more information about the PayPal service, please read our Key Payment and Service Information.
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67The headings and subheadings below are for reference only and do not limit the scope of each section. Some capitalised terms have specific definitions, and we have provided them in section 16 or otherwise in the text of this Agreement. You will also find underlined words in this Agreement and on our website that hyperlink to relevant information.
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711. Our Relationship With You
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731.1 PayPal is only a Payment Service Provider. PayPal (Europe) S.à r.l. et Cie, S.C.A. (R.C.S. Luxembourg B 118 349) is duly licensed as a Luxembourg credit institution in the sense of Article 2 of the law of 5 April 1993 on the financial sector as amended (the “Law”) and is under the prudential supervision of the Luxembourg supervisory authority, the Commission de Surveillance du Secteur Financier.
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75PayPal’s main business is the issuance of E-money and the provision of services closely related to the issuance of E-money. A description of the main characteristics of the PayPal Service is set out in the Key Payment and Service Information document, which is accessible via the Legal Agreements link of each page of the PayPal website(s). Since the service is limited to E-money, which does not qualify as a deposit or an investment under Luxembourg law, you are not protected by the Luxembourg deposit guarantee or investor indemnity schemes administered by the Conseil de protection des déposants et des investisseurs. PayPal enables you to make payments to and accept payments from third parties. PayPal is an independent contractor for all purposes. PayPal does not have control of nor assumes the liability or legality for the products or services that are paid for with our Service. We do not guarantee the identity of any User or ensure that a buyer or a seller will complete a transaction. Please note that there are risks of dealing with underage persons or people acting under false pretence.
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771.2 Your Privacy. Protecting your privacy is very important to PayPal. Please review our Privacy Policy (alternatively known as our Privacy Statement) in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your Information.
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791.3 Assignment. You may not transfer or assign any rights or obligations you have under this Agreement without PayPal’s prior written consent. You are not permitted to transfer your Account to a third party. PayPal reserves the right to transfer or assign this Agreement or any right or obligation under this Agreement at any time without your consent. This does not affect your rights to close your Account under section 7.
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811.4 Communicating with You.
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831.4.1 Languages. This Agreement is concluded in English only. We will communicate with you in English only.
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851.4.2 Notices to You. You agree that PayPal may provide notice or other information to you by posting it on the PayPal website(s) (including the posting of information which is only accessed by you by logging into your Account), emailing it to the email address listed in your Account, mailing it to the street address listed in your Account, calling you by phone, or sending you a “text” / SMS message. You must have internet access and an e-mail account to receive communications and information relating to the Services. With the exception of amendments to this Agreement, such notice shall be considered to be received by you within 24 hours of the time it is posted to the PayPal website(s) or emailed to you. If the notice is sent by mail, we will consider it to have been received by you three Business Days after it is sent. You may request a copy of any legally required disclosures (including this Agreement) from us and we will provide this to you in a form which allows you to store and reproduce the information (for example, by e-mail) and you may terminate your consent to receive required disclosures through electronic communications by contacting PayPal as described in section 1.6 below. PayPal may charge you a Records Request Fee (per Schedule 1) to provide a paper copy. PayPal reserves the right to close your Account (pursuant to section 7) if you withdraw your consent to receive electronic communications.
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871.5 Notices to PayPal. Notices to PayPal made in connection with this Agreement must be sent by postal mail to PayPal’s head office: PayPal (Europe) S.à r.l. et Cie, S.C.A. Attention: Legal Department, 22-24 Boulevard Royal L-2449, Luxembourg.
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891.6 Amendments to this Agreement. We may at any time amend, delete or add to this Agreement, including the Fees and other amounts which apply to your Account (as set out in Schedule 1) (a “Change”) by giving notice of such Change by posting a revised version of this Agreement on the PayPal website(s). A Change will be made unilaterally by us and you will be deemed to have accepted the Change after you have received notice of it. We will give you 2 months' notice of any Change with the Change taking effect once the 2 month notice period has passed, except the 2 month notice period will not apply where a Change is required by law or relates to the addition of a new service, extra functionality to the existing Service or any other change which neither reduces your rights nor increases your responsibilities. In such instances, the Change will be made without prior notice to you and shall be effective immediately.
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91If you do not accept any Change, you must close your Account following the account closure procedure set out in section 7 (Term and closing Your Account). If you do not object to a Change by closing your Account within the 2 month notice period, you will be deemed to have accepted it. While you may close your Account at any time and without charge, please note that you may still be liable to us after you terminate this Agreement for any liabilities you may have incurred and are responsible for prior to terminating this Agreement and please further note our rights under section 7 (Term and closing Your Account).
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931.7 Eligibility. To be eligible for our Services, you must (i) be a resident of one of the countries listed on the PayPal Worldwide page; (ii) have full legal capacity to enter into a contract; and (iii) if you are an individual, be at least 18 years old. You further represent and warrant to us in opening an Account with us that you are not acting on behalf of, or for the benefit of, anyone else, unless you are opening the Account for and under the direction of the company that employs you. If you are not acting for the company that employs you, the new Account must be in your own name only. This Agreement applies only to Users who are residents of the United Kingdom and Relevant Countries. If you are a resident of another country, you may access your agreement from the PayPal website(s) in your country (if applicable).
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992 Your Account and Balances
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1012.1 Personal and Business Accounts. We offer the following types of Accounts: Personal and Business Accounts. Unless otherwise agreed, you may hold not more than one Personal Account and one Business Account. Holders of certain Personal Accounts may be required to upgrade their accounts (which may include providing further information to PayPal) in order to use all of the current functionality available in a Personal Account. By opening a Business Account and accepting the terms as outlined in this Agreement, you attest that you are not establishing the Account primarily for personal, family, or household purposes. You agree that your Account comprises the Payment Account and the Reserve Account.
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1032.2 Balance. The Balance in your Account represents the amount of E-money available for paying out from your Account, subject to the terms of this Agreement. If you hold a Balance you will not receive interest or any other earnings on the Balance because European law forbids paying interest on E-Money, as it is a cash-equivalent and not a deposit.
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105You are not required to keep a Balance at all times, but if you use the Service to pay another User you need to have sufficient Balance in your Account to cover the amount of the payment (and transaction fees payable to us). 
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107This is because, when you pay another User, you are authorising us to transfer E-money from your Balance to the Account of the recipient, in each case according to your Payment Order and subject to the terms of this Agreement. 
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109To get a Balance on your Account you can, subject further to this Agreement:
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111accept a payment in your Account from someone else; or
112obtain E-money from us by paying us an equivalent amount. You can do this:
113automatically using your applicable Funding Source(s) to cover payments that you instruct us to send to other Users (and the transaction fees payable by you to us). The execution of the payment from your bank or card issuer to PayPal is your bank’s/card issuer’s responsibility; or
114manually using the Add Funds function available from your Account interface to pay us or instructing us to pull a payment from your bank account under the authority you give us when linking your bank account as a Funding Source (see section 3.3).
1152.3 Account information (including Balance and transaction information) Unless your Account is restricted, you may access your details of executed payment transactions and other information relating to your Account transaction history and Balance by logging into your Account. Key information relating to your payments will be provided to you via e-mail and your transaction history will also be updated and made available to you at any time by logging into your Account. You will also be able to access a downloadable report via the “History” section of your Account. The “History” section will also show all Fees incurred and any other amounts charged to your Account in the relevant period. The “History” will only be updated and made available if there has been any activity on your Account or any Fees have been incurred in the relevant period. PayPal reserves the right to charge a Fee for providing you with additional information or for providing the transaction history and other information about Fees in a different way. The way in which we provide the transaction information will allow you to store and reproduce the information unchanged, for example by printing a copy. PayPal will ensure that the details of each transaction will be made available for you to view online for at least 13 months from when it is first made available. You agree to review your transactions through your Account History instead of receiving periodic statements by mail. 
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1172.4 Set-off. You agree that we may set-off any of the amounts held in Accounts held or controlled by you with any fees, charges or other amounts you owe us and (unless prevented by insolvency law) any such amounts you owe other members of the PayPal Group (including, without limitation, in respect of any services provided by any member of the PayPal Group). In simple terms, our right to set-off means that we may deduct such fees, charges or other amounts mentioned in this section from an Account Balance held or controlled by you.
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1192.5 Amounts you owe us. Where the aggregate amount you owe us exceeds the amount held in your Balance we may show your Balance in negative figures as a reflection of the net amount you owe to us.
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1212.6 Balances in Multiple Currencies. If one of the currency Balances in your Account shows that you owe us an amount of funds for any reason, we may set-off the amount you owe us by using funds you maintain in a different currency Balance or by deducting amounts you owe us from money you receive into your Account, or money you attempt to withdraw or send from your Account, or in a different Account, and by deducting funds from any withdrawals you attempt to make. If, for a period of 21 Days, you have a Balance that reflects an amount owing to us that is not in Euros, PayPal will convert the amount you owe us to Euros. You will be charged a Currency Conversion Fee as set out in A3.1.1 of Schedule 1 for the conversion of the amount you owe us into Euros (pursuant to section 8.2).
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123You are responsible for all risks associated with maintaining Balances in multiple currencies (including, without limitation, the risk that the value of these Balances will fluctuate as exchange rates change, which over time may result in a significant decrease in the value of the Balances). You agree that you will not attempt to use multiple currencies for speculative trading.
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1252.7 Security Interest. To secure your performance of this Agreement, you grant to PayPal a legal claim against the funds in your Account as security for any amount you may owe to us. This is known in legal terms as a “lien” on and “security interest” in your Account.
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1313. Funding Sources.
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1333.1 Linking your Funding Source. You can link or unlink a debit card, a credit card, a pre-paid card (in certain cases), a bank account and/or PayPal Credit as a Funding Source for your Account.   Please keep your Funding Source information current (i.e. credit card number and expiration date). If this information changes, we may update it at our sole discretion without any action on your part, according to information provided by your bank or card issuer and third parties (including but not limited to our financial services partners and the card networks). If you do not want us to update your Funding Source information, you may contact your bank or card issuer to request this or remove the Funding Source in your Account Profile. If we update your Funding Source information, we may retain any preference setting attached to it.
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135You may choose to confirm your card or bank account, so that we can verify that the card or bank account is valid and that you are its owner. We may allow you to do this by following the Link and Confirm Card process (for cards) or the Bank Confirmation process (for bank accounts) or other processes which we may notify to you or which we may publish from time to time.
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1373.2 Cards. By linking a debit card, credit card or (in certain cases) pre-paid card as a Funding Source, you are providing PayPal with a continuous authority to automatically charge that card for the amount necessary to purchase E-money required in your Balance to cover a Payment Order (plus transaction fees payable to us) when the card is the applicable Funding Source for that Payment Order pursuant to this Agreement. You can stop the continuous authority in respect of any card by removing that card as a Funding Source in your Account Profile.
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1393.3 Bank accounts. By linking your bank account as a Funding Source, you are providing PayPal with a continuous authority (subject to the terms of the mandate used by your bank to set up and maintain that authority) to automatically charge your bank account for the amount necessary to purchase E-money in your Balance:
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141required to cover a Payment Order to another User (plus transaction fees payable to us) when the bank account is the applicable Funding Source for that Payment Order pursuant to this Agreement: or
142when using the Add Funds functionality in your Account interface.
143You give PayPal the right to resubmit any debit you authorised that is returned for insufficient or uncollected funds. If you cancel any direct debit (including, without limitation, any SEPA Direct Debit), you agree to reimburse us for the value of any goods or services that you have consumed with the proceeds of that direct debit.
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145You agree that when PayPal receives a payment from your bank account to obtain E-money in your Account, PayPal may hold the funds in your Reserve Account for so long as PayPal determines that an NSF Risk exists. In such an event, the E-money will not be made available to you in your Payment Account (including for the execution of any Payment Order that the bank payment was made to cover) until PayPal determines that the NSF Risk has passed. Until that time the bank payment will appear to you as “Uncleared” in your Account details. PayPal is not in possession of all the information necessary to place the funds from your bank payment at your disposal until it determines that the NSF Risk has passed. 
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147PayPal reserves the right to require you to fund your requested payment by the use of Bank Account - eCheque to mitigate risk (including, without limitation, the NSF Risk) associated with your Payment Order.
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1493.4 SEPA Direct Debit (for users with registered addresses in Cyprus, Estonia, Greece, Ireland, Latvia, Lithuania, Malta, Slovakia and Slovenia): After the implementation of the use of SEPA Direct Debit mandates by PayPal in the country in which you reside, whenever you register a bank account with PayPal or pay with a new bank account for the first time, you will be granting PayPal a SEPA Direct Debit mandate. You will be able to exclusively access such mandate and the mandate reference number (MRN) in your PayPal Account profile at any time and cancel or change the mandate for future transactions.
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151Whenever you make an electronic transfer from your bank account to PayPal via SEPA Direct Debit after that, you authorise PayPal to use such mandate and draw the amount from your bank account as explained above in this section 3.4 and you authorise your bank to arrange for payment to PayPal. You may claim a refund from your bank at any time up to 8 weeks after the date on which the SEPA Direct Debit payment took place in accordance with your bank’s terms and conditions.
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153PayPal will inform you of the amount of the SEPA Direct Debit payment and the time frame in which PayPal will collect the amount from the bank account together with the purchase confirmation. In the event that PayPal resubmits any SEPA Direct Debit payment request due to Reversal of the original payment, there will be no (additional) information given on the amount and the time frame ahead of the resubmission.
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1553.5 Special Funding Arrangements: Certain payments may be funded by special funding arrangements linked to your Account, such as merchant/transaction specific balance, gift vouchers or other promotional funding arrangements, the use and priority of which are subject to further terms and conditions between you and PayPal (“Special Funding Arrangements”). Your Account Overview may show the notional amount available in your Special Funding Arrangements to fund qualifying payments at any given time. This amount does not constitute E-money, is not deemed part of your Balance and is not redeemable in cash - it only represents the amount of E-money which PayPal offers to issue and credit to your PayPal Account at the time of (and only to immediately fund) a qualifying PayPal payment, subject to (and only for the period outlined in) the further terms and conditions of use of that Special Funding Arrangement. If your PayPal payment funded by a Special Funding Arrangement is rescinded (including, without limitation, Reversed) at a later time for any reason, PayPal will keep the amount that represents the portion of that PayPal payment that was funded by your Special Funding Arrangement and (provided that the Special Funding Arrangement has not already expired) reinstate the Special Funding Arrangement.
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1573.6 Preferred Funding Source. You can choose any of the Funding Sources in your Account as your Preferred Funding Source for obtaining E-money in your Balance to cover a Payment Order, subject further to this Agreement. PayPal may allow you to choose a Preferred Funding Source for certain future Payment Orders in your account preferences on www.paypal.com from time to time. There may be times when your Preferred Funding Source cannot be used, depending on the nature of the Funding Source, the type of Payment Order it is used to fund or the recipient (see also section 3.8). For example (on a non-exhaustive basis):
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159you select a credit card that has expired;
160a Special Funding Arrangement is available to cover the Payment Order instead, in which case PayPal may use the Specific Funding Arrangement to obtain E-money to cover your Payment Order before using your Preferred Funding Source; or
161you have a pre-existing Balance available to cover the Payment Order instead, in which case PayPal may use your pre-existing Balance (after any available Special Funding Arrangement) for the E-money to cover your Payment Order before using your Preferred Funding Source.
162PayPal may disapply section 3.6.c. and use your Preferred Funding Source to obtain E-money to cover certain Payment Orders even if you have pre-existing Balance, subject further to this Agreement.
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1643.7 No Preferred Funding Source selected/available? If you have not selected a Preferred Funding Source or if your Preferred Funding Source is unavailable, PayPal will obtain E-money in your Balance to cover your Payment Order from the following sources in the following order to the extent available:
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168Special Funding Arrangements
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172Pre-existing Balance
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176Default Funding Sources
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180Used in the following order (to the extent that such Funding Sources are available for use with your Account):
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182Bank account – for an Instant Transfer payment
183PayPal Credit
184PayPal-branded debit card – where available
185PayPal-branded credit card – where available
186Debit card
187Credit card
188Bank account – for an eCheque payment
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1913.8 Funding Source Limitations. In order to manage risk, PayPal may limit the Funding Sources available for a transaction. If we limit a Funding Source, we will alert you that there is a higher than normal level of risk associated with the payment (for example and without limitation, a risk that the payment may be challenged to be unauthorised). Such a notice does not mean that either party to the transaction is acting in a dishonest or fraudulent manner. It means there may be a higher than normal level of risk associated with the payment. Funding Sources may be limited also if you make a PayPal payment through certain third party websites or applications. For PayPal Business Payments, you are limited to funding your PayPal payment with your pre-existing Balance and/or eCheque.
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193If your Funding Sources are limited, you may choose to continue with the transaction with the understanding that you may have fewer avenues available for dispute resolution should the transaction turn out to be unsatisfactory (for instance, if one of your Funding Sources is your credit card but, as a result of a limitation of Funding Sources, you cannot fund your PayPal payment by credit card, you will not have chargeback rights for the PayPal payment).
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1994. Sending Money
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2014.1 Our execution of your Payment Orders.
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203Subject to the terms of this Agreement (and your compliance with the same), you agree that we will execute a Payment Order made by you via your Payment Account and credit the payment service provider of the person to whom you are sending your payment, as soon as the payment schemes available to PayPal allow (which can be within the next Business Day) following the date you gave us and we received your valid Payment Order. This is subject to you providing us with:
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205your Payment Order before 4pm on a Business Day, except that the relevant time shall be 5.00pm if your Account is registered in Greece, 3.00pm if your Account is registered in Ireland, 2.45pm if your Account is registered in Hungary and 2.00pm if your Account is registered in the Czech Republic. All times stated are local times of the country where your Account is registered. If you provide us with your Payment Order after this time or not on a Business Day, you agree that your Payment Order was received by us on the following Business Day;
206a correct Unique Identifier or other valid details of the recipient or you as PayPal or the person you are paying may reasonably request from you when you complete the details to make the Payment Order;
207all mandatory information requested in the relevant payment or checkout flows;
208(if required), details of your valid Funding Source(s) that have sufficient funds to make the payment;
209valid consent to authorise your Payment Order, such valid consent is provided when you:
210click the “Pay” or “Continue” or other button in the sections of the PayPal website(s) or PayPal checkouts which permit you to send us a Payment Order after you have submitted your correct log-in information (e.g. e-mail and password) and successfully logged into your PayPal Account; and/or
211have set up a third party initiated payment Authorisation in which you have agreed with a merchant or other third party to provide an advance Authorisation to allow that merchant or third party to collect payment of funds from your PayPal Account; and/or
212instruct us to make a payment in any other way which we may notify to you when making the Payment Order from time to time.
213Our obligation to execute Payment Orders as set out above in this section 4.1 only applies to payments executed: between Users with registered Accounts in the European Economic Area (“EEA”); and in the currency of Pounds Sterling, Euro or the currency of the EEA State that has not adopted Euro as its currency. Once your Payment Order has been provided to us, you may not revoke it or otherwise withdraw your consent to the execution of the payment transaction, with the exception that you are able to cancel a Pre-approved Payment provided that you do so before the end of the Business Day which falls on the day before the next payment under the Pre-approved Payment Authorisation is due to be made.
