How PayPal works

It’s a smart, secure, flexible way to pay

Speed through checkout online. Send money across the table or across the world.1 And manage it all with one account.

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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

Add money to your PayPal balance so you’re ready to shop and send.

Add a Bank

Make sure you’ve got the app

Pay, send, receive, and shop smarter on the go. Stay in control of your money with tracking, alerts, security features, and more.

Get the App

Send and receive money securely

  • Join the millions who trust PayPal to send money to friends around the world.1

  • Send money to friends & family abroad in over 110 countries - or get more delivery options with Xoom. Fees and limitations apply.2

  • Shop, donate, transfer to your bank, and more.

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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 4.3

Paying with PayPalPay in 4

Pay it safe with built-in security

Your transactions are encrypted. Plus, we've got your back on eligible purchases with PayPal Purchase Protection.4

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 or sign up for free online.

1
Sending and receiving funds requires an account with PayPal.
2
Transactions may be delayed or cancelled for compliance purposes and in accordance with the Xoom User Agreement. Service availability and fees vary by country, features selected and other factors. Individual and aggregate transaction limits may also apply. In addition to transaction fees, Xoom makes money when it changes your send currency into a different currency. Funds will be delivered by the date listed on your transaction receipt and frequently within minutes. Funds delivery and your recipient's ability to receive funds may take longer than minutes due to factors such as good-funds availability, compliance and transaction reviews, systems availability, partner hours/time zones, and local holidays.
3
Pay in 4 is available to approved consumers for purchases of $30 to $1,500 (CAD) for certain transaction types. Availability depends on the merchant. You must be age of majority in the province or territory where you live to apply. Any transactions in other currencies will be converted to Canadian dollars subject to applicable currency conversion charges. You may repay the amount you owe in full at any time, without any fees or charges.
4
PayPal Purchase Protection is available on eligible transactions. See terms and limitations.