How PayPal works

Your PayPal journey starts here

Join millions of people who trust PayPal to send, spend, 
and donate money quickly and securely.

Sign UpGet the App
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PayPal helps

simplify your life

Create your account

Start with your email and phone number. Then create a password. We’ll walk you through it.

Sign Up

Link your cards and bank account

Securely store all your preferred ways to pay—from debit and credit cards to your bank accounts.

Add Cards and Bank Accounts

Make sure you’ve got the app

Pay, send, and get paid fast. Pay now 
or pay later—all from one account.1

Get the App

Check out with more choices

Load your PayPal app with your cards and banks, and skip entering your info every time you pay.

Need some extra time? Choose Pay in 4.2

Paying with PayPalPay in 4

Pay it safe with built-in security

Count on peace of mind when you make payments. Your transactions are encrypted.

Learn About PayPal Security

Frequently asked questions

All

in the

PayPal

app

Easily and securely send, receive and manage your payments—all in one place.

Download the app on your phone.

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1
An account with PayPal is required to send and receive money. For further information on fees, please see our Combined Financial Services Guide and Product Disclosure Statement here.
2
Pay in 4 is provided by PayPal Credit Pty Limited (ACN 600 629 258) to Australian residents and is subject to eligibility criteria and credit application. Available on eligible transactions between AU$30 and $2,000. Use may impact a customer's credit score. Please see terms and conditions for full details and for more information about how PayPal handles your personal information please refer to our Privacy Statement. PayPal may disclose your personal information to a credit reporting body. To find out more about our credit reporting practices please see our statement of notifiable matters. To read the Target Market Determination for this product, see the Legal Hub.