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2154.2 Your Payment Order for a payment to another User. Subject to the terms of this Agreement, your Payment Order for a payment to another User (whether a Personal Transaction payment or a Commercial Transaction payment) is your instruction and authorisation to us to transfer E-money from the Payment Account element of your Balance to that User as further directed in your Payment Order. Where you have insufficient Balance or have chosen a Preferred Funding Source you are also requesting us to obtain funds on your behalf from your applicable Funding Source and issue E-money to the Payment Account element of your Balance for your payment to be made.
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2174.3 Your Payment Order for a Withdrawal. Subject to the terms of this Agreement, your Payment Order for a withdrawal from your Account is your instruction and authorisation to us to redeem E-money from your Balance. Section 6 further applies to this type of Payment Order.
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2194.4 Insufficient Funds in your Balance. We are under no obligation to execute your Payment Order if you do not have sufficient funds in your Balance. PayPal reserves the right not to effect a payment made by you until it receives cleared funds (this also means, without limitation, that PayPal is not obliged to settle a refund transaction before having received funding for the original transaction).
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2214.5 Sending Limits. If you have a periodic sending limit on your Account, you can view it by logging into your Account and clicking on the “View your account limits” link on the “Account Overview” page. We may, at our reasonable discretion (for example, without limitation, to limit fraud or credit risk), impose limits on the amount of money you can send through our Service. To lift your sending limit, you must follow the steps that we will notify to you or publish from time to time (which we may set out in your Account Overview).
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2234.6 Refused Transactions. When you send E-money, although the E-money is available to the recipient, the recipient is not required to accept it. You agree that you will not hold PayPal liable for any damages resulting from a recipient's decision to not accept a payment made through the Service. We will:
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225quickly return any refunded or denied payment to your Balance or as appropriate, your original Funding Source (in some cases instead we may decide to not charge your original Funding Source); and
226return any unclaimed payment to your Balance within 30 Days after the date you initiated the payment.
2274.7 Merchant Processing Delay. When you pay certain merchants (for instance, some merchants selling on online platforms) or pay for certain purchases (for instance, purchases which have to be shipped to you or may be further amended by the merchant), you are providing:
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229an Authorisation to the merchant to collect your payment at a later time; and
230an instruction to PayPal to pay that merchant when the merchant requests payment.
231Your Authorisation will remain valid typically for up to 30 Days. If you have a positive Balance at the time you made your Authorisation, you agree that PayPal may hold the payment amount as pending in your Reserve Account until the merchant collects your payment. If your payment requires a currency conversion by us, the final exchange rate (which includes a Currency Conversion Fee) will be determined and applied (in accordance with section 8.2) at the time the merchant processes your payment and completes the transaction.
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233Your Authorisation allows the merchant to amend the payment amount before the merchant collects the payment (to account for any amendments to the purchase that you may agree with the merchant, such as additional tax, shipping or postage charges or discounts). PayPal may set a maximum amount for the payment to be made to the merchant in certain circumstances, which may be shown to you on the payment authorisation page. PayPal is not required to verify any amendments at any time (including at the time the payment is transferred). PayPal may transfer any amount on the basis of your Authorisation and upon receiving instructions from the merchant of the final payment amount (subject to any maximum amount set and communicated by PayPal for the given payment.
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2354.8 Pre-approved Payments (also known as Automatic Payments).
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237By providing an advance Authorisation for Pre-approved Payments, you:
238
239give the third party the ability to collect or reverse fixed or variable amount payments from your Account on a one-time basis, or on a (sporadically or periodically) recurring basis (as further specified in the applicable billing agreement – the document that you agree to when giving the Authorisation) until you cancel your Authorisation or underlying arrangement with the applicable third party; and
240hereby authorise and instruct PayPal to pay the third party (or another person they direct) from your PayPal Account amounts you owe as presented to us by the third party. This makes the recipient a trusted beneficiary of all your payments made under that Authorisation, so we will not ask you to log in or approve the payments when they are made. You agree that PayPal is not obligated to verify or confirm the amount the third party presents to us for the purpose of processing this type of payment. You further acknowledge and agree that payments made under this provision are variable and may be made on various dates.
241If you use the PayPal Location Based Payments Functionality to make a Pre-approved Payment to another User (typically a merchant) who accepts payments through the PayPal Location Based Payments Functionality, you may Authorise that User by selecting the User in the PayPal Location Based Payments Functionality. When you Authorise such a User, we may restrict the total amount that the Authorised User can request from your Account within a specific time period, as we may determine at our own discretion.
242
243If your Pre-approved Payment requires a currency conversion by us, the amount of the Currency Conversion Fee (per Schedule 1) will be determined at the time the applicable third party processes your payment and completes the transaction. You acknowledge that the exchange rate determined at the time of each payment transaction will differ and you agree to the future execution of Pre-approved Payments being based on fluctuating exchange rates.
244
245Prospective Payment Recipients acting under the above Authorisations who present us with a payment request under this provision hereby:
246
247warrant to PayPal that the amounts they present have been agreed and consented to by the User whose Account will be deducted (including changes to those amounts) and that they will give prior notice of the deduction to the payer; and
248agree that they will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that they will be liable to PayPal for any refunds of such payment in accordance with the terms of this User Agreement.
249You agree that you cannot request a refund from PayPal for a Pre-approved Payment unless:
250
251the Authorisation did not specify the exact amount of the payment transaction when the Authorisation was given and the applicable amount exceeded the amount you could have reasonably been expected to pay, taking into account your previous spending patterns and the circumstances of the case;
252
253and
254your consent to the making of the third party initiated payment was not given as set out in section 4.1(e); or
255the information relating to the third party initiated payment was not provided or made available to you for at least 4 weeks before the date the payment transaction was made to the merchant;
256
257and
258you notify us of the request within 8 weeks from the date the payment was made; and
259you comply with our requests to obtain information which we reasonably require to review the circumstances of the case. We reserve the right to request further information as is reasonably necessary to ascertain whether the above conditions have been satisfied and to waive any or all of the above conditions.
2604.9 Cancelling Pre-approved Payments. You may cancel a Pre-approved Payment at any time up to 1 Business Day prior to the date the payment is scheduled to be made. You may cancel a Pre-approved Payment by logging in to your Account, accessing the “Settings” tab, then, in the “Payment settings” section, clicking on "Preapproved Payments” and following the instructions to cancel the payment. In addition, if you cancel a Pre-approved Payment you may still be liable to the merchant for the payment and be required to pay the merchant through alternative means.
261
262When you use the PayPal Location Based Payments Functionality to give an Authorisation for a Pre-approved Payment to a User (typically a merchant) who accepts payments through the PayPal Location Based Payments Functionality, you may only cancel the Authorisation by following the steps to cancel your selection of the User in the PayPal Location Based Payments Functionality.
263
2644.10 Sending E-money in different currencies. You may Send Money in U.S. Dollars, Canadian Dollars, Euros, Pounds Sterling, Yen, Australian Dollars, Brazilian Real, Czech Koruna, Danish Krone, Hong Kong Dollar, Hungarian Forint, Israeli New Shekels, Mexican Peso, New Zealand Dollar, Norwegian Krone, Philippine Peso, Polish Zloty, Singapore Dollar, Swedish Krona, Swiss Franc, Thai Baht and Taiwan New Dollar. There may be some restrictions with regard to where you can send certain currencies. When you send money for someone to receive in a currency that is different than the primary currency of your Account, we follow these practices:
265
266If you have an existing Balance in the receiving currency, we will send your payment from your Balance.
267If you have a Balance in a currency different than the receiving currency, we will perform a currency conversion (pursuant to section 8.2) and use the converted Balance to send your payment.
268If you do not have any Balance, we will automatically obtain Balance in the primary currency of your Account from the relevant Funding Source pursuant to section 3 to cover your Payment Order (and any Fees you owe us). When you pay us, your Funding Source provider may apply (and may charge you for) any required currency conversion. We will then perform a currency conversion (pursuant to section 8.2) from your primary currency and send your payment (and collect Fees that are payable in the currency in which the payment is received by the recipient) from the converted Balance.
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270
2715. Receiving Money
272
273PayPal may allow anybody (with or without a PayPal Account) to initiate a payment resulting in the issuance or transfer of E-money to your Account. By integrating into your online checkout/platform any functionality intended to enable a payer without an Account to send a payment to your Account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform.  Such further terms include the PayPal Local Payment Methods Agreement.
274
2755.1 Lifting your receiving limit. If you have a receiving limit on your Account, you can view it by logging into your Account and clicking on the “View your account limits” link on the “Account Overview”. We may, at our reasonable discretion (for example, without limitation, to limit fraud or credit risk), impose limits on the amount of money you can receive through our Service. To lift your receiving limit, you must follow the steps that we will notify to you or publish from time to time (which we may set out in your Account Overview).
276
2775.2 Payment Review. Payment Review is a process by which PayPal reviews certain potentially high-risk payment transactions. This may be because PayPal has the reasonable suspicion that a buyer’s Payment Instrument and/or Account are being used in relation to Restricted Activities (as set out in section 9) or for other reasons as determined by us in our reasonable discretion. If a payment is subject to Payment Review, PayPal will:
278
279execute the Payment Order initiated by the buyer;
280in PayPal’s discretion, immediately upon such execution restrict the buyer’s Payment Instrument;
281place a hold on the payment, meaning the funds are held in the seller’s Reserve Account;
282provide notice to the seller to delay the shipping of the item purchased by the buyer; and
283conduct its review of the payment.
284PayPal is not in possession of all the information necessary to place the funds at the seller’s disposal in the seller’s Payment Account until the Payment Review is complete and PayPal has found the payment to be in order. Where a Payment Review finds problem with the payment, the payment will be reversed and the funds returned to the buyer from the seller’s Reserve Account. All payments that complete Payment Review are still subject to being reversed under the terms of this Agreement but will be Seller Protection Eligible if they meet the Seller Protection Policy requirements. PayPal will provide notices to you by email and/or in the Transaction History tab of your PayPal account. A payment subject to Payment Review is a review of the payment only and is implemented to reduce the risk of PayPal users receiving high risk transactions. A payment subject to Payment Review is neither a review nor a representation by PayPal as to the commercial dealings, character or reputation of a party to the payment transaction and should not be considered as a lessening of the respect of any person.
285
2865.3 Risk of Reversals, Chargebacks and Claims. The receipt of a payment into your PayPal Account does not equate to the receipt of cleared funds. A notification that E-money has been sent to you, does not amount to a receipt of E-money in your Account unless you have accepted the payment. You acknowledge and agree that a payment transaction is completed and received by you even if it becomes subject to a Reversal, Chargeback. Claim, Reserve or hold. When you receive a payment, you are liable to PayPal for the full amount of the payment plus any costs that we incur and any Fees if the payment is later invalidated for any reason. In addition to any other liability, if there is a Reversal, or if you lose a Chargeback or Claim and you are not entitled to a payment under the Seller Protection Programme, you will owe PayPal an amount equal to the Reversal, Chargeback or Claim and our Fees per Schedule 1 (including a Chargeback Fee if applicable) and PayPal will debit your Balance to recover such an amount. If a sender of a payment files a Chargeback, the credit card company, not PayPal, will determine who wins the Chargeback. You can find out more about Chargebacks by reviewing our Chargeback Guide, accessible via the PayPal Security Centre and the section called: “Selling Safely”. The PayPal Security Centre is accessed via the PayPal website.
287
2885.4 PayPal and your customers.
289
290In representations or in public communications to your customers, you shall not mischaracterise or disparage PayPal as a payment method.
291
292If you enable your customers to pay you with PayPal, you shall treat PayPal’s payment mark at least at par with other payment methods offered.
293
294PayPal does not encourage surcharging because it is a commercial practice that can penalise the consumer and create unnecessary confusion, friction and abandonment at checkout. If you are a User resident in the UK, you shall not surcharge for the use of PayPal. Otherwise you agree that you will only surcharge for the use of PayPal in compliance with any law applicable to you and not in excess of the surcharges that you apply for the use of other payment methods. You further agree that if you do surcharge a buyer, you, and not PayPal, will inform the buyer of the requested charge. PayPal has no liability to any buyer where you have failed to inform the buyer of any surcharge. You acknowledge that you could be committing a criminal offence if you surcharge and/or fail to disclose any form of surcharge to a buyer.
295
296If you are a User resident in the UK and your Account has Merchant rate status and, at any of your points of sale (in whatever form), you:
297
298dissuade or inhibit your customers from using PayPal;
299fail to treat PayPal’s payment mark at least at par with other payment methods offered; or
300apply a surcharge for the use of PayPal,
301PayPal may permanently downgrade your Account to the Standard rate (without prejudice to any other rights and remedies PayPal may have).
302
3035.5 Receiving Money in different currencies. You do not need to maintain a Balance in a particular currency to accept payments sent in that currency. If you already maintain a Balance in the currency in which you receive a payment, we will credit all payments received in that currency to your Balance. Where you (not PayPal) offer a currency conversion at the point of sale, you will inform the buyer of the exchange rate and any charges that will be applied to the payment transaction. PayPal has no liability to any buyer if you fail to inform the buyer of the exchange rate and charges. You acknowledge that if you fail to disclose the exchange rate and charges to the buyer this may constitute a criminal offence by you.
304
3055.6 Taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. PayPal is not responsible for determining whether taxes apply to your transaction, or for collecting, reporting or remitting any taxes arising from any transaction.
306
3075.7 Your Refund Policy, Data Protection, Privacy Policy and Security. We recommend that if you are selling goods or services you have a published return policy and a published privacy policy on your website.
308
309Your privacy policy must clearly and expressly indicate that all PayPal transactions are subject to the PayPal Privacy Policy (alternatively known as our Privacy Statement). You must employ reasonable administrative, technical and physical measures to maintain the security and confidentiality of any and all PayPal data and information, including data and information about PayPal users and PayPal.
310
311Compliance with Data Protection Laws. With regard to any personal data processed by PayPal and the merchant in connection with this Agreement, PayPal and the merchant will respectively each be a controller in respect of such processing. PayPal and the merchant agree to comply with the requirements of the Data Protection Laws applicable to controllers in respect of the provision of their respective services and otherwise in connection with this Agreement. For the avoidance of doubt, PayPal and the merchant each have their own, independently determined privacy policies, notices and procedures for the personal data they hold and are each a data controller (and not joint data controllers).In complying with the Data Protection Laws, PayPal and the merchant shall, without limitation:
312
313implement and maintain at all times all appropriate security measures in relation to the processing of personal data;
314maintain a record of all processing activities carried out under this Agreement; and
315not knowingly do anything or permit anything to be done which might lead to a breach by the other party of the Data Protection Laws.
316In addition to our rights under section 10.2, where we determine that there has been or that there is a reasonable likelihood of a security breach of your website or systems that could result in the unauthorised disclosure of customer information, we may take any other actions we deem necessary and/or require you to provide us with information related to any such breach.
317
3185.8 PayPal Business Payments. If you offer PayPal Business Payments in a payment flow, you shall not offer any other PayPal-branded payment option in the same flow, unless otherwise agreed with PayPal.
319
3205.9 Holds according to your instructions. Certain PayPal functionality may allow you (whether directly or via someone you permit to act on your behalf under section 15.9a, like an online marketplace platform on which you transact as a seller) to instruct PayPal to hold your funds (including the proceeds of payments you receive using PayPal) in your Reserve Account. In such a case we will show you the availability status of those funds in your PayPal Balance – the status descriptions may differ according to the functionality you used to instruct us to place the hold. PayPal will release the hold on the funds according to the instruction that you (or the entity that you have permitted to act on your behalf under section 15.9a) give to PayPal, subject to the rest of this Agreement.
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323
3246. Withdrawing/Redeeming E- money
325
3266.1 How to Withdraw/Redeem E-money. You may withdraw funds by electronically transferring them to your bank account (this withdrawal/redemption functionality is sometimes known as “transfer to bank”) or if you are a registered user of a Credit Card Withdrawal Region, your branded MasterCard or Visa card. Some jurisdictions may permit you to withdraw funds to either your bank account or your card. The bank account or card into which you request the redemption of E-money must be denominated in the original opening currency of your Account or another currency that PayPal supports for your country of residence. Balances will be redeemed in the original opening currency of your Account.
327
328The original opening currency of your Account is Euro (EUR), except as follows for Users with registered addresses in these countries:
329
330Czech Republic:  Czech Koruna (CZK)
331Hungary: Hungarian Forint (HUF)
332UK: Pounds Sterling (GBP)
333This means that:
334
335a. If you withdraw a balance held in a currency other than the original opening currency of your Account, you will be charged a Currency Conversion Fee as set out in section A3.1.1 of Schedule 1 to convert it to your original opening currency balance (pursuant to section 8.2).
336
337b. If you withdraw to a bank account or card held in a currency other than the original opening currency of your Account, you will be charged a Currency Conversion Fee as set out in section A3.1.1 of Schedule 1 for the conversion of the withdrawn currency amount into currency of your bank account or card (pursuant to section 8.2). 
338
339See also section 6.4 if your Account holds Balances in multiple currencies.
340
3416.2
342
343Withdrawal/Redemption Limits. You agree to comply with our requests to verify your identity before we redeem E-money to you to allow us to reduce the risk of fraud or to otherwise comply with our anti-money laundering or other legal obligations. You can view your periodic withdrawal limits, if any, by logging into your Account and clicking on the “View Limits” link on the “Account Overview.” We may, at our reasonable discretion (for example, without limitation, to limit fraud or credit risk), impose limits on the amount of money you can withdraw through our Service.
344Execution methods and timeframes.
345General. Redemption transactions from your Payment Account will be executed within the timeframes set out in section 4.1.
346Redemptions/withdrawals to UK bank accounts. We will use the Faster Payments Service to process a redemption/withdrawal Payment Order (pursuant to section 4.1) where
347the payment is made to your UK bank account in Pounds Sterling;
348the receiving institution can receive the payment via the Faster Payments Service; and
349the payment amount is within the limits stipulated by the Faster Payments Service from time to time
350
351Redemption/withdrawal payments using the Faster Payments Service could (but are not guaranteed to) be credited to your bank account within 2 hours.
352Transaction Review. We may review your withdrawal transaction to mitigate any risks and/or to prevent money laundering and to ascertain whether any Restricted Activity (as set out in section 9) is taking place (“Redemption Risk”). Where a Redemption Risk is identified by us, we reserve the right to restrict your Payment Instrument and/or refuse your Payment Order. When you instruct us to perform a redemption, we may treat this as a future dated Payment Order which we will execute within the timeframes set out in section 4.1 once we determine the Redemption Risk has passed. If we release the restriction and/or proceed to process your withdrawal, you agree that the date of your Payment Order will start on the Business Day the restriction was lifted.
3536.3 Lifting your withdrawal limit. In order to lift your withdrawal limit, you must follow the steps that we will notify to you or publish from time to time (which we may set out in your Account Overview).
