How to Use a Debit Card for PayPal

PayPal is a useful instrument for making payments. primitively designed for on-line payments and purchases, PayPal besides allows you to shop at brick-and-mortar retailers using your PayPal account rather of traditional payment methods. You can fund payments from several sources, including your debit card .

If you prefer shopping with a debit card, it might even be wiser to run payments through PayPal. Doing so protects your card information by creating a layer between your checking account and the merchants you shop with on-line, rather of swiping your circuit board or punch in number, which creates security risks .

In a world of hackers and constant data breaches, it ’ randomness decent to insulate your checking account from trouble. That protection gives you more confidence when buy from on-line vendors that you don ’ triiodothyronine know anything about, and even household-name retailers get hacked sporadically .

This article is about using a debit poster to fund purchases you make through PayPal. If you want to get a fresh debit card issued by PayPal ( which might let you spend from your PayPal balance ), you will need to learn about PayPal debit and credit card options.

debit Cards Allowed, not Required

If you ’ re fair planning to use your debit circuit board as your “ fund method acting ” at PayPal, you might be adding unnecessary steps. PayPal wants to link to your bank bill anyway—and that ’ s the lapp account that your debit card pulls from. As a leave, you don ’ t need to add your debit card. In fact, some PayPal transactions are cheaper if you use your bank account for fund ( as opposed to using your debit card ) .

How to Use Your Debit Card

To use your debit batting order on PayPal, you ’ ll motivation to add it to your visibility. To do indeed, log into your account and go to your “ wallet. ” Next, find the section to “ link a debit or citation card. ”  You can besides add cards while a payment is in progress by selecting “ add a debit or credit rating poster ” while you choose how to pay.

Select the type of card you ’ re using and provide the circuit board data. Entering debit card data is the like as entering credit batting order information—the format for card numbers and exhalation dates is the same .

Types of Cards

You ’ ll get the most functionality if you use a veridical debit tease issued by a bank or recognition union. Those cards feature a charge address that matches your home or mailing address, and they have a three- or four-digit security code on the back .

Prepaid Cards

For erstwhile purchases, some Visa, MasterCard, Discover, or American Express prepaid giving cards will work. other postpaid debit cards that you use as a alternate for checking accounts frequently do not work .

Limits on Linking

You can only link a debit card to one PayPal account. If you and your partner use cards with the same card count, which is common for recognition cards, but less park for debit cards, only one of you can use that batting order with your PayPal account .

Funding reference

When you pay for goods or services, verify that you ’ re using the fund method that you want. To do so, look carefully at “ how to pay ” or the final review screen. You may have respective options, including paying with your debit card, paying directly from a bank account, using a credit poster, or spending from your PayPal balance.

Moving money

Since your debit card pulls funds from your checking report, you ’ ll motivation to have money available in your account to successfully make a buy. If you ’ re gloomy on funds, remember that any purchase will instantaneously reduce your checking score proportion, increasing the odds that you ’ ll bounce checks or be ineffective to make early payments from that score .

Transfers to Your Bank

You can move your PayPal poise to your bank score for free, or to your debit tease for a fee. Your debit card draws money from your checking account, sol funds in that explanation are available for spending with your debit card. To move money to your bank account or debit poster, look for respective opportunities to “ Transfer Money ” throughout PayPal websites and apps. Select the option to transfer funds to your bank report or debit menu .


If you fund a requital with your debit batting order and get a refund ( because you return an detail, for example ), the refund should be applied to your debit card. If that doesn ’ thyroxine happen, the refund will go into your PayPal balance. From there, you can either spend that money elsewhere using PayPal or transfer the funds to your bank account manually .

Fees Are optional

If you like debit cards because they ’ re cheap, make certain you don ’ triiodothyronine pay unnecessary fees to PayPal. For purchases from businesses—including person sellers on eBay—PayPal doesn ’ t charge fees to the buyer. If you ’ re the customer, it doesn ’ t matter how you pay, but the merchant has to pay fees, and those charges might lead to higher prices .

If you make personal payments ( repaying friends for pizza nox, for case ), PayPal charges you a fee for using your debit or credit card. But funding the requital with your bank account is free. Again, with a debit card, the money comes from your checking account anyhow, so you might vitamin a well fund personal payments directly from your bank account .

Is It Safe to Use a Card ?

PayPal has a few safety and security measures in place for those who use debit cards .

Mistakes and Fraud

Your debit card is linked immediately to your checking report. Any charges to the card pull money out of checking more or less immediately. In cases of fraud or errors in your history, you might be protected, but it could be hard to pay bills until the funds are returned to your account. A credit batting order would be safer to use than a debit calling card —assuming you do n’t rack up debt—because citation cards do not pull funds from checking .

Purchases and privacy

Paying with your debit card through PayPal is safer than just using your debit calling card. Merchants ( a well as hackers, thieves, and employees ) only see your email address—your PayPal username—and some personal information when you use PayPal. If you use a card directly, they would have access to your wag count, security codes, and your mail address. It ‘s intemperate for thieves to use your PayPal explanation fraudulently without your password .

Buyer Protection

credit cards have robust buyer security under union law. Most debit cards offer alike protection. however, PayPal offers buyer protection and early features that might go above and beyond what your debit card offers.

frequently Asked Questions ( FAQs )

Can you use a prepaid debit card for PayPal?

Yes, you can pay for purchases using a Visa, Mastercard, American Express, or Discover gift menu at checkout like you would any debit card. Add them into your virtual wallet using the lapp process as you would your debit calling card.

Why can’t I add my debit card to my PayPal account?

check to make certain that you ‘ve entered the wag number, wag security code, and the charge savoir-faire correctly. If it ‘s still not working, make certain that the circuit board is n’t linked to another account or try calling your wag ship’s company to see if they rejected the mandate PayPal sent. If all else fails, call PayPal.

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Category : Finance

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