354
3556.4 Withdrawing Money in Multiple Currencies. If you have Balances in multiple currencies, you will be able to choose from those when you withdraw funds, but, unless otherwise agreed, the withdrawal will take place in the original opening currency of your Account. If you are able to withdraw to your branded MasterCard or Visa card, your withdrawal may be subject to a fee as stated in Schedule 1 of this Agreement and may take place in a different currency to your original opening currency depending on whether PayPal can support the withdrawal into the card’s base currency. See section 6.1 for how you may be charged a Currency Conversion Fee to convert from or into the original opening currency of your Account when withdrawing your Balance.
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358
3597. Term and closing Your Account
360
361This Agreement starts when you successfully register for a PayPal account and ends when your Account is closed for whatever reason, except that this Agreement survives termination to the extent and for so long as we require to deal with the closure of your Account and to comply with applicable laws and regulations (including, without limitation, sections 1, 7, 8, 10, 14, 15, 16 and Schedule 1).
362
363You can close your Account at any time by logging into your Account, clicking on the “Profile” tab, clicking on the “Close Account” link, and then following the instructions. See the PayPal Help Centre for more details.
364
365We may close your Account at our convenience by providing you with two months’ prior notice. We may also close your Account at any time where:
366
367you are in breach of the terms of this Agreement and/or we are entitled to close your Account under section 10.2;
368you do not access your Account for three years; or
369we suspect that your Account has been accessed without your authorisation.
370Where we decide to close your Account we will provide you with notice of Account closure and where practicable, the reasons for closing your Account, together with the ability to withdraw any undisputed funds that we are holding.
371
372When your Account is closed:
373
374we may cancel any pending transactions and you will forfeit any Balances associated with Special Funding Arrangements;
375we may suspend, limit or terminate your access to or use of our Services, websites, software, systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf or some or all of the Services;
376you will remain liable for all outstanding obligations under this Agreement related to your Account prior to closure;
377we may keep your Account information in our database for the purpose of fulfilling our legal obligations; and
378we may retain your Balance after closure to the extent and for the time we reasonably require to protect PayPal and/or any third party against the risk of Reversals, Chargebacks, Claims, fees, fines, penalties and other liabilities of whatever nature. After this time you will be able to withdraw any undisputed funds that we are holding. Please contact PayPal Customer Service if you have any questions about funds held in your Account on closure.
379If you are the legal representative of an incapacitated or deceased Account holder, please contact us at the PayPal Help Centre for assistance.
380
381 
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384
3858. Fees and Currency Conversion
386
3878.1 Fees. Fees for Users registered in the UK and Relevant Countries are set out in Schedule 1 below.
388
389For the avoidance of doubt, a User with a PayPal Account not registered in the UK or Relevant Countries will be liable to PayPal for the fees as set out in the terms of the User Agreement applicable to the country where the User is registered or as set out in the Fee Table accessible via the “footer” of each page of the PayPal website applicable to the country where the User is registered.
390If other Fees apply for services or functionalities not referred to in Schedule 1 below, you will be notified of those Fees on the PayPal Website(s) where those other services or functionalities are offered or provided.
391
3928.2 Currency Conversion. Where a currency conversion is required, it will be completed at the transaction exchange rate we set for the relevant currency exchange. 
393
394The transaction exchange rate is adjusted regularly and includes a Currency Conversion Fee applied and retained by us on a base exchange rate to form the rate applicable to your conversion. The base exchange rate is set: on the basis of rates within the wholesale currency markets; or, if required by law or regulation, at the relevant government reference rate(s); in each case on the conversion date or the prior business day. 
395
396The transaction exchange rate applicable to your conversion may be applied immediately and without notice to you.  
397
398The “Currency Converter” tool can be accessed through your Account and used to see what transaction exchange rates apply for certain currency exchanges at the time you use the tool.
399
400Where a currency conversion is offered by PayPal to you when you make your transaction (e.g. at the point of sale), you will be shown the transaction exchange rate that will be applied to the transaction before you proceed with authorising the payment transaction. By proceeding with your authorisation of the payment transaction you are agreeing to the currency conversion on the basis of the transaction exchange rate shown.
401
402Where your payment is funded by a Debit or Credit Card and involves a currency conversion by PayPal, by entering into this Agreement you consent to and authorise PayPal to convert the currency in place of your Credit or Debit card issuer.
403
404Depending on the country you reside in and the type of Funding Source used for your payment, you may opt out of a currency conversion by PayPal before you complete your payment during checkout, in which case PayPal has no liability to you for your use of other currency conversion options.
405
406Where a currency conversion is offered at the point of sale by the merchant, not by PayPal, and you choose to authorise the payment transaction on the basis of the merchant's exchange rate and charges, PayPal has no liability to you for that currency conversion.
407
408If you receive a payment in a currency other than the primary currency of your Account from anyone who doesn’t have a PayPal Account, the payment amount will be converted into the primary currency of your Account by PayPal for you at the time the payment is made, in accordance with this section 8.2 (except where otherwise agreed by PayPal) and you agree to bear the Currency Conversion Fee at section A3.1.1 of Schedule 1 of this Agreement (which is included in the transaction exchange rate you pay), before any other transaction fees apply.
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411
4129. Restricted Activities
413
4149.1 Restricted Activities. In connection with your use of our website, your Account, or the Services, or in the course of your interactions with PayPal, a User or a third party, you will not:
415
416Breach this Agreement (including, without limitation, opening multiple PayPal accounts or breaching the Card Processing Agreement, the Acceptable Use Policy or any other agreement that you have entered into with PayPal (including a Policy));
417Breach any law, statute, contract, or regulation (including, without limitation, those governing financial services including anti-money laundering, consumer protections, unfair competition, anti-discrimination and false advertising);
418Infringe PayPal’s or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
419Act in a manner that is obscene, defamatory, libelous, unlawfully threatening or unlawfully harassing;
420Provide false, inaccurate or misleading Information;
421Fail to provide us with further information about you or your business activities that we may reasonably request;
422Send or receive what we reasonably believe to be potentially fraudulent or unauthorised funds;
423Refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us;
424Attempt to "double dip" or undertake any action which could amount to unjust enrichment during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank, or credit card company for the same transaction;
425Use an anonymising proxy, whether electronically, physically (e.g. using a P.O. box as your address) or otherwise;
426Control an Account that is linked to another Account that has engaged in any of these Restricted Activities (an Account is deemed to be “linked” to another Account for the purpose of this section 9.1.k where PayPal has reason to believe that both Accounts are controlled by the same legal personality or group of legal personalities (including, without limitation, individuals), which is more likely when both Accounts share certain attributes, including, without limitation, the same recorded user name, email address, funding source (e.g. bank account) and/or recorded ID used to receive services from PayPal’s partners (such as an eBay ID));
427Conduct your business or use the Services in a manner that results in or may result in complaints, Disputes, Claims, Reversals, Chargebacks, fees, fines, penalties and other liability to PayPal, a User, a third party or you;
428Abuse (as either a buyer or seller) of our Online Dispute Resolution process and/or PayPal Buyer Protection;
429Cause PayPal to receive a disproportionate number of Claims that have been closed in favour of the claimant regarding your Account or business;
430Have a credit score from a credit reporting agency that indicates a high level of risk associated with your use of the Services;
431Use your Account or the Services in a manner that PayPal, Visa, MasterCard, American Express or our bank acquirer and/or payment processors reasonably believe to be an abuse of the bank’s reversal process, credit card system or a violation of credit card association rules;
432Allow your Account to have a balance reflecting an amount owing to us;
433Undertake activity that does or may present to us a credit or fraud risk, a sudden increase in exposure, or a significant or otherwise detrimental level of exposure (as PayPal reasonably believes based on the information available to it);
434Use a credit card with your Account to provide yourself with a cash advance (or help others to do so);
435Access the Services from a country that is not included on PayPal's Worldwide page;
436Disclose or distribute another User’s Information to a third party, or use the Information for marketing purposes unless you receive the User’s express consent to do so;
437Send unsolicited email to a User or use the Services to collect payments for sending, or assisting in sending, unsolicited email to third parties;
438Take any action that imposes an unreasonable or disproportionately large load on the Services, our infrastructure, our websites, our software or our systems (including any networks and servers used to provide any of the Services) whether operated by us or on our behalf;
439Facilitate any viruses, Trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorized access to any system, data or Information or the Services;
440Use any robot, spider, other automatic device, or manual process to monitor or copy our website without our prior written permission;
441Use any device, software or routine to bypass our robot exclusion headers, or interfere or disrupt or attempt to interfere with or disrupt our infrastructure, our websites, software, systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf, any of the Services or other Users’ use of any of the Services;
442Copy, reproduce, communicate to any third party, alter, modify, create derivative works, publicly display or frame any content from the PayPal website(s) without our or any applicable third party’s written consent;
443Take any action that may cause us to lose any of the services from our internet service providers, payment processors, or other suppliers or service providers;
444Use the Service to test credit card behaviours;
445Reveal your Account password(s) to anyone else, nor may you use anyone else's password. We are not responsible for losses incurred by you including, without limitation, the use of your Account by any person other than you, arising as the result of misuse of passwords;
446Do, or omit to do, or attempt to do or omit to do, any other act or thing which may interfere with the proper operation of the Service or activities carried out as part of the Services or otherwise than in accordance with the terms of this Agreement;
447Request or send a Personal Transaction payment for a Commercial Transaction;
448Allow your use of the Service to present to PayPal a risk of non-compliance with PayPal’s anti-money laundering, counter terrorist financing and similar regulatory obligations (including, without limitation, where we cannot verify your identity or you fail to complete the steps to lift your sending, receiving or withdrawal limit in accordance with sections 4.5, 5.1 and 6.3 or where you expose PayPal to the risk of any regulatory fines by European, US or other authorities for processing your transactions);
449Integrate or use any of the Services without fully complying with all mandatory requirements communicated to you by way of any integration or programmers’ guide or other documentation issued by PayPal from time to time;
450Advertise, promote, introduce or describe PayPal Credit to your customers without obtaining the necessary regulatory permission to do so (which may lead to you committing a criminal offence under the (UK) Financial Services and Markets Act 2000);
451Suffer (or cause us to determine that there is a reasonable likelihood of) a security breach of your website or systems that could result in the unauthorised disclosure of customer information.
452You agree that engaging in the above Restricted Activities diminishes your or other PayPal customers’ safe access and/or use of your Payment Instrument, Account or the Service generally.
453
4549.2 Keeping your Payment Instrument Safe. You agree to perform the following actions to keep your Payment Instrument safe:
455
456Not engage in any of the Restricted Activities;
457Keep the details of your Funding Sources, password and PIN safe;
458Not allow anyone else to have or use your Funding Source, password or PIN details;
459Not disclose the details of your Funding Sources, password or PIN except when using the Service;
460Never write your password or PIN in a way that can be understood by someone else;
461Not choose a password or PIN that is made more memorable to you such as a sequence of letters or numbers that may be easy to guess;
462Take care to make sure that no one sees your password or PIN when you use it;
463Ensure you are logged out of all payment-relevant applications in your device when you don’t use it to access the Service and/or when others could access it (e.g. where you share your device with others or use your device through unsecured public internet connections, such as in typical public “free-WiFi” areas);
464Refrain from using any functionality that saves or stores your password or PIN on your access device;
465 Comply with all reasonable instructions we may issue regarding how you can keep your Payment Instrument safe;
466Keep your personal details in your Account up to date. We may be unable to respond to you if you contact us about your Account from an address, telephone number or email account that is not registered with us; and
467Take all reasonable steps to protect the security of the personal electronic device through which you access the Services (including, without limitation, using pin and/or password protected personally configured device functionality to access the Services). If you lose your device, you must inform us immediately and delete your device from the settings in your PayPal account.
468Please see our Key Payment and Service Information document for more information about the secure use of the Services.
469
4709.3 Restricted Activities and Permissions. Nothing in this section 9 prevents you from permitting third parties to take certain actions on your behalf as outlined in section 15.9 in compliance with the conditions of their licence and applicable law.
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473
47410. Your Liability – Actions We May Take
475
47610.1 Your Liability.
477
478You are responsible for all Reversals, Chargebacks, fees, fines, penalties and other liability incurred by PayPal, a PayPal User, or a third party caused by your use of the Services and/or arising from your breach of this Agreement. You agree to reimburse PayPal, a User, or a third party for any and all such liability.
479Liability for Claims under PayPal Buyer Protection. Notwithstanding any other section of this Agreement, if PayPal makes a final decision that you lose a Claim filed directly with PayPal, you will be required to reimburse PayPal for your liability. Please see section 13 (and in particular sections 13.1, 13.2 and 13.3) for details about how PayPal Buyer Protection may affect you as a seller. Your liability will include the full purchase price of the item and original postage costs (and in some cases, you may not receive the item back). PayPal Seller Protection may cover your liability, see section 11 below.
480Reimbursement for Your Liability. In the event you are liable for any amounts owed to PayPal, PayPal may immediately remove such amounts from your Balance (if available). If there are insufficient funds in your Balance to cover your liability, PayPal reserves the right to collect your debt to PayPal by using any payments received in your Account and otherwise you agree to reimburse PayPal through other means. PayPal may also recover amounts you owe us through legal means, including, without limitation, through the use of a debt collection agency.
481Temporary Holds for Disputed Transactions. If a buyer files a Claim, Chargeback or Reversal on a payment you received, PayPal will place a temporary hold on the funds in your Account to cover the full amount of the Claim, Chargeback or Reversal. A hold placed under this provision will not restrict your use of the Account with regard to funds other than those disputed or at risk under the Claim, Chargeback or Reversal, unless we have another reason for doing so. If you win the dispute or if the payment is eligible for a payment under the terms of PayPal Seller Protection, we will release the hold and restore your access to the applicable funds. If you lose the dispute, PayPal will remove the applicable funds from your Account.
482
483This process also applies to any claim that a buyer files against you with eBay through the eBay resolution process, provided that you have authorised eBay to use your PayPal Account to pay amounts you owe to eBay or to the buyer (as the case may be) under the terms of the eBay resolution process (“eBay Due Amounts”) and eBay has notified us of the claim. To the extent that the above provisos are met, you authorise and instruct PayPal to process payments of all and any eBay Due Amounts from your PayPal account to eBay or to the buyer (as the case may be) according to eBay’s instructions to PayPal, but you agree that PayPal may treat your authorisation and instruction for the payment of any given eBay Due Amount as cancelled and PayPal shall not be obliged to complete such payment, if PayPal (in its sole discretion) decides that the claim would have been determined in your favour had it been filed as a Claim with PayPal. You may also cancel this authorisation and instruction by contacting PayPal Customer Service. All claims filed directly with eBay are governed by eBay policy only. The terms of the PayPal Seller Protection Programme do not cover sellers in respect of claims filed by buyers directly with eBay.
48410.2 Actions by PayPal. If we have reason to believe that you have engaged in any Restricted Activities, we may take various actions to protect PayPal, a User, a third party, or you from Reversals, Chargebacks, Claims, fees, fines, penalties and any other liability. The actions we may take include but are not limited to the following:
485
486We may, at any time and without liability, suspend, block, limit, close or cancel your right to use your Payment Instrument or Account entirely or for any particular transaction, which may in turn suspend, block, limit, close or cancel access to your Account or the Services (such as limiting access to any of your Funding Sources, and your ability to send money, make withdrawals, or remove financial Information). We will normally give you advance notice of any suspension or cancellation but we may, if it is reasonable to do so (for example if you are in breach of this Agreement or we consider it advisable for security reasons), suspend or cancel your right to use your Payment Instrument or Account without prior notice to you;
487Block your Account and/or hold any funds in the Reserve Account (including, without limitation, for more than 180 days if so required by PayPal, where PayPal’s rights under section 10.2 arise from your engagement in the Restricted Activity set out in section 9.1 ag.);
488Refuse any particular payment transaction at any time for any reason and will only be required to make available the fact of the refusal and the reasons for the refusal and how you may resolve the problem, where possible, upon request and provided it is not prohibited by law;
489We may reverse a payment (including, if appropriate, to the sender’s Funding Source), that violates our Acceptable Use Policy or section 9, or which we reasonably suspect of violating our Acceptable Use Policy or section 9;
490We may contact third parties and disclose details of the Restricted Activities in the manner set out in our Privacy Policy (alternatively known as our Privacy Statement);
491We may request information from you or otherwise update inaccurate Information you provided us;
492We may refuse to provide our Services to you in the future;
493We may hold your funds to the extent and for so long as reasonably needed to protect against the risk of liability. You acknowledge that, as a non-exhaustive guide:
494PayPal’s risk of liability in respect of card-funded payments that you receive can last until the risk of a Chargeback closing in favour of the payer/buyer (as determined by card scheme rules) has passed. This depends on certain factors, including, without limitation:
495The type of goods or services for which you receive payment; or
496The timeframe for delivery of the goods or performance of the services for which you receive payment (e.g. sales of event tickets months in advance of the event date can present a higher and more enduring risk of Chargebacks than sales of most other items or services);
497PayPal’s risk of liability in respect of a Claim or Dispute arising from a payment that you receive can last for the time that it takes for the parties to close the Claim or Dispute and all appeals associated with that Claim or Dispute in accordance with section 13 of this Agreement;
498PayPal’s risk of liability in respect of any event of insolvency that you suffer can last for as long as and to the extent that laws applicable to your insolvency restrict PayPal from taking legal action against you; and
499If you allow your Account to have a balance reflecting an amount owing to PayPal, PayPal’s risk of liability can last for the time and to the extent that you owe that amount to PayPal.
500We may take legal action against you.
501We may suspend your eligibility for PayPal seller protection and/or PayPal Buyer Protection (including in retrospect).
502We may suspend, limit or terminate your access to our Services, websites, software, systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf, and, to the extent and for so long as permitted by applicable law, your data.
503Unless otherwise directed by us, you must not use or attempt to use your Payment Instrument or Account while it is suspended or has been closed. You must ensure that all agreements with merchants or other third parties that involve third party initiated payments (including, Pre-approved Payments) set up from your Account are cancelled immediately upon the termination, suspension or closure of your Account. You remain liable under this Agreement in respect of all charges and other amounts incurred through the use of your Account at any time, irrespective of termination, suspension or closure.
504
50510.3 Limited Access. If we suspect that your Account has been accessed without your authorisation, we may suspend, or limit, your access to your Account or the Services (such as limiting access to any of your Funding Sources, and your ability to send money, make withdrawals, or remove financial Information). If we limit access to your Account, we will provide you with notice and opportunity to request restoration of access if appropriate.
506
50710.4 Reserves. PayPal, in its sole discretion, may place a Reserve on funds held in your Account when PayPal reasonably believes (based on the information available to PayPal at the time of taking the Reserve and what in its sole discretion it regards as an acceptable level of risk to PayPal under all the circumstances) there may be a higher than acceptable level of risk associated with your Account. If PayPal places a Reserve on funds in your Account, the funds will be held in your Reserve Account and those funds will be shown as “pending” in your PayPal Balance. If your Account is subject to a Reserve, PayPal will provide you with a notice specifying the terms of the Reserve. The terms may require that a certain percentage of the amounts received into your Account are held for a certain period of time, or that a certain amount of money is held in reserve, or anything else that PayPal determines is necessary to protect against the risk associated with your Account. PayPal may change the terms of the Reserve at any time by providing you with notice of the new terms. You may close your Account if you object to the Reserve. If your Account is closed for any reason, we have the right to hold the Reserve for up to 180 Days. When managing risk for Accounts, we may also limit the amount you can immediately withdraw or change the speed or the method of payment for withdrawals, set-off amounts from your Balance and/or require that you, or a person associated with you, enter into other forms of security arrangements with us (for example, by providing a guarantee or requiring you to deposit funds with us as security for your obligations to us or third parties). You also agree to undertake, at your own expense, any further action (including, without limitation, executing any necessary documents and registering any form of document reasonably required by us to allow us to perfect any form of security interest or otherwise) required to establish a Reserve or other form of security in a manner reasonably determined by us.
508
50910.5 Payment Hold
510
511You agree that if either:
512you receive a payment that involves Transaction Risk; or
513there may be a higher than acceptable level of risk or exposure associated with your Account (based on the information available to PayPal at the relevant time and what in its sole discretion it regards as an acceptable level of risk or exposure to PayPal, its customers and/or its service providers under all the circumstances).
514
515PayPal may in its sole discretion (acting reasonably) place a hold on that or any payment. If PayPal places a hold on funds in your Account, we will notify you about it (including, without limitation, how long the hold may last) - the funds will be held in your Reserve Account and those funds will be shown as “pending” in your PayPal Balance. We may notify you about the hold through authorised third parties (such as partner platforms on which you transact).
516PayPal will release the hold made on your payment under this provision when PayPal determines that the Transaction Risk or risk or exposure associated with your Account no longer exists. Please note that, notwithstanding the above, if you receive a Dispute, Claim, Chargeback, or Reversal on the transaction payment subject to the hold, the funds (or an amount equal to the relevant payment) may be held in your Reserve Account until the matter is resolved pursuant to this Agreement.
517You agree to provide to PayPal any information as PayPal may reasonably request to allow PayPal to determine whether the Transaction Risk or risk or exposure to your Account has passed. You may close your Account if you object to the hold under this provision. If your Account is closed for any reason, PayPal has the right to hold a payment under this provision for a period of up to 180 days from the date the complete obligations under the contract for sale (to which the payment in question relates) have been discharged.
51810.6 Information about you
519
520PayPal reserves the right to request additional information from you, other than what is referred to in this Agreement, to allow it to comply with its anti-money laundering obligations. You agree to comply with any request for further information as we reasonably require to enable us to comply with our anti-money laundering obligations. This may include, without limitation, requiring you to fax, email or otherwise provide to us certain identification documents. You also agree to provide us, upon our reasonable request and at your own expense, information about your finance and operations, including, without limitation, your most recent financial statements (certified or otherwise) and merchant processing statements (if applicable).
521Getting Verified
522To obtain Verified status you must complete the following steps depending on your Account status:
523
524UK customers:
525
526Personal Account holders: Either:
527
5281) Set up Direct Debit and complete the Bank Confirmation process; or
529
5302) Be successfully approved for and activate PayPal Credit.
531
532Business Account holders: Either:
533
5341) Set up Direct Debit; complete the Bank Confirmation Process; and provide supplemental business information; or
535
5362) Be successfully approved for and activate PayPal Credit; and provide supplemental business information.
537
538Relevant Country customers: add a credit card and complete the Link and Confirm Card process.
539
540PayPal may, from time to time, make available to you other methods or procedures for you to obtain “Verified” status. By highlighting a User as “Verified” PayPal only represents that the Verified user has completed the steps of the process to obtain “Verified” status. Further to section 1.1 and by attributing Verified status to a user, PayPal neither guarantees, undertakes nor otherwise represents that a Verified user will complete a payment transaction.
541
54210.7 Disclosure of reasons for our actions
543
544Our decisions to take the actions set out in this section 10 and any other actions we take under this Agreement, whether they restrict or extend your access to the Service, our infrastructure, our websites, our software or our systems (including any networks and servers used to provide any of the Services) whether operated by us or on our behalf (including, without limitation, any blockages, limitations, suspensions, terminations, holds and reserves) may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures or our confidential information to you.
545
546Back to top
547
54811. Seller Protection Programme
549
55011.1 What is PayPal seller protection?
551
552If you are the recipient of a payment made by a customer ("Payment Recipient"), we may reimburse you an amount for Claims, Chargebacks, or Reversals made against you based on the following reasons:
553
554A Chargeback or Reversal was issued against you for the reason of an “Unauthorised Payment” (except for any “Unauthorised Payment” initiated in an environment not hosted by PayPal); or
555A Chargeback or Claim was issued against you for the reason of “Not Received”,
556where PayPal receives from you proof that the item was posted or delivered in accordance with the requirements set forth below, subject to the further provisions of this section 11 (including, without limitation, the Eligibility Requirements at section 11.6).
557
558Please read section 13 (PayPal Buyer Protection) to understand how a Claim against you may arise. If you sell or market to buyers in other countries, you should read the PayPal Buyer Protection policies of the countries in which your target buyers are based (the relevant PayPal Buyer Protection policies are available here and are also accessible via the “Legal” or “Legal Agreements” footer on most PayPal site pages) as these policies will apply to you as a Payment Recipient or seller.
559
560Please also read section 5.3 (Risk of Reversals, Chargebacks and Claims) to understand the risk of Reversals, Chargebacks and Claims arising when you receive a payment.
561
562 
563
56411.2 Availability of PayPal seller protection
565
566PayPal seller protection is available to
567
568Payment Recipients with registered PayPal Account(s) in the Relevant Countries who receive PayPal payments from buyers making an eligible purchase (worldwide and everywhere PayPal is accepted).
569
570PayPal seller protection does not apply to Claims, Chargebacks and/or Reversals for the reason that the purchase was Significantly Not as Described (SNAD) nor for items that you deliver or are picked up in person.
571
57211.3 How much protection is provided by PayPal seller protection?
573
574Subject to section 10.2j and this section 11:
575
576a. PayPal will pay you the full amount of an eligible payment the subject of the Claim, Chargeback, or Reversal and waive the Chargeback Fee, if applicable; and
577
578b. There is no limit on the number of payments for which you can receive re-imbursement under PayPal Seller Protection.
579
58011.4 What happens when a buyer files a Claim, Chargeback, or Reversal?
581
582PayPal will place a temporary hold on the funds in your Account to cover the full amount of the Claim, Chargeback, or Reversal. See section 10.1.d for further details about the temporary hold process.
583
58411.5 If the payment is not covered by PayPal seller protection, PayPal will remove the funds from your Account and return the payment to the buyer. In addition, you will be responsible for PayPal’s Chargeback Fee, if applicable.
585
58611.6 Eligibility Requirements
587
588What are the eligibility requirements for PayPal seller protection?
589
590You must meet all of these requirements to be covered:
591
592The transaction is not ineligible under section 11.10.
593The transaction must be marked by PayPal as eligible or partially eligible for PayPal seller protection on your Account “Transaction Details” page. If it is marked eligible, protection for both Unauthorised Payments and Item Not Received will apply. If it is marked partially eligible, protection for only Item Not Received will apply.
594For tangible items, post the item to the shipping address on the “Transaction Details” page. If the item is delivered in person or if the Payment Recipient posts the item to a different address (for example, if the buyer asks that you send to another address on the basis that it is a “work address” or a “gift” address) then you will not be eligible for re-imbursement under the terms of the programme.
595You may access the “Transactions Details” page by logging into your PayPal Account, selecting “History” and then selecting “Details” for the transaction.
596
597You must follow the delivery requirements described below.
598You must accept a single payment from one PayPal Account for the purchase.
599You must respond to PayPal’s requests for documentation and other information that is reasonably required by PayPal to investigate the matter in a timely manner.
600Your primary residence, as listed in your PayPal Account, must be in a Relevant Country.
601Your eligibility is not otherwise suspended.
602Eligibility requirements c. and d. above do not apply to any item for which you receive payment through the PayPal Location Based Payments Functionality, provided that you provide to PayPal proof (to PayPal’s reasonable satisfaction) that the item was collected by or delivered to the buyer.
603
60411.7 What are the delivery requirements?
605
606 
607
608Protection for Unauthorised Payment
609
610Protection for Item Not Received
611
612Postage requirements
613
614For services and intangible items (in countries where such transactions are eligible for PayPal seller protection): Proof of Delivery
615
616 
617
618For all other transactions: Proof of Postage (minimum) or Proof of Delivery
619
620Proof of Delivery
621
62211.8 What is “Proof of Postage”?
623
624Online or physical documentation from a postal company that includes all of the following:
625
626A status of “shipped” (or equivalent) and the date of postage
627The recipient’s address, showing at least the city/county or postcode (or international equivalent).
628Official acceptance from the shipping company (for example, a postmark, a receipt, or online tracking information). Or, if you have Proof of Delivery then you do not need Proof of Postage.
62911.9 What is “Proof of Delivery”?
630
631Proof of Delivery for tangible items means online documentation from a postal company that includes all of the following:
632
633A status of “delivered” (or equivalent) and the date of delivery.
634The recipient’s address, showing at least the city/county or postcode (or international equivalent).
635Proof of Delivery for intangible items and services means any compelling evidence (as determined by PayPal) to show the sale was fulfilled, including but not limited to the following information:
636
637The date the item or service was provided.
638The recipient’s address (for instance, email/IP) where applicable.
63911.10 What are examples of items/transactions/cases that are not eligible for PayPal seller protection?
640
641For:
642Payment Recipients with their registered address outside the UK: digital goods and licences for digital content.
643Payment Recipients with their registered address in the UK: intangible items (including digital goods and licences for digital content) and services.
644Where PayPal in its own discretion may make certain intangible items (including digital goods and licences for digital content) and/or services eligible from time to time, unless otherwise agreed in writing with PayPal, the following will always remain ineligible:
645Items equivalent to cash (including, without limitation, stored value items such as gift cards and pre-paid cards).
646Payments made in respect of financial products and investments.
647Donations.
648Items that you deliver (or are picked up) in person (except for items for which you received payment through the PayPal Location Based Payments Functionality).
649Transactions processed otherwise than through the buyer’s PayPal account. For example, if the payment was received as a direct card payment (including through Zong, Website Payment Pro, Virtual Terminal and PayPal Here) or as a PayPal guest checkout transaction, then it is not eligible for coverage.
650Claims, Chargebacks and Reversals for Significantly Not as Described and/ or claims filed directly with eBay.
651PayPal Business Payments.
652Payments made in respect of gold (whether in physical form or in exchange-traded form).
653PayPal Mass Payment transactions
654 
655
656Back to top
657
65812. Errors and Unauthorised Transactions
659
66012.1 Identifying Errors and/or Unauthorised Transactions. You can inspect your transaction history at any time by logging in to your Account on the PayPal website and clicking the "History" tab. It is very important that you immediately notify PayPal if you have reason to believe any of the following activities have occurred: (i) there has been an unauthorised transaction sent from your Account; (ii) there has been unauthorised access to your Account; (iii) your password or PIN has been compromised; (iv) any device you have used to access the Services has been lost, stolen or deactivated, or (v) someone has transferred or may have transferred money from your Account without your permission (this includes where you link your Account with a third party platform (including a site or app) to initiate payments via that platform, but a payment was made from your Account for a transaction via that platform that you did not make) (collectively called “Improper Account Access”). You must also immediately notify us if you have reason to believe that any other error has occurred on your Account. In order for you to notify PayPal immediately of any of the above events, we strongly recommend that you monitor your Account closely on a regular basis. We will not seek to hold you liable for any unauthorised use of your Account by any person provided that we are satisfied that you have not acted deliberately so as to enable any third person to gain access to your PayPal ID and/or password/PIN or to your device while you are logged into the Services. We will hold you liable for unauthorised use of your Account if we have evidence that suggests: you acted deliberately so as to enable any third person to gain access to your PayPal ID and/or password/PIN; you acted fraudulently; or you have with intent or gross negligence failed to comply with your obligations to use your Payment Instrument in the manner set out in this Agreement.
661
66212.2 Notifying PayPal of Errors, Unauthorised Transactions and/or misappropriated or unauthorised use of your Payment Instrument. You must notify us if you believe there has been or will be an error, unauthorised transaction, misappropriated or unauthorised use of your Payment Instrument or your Account, by telephoning PayPal Customer Service at the telephone number shown on the PayPal website(s), contacting us using this report form or writing to PayPal, Attn: Error Resolution Department 22-24 Boulevard Royal L-2449, Luxembourg. If you initially provide information to us via the telephone, we may require that you send your query in writing within ten Business Days after the phone contact. Please complete the affidavit form and submit it online or mail it to PayPal, Attn: Error Resolution Department 22-24 Boulevard Royal L-2449, Luxembourg. You must give us all the information in your possession as to the circumstances of any errors, unauthorised transactions and/or misappropriated or unauthorised use of your Payment Instrument or Account and take all reasonable steps requested to assist PayPal in its investigation. We may provide third parties with information we consider relevant in such circumstances in accordance with our Privacy Policy (alternatively known as our Privacy Statement).
663
66412.3 Review of Reports of Errors. Without prejudice to your statutory rights, we will advise you of the results of our investigation within 20 Business Days after we receive your notice. If we have made an error, we will correct it promptly. If we need more time, however, we may take up to 60 Days to investigate your query. If we decide that we need more time, we may provisionally re-credit your Account for the amount you think is in error within ten Business Days after we receive your notice; so that you will have use of the E-money during the time it takes us to complete our investigation. If you initially provided information to us via the telephone and we do not receive your query in writing within ten Business Days after your oral notice, we will not provisionally re-credit your Account.
665
666At the end of our investigation, we will advise you of the results within three Business Days. If we determine that there was no error, we will send you a written explanation and we may debit any provisional credit that we previously credited to you in relation to the alleged error. You may ask for copies of the documents that we used in our investigation (and this will not attract the Records Request Fee set out in Schedule 1).
667
66812.4 Liability for Unauthorised Transactions. Without prejudice to your statutory rights, if you report that there has been an Improper Account Access related to your Account, and there is no evidence to suggest fraud or deliberate or grossly negligent behaviour by you, we will reimburse you in full for all unauthorised transactions sent from your Account provided that you have informed us of the Improper Account Access without undue delay and in any event, no later than 13 months after the first transaction arising from that Improper Account Access was executed. Where we believe in our reasonable opinion that further investigation is required to ascertain more clearly the circumstances surrounding the reported Improper Account Access, we will follow the same process as set out in section 12.3 above for such investigation
669
67012.5 Entitlement to a refund of a payment transaction made under an Authorisation. You are entitled to a refund of the full amount of any payment transaction executed under an Authorisation, provided the conditions applicable to a refund according to Section 4.8 have been met.
671
67212.6 Errors. If we discover a processing error, we will rectify the error. If the error resulted in your receiving less money than you were entitled to, PayPal will credit your Account for the difference. If the error results in you receiving more money than you were entitled to, PayPal may debit the extra funds from your Account. If a payment was made to your Funding Source by way of mistake, PayPal may correct the mistake by debiting or crediting (as the case may be) your appropriate Funding Source(s). If the error resulted in our not completing a transaction on time or in the correct amount, we will be liable to refund any amount as a result of carrying out a defective or non-executed payment transaction and for your losses or damages directly and reasonably foreseeably caused by this failure, unless:
673
674through no fault of ours, you did not have enough available funds to complete the transaction,
675our system was not working properly and you knew about the breakdown when you started the transaction, or
676circumstances beyond our control (such as fire or flood or loss of Internet connection) prevented the transaction, despite our reasonable precautions.
677Notwithstanding any other term of this Agreement, PayPal will not be held liable for the non-execution or defective execution of a payment transaction  if you have failed to notify PayPal about the issue without undue delay after becoming aware of the issue or in any event within 13 months after the debit date of the payment transaction.
678
679Back to top
680
68113. PayPal Buyer Protection
682
68313.1 What is PayPal Buyer Protection?
684
685PayPal Buyer Protection enables PayPal to make a final decision at its full and sole discretion on any problem raised by a buyer in respect of any purchase paid for using PayPal. The final decision may result in PayPal reimbursing the buyer for the amount of the payment made through PayPal for the purchase (up to the full price of the purchase and (where applicable) original postage costs) and the Payment Recipient bearing liability to PayPal for that reimbursement.
686
687PayPal Buyer Protection is neither a product warranty nor a service warranty. No guarantees are given. PayPal Buyer Protection does not affect your statutory rights against the Payment Recipient. Please also consider section 13.2 below (Is PayPal Buyer Protection right for me?).
688
689If you are a Payment Recipient, your liability under PayPal Buyer Protection may be covered by the Seller Protection Programme (please see section 11 for more details). Sometimes we may be able (but shall not be obliged) to waive your liability for the reimbursement for other reasons (at our full and sole discretion).
690
691Whether you are the buyer or Payment Recipient, you acknowledge that the Services may be used as a method of payment for a wide and complex variety of types of purchases, both online and offline. Accordingly and notwithstanding anything otherwise in this Agreement, you agree that PayPal may (but shall not be obliged to) at any time and for any reason at its full and sole discretion and without liability:
692
693make a final decision on any problem with a purchase raised by a buyer with a PayPal account registered anywhere in the world (whether under the PayPal Buyer Protection policy or User Agreement of the country of registration of that buyer’s PayPal Account or otherwise) in favour of the buyer or the Payment Recipient. The final decision will always be communicated in writing (which may be by email). In the event that PayPal makes a final decision on the problem in favour of the buyer or Payment Recipient, each party must comply with PayPal’s final decision; and
694waive the terms and conditions of coverage under PayPal Buyer Protection (whether stated in this Agreement or otherwise, including, without limitation, the conditions of reimbursement at section 13.4) at any time and for any reason, for the purpose of facilitating the resolution of any problem raised by a buyer relating to a purchase paid for using PayPal. As a non-exhaustive guide, this may include allowing reimbursement for Disputes or Claims raised outside of the timeframes set out in section 13.5 for certain purchases (typically purchases agreed to be delivered or performed outside of the timeframe set out in section 13.5), where we have reason to believe that the buyer did not have a reasonable opportunity within that timeframe to determine that there was a problem with that purchase.
695PayPal is not obliged to reimburse you for any costs that you incur to comply with any of PayPal’s requests for cooperation for the purpose of resolving the problem (including, without limitation, costs that you incur to return a SNAD item to the Payment Recipient or another party as PayPal requests), although sometimes it may reimburse these costs.
696
697If you sell or market to buyers in other countries, you should read the PayPal Buyer Protection policies of the countries in which your target buyers are based (the relevant PayPal Buyer Protection policies are available here and are also accessible via the “Legal” or “Legal Agreements” footer on most PayPal site pages) as these policies will apply to you as a Payment Recipient or seller.
698
69913.2 Is PayPal Buyer Protection right for me?
700
701The outcome of any decision made by PayPal under PayPal Buyer Protection might not always be suitable for your particular needs and you should carefully read this section 13 and consider your options before using PayPal to resolve a problem.
702
703If PayPal is contacted to resolve a problem, PayPal may require you to take an irreversible action to resolve the problem, which might make it no longer practicable in the circumstances for you to resolve the problem in another way. For example, PayPal may require you to return the item to the Payment Recipient under section 13.6.
704
705It may be more suitable for your particular needs and prospects to resolve your problem without involving PayPal. Below is a non-exhaustive list of ways of resolving your problem without involving PayPal.
706
707Resolve the problem directly with the Payment Recipient: Before contacting PayPal about a problem, you should contact the Payment Recipient directly to resolve the problem in accordance with the Payment Recipient’s return policy (if any) as stated on their sales listing, website or other sales literature. If you do this:
708the conditions for reimbursement at section 13.4 will still apply (including, without limitation, the timeframe for raising a Dispute set out in section 13.5b). It is your responsibility to keep track of these deadlines; and
709there is a risk that the Payment Recipient may require you to take certain actions that could cause you to fail to meet the conditions for reimbursement at section 13.4 (for instance, if (whether as part of the Payment Recipient’s return policy or otherwise) the Payment Recipient directs you (and you proceed) to post an item that you purchased to an address that does not correspond with our record of the Payment Recipient’s address, we may determine that you have not posted the item back to the Payment Recipient in compliance with section 13.6).
710
711If you are a Payment Recipient, as you may be liable for any reimbursement made by PayPal to the buyer, you acknowledge that it is in your interests to resolve directly with the buyer any problem with a purchase paid for through PayPal.
712Pursue your statutory/legal rights: You may wish to contact the European Consumer Centre (ECC-Net) at https://ec.europa.eu/info/live-work-travel-eu/consumers/resolve-your-consumer-complaint/european-consumer-centres-network_en for advice on your consumer rights and other legal rights (if you are a UK resident you can also contact the Citizens Advice Bureau by visiting https://www.adviceguide.org.uk).
713Pursue your card chargeback rights: You may pursue your chargeback rights with your card company or card issuer (if they apply), but if you do so at the same time as pursuing the resolution of your problem (whether through a Claim or Dispute) under PayPal Buyer Protection or if you seek a double recovery, PayPal may close your Dispute or Claim and/or hold you liable for the amount you have been reimbursed under PayPal Buyer Protection, and you will have to rely solely on your chargeback rights.
714Whichever way you attempt to resolve your problem, it may involve you taking an irreversible action, which could harm your prospects of resolving your problem in another way, so please consider your options carefully.
715
71613.3 What happens when PayPal makes a final decision in favour of the buyer…
717
718If am a buyer? If PayPal makes a final decision on your problem (including, without limitation, a Dispute or a Claim) in your favour, PayPal may (but shall not be obliged to) reimburse you for the amount of the payment made through PayPal for the purchase (up to the full price of the purchase and (where applicable) original postage costs). Please see section 13.4 (Conditions for reimbursement) for details of the conditions of reimbursement.
719
720If I am a Payment Recipient? If PayPal makes a final decision on the buyer’s problem in the buyer’s favour, you will be liable to PayPal for the amount that PayPal may reimburse to the buyer. PayPal shall not be obliged to refund your PayPal fees associated with the transaction or any other fees charged from your PayPal account by a third party associated with the transaction (such as the fees charged by a third party platform on which you make your sale). In some cases (for instance, if you lose a SNAD Claim because PayPal has reason to believe that the item you sold is counterfeit) you might not receive the item back (for instance, a competent authority may take control and/or possession of the item or it may be otherwise irreversibly dealt with).
721
72213.4 Conditions for reimbursement
723
724You may be reimbursed under PayPal Buyer Protection for a problem with a purchase only if all of the following requirements are met:
725
726Your purchase is an eligible purchase. Purchases of most goods and services are eligible (including travel tickets, intangible items such as rights of access to digital content and other licences), except for the following transactions:
727purchases of real estate (including, without limitation, residential property);
728purchases of any interest in a business (including, without limitation, any items or services forming part of a business or corporate acquisition);
729purchases of vehicles (including, without limitation, motor vehicles, motorcycles, caravans, aircraft and boats), except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards;
730payments on crowd-funding and/or crowd-lending platforms;
731purchases of custom made items (unless they are claimed to be Not Received);
732purchases of goods and services prohibited by the PayPal Acceptable Use Policy;
733purchases of industrial machinery used in manufacturing;
734purchases of items equivalent to cash (including, without limitation, stored value items such as gift cards and pre-paid cards);
735purchases of goods and services using Zong, Website Payments Pro or Virtual Terminal;
736Personal Transactions;
737gambling, gaming and/or any activity involving a chance to win a prize;
738payments made in respect of financial products and investments;
739payments to state-run bodies (except for state-owned enterprises) or traders acting on mandates received from state-run bodies;
740donations;
741purchases of items which you collect in person, or arrange to be collected on your behalf (including at a retail point of sale) and which you claim to be Not Received;
742payments made in respect of gold (whether in physical form or in exchange-traded form); and
743PayPal Mass Payment transactions.
744
745PayPal may at its sole discretion automatically close any Dispute or Claim you file which PayPal has reason to suspect is not related to an eligible purchase as outlined above.
746You sent the payment for your purchase from your PayPal Account to the Payment Recipient’s PayPal Account through the Send Money tab applicable to payments for goods and/or services on the PayPal website or app, or the Payment Recipient's PayPal checkout flow (including, without limitation, the PayPal Location Based Payments Functionality, if used by the Payment Recipient).
747Your problem is either that:
748you did not receive your purchase– “Not Received” (“NR”); or
749your purchase is “Significantly Not as Described” (“SNAD”). Further information on what we mean by “SNAD” is set out in section 13.8.
750
751If your problem is a transaction that you did not authorise (including, without limitation, a duplicate or incorrect payment when using the PayPal Location Based Payments Functionality), please see section 12 and visit the PayPal Security Centre at https://www.paypal.co.uk/security. You can report the problem via the PayPal Security Centre or here.
752You have followed the process described in section 13.5 (How do I resolve my problem?).
753You have not received a recovery for that purchase from another source.
754Your eligibility is not otherwise suspended.
755PayPal has made a final decision on your problem in your favour.
75613.5 How do I resolve my problem?
757
758Try to resolve your problem directly with the Payment Recipient
759
760Use reasonable endeavours to resolve the problem directly with the Payment Recipient. If you are still unable to resolve the problem, go to the Resolution Centre and follow steps b, c and d.
761Open a Dispute
762
763Open a Dispute within 180 days of the date on which you made the payment for the purchase you would like to dispute. We may refuse to accept any Dispute that you open in relation to that purchase after the expiry of that period (please be aware of this if you agree a delivery time of an item or performance of a service with the Payment Recipient that falls after the expiry of that period).
764Escalate the Dispute to a Claim
765
766If you and the Payment Recipient are unable to come to an agreement, escalate the Dispute to a Claim within 20 days of opening the Dispute. It is your responsibility to keep track of these deadlines.
767
768You must wait at least 7 days from the date of payment to escalate a Dispute for a purchase Not Received (NR), unless otherwise stated by PayPal..
769
770If you do not escalate the Dispute to a Claim within 20 days, PayPal may close the Dispute and you will not be eligible for a payment under the terms of PayPal Buyer Protection.
771
772In certain cases, PayPal may permit you to edit or change a Claim after filing only if you wish to add further information or if you wish to change the reason of your Dispute/Claim from “Not Received” to “Significantly Not as Described”. Otherwise you may not edit or change a Claim after filing it.
773Respond to PayPal’s requests in a timely manner
774
775Once a Dispute has been escalated to a Claim, PayPal may make a final decision on your problem in favour of the buyer or the Payment Recipient. Before (and for the purpose of) making a final decision on your problem, PayPal may request your cooperation in resolving the problem under section 13.6.
77613.6 Cooperating with PayPal to resolve the problem
777
778Whether you are the buyer or the Payment Recipient, for the purpose of resolving the problem, PayPal may request and require you to (and you shall in a timely manner): (i) provide documentary evidence (at your own expense, unless PayPal agrees otherwise) to support your position (including, without limitation, proof of delivery, receipts, third party evaluations and police reports); and (ii) take any other action that PayPal specifies. If you refuse to comply with PayPal’s requests, PayPal may make a final decision in favour of the other party.
779
780As a non-exhaustive guide, PayPal may request and require:
781
782the buyer to post back to the Payment Recipient, to PayPal or to a third party (as PayPal may direct) an item that the buyer claims is SNAD and to provide Proof of Delivery (as set out in section 11.9 above). Please take reasonable precautions in re-packing the item to reduce the risk of damage to the item during transit.
783the Payment Recipient to accept back the item sent to it by the buyer and refund the buyer the full purchase price plus original postage costs. If the Payment Recipient refuses to accept an item sent back to the Payment Recipient by the buyer at PayPal’s direction), PayPal may award the Claim in favour of the buyer, provided the buyer has provided satisfactory evidence to PayPal that the item was sent to the Payment Recipient at an address supplied to the buyer by PayPal during the Claim process.
784the buyer to reasonably cooperate with PayPal to ensure the proper and safe disposal of an item and to provide evidence of its disposal.
785the Payment Recipient to present evidence to PayPal in a timely manner that the Payment Recipient delivered to/performed for the buyer the purchase as agreed with the buyer, even where the purchase is not eligible for PayPal Buyer Protection under section 13.4.a. If the Payment Recipient does not present such evidence in a timely manner, PayPal may find in favour of the buyer. If the Payment Recipient presents such evidence in a timely manner, PayPal may find in favour of the Payment Recipient even if the buyer claims to have not received the purchase.
786If PayPal has reason to believe that returning an item that the buyer claims is SNAD to the Payment Recipient would result in a violation of applicable law, such as laws related to handling counterfeit items, PayPal may report the item to a competent authority. This may result in the authority taking control of and/or possession of the item from the buyer and the Payment Recipient might not receive the item back.
787
78813.7 What if my purchase is not eligible for re-imbursement under PayPal Buyer Protection?
789
790You may also look to resolve a problem directly with the Payment Recipient by filing a dispute through the PayPal Resolution Centre. To do so, you must file a Dispute in the PayPal Resolution Centre within 180 days of the date on which you sent the payment. Once you have done so, you should attempt to resolve the Dispute directly with the Payment Recipient. If your payment is not eligible under PayPal Buyer Protection, PayPal is not obliged to make a decision on the Claim.
791
79213.8 What is Significantly Not as Described (SNAD)?
793
794Your purchase is Significantly Not as Described if it is materially different from the last description of it that you received from the Payment Recipient before you paid for it (which, for exclusively online purchases, shall be taken to be the Payment Recipient’s description of the purchase in the relevant online listing) (“Purchase Description”). Here are some non-exhaustive examples:
795You received a completely different item. For instance, you purchased a book and received a DVD or an empty box or the software that you received was not the software that was sold to you.
796The condition of your purchase was misrepresented. For instance, the listing for an item said “new” and the item was used.
797Your purchase was advertised as authentic but is not authentic.
798Your purchase is missing major parts or features and the fact that these parts or features are missing was not disclosed in the listing.
799You purchased 3 items from a Payment Recipient but received only 2.
800Your purchase was damaged during postage.
801Your purchase is not Significantly Not as Described (SNAD) if it is not materially different from the Purchase Description. Here are some non-exhaustive examples:
802The defect in your purchase was correctly described by the Payment Recipient.
803Your purchase was correctly described but you didn't want it after you received it.
804Your purchase was correctly described but did not meet your expectations.
805The item that you purchased has minor scratches and was listed as used condition.
806An event you purchased tickets to was postponed.
80713.9 Assumption of rights
808
809If PayPal pays out a Claim, Reversal or Chargeback that you file against a recipient of your payment, you agree to transfer and allow PayPal to have your rights, benefits and remedies against the recipient of your payment. This is known in legal terms for you to agree to “subrogate” or otherwise “assign” to PayPal your rights against the recipient and third parties related to the payment, and agree that we may pursue those rights, benefits and remedies directly or on your behalf, in PayPal’s discretion.
810
81113.10 No Double Recovery
812
813You may not receive a recovery for a purchase under PayPal Buyer Protection if you additionally receive a recovery for that purchase directly from the Payment Recipient or another third party.
814
81513.11 Event tickets
816
817In certain cases, if you purchase a ticket or pay for the right to attend an event from a Payment Recipient who is a UK registered PayPal Account holder (“Event”), all monies paid by you may be held by PayPal on trust for you, so that the beneficial interest in such monies remains with you until the performance of the Event in question.
818
819Back to top
820
82114. Disputes with PayPal
822
82314.1 Contact PayPal First. If a dispute arises between you and PayPal, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and PayPal regarding our Services may be reported to Customer Service online via the "Email Us" link on the "Contact Us" page at any time, or by calling the Customer Service telephone number located on the PayPal website(s) and by logging into your Account.
824
82514.2 ECC-Net, Financial Ombudsman Service and CSSF. If you have a complaint to make about us, you may choose to escalate it by contacting one of the following:
826
827European Consumer Centre (ECC-Net). You may obtain further information regarding the ECC-Net and how to contact them at (https://ec.europa.eu/info/live-work-travel-eu/consumers/resolve-your-consumer-complaint/european-consumer-centres-network_en).
828UK Financial Ombudsman Service (FOS). For UK resident Users only - the FOS is a free, independent service, which might be able to settle a complaint between you and us. You may obtain further information regarding the FOS and contact the FOS at http://www.financial-ombudsman.org.uk or by visiting the EU’s Online Dispute Resolution site at https://ec.europa.eu/consumers/odr.
829Commission de Surveillance du Secteur Financier (CSSF). The CSSF is the authority responsible for the prudential supervision of companies in the financial sector in Luxembourg. You can contact the CSSF at 283 Route d’Arlon, L-1150 Luxembourg. You may obtain further information regarding the CSSF and how to contact them at: http://www.cssf.lu or by visiting the EU’s Online Dispute Resolution site at https://ec.europa.eu/consumers/odr.
830Back to top
831
83215. General
833
83415.1 Governing Law and Jurisdiction. This Agreement and the relationship between us shall be governed by the laws of England and Wales, subject to your local mandatory rights. For complaints that cannot be resolved otherwise, you submit to the non-exclusive jurisdiction of the courts of England and Wales arising out of or relating to this Agreement or the provision of our Services without prejudice to your right to also initiate a proceeding against PayPal in that context before the competent courts of and in Luxembourg. In simple terms, “nonexclusive jurisdiction of the courts of England and Wales” means that if you were able to bring a claim arising from this Agreement against us in Court, an acceptable court would be a court located in England or Wales, but you may also elect to bring a claim in the court of another country instead.
835
83615.2 No Waiver. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.
837
83815.3 Limitations of Liability. We shall only be liable to you for loss or damage caused directly and reasonably foreseeable by our breach of this Agreement and our liability in these circumstances is limited as set out in the remainder of this section.
839
840In no event shall we, the other companies in our corporate group, persons who act on our behalf, and/or the persons we enter into contracts with be liable for any of the following types of loss or damage arising under or in relation to this Agreement (whether in contract, tort (including, without limitation, negligence) or otherwise:
841any loss of profits, goodwill, business, contracts, revenue or anticipated savings even if we are advised of the possibility of such damages, loss of profits, goodwill, business, contracts, revenue or anticipated savings; or
842any loss or corruption of data; or
843any loss or damage whatsoever which does not stem directly from our breach of this Agreement; or.
844any loss or damage whatsoever which is in excess of that which was caused as a direct result of our breach of this Agreement (whether or not you are able to prove such loss or damage).
845Nothing in this Agreement shall limit our liability resulting from our fraud or fraudulent misrepresentation, gross negligence, wilful misconduct, for death or personal injury resulting from either our or our subcontractor’s negligence or to the extent such limitation or exclusion is not permitted by applicable law.
84615.4 No Warranty. We provide to you the Services, our infrastructure, our websites, our software, and systems (including any networks and servers used to provide any of the PayPal services) whether operated by us or on our behalf subject to your statutory rights but otherwise without any warranty or condition, express or implied, except as specifically stated in this Agreement. PayPal does not have any control over the products or services that are paid for with our Service and PayPal cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction or is authorised to do so. PayPal does not guarantee continuous, uninterrupted or secure access to any part of our Services, our infrastructure, our websites, our software, and systems (including any networks and servers used to provide any of the PayPal services) whether operated by us or on our behalf. We shall not be liable for any delay in the failure in our provision of the Services, our infrastructure, our websites, our software, and systems (including any networks and servers used to provide any of the PayPal services) whether operated by us or on our behalf. You acknowledge your access to the Services, our infrastructure, our websites, our software, and systems (including any networks and servers used to provide any of the PayPal services) whether operated by us or on our behalf,may be occasionally restricted to allow for repairs, maintenance or the introduction of new facilities or services. PayPal will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts and debit and credit cards are processed in a timely manner. We make every effort to ensure that the information contained in our correspondence, reports, on the website(s) and given verbally by our directors, officers and staff is accurate to the best of our belief at the time the information is provided. However, we cannot guarantee the accuracy of all such information in all circumstances and contexts, and no reliance should be placed on such information by you. You must check all correspondence between us carefully and tell us as soon as possible if it includes something which appears to you to be wrong or not made in accordance with your instructions.
847
848In the event that PayPal decides to discontinue any of the PayPal services or any portion or feature of the PayPal services for any reason, PayPal will give you at least two (2) months’ prior notice before discontinuing the service or feature, unless PayPal determines in its good faith judgement that: (1) such service or feature must be discontinued sooner as required by law or a third party relationship; or (2) doing so could create a security risk or substantial economic or material technical burden.
849
850You alone are responsible for understanding and complying with any and all laws, rules and regulations of your specific jurisdiction that may be applicable to you in connection with your use of the Services, including but not limited to, those related to export or import activity, taxes or foreign currency transactions.
851
85215.5 Indemnification/re-imbursement. You agree to defend, reimburse or compensate us (known in legal terms to “indemnify “) and hold PayPal, our other companies in our corporate group, the people who work for us or who are authorised to act on our behalf (including, without limitation, our service providers) harmless from any claim or demand (including legal fees) made or incurred by any third party due to or arising out of your or your employees' or agents' (or, where a third party otherwise acts on your behalf with your permission, that third party’s) actions and/or inactions, breach of this Agreement, breach of any law, breach of the rights of a third party, use of your PayPal account and/or use of the Services, our infrastructure, our websites, our software and our systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf.
853
85415.6 Complete Agreement and third party rights. This Agreement (including any Schedule) sets forth the entire understanding between you and PayPal with respect to the Service. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall be enforced. A person who is not a party to this Agreement has no rights under the Contracts (Rights of Third Parties) Act 1999 to rely upon or enforce any term of this Agreement (except for the PayPal Group in respect of their rights as specified in this Agreement) but this does not affect any right or remedy of third parties which exists or is available apart from that Act.
855
85615.7 Intellectual Property – Software Licence grant. If you are using PayPal software such as an API, developer’s toolkit or other software application , which may include software provided by or integrated with software, systems or services of our service providers, that you have downloaded to or otherwise accessed through your computer, device, or other platform then PayPal and its licensors grant you a revocable non-exclusive, non-sublicensable, non-transferable, royalty-free and limited license to access and/or use PayPal’s software in accordance with the documentation, including all updates, upgrades, new versions and replacement software, as described herein for your personal use only. You may not rent, lease or otherwise transfer your rights in the software to a third party. You must comply with the implementation, access and use requirements contained in all documentation, together with any instructions provided by us from time to time accompanying the Services (including, without limitation, any implementation and use requirements we impose on you to comply with applicable laws and card scheme rules and regulations). If you do not comply with PayPal’s instructions, implementation and use requirements you will be liable for all resulting damages suffered by you, PayPal and third parties. PayPal may update or discontinue any software upon notice to you. While PayPal may have (1) integrated certain third party materials and technology into any web or other application, including its software, and/or (2) accessed and used certain third party materials and technology to facilitate providing you with the Services, you have not been granted and do not otherwise retain any rights in or to any such third party materials. You agree not to modify, alter, tamper with, repair, copy, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code which is derived from the software or any third party materials or technology, or otherwise create any derivative works from any of the software or third party materials or technology. You acknowledge that all rights, title and interest to PayPal’s software are owned by PayPal and any third party materials integrated therein are owned by PayPal’s third party service providers. Any other third party software application you use on the PayPal website is subject to the license you agreed to with the third party that provides you with this software. You acknowledge that PayPal does not own, control nor have any responsibility or liability for any third party software application you elect to use on any of our websites, software and/or in connection with the Services. If you are using the Services on the PayPal website, or other website or platform hosted by PayPal, or a third party, and are not downloading PayPal’s software or using third party software applications on the PayPal website, then this section does not apply to your use of the hosted Services.
857
85815.8 Intellectual Property – Content Licence Grant.
859
860a. Licences granted by PayPal
861
862Logo and Service identifiers: The URLs representing the PayPal website(s), “PayPal,” and all related logos of our products and services described in our website(s) are either copyrighted by PayPal, trademarks or registered trademarks of PayPal or its licensors. In addition, all page headers, custom graphics, button icons, and scripts are either copyrighted by PayPal, service marks, trademarks, and/or trade dress of PayPal. You may not copy, imitate, modify, alter, amend or use them without our prior written consent. You, as a merchant, may use HTML logos provided by PayPal through our merchant services, auction tools features or affiliate programmes without prior written consent for the sole purpose of identifying yourself on your website as a merchant who accepts payments through the Service and directing web traffic from that website to the Service, but we may limit or revoke this permission at any time and for any reason in our sole discretion. You may not alter, modify or change these HTML logos in any way, use them in a manner that is disparaging to PayPal or the Service or display them in any manner that implies PayPal’s sponsorship or endorsement. All right, title and interest in and to the PayPal website and any content thereon is the exclusive property of PayPal and its licensors.
863
864b. Licences granted by you
865
866Your business-related intellectual property: You grant the PayPal Group the worldwide right to use and depict your business name, trademarks and logos on our website and in our mobile and web applications for the purpose of displaying information about your business and its products and services.
867
868Your content: When providing us with content or posting content (in each case for publication, whether on- or off-line) using the Services, you grant the PayPal Group a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sublicensable (through multiple tiers) right to exercise any and all copyright, publicity, trademarks, database rights and intellectual property rights you have in the content, in any media known now or in the future. Further, to the fullest extent permitted under applicable law, you waive your moral rights and promise not to assert such rights against the PayPal Group, its sublicensees or assignees. You represent and warrant that none of the following infringe any intellectual property right: your provision of content to us, your posting of content using the Services, and the PayPal Group’s use of such content (including of works derived from it) in connection with the Services.
869
87015.9 Third Party Permissions.
871
872a. Permissions in general. You may expressly grant, remove and manage permissions for some third parties to take certain actions on your behalf. In some cases you can do this by logging into your Account – in other cases you can do this directly with the third party. You acknowledge that if you grant permission for a third party to take actions on your behalf, PayPal may disclose certain information about your PayPal Account to this third party.
873
874b. Using licensed third-party services to access your Account information
875
876If you permit either:
877
878a third-party service provider licensed by applicable law to provide account information services (“AIS Provider”) to access information about your Account on your behalf; or
879a third party card issuer to confirm whether an amount necessary for the execution of a card-based payment transaction is available on your PayPal Account,
880
881then:
882this Agreement (including, without limitation, section 2.3) will still apply to you and your access to that information using the AIS Provider or card issuer; and
883you are liable to PayPal:
884for the actions that you authorise the AIS Provider or card issuer to take on your behalf; and
885under section 15.9.d (Your liability regarding any permissions you grant),
886subject to your mandatory legal rights and section 12 (Errors and Unauthorised Transactions).
887
888c. Using licensed third party services to initiate your payment
889
890If you permit a third party service provider licensed by law to provide payment initiation services (“PIS Provider”) to initiate your payment on your behalf then:
891
892this Agreement (including, without limitation, sections 4.1 to 4.6 inclusive and 4.10) will still apply to you and your payment initiated by the PIS Provider; and 
893you are liable to PayPal:
894for the actions that you authorise the PIS Provider to take on your behalf; and
895under section 15.9.d (Your liability regarding any permissions you grant),
896subject to your mandatory legal rights and section 12 (Errors and Unauthorised Transactions).
897
898d. Your liability regarding any permissions you grant.
899
900Granting permission to any third party in any way does not relieve you of any of your responsibilities under this Agreement. You acknowledge and agree that you will not hold PayPal responsible for, and will indemnify PayPal from, any liability arising from the actions or inactions of this third party in connection with the permissions you granted.
901
90215.10 PayPal as Login Method. If you use PayPal as means of logging into external websites or mobile apps, we may share your login status with any third party offering this Service as a login method, as well as the personal and other Account information that you consent to being shared so that the third party can recognise you. PayPal will not give such third party access to your PayPal Account and will only make payments from your Account to that third party with your specific authorisation.
903
904If you offer this Service as a means for visitors to log into your website, app, or otherwise for your customer accounts, you must agree to any specific terms applicable when this functionality is made available to you, and comply with any specifications in any integration manual or guideline. PayPal does not guarantee or otherwise represent the identity of any user of this login method. PayPal will not share with you the personal and other Account information of the user (including login status) held by PayPal unless the user has consented to our disclosure of that information to you.
905
90615.11 Corporate customers. If you are not a consumer, (being an individual acting for purposes other than a trade, business or profession) Micro-Enterprise or a charity with an annual income of less than 1 million GBP, we consider you to be a “Corporate Customer” and certain provisions of PSD2 may be disapplied for your use of the Service. In such cases you warrant and represent to PayPal that at the time you entered into this Agreement or any other relevant service terms, you are a Corporate Customer and hereby agree that the following sections of this Agreement will be varied as follows:
907
908you are not entitled to the right to a refund for Pre-approved Payments (e.g. payment transactions initiated by a payee (i.e. a merchant)) as set out in sections 4.8 and 12.5;
909where you identify an error, unauthorised transaction and/or misappropriated or unauthorised use of your Payment Instrument or Account in accordance with sections 12.1 and 12.2 you have up to 60 days from the date of the alleged error or Improper Account Access to notify us of it, after which time we have no obligation to investigate or act upon your notification;
910we will only accept liability for unauthorised transactions in accordance with section 12.4 where you have notified us of the Improper Account Access or error within 60 days of it; and
911you will only be entitled to lodge a claim through the UK Financial Ombudsman Service under section 14.2 where you fulfil the UK Financial Ombudsman Service's claimant criteria from time to time.
912As a Corporate Customer, you further agree that while we may do so, we are not obliged to comply with nor provide you with information according to the information requirements set out in Title III of PSD2 and their equivalents in any implementation of PSD2 in member states of the EU or EEA that may apply to you (“PSD2 transpositions”). Further, you agree that articles 72 and 89 of PSD2 and equivalent provisions in PSD2 transpositions do not apply to your use of the PayPal Service, meaning that, notwithstanding any other provision of this Agreement, we are not liable to you for the losses or damage you may suffer as a result of the matters referred to in Title III and articles 72 and 89 of PSD2 and equivalent provisions in PSD2 transpositions.
913
914Back to top
915
91616. Definitions
917
918“Account” or “PayPal Account” means a Personal, Business or Premier Account.
919
920“Add Funds” means the process and/or functionality available in your Account interface allowing you to initiate the addition of funds to your Balance from your bank account.
921
922“Agreement” means this agreement including all subsequent amendments.
923
924“AIS Provider” has the meaning given in section 15.9.b.
925
926"Authorise” or “Authorisation” means where you authorise a merchant or other third party to collect a payment from your Account (and “Authorised” shall be interpreted accordingly).
927
928“Balance” means any E-money that you have in your PayPal Account.
929
930“Bank Confirmation process” is a verification process which PayPal may require you complete in order to lift sending, receiving or withdrawal limits or get Verified, involving PayPal sending two small deposits to your bank account. To complete the Bank Confirmation process you will be required to enter the details of the deposits sent to you via your Account. You can find more information about the Bank Confirmation process in the PayPal Help Centre which is located on the PayPal website. “Bank Funded Payment” means a payment that is fully funded using your bank account (as the case may be).
931
932“Business Account” means an Account used primarily for business purposes and not for personal, family, or household purposes.
933
934“Business Days” means a day (other than a Saturday or Sunday) on which banks in Luxembourg are open for business (other than for the sole purpose of 24-hour electronic banking).
935
936“buyer” means a User who is buying goods and/or services and using the Services to send payment.
937
938“calendar year” means 1 January to 31 December inclusive in any year.
939
940“Card Processing Agreement” means the 'Commercial Entity Agreement' that commercial entities are required to enter into directly with PayPal’s payment processor(s).
941
942“Change” has the meaning given in section 1.6.
943
944“Chargeback” means a challenge to a payment that a buyer files directly with his or her credit card issuer or company.
945
946“Claim” means a challenge to a payment that a sender of a payment files directly with PayPal, including, without limitation, challenges filed under PayPal Buyer Protection set out in section 13.
947
948“Commercial Transaction” has the meaning given to it at A4.1 of Schedule 1 Table of Fees.
949
950“Credit Card Withdrawal Region” means any of the following: Italy, Luxembourg, Lithuania, Bulgaria, San Marino, Slovakia, Latvia, Romania, Cyprus, Slovenia, Estonia, Malta, Gibraltar and Liechtenstein (and such other regions which PayPal may display on its website(s) from time to time).
951
952“Cross Border” when used for the purpose of calculating transaction fees, has the meaning given to it at A4.4 of Schedule 1 Table of Fees.
953
954“Customer Service” is PayPal’s customer support which can be accessed online via the “Email Us” link on the "Contact Us" page or by calling the customer service number located on the PayPal website(s).
955
956"data controller" (or simply "controller" for the purpose of section 5.7 only), "data processor" (or simply "processor" for the purpose of section 5.7 only) and "data subject" have the meanings given to those terms under the Data Protection Laws.
957
958“Data Protection Laws” means EU Directive 95/46/EC or Regulation (EU) 2016/679 (the latter being commonly known as the EU General Data Protection Regulation) and any associated regulations or instruments and any other data protection laws, regulations, regulatory requirements and codes of practice applicable to the provision of the PayPal Services, such as PayPal’s internal Binding Corporate Rules.
959
960“Days” means calendar days.
961
962“Default Funding Sources” means, where you have not selected a Preferred Funding Source, the Funding Sources used in the order set out in section 3.7.
963
964“Dispute” means a dispute filed directly with PayPal in the Resolution Centre pursuant to section 13 of this Agreement.
965
966“Domestic” when used for the purpose of calculating payment fees, has the meaning given to it at A4.3 of Schedule 1 Table of Fees.
967
968“eBay” means eBay, Inc. and its affiliates (as the case may be).
969
970“eCheque” means a type of payment from your bank account to your Balance (the execution of which is your bank’s responsibility) to cover a consequential payment that you instruct us to send to another User, where the proceeds of the payment from your bank account are held by PayPal until the NSF Risk passes before the other User receives the consequential payment pursuant to section 3.3.
971
972“E-money” means monetary value, as represented as a claim on PayPal, which is stored on an electronic device, issued on receipt of funds, and accepted as a means of payment by persons other than PayPal. The terms “E-money”, “money” and “funds” are used interchangeably in this Agreement. Further, a reference to a payment made by via the Services refers to an E-money payment.
973
974“Europe I” has the meaning given to it at A4.4 of Schedule 1 Table of Fees.
975
976“Europe II” has the meaning given to it at A4.4 of Schedule 1 Table of Fees.
977
978“European Economic Area” or “EEA” means the countries in the European Union plus Iceland, Norway and Liechtenstein.
979
980“Event” has the meaning given in section 13.11.
981
982“Fees” means those amounts stated in Schedule 1 to this Agreement.
983
984“Full Programme User” means a User with a PayPal Account registered in the UK or any Relevant Country.
985
986“Funding Source” means the external payment method used to automatically obtain E-money in your Balance for payment transactions using PayPal. The following payment methods may be used to fund Balance for a payment transaction: Bank Account - Instant Transfer, Bank Account - eCheque, credit card and debit card (including, in certain cases, pre-paid card).
987
988“Improper Account Access” has the meaning given to it at section 12.1.
989
990“Information” means any confidential and/or personally identifiable information or other information related to an Account or User, including but not limited to the following: name, email address, post/shipping address, phone number and financial information.
991
992“Instant Transfer” means a payment funded from the sender’s bank account in which PayPal credits the recipient instantly.
993
994“Link and Confirm Card process” is a verification process which PayPal may require you to complete in order to lift sending. receiving or withdrawal limits or get Verified, involving PayPal charging you a “Credit Card and Debit Card Link and Confirmation Fee” to your card. You must then log into your Account and enter the four-digit expanded use number which will appear on your credit card statement and which is associated with the Credit Card and Debit Card Link and Confirmation Fee (see Schedule 1). You can find more information about the Link and Confirm Card process in the PayPal Help Centre which is located on the PayPal website.
995
996“Mass Payments” (alternatively known as “Payouts”) means the functionality that enables multiple payments to be sent at the same time. Receipt by us of a Mass Payments batch file from you is, subject to section 4.1, receipt of your Payment Order for the purpose of this Agreement.
997
998“Merchant Processing Delay” means a delay between the time you authorise a payment and the merchant processes your payment.
999
1000“Micro-Enterprise” means an enterprise which employs fewer than 10 persons and has an annual balance sheet that does not exceed 2 million Euros.
1001
1002“Northern Europe” has the meaning given to it at A4.4 of Schedule 1 Table of Fees.
1003
1004“Not Received” means a challenge from a buyer claiming that the purchase was not received.
1005
1006“NSF Risk” means the risk that a bank may reverse a bank funded payment due to the reason that there were insufficient funds in the bank account to make the payment.
1007
1008“Payment Account” has the meaning given to it at the introduction of this Agreement.
1009
1010“Payment Instrument” means any or all of the procedures, instructions or requirements which are set out in the PayPal website(s) and which allow Users to access and/or use the PayPal Service.
1011
1012“Payment Order” means an instruction validly made by you to us requesting the execution of a payment transaction.
1013
1014“Payment Recipient” has the meaning given to it in section 11.1.
1015
1016"Payment Review" means the process described in section 4 of this Agreement.
1017
1018“PayPal,” “we,” “us” or “our” means PayPal (Europe) S.à.r.l. et Cie, S.C.A. with registered head office at 22-24 Boulevard Royal L-2449, Luxembourg and includes its successors and any person to whom it has assigned its rights under this Agreement.
1019
1020“PayPal Business Payment” has the meaning given to it at A3.12 of Schedule 1 Table of Fees.
1021
1022“PayPal Buyer Protection” means the PayPal Buyer Protection programme as described in section 13.
1023
1024“PayPal Credit” means the PayPal branded personal online revolving credit account which can be used to fund payments from your Account.
1025
1026“PayPal Group” means PayPal Holdings Inc., and its subsidiaries and subsidiary undertakings and affiliates (which includes, without limitation, PayPal) as the case may be.
1027
1028“PayPal Location Based Payments Functionality” means the PayPal POS Functionality within the PayPal Mobile App that enables a User to pay another User (typically a merchant) for goods and services, by which the paying User selects and thereby Authorises the other User (i.e. the merchant) to receive a payment. PayPal Location Based Payments Functionality may be otherwise referred to as “PayPal Check in” or “Check in to pay”.
1029
1030“PayPal Mobile App” means the application on a mobile device that enables a User to carry out certain PayPal Account transactions using that mobile device.
1031
1032“PayPal POS Functionality” means any functionality provided by PayPal that enables a User to receive payment for goods and services in that User’s PayPal account, where that User commences the fulfilment of the relevant transaction exclusively at a physical point of sale (for example, in store).
1033
1034“PayPal website(s)” means any URL, such as www.paypal.co.uk, that we provide the Services to you.
1035
1036“Personal Account” means an Account used primarily for personal, family, or household purposes.
1037
1038"personal data" has the meaning given to it under the Data Protection Laws.
1039
1040“Personal Transaction” has the meaning given to it at A4.2 of Schedule 1 Table of Fees.
1041
1042“PIS Provider” has the meaning given in section 15.9.c.
1043
1044“Policy” or “Policies” means any Policy or other agreement between you and PayPal that you entered into on the PayPal website(s), or in connection with your use of the Services.
1045
1046“Policy Update” means a prior notice of Changes which PayPal may make available to you in writing.
1047
1048“Pre-approved Payment” means a payment made by you using the Service on the basis of a Payment Order received by PayPal from you via an third party Authorised by you (for example, a store or other trader you intend to pay for your purchase). This type of payment is also known as an Automatic Payment.
1049
1050“Preferred Funding Source” means a Funding Source that you select to fund a payment instead of using the Default Funding Sources.
1051
1052“processing” (and its derivative terms) for the purpose of section 5.7 only has the meaning given to it under the Data Protection Laws.
1053
1054“PSD2” has the meaning given to it in the second paragraph of this Agreement.
1055
1056“Relevant Countries” means the UK, Rest of EU, Liechtenstein and San Marino.
1057
1058“Reserve” means an amount or percentage of the funds received into your Account that we hold in order to protect against the risk of Reversals, Chargebacks, Claims or any other risk, exposure and/or liability related to your Account and/or use of the Services.
1059
1060“Reserve Account” has the meaning given to it in the introduction to this Agreement.
1061
1062“Resolution Centre” means the PayPal Resolution Centre which can be accessed via the “My Account” tab when you are logged into your Account or by any other means as PayPal may from time to time make available.
1063
1064“Rest of EU” means those countries in the European Union in which the PayPal Service is made available other than: Austria, Belgium, Croatia, Denmark, Finland, France, Germany, Italy, Luxembourg, The Netherlands, Poland, Portugal, Spain, Sweden and the UK.
1065
1066“Restricted Activities” means those activities described in section 9 of this Agreement.
1067
1068“Reversal” means a payment that you received which PayPal may reverse to the sender or another third party because the payment: (a) has been challenged by a buyer directly with their bank; and/or (b) has been removed from your Balance for any reason (other than a Chargeback or Claim pursuant to PayPal Buyer Protection), including, without limitation where (i) the payment violates our Acceptable Use Policy or we reasonably suspect that the payment violates our Acceptable Use Policy; or (ii) the payment amount was not authorised by the sender with the relevant third party in connection with a valid third party initiated payment authorisation (see section 4.8); or (iii) the payment was funded by a bank transfer that was subsequently reversed by the bank for any reason; and/or (c) has been categorised by PayPal’s internal risk modelling as a risky payment required to be reversed to mitigate the risk associated with the payment. The term “Reversed” shall be construed accordingly.
1069
1070“seller” and “merchant” are used interchangeably and mean a User who is selling goods and/or services and using the Services to receive payment.
1071
1072“Send Money” means your ability to send money though the Service.
1073
1074“Services” means all products, services, content, features, technologies or functions offered by PayPal and all related sites, applications, and services.
1075
1076“Significantly Not as Described” means the definition provided in section 13.8 of this Agreement.
1077
1078“Special Funding Arrangements” has the meaning given to it in section 3.5.
1079
1080“Transaction Risk” means the risk of PayPal’s position being adversely affected with respect to any liability of yours to PayPal or any third party relating to any Commercial Transaction payment (including, without limitation, (i) the risk relating to any Dispute, Claim, Chargeback, Reversal, fees, fines or penalties, (ii) the risk of a seller not performing a contract with its buyers, (iii) a risk that arises if you sell an item that you do not immediately deliver upon receipt of payment and (iv) the risk of any other liability being incurred by PayPal (or any third party) related to the payment in question), in each case whether actual, anticipated by PayPal or believed by PayPal to exist. Transaction Risk includes, without limitation, (a) in the case of event or concert ticket sales, the risk that exists until the event or concert has taken place and, (b) in the case of transactions relating to travel, the risk that exists until the travel-related goods and services have been provided. You may be notified from time to time about other specific circumstances where Transaction Risk arises (or is deemed to have arisen) for the purpose of this Agreement.
1081
1082“Unauthorised Payment” means a challenge from a buyer claiming that he or she did not make the payment, and that the person who made the payment was not authorised.
1083
1084“Unique Identifier” means (1) for the purpose of sending a PayPal payment: the e-mail address, mobile phone number or other identifier we may notify to you which is registered to a PayPal Account in good standing; or (2) for withdrawing funds from your Account: your bank account (eg IBAN or Sort Code and bank account number) or credit card identification details (eg card number and CVV2 Code).
1085
1086“United Kingdom” or “UK” means the United Kingdom of Great Britain and Northern Ireland.
1087
1088“User,” “you” or “your” means you and any other person or entity entering into this Agreement with us or using the Service.
1089
1090“Verified” means that you have completed our verification process in order to help establish your identity with PayPal.
1091
1092Back to top
1093
1094Schedule 1. Table of Fees
1095
1096 
1097
1098You agree that we may deduct our Fees from the amounts we transfer but before those funds are credited to your Account.
1099
1100When you send or receive a payment, Fees apply depending on:
1101
1102the type of transaction the payment relates to (whether a Commercial Transaction, Personal Transaction or otherwise); and
1103whether that payment is Cross Border or Domestic and/or which Funding Source is used fund the payment .
1104Fees apply for other account activity or events as outlined in this Agreement.
1105
1106See the Glossary at A4 of this Schedule 1 for further reference.
1107
1108Quoted Fees are inclusive of all applicable taxes; however, other taxes or costs may exist that are not paid through PayPal or imposed by us. You are liable for telephone charges and any charges made by your internet service provider or similar or associated charges as a result of the use by you of the Services.
1109
1110We will provide you with the details of the amounts you receive and our charges either by e-mail or in your transaction history (which you can access by logging into your Account). Unless it is proven that we have made a mistake, all fees are payable by you without set off or other deductions. We may make a charge for any additional services we provide outside this Agreement. We will tell you of those charges when you ask for the service.
1111
1112 
1113
1114A1. Personal Transaction payment Fees
1115
1116Note that the sender pays the Fee. Please see A4.2.3 of this Schedule 1 for more information.
1117
1118The Personal Transaction payment Fee will be shown at the time of payment. 
1119
1120Where there is stated to be a percentage-based Fee and/or Fixed Fee component, please refer to A4.5, A4.6 and A4.7 of this Schedule 1 for more details.
1121
1122A1.1 Domestic Personal Transaction payment Fees
1123
1124Activity
1125
1126Fee 
1127
1128Sending  a Domestic Personal Transaction payment	
1129Free (when no currency conversion is involved)
1130
1131 
1132
1133A1.2 Cross Border Personal Transaction payment Fees
1134
1135A1.2.1 Cross Border Personal Transaction payments sent to the EEA in Euro or Swedish Krona
1136
1137Activity
1138
1139Fee.
1140
1141Sending  a Cross Border Personal Transaction payment to the EEA in Euro or Swedish Krona
1142
1143Free (when no currency conversion is involved)
1144
1145 
1146
1147A1.2.2 Other Cross Border Personal Transaction payments
1148
1149A1.2.2.1 Sent by Users with their registered address in the UK, Jersey, Guernsey, Isle of Man or Gibraltar
1150
1151To determine the Fee for a Cross Border Personal Transaction payment sent to a User in a specific country, please follow the steps below.
1152
1153Step 1. Find the country or country group in which the recipient’s registered address is located.  See A4.4 of this Schedule 1 for further reference. Ask the recipient if you are not sure (second column).
1154
1155Step 2. Find the applicable Fee based on the amount you are sending (third to fifth columns inclusive).
1156
1157Activity
1158
1159Country of recipient’s Account
1160
1161Fee ^^ for transaction amounts of:
1162
11630.00 - 49.99 GBP
1164
1165† 
1166
116750.00 - 99.99 GBP
1168
1169†
1170
1171 
1172
1173100.00+ GBP
1174
1175†
1176
1177Sending a Cross Border Personal Transaction payment
1178
1179US, Canada, Northern Europe, Europe I, Europe II
1180
1181 
1182
1183 
1184
11850.99 GBP
1186
11871.99 GBP
1188
11891.99 GBP
1190
1191Any other country^
1192
11930.99 GBP
1194
1195 
1196
1197 
1198
11991.99 GBP
1200
1201 
1202
1203 
1204
12053.99 GBP
1206
1207 
1208
1209 
1210
1211† If the transaction is funded in a currency other than GBP, we will rate it according to the equivalent amount in GBP, calculated using the prevailing base exchange rate pursuant to section 8.2.
1212
1213A1.2.2.2 Sent by Users with their registered address in Ireland
1214
1215To determine the Fee for a Cross Border Personal Transaction payment sent to a User in a specific country, please follow the steps below.
1216
1217Step 1. Find the country in which the recipient’s registered address is located.  Ask the recipient if you are not sure (second column).
1218
1219Step 2. Find the applicable Fee (third column).
1220
1221Activity
1222
1223Country of recipient’s Account
1224
1225Fee
1226
1227^^
1228
1229Sending a Cross Border Personal Transaction payment
1230
1231Germany
1232
12332.0%
1234
1235Australia, Canada, Poland, US
1236
12371.0%
1238
1239Japan
1240
12410.3%
1242
1243China, Hong Kong, Singapore, Taiwan
1244
12450%
1246
1247Any other country^
1248
12490.5%
1250
1251On further immediate notice published by PayPal on the Policy Updates page (accessible via the Legal footer on most PayPal site pages) on or after 11 December 2018 (as PayPal may determine in its sole discretion),the Fees set out in section A1.2.2.3 shall apply to Users registered in Ireland instead of the Fees set out in this section A1.2.2.2.
1252
1253A1.2.2.3 Sent by Users with their registered address in other Relevant Countries
1254
1255To determine the Fee for a Cross Border Personal Transaction payment sent to a User in a specific country, please follow the steps below.
1256
1257Step 1. Find  the country or country group in which the recipient’s registered address is located. See A4.4 of this Schedule 1 for further reference. Ask the recipient if you are not sure (second column).
1258
1259Step 2. Find the applicable Fee (third column).
1260
1261Activity
1262
1263Country of recipient’s Account
1264
1265Fee
1266
1267^^
1268
1269Sending a Cross Border Personal Transaction payment
1270
1271US, Canada, Northern Europe, Europe I, Europe II
1272
1273 
1274
12751.99 EUR
1276
1277Any other country^
1278
12793.99 EUR
1280
1281 ^ Subject to service availability for the recipient registered in the given country.
1282
1283^^ See section A4.7 of this Schedule 1 below.
1284
1285 
1286
1287A2. Commercial Transaction payment Fees
1288
1289Where there is stated to be a Fixed Fee component, please refer to A4.6 of this Schedule 1 for more details.
1290
1291Activity or Event
1292
1293Fee
1294
1295A2.1 Sending (Buying)
1296
1297Free (when no currency conversion is involved)
1298
1299A2.2 Receiving Domestic payments (Selling)
1300
1301A2.2.1 UK and Relevant Country Standard rates: 
13023.4% + Fixed Fee
1303
1304 
1305
1306A2.2.2 Merchant rate (For Accounts with Merchant rate status only. Subject to eligibility, application and approval by PayPal. PayPal may evaluate applications on a case-by-case basis, including, without limitation on the following criteria: qualifying monthly sales volume, size of average shopping cart and an account in good standing. See A2.2.2.3 for more details):
1307
1308 
1309
1310A2.2.2.1 Merchant rates if you are a User registered in the UK or Gibraltar:
1311
1312 
1313
1314Tier
1315
1316Aggregate monetary amount of Commercial Transaction payments received in the previous calendar month
1317
1318Fee per payment
1319
13201
1321
1322£0.00 GBP - £1,500.00 GBP
1323
13243.4% + Fixed Fee
1325
13262
1327
1328£1,500.01 GBP - £6,000.00 GBP
1329
13302.9% + Fixed Fee
1331
13323
1333
1334£6,000.01 GBP - £15,000.00 GBP
1335
13362.4% + Fixed Fee
1337
13384
1339
1340£15,000.01 GBP - £55,000.00 GBP
1341
13421.9% + Fixed Fee
1343
13445
1345
1346above £55,000.00 GBP*
1347
13481.4% + Fixed Fee
1349
1350
1351A2.2.2.2 Merchant rates if you are a User registered in a Relevant Country other than the UK and Gibraltar:
1352
1353 
1354
1355Tier
1356
1357Aggregate monetary amount of Commercial Transaction payments received in the previous calendar month by a User resident in
1358
1359Fee per payment
1360
1361Czech Republic
1362
1363Hungary
1364
1365Liechtenstein
1366
1367Any other Relevant Country (except UK and Gibraltar)
1368
13691
1370
13710.00 CZK – 70,000.00 CZK
1372
13730.00 HUF– 700,000.00 HUF
1374
13750.00 CHF– 4,000.00 CHF
1376
1377€ 0.00 EUR – € 2,500.00 EUR
1378
13793.4% + Fixed Fee
1380
13812
1382
138370,000.01 CZK - 280,000.00 CZK
1384
1385700,000.01 HUF – 2,500,000.00 HUF
1386
13874,000.01 CHF – 16,000.00 CHF
1388
1389€ 2,500.01 EUR - € 10,000.00 EUR
1390
13912.9% + Fixed Fee
1392
13933
1394
1395280,000.01 CZK – 1,500,000.00 CZK
1396
13972,500,000.01 HUF – 12,500,000.00 HUF
1398
139916,000.01 CHF – 80,000.00 CHF
1400
1401€10,000.01 EUR - € 50,000.00 EUR
1402
14032.7% + Fixed Fee
1404
14054
1406
14071,500,000.01 CZK – 3,000,000.00 CZK
1408
140912,500,000.01 HUF – 25,000,000.00 HUF
1410
141180,000.01 CHF – 160,000.00 CHF
1412
1413€ 50,000.01 EUR - € 100,000.00 EUR
1414
14152.4% + Fixed Fee
1416
14175
1418
1419above 3,000,000.00 CZK
1420
1421above 25,000,000.00 HUF
1422
1423above 160,000.00 CHF
1424
1425above € 100,000.00 EUR
1426
14271.9% + Fixed Fee
1428
1429 
1430
1431A2.2.2.3 Merchant Rate eligibility
1432
1433To be eligible to apply for (and retain) Merchant rate status the Account must:
1434
1435at all times be in good standing and not under investigation; and
1436have received more than the Tier 1 ceiling amount (jn the currency associated with the User’s country of residence as outlined in the tables above) in Commercial Transaction payments in the previous calendar month.
1437PayPal may downgrade an Account to the Standard rate at any time if the above conditions are not met or there are unresolved chargebacks against the Account. See also section 5.4.
1438
1439 
1440
1441If PayPal downgrades your Account you will need to apply to PayPal again for your Account to get Merchant rate status.
1442
1443You may apply to receive the Merchant rate for your Account using the dedicated online application form when logged into your PayPal account. If your application is rejected, please note that you may only submit an application once every thirty days.
1444
1445 
1446
1447Merchant rates do not apply to Commercial Transaction payments received through the Website Payments Pro suite of payment functionality, Virtual Terminal and PayPal Here.
1448
1449A2.3 Receiving Cross Border payments (Selling)
1450
1451The Fee for Receiving Domestic Commercial Transaction payments applies plus an additional percentage-based Cross Border Fee as set out in the table below (depending on the sender’s country).
1452
1453Sender’s country
1454
1455Cross Border Fee
1456
1457Northern Europe
1458
14590.4%
1460
1461Europe I
1462
14630.5%
1464
1465US / Canada
1466
14671.0%
1468
1469Europe II
1470
14711.3%
1472
1473Rest of World
1474
14752.0%
1476
1477Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA will be treated as Domestic Commercial Transaction payments for the purpose of applying Fees.
1478
1479 
1480
1481A3. Other Fees
1482
1483Activity or Event
1484
1485Fee
1486
1487A3.1 Currency Conversion
1488
1489A3.1.1 For currency conversions of amounts in your PayPal account that do not form part of a specific transaction into or out of your account (e.g. converting your balance to another currency) and for transactions involving a currency conversion for which the seller has agreed to bear the conversion fee:
1490
1491 
1492
14932.5% above the base exchange rate (to form the transaction exchange rate).
1494
1495A3.1.2 For all other transactions involving a currency conversion:
1496
1497A3.1.2.1If you are a User registered in a Relevant Country other than the UK and Ireland: 
1498
14994.0% above the base exchange rate (to form the transaction exchange rate).
1500
1501A3.1.2.2 If you are a User registered in the UK or Ireland:
1502
1503 
1504
1505Between 3.0% and 4.0% above the base exchange rate (to form the transaction exchange rate) depending on the currency into which the relevant amount is converted (please refer to the table below):
1506
1507Currency and Code
1508
1509Currency Conversion Fee for UK Users	
1510Currency Conversion Fee for Irish Users 
1511
1512Australian Dollar (AUD):
1513
15144.0%
1515
1516Brazilian Real (BRL):
1517
15184.0%
1519
1520Canadian Dollar (CAD):
1521
15223.5%	
15233.0%
1524
1525Czech Koruna (CZK):
1526
15273.5%
1528
1529Danish Krone (DKK):
1530
15313.5%
1532
1533Euro (EUR):
1534
15353.5%
1536
1537Hong Kong Dollar (HKD):
1538
15394.0%
1540
1541Hungarian Forint (HUF):
1542
15433.5%
1544
1545Israeli Shekel (ILS):
1546
15474.0%
1548
1549Japanese Yen (JPY):
1550
15514.0%
1552
1553Malaysian Ringgit (MYR):
1554
15554.0%
1556
1557Mexican Peso (MXN):
1558
15594.0%
1560
1561New Zealand Dollar (NZD):
1562
15634.0%
1564
1565Norwegian Krone (NOK):
1566
15673.5%
1568
1569Philippine Peso (PHP):
1570
15714.0%
1572
1573Polish Zloty (PLN):
1574
15753.5%
1576
1577Russian Ruble (RUB):
1578
15793.5%
1580
1581Singapore Dollar (SGD):
1582
15834.0%
1584
1585Swedish Krona (SEK):
1586
15873.5%
1588
1589Swiss Franc (CHF):
1590
15913.5%
1592
1593Taiwan New Dollar (TWD):
1594
15954.0%
1596
1597Thai Baht (THB):
1598
15994.0%
1600
1601U.K. Pounds Sterling (GBP):
1602
16033.5%
1604
1605U.S. Dollar (USD):
1606
16073.5%	
16083.0%
1609
1610A3.2 Withdrawing your Balance
1611
1612A3.2.1 UK Users:
1613
1614Free
1615
1616A3.2.2 Other Relevant Country Users
1617
1618A3.2.2.1 Withdrawal to a bank account (where available):
1619
1620Free
1621
1622A3.2.2.2 Withdrawal to a card (where available): 
1623Gibraltar Users: 1.50 GIP
1624Liechtenstein Users: 3.50 CHF
1625Rest of EU and San Marino Users: 2 EUR
1626
1627Withdrawal to a bank account or a card may not be possible in all countries.
1628
1629A3.3 Chargebacks 
1630 
1631
1632To cover the cost of processing Chargebacks, PayPal assesses a settlement fee to sellers for credit and debit card payment chargebacks. (A chargeback may occur when a buyer rejects or reverses a charge on his or her card through the card issuer).
1633
1634This Fee does not apply if the transaction is covered by PayPal’s Seller Protection Programme.
1635
1636 
1637
1638The Chargeback Fee is as follows and is based on the currency received as follows:
1639
1640Australian Dollar:
1641
164222.00 AUD
1643
1644Brazilian Real:
1645
164635.00 BRL
1647
1648Canadian Dollar:
1649
165020.00 CAD
1651
1652Czech Koruna:
1653
1654400.00 CZK
1655
1656Danish Krone:
1657
1658120.00 DKK
1659
1660Euro:
1661
166216 EUR
1663
1664Hong Kong Dollar:
1665
1666155.00 HKD
1667
1668Hungarian Forint:
1669
16704325 HUF
1671
1672Israeli Shekel:
1673
167475.00 ILS
1675
1676Japanese Yen:
1677
16781,875 JPY
1679
1680Malaysian Ringgit:
1681
168265.00 MYR
1683
1684Mexican Peso:
1685
1686250.00 MXN
1687
1688New Zealand Dollar:
1689
169028.00 NZD
1691
1692Norwegian Krone:
1693
1694125.00 NOK
1695
1696Philippine Peso:
1697
1698900.00 PHP
1699
1700Polish Zloty:
1701
170265.00 PLN
1703
1704Russian Ruble:
1705
1706640.00 RUB
1707
1708Singapore Dollar:
1709
171028.00 SGD
1711
1712Swedish Krona:
1713
1714150.00 SEK
1715
1716Swiss Franc:
1717
171822.00 CHF
1719
1720Taiwan New Dollar:
1721
1722625.00 TWD
1723
1724Thai Baht:
1725
1726650.00 THB
1727
1728U.K. Pounds Sterling:
1729
173014.00 GBP
1731
1732U.S. Dollar:
1733
173420.00 USD
1735
1736A3.4 Commercial Transaction Refunds
1737
1738A3.4.1 Full refunds
1739
1740If you fully refund a Commercial Transaction payment, we will retain the Fixed Fee portion of the Commercial Transaction Fee.
1741
1742Your buyer’s Account will be credited with the full Commercial Transaction payment amount.
1743
1744We will debit from your Account the amount initially credited to your Account in connection with the Commercial Transaction payment and the Fixed Fee portion of the Commercial Transaction Fee.
1745
1746 
1747
1748A3.4.2 Partial Refunds
1749
1750 
1751
1752If you issue a partial refund of a Commercial Transaction payment, we will retain a pro-rated share of the Fixed Fee portion of the Commercial Transaction fee.
1753
1754 
1755
1756Your buyer’s account will be credited with the amount you specify to be refunded to your buyer.
1757
1758 
1759
1760We will debit from your account the pro-rated share of the amount initially credited to your account in connection with the Commercial Transaction payment and the pro-rated share of the fixed fee portion of the Commercial Transaction fee.
1761
1762A3.5 Sending Payments through PayPal Mass Payments
1763
1764A3.5.1 Fee
1765
1766 
1767
17682% of total payment amount
1769
1770A3.5.2 Domestic PayPal Mass Payment transaction Fee cap
1771
1772 
1773
1774A maximum fee cap per payment applies as follows for Domestic Transactions, (based on payment currency):
1775
1776Australian Dollar:
1777
177816.00 AUD
1779
1780Brazilian Real:
1781
178224.00 BRL
1783
1784Canadian Dollar:
1785
178614.00 CAD
1787
1788Czech Koruna:
1789
1790280.00 CZK
1791
1792Danish Krone:
1793
179484.00 DKK
1795
1796Euro:
1797
179812.00 EUR
1799
1800Hong Kong Dollar:
1801
1802110.00 HKD
1803
1804Hungarian Forint:
1805
18063080.00 HUF
1807
1808Israeli Shekel:
1809
181050.00 ILS
1811
1812Japanese Yen:
1813
18141200.00 JPY
1815
1816Malaysian Ringgit:
1817
181850.00 MYR
1819
1820Mexican Peso:
1821
1822170.00 MXN
1823
1824New Zealand Dollar:
1825
182620.00 NZD
1827
1828Norwegian Krone:
1829
183090.00 NOK
1831
1832Philippine Peso:
1833
1834640.00 PHP
1835
1836Polish Zloty:
1837
183846.00 PLN
1839
1840Russian Ruble:
1841
1842480.00 RUB
1843
1844Singapore Dollar:
1845
184620.00 SGD
1847
1848Swedish Krona:
1849
1850100.00 SEK
1851
1852Swiss Franc:
1853
185416.00 CHF
1855
1856Taiwan New Dollar:
1857
1858440.00 TWD
1859
1860Thai Baht:
1861
1862460.00 THB
1863
1864U.K. Pounds Sterling:
1865
186610.00 GBP
1867
1868U.S. Dollar:
1869
187014.00 USD
1871
1872
1873
1874A3.5.3 Fee cap for other PayPal Mass Payment transactions
1875
1876 
1877
1878A maximum fee cap per individual payment applies as follows for all other transactions (based on payment currency):
1879
1880Australian Dollar:
1881
1882100.00 AUD
1883
1884Brazilian Real:
1885
1886150.00 BRL
1887
1888Canadian Dollar:
1889
189090.00 CAD
1891
1892Czech Koruna:
1893
18941700.00 CZK
1895
1896Danish Krone:
1897
1898500.00 DKK
1899
1900Euro:
1901
190270.00 EUR
1903
1904Hong Kong Dollar:
1905
1906660.00 HKD
1907
1908Hungarian Forint:
1909
191018500.00 HUF
1911
1912Israeli Shekel:
1913
1914320.00 ILS
1915
1916Japanese Yen:
1917
19188000.00 JPY
1919
1920Malaysian Ringgit:
1921
1922300.00 MYR
1923
1924Mexican Peso:
1925
19261080.00 MXN
1927
1928New Zealand Dollar:
1929
1930120.00 NZD
1931
1932Norwegian Krone:
1933
1934540.00 NOK
1935
1936Philippine Peso:
1937
19383800.00 PHP
1939
1940Polish Zloty:
1941
1942280.00 PLN
1943
1944Russian Ruble:
1945
19462800.00 RUB
1947
1948Singapore Dollar:
1949
1950120.00 SGD
1951
1952Swedish Krona:
1953
1954640.00 SEK
1955
1956Swiss Franc:
1957
1958100.00 CHF
1959
1960Taiwan New Dollar:
1961
19622700.00 TWD
1963
1964Thai Baht:
1965
19662800.00 THB
1967
1968U.K. Pounds Sterling:
1969
197060.00 GBP
1971
1972U.S. Dollar:
1973
197490.00 USD
1975
1976
1977
1978Note: For cross border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA the Domestic Transaction Fee will apply.
1979
1980A3.6 Credit Card and Debit Card Link and Confirmation (verifying credit or debit card details).
1981
1982Some Users, in order to increase their sending limit or as PayPal may determine, may be charged a Credit Card and Debit Card Link and Confirmation Fee.
1983
1984 
1985
1986Depending on currency
1987
1988Australian Dollar:
1989
19902.00 AUD
1991
1992Brazilian Real:
1993
19944.00 BRL
1995
1996Canadian Dollar:
1997
19982.45 CAD
1999
2000Czech Koruna:
2001
200250.00 CZK
2003
2004Danish Krone:
2005
200612.50 DKK
2007
2008Euro:
2009
20101.50 EUR
2011
2012Hong Kong Dollar:
2013
201415.00 HKD
2015
2016Hungarian Forint:
2017
2018400 HUF
2019
2020Israeli Shekel:
2021
20228.00 ILS
2023
2024Japanese Yen:
2025
2026200.00 JPY
2027
2028Mexican Peso:
2029
203020.00 MXN
2031
2032New Zealand Dollar:
2033
20343.00 NZD
2035
2036Norwegian Krone:
2037
203815.00 NOK
2039
2040Philippine Peso:
2041
2042100.00 PHP
2043
2044Polish Zloty:
2045
20466.50 PLN
2047
2048Russian Ruble:
2049
205060 RUB
2051
2052Singapore Dollar:
2053
20543.00 SGD
2055
2056Swedish Krone:
2057
205815.00 SEK
2059
2060Swiss Franc:
2061
20623.00 CHF
2063
2064Taiwan New Dollar:
2065
206670.00 TWD
2067
2068Thai Baht:
2069
207070.00 THB
2071
2072U.K. Pounds Sterling:
2073
20741.00 GBP
2075
2076U.S. Dollar:
2077
20781.95 USD
2079
2080
2081This amount will be refunded when you successfully complete the credit card or debit card verification process.
2082
2083A3.7 Records Request
2084
208510.00 GBP or 12.00 EUR (per item)
2086
2087This Fee will apply for requests of information relating to why we had reasonable justification to refuse your Payment Order. We will not charge you for records requested in connection with your good-faith assertion of an error in your Account.
2088
2089A3.8 Bank Return on Withdrawal
2090 
2091
2092This following Fee is charged when a withdrawal is attempted by a User and it fails because incorrect bank account information or delivery information is provided.
2093
2094 
2095
2096UK users: 0.50 GBP
2097Czech Republic users: 200 CZK
2098Hungarian users: 1,500 HUF
2099Users registered in the Eurozone: 3 EUR.
2100
2101A3.9 Charity Pricing
2102
2103Subject to application and pre-approval by PayPal
2104
2105A3.9.1 Domestic rate for Charities
2106
2107 
2108
2109A3.9.1.1 UK Charity Domestic rate
2110
2111 
2112
21131.4% + Charity Fixed Fee per each payment transaction.
2114
2115A3.9.1.2 Relevant Country Domestic rate for Charities:
2116
21171.9% + Charity Fixed Fee per each payment transaction.
2118
2119A3.9.1.3 Charity Fixed Fee
2120
2121Depending on the payment currency received:
2122
2123 
2124
2125Australian Dollar:
2126
21270.30 AUD
2128
2129Brazilian Real:
2130
21310.60 BRL
2132
2133Canadian Dollar:
2134
21350.30 CAD
2136
2137Czech Koruna:
2138
213910.00 CZK
2140
2141Danish Krone:
2142
21432.60 DKK
2144
2145Euro:
2146
21470.35 EUR
2148
2149Hong Kong Dollar:
2150
21512.35 HKD
2152
2153Hungarian Forint:
2154
215590 HUF
2156
2157Israeli Shekel:
2158
21591.20 ILS
2160
2161Japanese Yen:
2162
216340 JPY
2164
2165Malaysian Ringgit:
2166
21672 MYR
2168
2169Mexican Peso:
2170
21714.00 MXN
2172
2173New Zealand Dollar:
2174
21750.45 NZD
2176
2177Norwegian Krone:
2178
21792.80 NOK
2180
2181Philippine Peso:
2182
218315.00 PHP
2184
2185Polish Zloty:
2186
21871.35 PLN
2188
2189Russian Ruble:
2190
219110.00 RUB
2192
2193Singapore Dollar:
2194
21950.50 SGD
2196
2197Swedish Krona:
2198
21993.25 SEK
2200
2201Swiss Franc:
2202
22030.55 CHF
2204
2205Taiwan New Dollar:
2206
220710.00 TWD
2208
2209Thai Baht:
2210
221111.00 THB
2212
2213U.K. Pounds Sterling:
2214
22150.20 GBP
2216
2217U.S. Dollar:
2218
22190.30 USD
2220
2221
2222A3.9.2 Cross Border rate for Charities
2223
2224 
2225
2226The Cross Border Fee for Charity Pricing is the same as the Fee for Receiving Cross Border Commercial Transaction payments.
2227
2228Note: For Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA the Domestic rate will apply.
2229
2230A3.10 Receiving eCheques
2231
2232A maximum fee cap per eCheque payment (based on the currency received) applies as follows:
2233
2234 
2235
2236For eCheques received by Users with their registered address in Ireland
2237
2238For eCheques received by all other Users
2239
2240Australian Dollar:
2241
22427.50 AUD
2243
224450.00 AUD
2245
2246Brazilian Real:
2247
224810.00 BRL
2249
225075.00 BRL
2251
2252Canadian Dollar:
2253
22547.50 CAD
2255
225645.00 CAD
2257
2258Czech Koruna:
2259
2260120.00 CZK
2261
2262850.00 CZK
2263
2264Danish Krone:
2265
226630.00 DKK
2267
2268250.00 DKK
2269
2270Euro:
2271
22725.00 EUR
2273
227435.00 EUR
2275
2276Hong Kong Dollar:
2277
227838.00 HKD
2279
2280330.00 HKD
2281
2282Hungarian Forint:
2283
22841000 HUF
2285
22869250 HUF
2287
2288Israeli Shekel:
2289
229020.00 ILS
2291
2292160.00 ILS
2293
2294Japanese Yen:
2295
2296650 JPY
2297
22984000 JPY
2299
2300Malaysian Ringgit
2301
230220.00 MYR
2303
2304150.00 MYR
2305
2306Mexican Peso:
2307
230855.00 MXN
2309
2310540.00 MXN
2311
2312New Zealand Dollar:
2313
23147.50 NZD
2315
231660.00 NZD
2317
2318Norwegian Krone:
2319
232033.00 NOK
2321
2322270.00 NOK
2323
2324Philippine Peso:
2325
2326250.00 PHP
2327
23281900.00 PHP
2329
2330Polish Zloty:
2331
233216.00 PLN
2333
2334140.00 PLN
2335
2336Russian Ruble:
2337
2338200.00 RUB
2339
23401400.00 RUB
2341
2342Singapore Dollar:
2343
23448.00 SGD
2345
234660.00 SGD
2347
2348Swedish Krona:
2349
235040.00 SEK
2351
2352320.00 SEK
2353
2354Swiss Franc:
2355
23566.50 CHF
2357
235850.00 CHF
2359
2360Taiwan New Dollar:
2361
2362165.00 TWD
2363
23641350.00 TWD
2365
2366Thai Baht:
2367
2368180.00 THB
2369
23701400.00 THB
2371
2372U.K. Pounds Sterling:
2373
23743.50 GBP
2375
237630.00 GBP
2377
2378U.S. Dollar:
2379
23805.00 USD
2381
238245.00 USD
2383
2384A3.11 Receiving Micropayments
2385
2386 
2387
2388Based on application and pre-approval by PayPal, you may upgrade an existing account to receive the Micropayment rate – please contact us if you want to do that. This rate will apply to all Commercial Transaction payments received in your PayPal account.
2389
2390 
2391
2392A3.11.1 Domestic Micropayments Fee
2393
2394 
2395
23965% + Micropayments Fixed Fee
2397
2398 
2399
2400A3.11.2 Cross Border Micropayments Fee
2401
2402 
2403
24046% + Micropayments Fixed Fee
2405
2406 
2407
2408A3.11.3 Micropayments Fixed Fee
2409
2410 
2411
2412As specified by the currency received.
2413
2414 
2415
2416Australian Dollar:
2417
24180.05 AUD
2419
2420Brazilian Real:
2421
24220.10 BRL
2423
2424Canadian Dollar:
2425
24260.05 CAD
2427
2428Czech Koruna:
2429
24301.67 CZK
2431
2432Danish Krone:
2433
24340.43 DKK
2435
2436Euro:
2437
24380.05 EUR
2439
2440Hong Kong Dollar:
2441
24420.39 HKD
2443
2444Hungarian Forint:
2445
244615 HUF
2447
2448Israeli Shekel:
2449
24500.20 ILS
2451
2452Japanese Yen:
2453
24547 JPY
2455
2456Malaysian Ringgit
2457
24580.20 MYR
2459
2460Mexican Peso:
2461
24620.55 MXN
2463
2464New Zealand Dollar:
2465
24660.08 NZD
2467
2468Norwegian Krone:
2469
24700.47 NOK
2471
2472Philippine Peso:
2473
24742.50 PHP
2475
2476Polish Zloty:
2477
24780.23 PLN
2479
2480Russian Ruble:
2481
24822.00 RUB
2483
2484Singapore Dollar:
2485
24860.08 SGD
2487
2488Swedish Krona:
2489
24900.54 SEK
2491
2492Swiss Franc:
2493
24940.09 CHF
2495
2496Taiwan New Dollar:
2497
24982 TWD
2499
2500Thai Baht:
2501
25021.80 THB
2503
2504U.K. Pounds Sterling:
2505
25060.05 GBP
2507
2508U.S. Dollar:
2509
25100.05 USD
2511
2512
2513Note:For Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA the Domestic rate will apply.
2514
2515A3.12 PayPal Business Payments (sending or receiving)
2516
2517 
2518
2519A “PayPal Business Payment” is a payment between UK Users (i) made through a third party’s product or service and funded exclusively using either (or both) Balance or eCheque and (ii) for which the PayPal Business Payment Fee applies.
2520
2521 
2522
2523PayPal may apply the following Fee to each PayPal Business Payment:
2524
2525 
2526
25272.00 GBP per transaction in GBP
2528
25290.50 USD per transaction in USD
2530
2531 
2532
2533The PayPal Business Payment fee is paid by the recipient, unless it is disclosed to the sender before payment is sent that the sender must pay this fee.
2534
2535 
2536
2537A4. Glossary
2538
2539A4.1 A "Commercial Transaction" payment involves buying and selling goods and services, making any other commercial transaction or receiving payments when you “request money” using PayPal.
2540
2541A4.2 A "Personal Transaction" payment involves sending money (initiated from the “Friends and Family” tab of the “Send Money” flow) to, and receiving money into your PayPal Account from, friends and family without making an underlying commercial transaction (that is, the payment is not for the purchase of goods or services or for making any other commercial transaction).
2542
2543If you are making a commercial transaction (for instance selling goods or services), you may not ask the buyer to send you a Personal Transaction payment for the purchase. If you do so, PayPal may remove your ability to accept any or all payments for Personal Transactions. Please also note that:
2544
2545A4.2.1 you cannot send money for a Personal Transaction from some countries (including China and (in some cases) Germany);
2546
2547A4.2.2 Brazilian and Indian registered Accounts may neither send nor receive Personal Transaction payments. This means that you cannot send Personal Transaction payments to Brazilian or Indian registered Accounts; and
2548
2549A4.2.3 the sender pays the Fee.
2550
2551A4.3 A "Domestic" payment occurs when both the sender and receiver are registered with PayPal as resident in the same country.
2552
2553A4.4 A “Cross Border” payment occurs when the sender and receiver are registered with PayPal as resident in different countries. Certain countries are grouped together as follows for ease of reference when calculating Cross Border payment Fees:
2554
2555Group Name
2556
2557Countries
2558
2559Northern Europe
2560
2561Aland Islands, Denmark, Faroe Islands, Finland, Greenland, Iceland, Norway, Sweden.
2562
2563Europe I
2564
2565Austria, Belgium, Channel Islands, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany , Gibraltar, Greece, Ireland, Isle of Man, Italy , Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom, Vatican City State.
2566
2567Europe II
2568
2569Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russian Federation, Serbia, Switzerland, Ukraine.
2570
2571 
2572
2573A4.5 Percentage-based fees (such as 3.4%) refer to an amount equal to that percentage of the payment amount, which (unless otherwise stated) is charged in the currency in which the payment is received.
2574
2575A4.6 Fixed Fees for Commercial Transaction payments and Personal Transaction payments (unless otherwise stated) are based on the currency in which the payment is received, as follows:
2576
2577Currency:
2578
2579Fee:
2580
2581Currency:
2582
2583Fee:
2584
2585Australian Dollar:
2586
25870.30 AUD
2588
2589New Zealand Dollar:
2590
25910.45 NZD
2592
2593Brazilian Real:
2594
25950.60 BRL
2596
2597Norwegian Krone:
2598
25992.80 NOK
2600
2601Canadian Dollar:
2602
26030.30 CAD
2604
2605Philippine Peso:
2606
260715.00 PHP
2608
2609Czech Koruna:
2610
261110.00 CZK
2612
2613Polish Zloty:
2614
26151.35 PLN
2616
2617Danish Kroner:
2618
26192.60 DKK
2620
2621Russian Ruble:
2622
262310.00 RUB
2624
2625Euro:
2626
26270.35 EUR
2628
2629Singapore Dollar:
2630
26310.50 SGD
2632
2633Hong Kong Dollar:
2634
26352.35 HKD
2636
2637Swedish Krona:
2638
26393.25 SEK
2640
2641Hungarian Forint:
2642
264390.00 HUF
2644
2645Swiss Franc:
2646
26470.55 CHF
2648
2649Israeli New Shekel:
2650
26511.20 ILS
2652
2653New Taiwan Dollar:
2654
265510.00 TWD
2656
2657Japanese Yen:
2658
265940.00 JPY
2660
2661Thai Baht:
2662
266311.00 THB
2664
2665Malaysian Ringgit:
2666
26672.00 MYR
2668
2669U.K. Pounds Sterling:
2670
26710.20 GBP
2672
2673Mexican Peso:
2674
26754.00 MXN
2676
2677U.S. Dollar:
2678
26790.30 USD
2680
2681 
2682
2683A4.7 Fees charged in different currencies for sending payments: Some Fees are payable by you to PayPal in currencies that are different than the currency of the Balance(s) from which you send the payment amount. In such a case, we will perform a currency conversion (pursuant to section 8.2, for which we will charge you a Currency Conversion Fee as set out in section A3.1 of Schedule 1) from the currency of each relevant initial Balance into the currency in which the Fee is payable and we will collect your Fees from the converted Balance.
2684
2685A4.8 Subject to availability of the given functionality in those territories and where not otherwise stated in this Schedule 1, for the purpose of this Schedule 1 only, any references to the UK in this Schedule 1 include Jersey, Guernsey, Isle of Man and Gibraltar.
2686
2687Back to top